Benefits and Features of HDFC Click 2 Protect Plus Plan

This plan has been withdrawn and is now no longer available for purchase. HDFC life click 2 protect plus is a term insurance plan that offers the comprehensive benefits of long term protection at affordable premiums. This plan offers 4 plan options and allows you to increase the coverage amount as per the changes in your life stages while offering tax benefits on the premiums paid and the benefits received. Let us see the key features and benefits of the HDFC Life Click 2 Protect Plus plan.

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Key Features of HDFC Life Click 2 Protect Plus Plan

HDFC Life Click 2 Protect Plus Plan provides financial assistance to you and your family in case of any uncertainty.
This plan provides you with comprehensive coverage at a reasonable cost.
This plan provides you with many cover options including life option, income option, extra life option, and income plus option. You can choose any option as per your requirement.
- Life option provides a death benefit.
- Extra life option provides a death benefit and accidental death benefit.
- In income option, 10% of the death benefit is provided as a lump sum and 90% of the death benefit is provided in the form of income paid on monthly basis over a term of 15 years.
- On the death of the insured, 100% sum assured is paid in income plus option. In addition to this, 0.5% of sum assured is paid in the form of monthly income for a term of 10 years. The income which is paid on monthly basis can increase at a simple interest rate of 10% p.a. as selected by the insured.
HDFC Life Click 2 Protect Plus Plan provides you flexibility for the payment of the premium amount.
Under life option, there is a life stage protection feature available. This feature provides you an opportunity to get your life insurance cover increased on some milestones of your life without providing medicals.
The insurance cover is provided up to the age of 75 years.
You are eligible for various tax benefits according to the prevailing tax laws.
For non-tobacco users, HDFC Life Click 2 Protect Plus Plan has attractive rates of premium.

Note: Know what is term insurance first and then buy a term plan for your loved ones.

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 13/day⁺

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day⁺

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day⁺

Plan Options under HDFC Click 2 Protect Plus

Here is a list of all the plan options available under this plan by HDFC Term Insurance Company:

Life Option: Under this option, the death benefit will be paid to the nominee in a lump sum on the death of the policyholder during the policy tenure.
Extra Life Option: Under this option, the nominee will receive an additional benefit amount on top of the base death benefit in case the policyholder passes away due to an accident.
Income Option: This option provides 10% of the base sum assured as a lump sum in case of the policyholder’s death during the policy term, and the rest 90% is paid as monthly income for the next 15 years.
Income Plus Option: In case of the policyholder’s death during the policy term, 100% of the base sum assured will be paid as a lump sum death benefit. On top of that, 0.5% of the base sum assured will be paid as monthly income for the next 10 years, and the monthly income can be chosen to be levelled or increased at 10% as per your needs.

HDFC Life Click 2 Protect Plus Benefits

Death benefit: The insurance company provides the death benefit to the family or nominees of the policy in case of unfortunate death of the life assured. The death benefit is provided as follows:

In the case of a single premium policy: The sum assured or 125% of the single premium, whichever is highest, is paid.

In case of a policy other than a single premium policy: Sum assured or 10 times the annualised premium or 105% of the total premium amount paid as on the date of death, whichever is highest is paid.

Note: It is suggested to calculate the term plan premium on the term insurance premium calculator online tool by Policybazaar before buying.
Life stage protection: This feature lets you increase your life coverage when you achieve various milestones in your life. You can increase your sum assured after getting married and on the birth of your first or second child.
Maturity benefits: No benefit is provided in HDFC Life Click 2 Protect Plus Plan when the policyholder survives till the tenure of the policy.
Tax Benefits: This term insurance plan offers tax benefits under sections 80C and 10(10D) of the Income Tax Act of 1961.

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Eligibility Conditions for HDFC Life Click 2 Protect Plus

Check out the eligibility conditions that you must know about HDFC Life Click 2 Protect Plus Plan:

Parameters	Minimum	Maximum
Entry Age	18 years	65 years
Maturity Age	23years	75 years
Policy Term	5 years	40 years
Premium Payment Modes	Monthly, quarterly, annually, and semi-annually
Premium Payment Term	Single, limited, and regular pay

How To Buy HDFC Term Insurance Plans Online?

Here is how you can buy HDFC term insurance plans from the comfort of your home:

Step 1: Go to the term insurance page
Step 2: Fill in the required details like name, gender, DOB, and contact information
Step 3: Enter your educational qualifications, annual income, occupation type, and smoking habits
Step 4: Select the most suitable HDFC term insurance plan and proceed to pay

Note: Check out the best term insurance plan in India and choose one that suits your requirements.

Note: You should also check the benefits of term life insurance if you are planning to purchase the term insurance plan.

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˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

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