Critical Illnesses Covered Under HDFC Life Click2Protect Term Plan

A major illness can affect not only your physical health but also your financial stability due to medical expenses, recovery costs, and potential loss of income. The HDFC Life Critical Illness Plus Rider can be added to eligible HDFC Life term insurance plans, including Click 2 Protect, to provide a lump sum benefit on the diagnosis of specified critical illnesses.

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This amount can be used for treatment, household expenses, loan repayments, or any other financial needs.

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HDFC Life CI Rider — Key Highlights

The HDFC Critical Illness Rider is designed to provide additional financial protection against specified serious illnesses. Its key features include:

Feature	Details
Rider Name	HDFC Life Critical Illness Plus Rider
Rider Type	Non-linked, non-participating individual health rider
Benefit Type	Lump sum benefit payable on diagnosis of covered critical illnesses, subject to policy terms
Number of Illnesses Covered	Covers 19 specified critical illnesses
Benefit Payment	A single claim payment is made upon the first diagnosis of a covered illness
Rider Sum Assured	Available as per the limits specified under the rider and base policy
Premium Payment	Additional rider premium payable along with the base policy premium
Rider Availability	Can be attached to eligible HDFC Life policies
Tax Benefit	Tax benefits may be available as per applicable tax laws

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Full List of Critical Illnesses Covered Under HDFC Life Term Plan

The HDFC Life Critical Illness Plus Rider provides coverage against 19 specified critical illnesses. The list of critical illness in HDFC Life includes:

Cancer of specified severity
Myocardial infarction (first heart attack of specified severity)
Open chest CABG
Open heart replacement or repair of heart valves
Surgery of aorta
Stroke resulting in permanent symptoms
Kidney failure requiring regular dialysis
Major organ or bone marrow transplant
Permanent paralysis of limbs
Motor neurone disease with permanent symptoms
Multiple sclerosis with persisting symptoms
Primary pulmonary arterial hypertension
Benign brain tumour
Blindness
Deafness
Loss of speech
Loss of limbs
Major head trauma
Coma of specified severity

This HDFC term insurance critical illness list is subject to the medical definitions, severity criteria, and claim conditions mentioned in the HDFC Life Critical Illness Plus Rider brochure.

HDFC Life CI Rider Tenure Limit [15 Years — Explained]

The HDFC Life Critical Illness Plus Rider is available for a maximum rider term of 15 years. This means the critical illness protection remains active only during the chosen rider tenure, even if the base term insurance policy continues for a longer duration.

For example, if you purchase a 30-year HDFC Life term insurance policy but select a 15-year critical illness rider term, the CI coverage will end after 15 years while the life cover under the base policy can continue until the end of its term.

HDFC CI Rider Premium — Indicative Rates

The premium for the HDFC Critical Illness Rider depends on multiple factors, including your age, rider sum assured, policy term, and underwriting assessment.

Factor	Impact on Rider Premium
Age	Premium generally increases with higher age at entry
Rider Sum Assured	Higher critical illness cover leads to a higher premium
Rider Term	The selected rider duration affects the premium payable
Health Status	Existing health conditions and medical history may impact pricing
Lifestyle Factors	Habits such as smoking can influence the premium

The exact premium for the HDFC Critical Illness Rider is available through the HDFC Life premium illustration at the time of purchase.

Payout Structure — HDFC CI Rider

The HDFC Life Critical Illness Plus Rider provides a lump sum payout upon the first diagnosis of a covered critical illness that meets the rider conditions.

The critical illness benefit is an additional rider benefit and is payable independently as per the rider sum assured selected. Once the claim is paid, the Critical Illness Plus Rider terminates, while the base policy continues subject to its terms and conditions.

Note: Now that you know that How Does HDFC Critical Illness Cover Work, you should also get to know about what is term insurance to buy a term plan for your loved ones.

Exclusions Under HDFC Life CI Rider

The HDFC Life Critical Illness Plus Rider may not pay benefits under certain circumstances, including:

Diagnosis during the waiting period: Critical illnesses diagnosed within the waiting period specified under the rider are not covered.
Failure to meet the survival period requirement: The life assured must survive for the period specified in the rider after the diagnosis of a covered illness.
Illness not meeting the defined severity: A condition must satisfy the exact medical definition and severity criteria mentioned in the rider brochure.
Pre-existing or excluded conditions: Any conditions excluded under the rider terms may not qualify for a claim.

The exact waiting period, survival period, and exclusions should be referred to in the official HDFC Life Critical Illness Plus Rider brochure.

Claim Process for HDFC Life CI Rider [Documents + Steps]

To claim the HDFC Life Critical Illness Plus Rider benefit, the claimant must inform HDFC Life and submit the necessary documents for claim assessment.

Step 1: Notify HDFC Life

Inform the insurer as soon as a covered critical illness is diagnosed and initiate the claim request.

Step 2: Submit the claim form

Complete the prescribed claim form with the required policy and personal details.

Step 3: Submit supporting documents

Commonly required documents include:

Duly filled claim form
Policy details
Identity proof
Medical reports confirming the diagnosis
Hospital records, investigation reports, and doctor's certificates
Any additional documents requested by HDFC Life

Step 4: Claim assessment and benefit payment

HDFC Life reviews the submitted documents and verifies whether the illness meets the rider definitions and conditions. Once approved, the rider benefit amount is paid according to the policy terms.

Note: It is suggested to calculate the term plan premium on the term insurance calculator online tool by Policybazaar before buying.

Wrapping It Up!

When it comes to life, it is a smart idea to prepare for the worst and hope for the best and you can do this by purchasing a critical illness cover with term insurance for yourself and your loved ones. Remember all the above-mentioned points so that you can make an informed decision.

Note: Check all the best term insurance plan in India.

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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FAQs

How many diseases does HDFC Life CI rider cover?

Ans: The HDFC Life Critical Illness Plus Rider covers 19 specified critical illnesses, including cancer of specified severity, heart attack, stroke, kidney failure, organ transplant, and other serious medical conditions.
What is HDFC Life CI rider premium for ₹50 lakh cover?

Ans: The premium for ₹50 lakh HDFC Critical Illness Rider coverage depends on your age, selected rider term, health condition, and underwriting assessment. The exact amount can be checked through an HDFC Life premium illustration.
What is the tenure limit of HDFC Life CI rider?

Ans: The HDFC Life Critical Illness Plus Rider offers a maximum rider tenure of 15 years, subject to the terms and conditions of the selected base policy.
How to claim HDFC Life CI rider?

Ans: To claim the HDFC CI Rider benefit, inform HDFC Life after diagnosis of a covered critical illness, submit the required claim documents, and complete the insurer's claim assessment process. The benefit is paid after claim approval.

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Author's Bio

Varun Agarwal IRDAI Certified Term Insurance Expert with 10+ Years of Experience

Varun has spent years in the insurance space, but what drives him isn't policies or premiums — it's the conversations he's had with real people. A young father in Pune wondering if his salary is enough. A newly married couple in Jaipur putting off "the insurance talk" for later. A mother in Chennai who never knew her husband was underinsured until it was too late.
These stories stay with him. As Head of Term Insurance at Policybazaar, Varun knows the numbers well — 52.4% of Indians are aware of term insurance, yet only 9.6% own it. And 87% of families don't realise they're leaving their loved ones with far less protection than they actually need. But behind every statistic, he sees a family that just needed someone to sit with them, explain it simply, and help them take that one step. That's exactly what Policybazaar's term insurance is built to do. In his words, "Most people aren't avoiding protection — they're just waiting for someone to make it easy. That's what we're here for."

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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

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