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A Review Of HDFC Life Insurance

“I recently bought an HDFC term plan and it is the best decision I have ever made. I feel so good knowing that my family is taken care of in case something happens to me. Thank you policybazaar for helping me buy the best term plan.” – Choraghad, Dispur, Assam 

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Choraghad bought a term insurance plan from HDFC Life Insurance and secured his loved ones against unforeseen events of the future. HDFC Life offers various plan benefits that adapt to your changing lifestyle and life stage needs. This ensures the security and well-being of you and your loved ones.

Let’s understand the various features and benefits of HDFC Life Insurance.

Why Should You Consider Buying HDFC Life Insurance?

HDFC Life Insurance is known for its flexible plans that can be personalized to match the preferences and life goals of policyholders.

Below are some reasons why you can consider buying the HDFC Life Insurance:

  • This term insurance plan offers complete financial security for your family.

  • You can choose from three plan options: Life, Life Plus, and Life Goal, based on your specific needs.

  • If you survive until the maturity of the policy, you will receive a refund of all the premiums paid, along with the Return of Premium (ROP) option.

  • In case of accidental death during the policy term (available in the Life Plus option), an additional amount will be paid.

  • If you are diagnosed with terminal illnesses or ailments before the age of 80 (available in the Life and Life Plus options), you can receive an accelerated death benefit.

  • The Life option allows you to select an increasing death benefit of up to 200 percent.

  • The Life Goal option allows you to customize your death benefit according to your needs.

  • If you are diagnosed with a critical illness, the Waiver of Premium (WOP) option exempts you from paying premiums.

  • The WOP Disability option exempts you from paying premiums in case of total and permanent disability.

  • You have the option to add additional coverage for your spouse (available in the Life and Life Plus options).

  • You can choose to receive the death benefit in installments.

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Which Is The Best HDFC Life Insurance Plan ?

The HDFC Life Click 2 Protect Super plan is a complete term insurance plan that offers various benefits to fulfill the various requirements or life goals that you have. It ensures the security of you and your loved ones. This plan has different options to choose from, and it even gives you the opportunity to receive your premiums back if you live beyond the policy term.

What Are The Features Of HDFC Life Click 2 Protect Super Plan?

Below mentioned are the features of the HDFC Life Click 2 Protect Super Plan:

  • Death Benefit in Installments:

    • Nominees receive death benefits in installments, either in full or in parts.

    • Option available at the start of the policy or during the claim process.

    • Can be availed for complete or partial death claim benefits.

    • Installments can be received over a selected time period of 5 to 15 years.

  • Option to Change Premium Frequency:

    Policyholders can change the frequency of premium payment during the premium payment tenure.

  • Cover against 19 Critical Illnesses:

    Policy provides coverage for 19 critical illnesses as mentioned in the policy documents.

  • Option of Renewability at Maturity:

    Policyholders can extend the term of the plan at maturity, up to a maximum of 5 times.

  • Option to Alter Premium Payment Term:

    Policyholders can change outstanding regular premium payment to a limited premium payment term available in the plan.

  • Return of Premium Option:

    Life assured pays extra premium for the base term plan and receives 100% return of the full paid premium as a lump sum on survival till maturity.

  • Waiver of Premium on Critical Illness Option (WOP CI):

    All future premiums waived off if the policyholder is diagnosed with a critical illness.

  • Life Stage Option:

    Allows the extension of life cover without underwriting based on specific life events such as first marriage, first child's birth, and second child's birth.

  • Smart Exit Benefit:

    Policyholder receives an amount equal to the total premium paid under the plan on canceling the policy, subject to certain conditions.

  • Additional Cover for Spouse:

    • Spouse receives a death benefit based on a selected percentage of the policyholder's basic Sum Assured for the remaining policy term.

    • Waiver of future premiums.

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What Are The Life Options Of HDFC Life Click 2 Protect Super Plan?

Below mentioned are the 3 life options of HDFC Life Click 2 Protect Super Plan:

  • Life Option: Coverage for death payout during the plan tenure, can be increased for terminal illness.

  • Life Plus Option: Coverage for death payout, can be increased for terminal illness, extra amount for accidental death.

  • Life Goal Option: Changing life cover paid on death based on policy year.

What is the Eligibility Criteria to Buy HDFC Life Insurance?

The eligibility criteria for buying HDFC Click 2 Protect Super Plan is mentioned below:

Plan Parameters Life Life Plus Life Goal
Entry Age (Minimum) 18 years
Entry Age (Maximum) 84 years 65 years
Maturity Age (Minimum) 18 years 23 years
Maturity Age 85 years
Policy Term (Minimum) Single Pay: 1 month
Regular Pay: 2 years
Limited Pay: 3 years
Single Pay: 5 years
Limited Pay: 7 years
Policy Term (Maximum) 85 years – Entry Age
Sum Assured (Minimum) Rs. 50 Lakhs
Sum Assured (Maximum) Rs. 20 Crores
Premium Payment Frequency Yearly/Half-yearly/Quarterly/Monthly

Wrapping It Up!

Choraghad has taken proactive steps to ensure the financial security of his family. He has chosen HDFC Life Insurance to protect them from potential risks that could lead to financial burdens. Just like it does for other policyholders, HDFC Life Insurance will provide the same level of coverage and protection for Choraghad's family.


  • Does the HDFC Click 2 Protect Super Plan cover critical illnesses?

    Ans: Yes, the HDFC Click 2 Protect Super Plan provides coverage against 19 critical illnesses specified in the policy documents.
  • How can I buy a policy from HDFC Life Insurance?

    Ans: You can easily buy the HDFC Life Insurance from Policybazaar’s website and get extra discounts and assistance.
  • Do HDFC Life Insurance policies provide tax benefits?

    Ans: Yes, HDFC Life Insurance policies offer tax benefits under sections 80C and 10(10D) of the Income Tax Act, providing you with potential tax exemptions.
  • What are the plan options available in HDFC Click 2 Protect Super Plan?

    Ans: The plan options include Life, Life Plus, and Life Goal.
  • What additional benefits are provided under the Life Plus option?

    Ans: The Life Plus option offers increased coverage for terminal illness diagnosis and an extra amount in case of accidental death.
  • Is there an option to receive the premium amount back?

    Ans: Yes, the plan offers the Return of Premium (ROP) option where the premium amount paid is returned on survival till maturity.

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