HDFC Life Click 2 Protect 3D Plus

This term plan gives you practical and well-structured coverage that meets modern needs, whether you want to protect your family's future, your income, or your major responsibilities.

Note: Know more about what is term insurance first before reading this article.

Key Features of HDFC Life C2P 3D Plus Plan

Here are the key features of the HDFC C2P 3D Plus Brochure:

• The policyholder and their family get protection at highly affordable costs.

• There are nine plan options to choose from and customize. 

• There is an option for a premium waiver under all plans for accidental total permanent disability and additionally, if one receives a critical illness diagnosis for 3D and 3D Life Long Protection options. 

• Entire life protections are available under Life Long Protection and 3D Life Long Protection Plans

• There are many options to choose from in premium payment mode and frequency. 

• A feature called the 'Life Stage Protection' offers the option to raise insurance cover on certain milestones without the need for medicals.

• Cover can also increase every year by using top-up.

• Women and non-tobacco users get discounts on premiums.

• Tax benefits are available, subject to amendments in existing laws.

What are the Benefits of HDFC Life Click 2 Protect 3D Plus Plan?

The advantages offered under the HDFC Life Click 2 Protect 3D Plus plan are as follows:

• Death Benefit: This is the amount paid to the nominee on the death of the policyholder in case of death during the policy term.  

• Terminal Illness Benefit: This benefit is paid out if you are diagnosed with a terminal illness while your policy is still in effect. Under this, the death benefit gets accelerated on the diagnosis of a terminal illness.

• Accidental Total & Permanent Disability: Waiver for all future premiums on the occurrence of a total & permanent disability due to an accident.

• Critical Illness Benefit: Waiver for all future premiums on the diagnosis of a critical illness, as available under 3D Life and 3D Life Long Protection options.

• Accidental Death Benefit: Extra life sum assured is payable and death benefit on the occurrence of accidental death.

• Maturity Benefit: Under the Return of Premium Option, all premiums are returned if the policyholder lives until the end of the policy's term.

• Life Stage Protection: Upon reaching key milestones, the basic sum assured can increase on first marriage by 50% (max. 50 Lacs), on the first and second childbirths by 25% (max. 25 Lacs).

• Top Up Option: This option exists for all plans to systematically increase cover from the first anniversary of the policy's commencement.

• Tax Benefits: You can claim term insurance tax benefits as per the prevailing tax laws under sections 80C and 10(10D) of the Income Tax Act, 1961.

*Tax benefit is subject to changes in tax laws.

What are the Plan Options Available with HDFC C2P 3D Plus Plan?

As mentioned before in this C2P 3D Plus brochure, there are nine plan options. Details of benefits under each are below:

1. Life Option

   • Death Benefit

   • Acceleration of Death Benefit on Terminal Illness 

   • Waiver of Premiums on Accidental Total Permanent Disability 

2. 3D Life Option

   • Death Benefit

   • Acceleration of Death Benefit on Terminal Illness 

   • Waiver of Premiums on Accidental Total Permanent Disability 

   • Waiver of Premiums on Critical Illness

3. Extra Life Option

   • Death Benefit

   • Acceleration of Death Benefit on Terminal Illness 

   • Waiver of Premiums on Accidental Total Permanent Disability 

   • Extra Life Sum Assured on Accidental Death

4. Income Option

   • Death Benefit

   • Acceleration of Death Benefit on Terminal Illness 

   • Waiver of Premiums on Accidental Total Permanent Disability 

5. Extra Life Income Option

   • Death Benefit

   • Acceleration of Death Benefit on Terminal Illness 

   • Waiver of Premiums on Accidental Total Permanent Disability 

   • Extra Life Sum Assured on Accidental Death

6. Income Replacement Option

   • Death Benefit

   • Acceleration of Death Benefit on Terminal Illness 

   • Waiver of Premiums on Accidental Total Permanent Disability 

7. Return of Premium Option

   • Death Benefit

   • Acceleration of Death Benefit on Terminal Illness 

   • Waiver of Premiums on Accidental Total Permanent Disability 

   • Return of Premium on Maturity

8. Life-Long Protection Option

   • Death Benefit

   • Acceleration of Death Benefit on Terminal Illness 

   • Waiver of Premiums on Accidental Total Permanent Disability 

9. 3D Life Long Protection Option

   • Death Benefit

   • Acceleration of Death Benefit on Terminal Illness 

   • Waiver of Premiums on Accidental Total Permanent Disability 

   • Waiver of Premiums on Critical Illness

Eligibility Criteria for HDFC Click 2 Protect 3D Plus Plan

This HDFC Click 2 Protect 3D Plus Brochure gives the eligibility for this plan. It is as follows:

Note: You can use the term insurance calculator to see the premiums applicable for your profile.

Terms and Conditions

The basic terms and conditions that form part of this C2P 3D Plus Brochure are as follows:

• Tax Benefits

• Cancellation is a free-look period

• Revival

• Nomination

• Assignment

• Alterations

• Policy Loan

• Prohibition of Rebates

• Non-Disclosure

• Indirect and Direct Taxes

Key Exclusions of HDFC Life C2P 3D Plus Plan

Within this HDFC C2P 3D Plus brochure, there are the following exclusions:

1. Suicide Clause

   Exclusions for Extra Life and Extra Life Income Options

   • Death after 180 days of the accident

   • Self-harm or attempted suicide

   • Alcohol, solvent, and drug abuse

   • War, invasion, hostilities, civil war, rebellion, revolution, riot, or civil commotion

   • Flying activity

   • Act of a criminal nature with criminal intent

   • Hazardous hobby or pursuit

   Exclusions for 3D Life and 3D Life Long Protection Options

   • Death within 30 days of diagnosis of critical illness

   • Any sickness manifesting in 90 days of commencement

   • Self-harm or attempted suicide

   • Alcohol, solvent, and drug abuse

   • Act of a criminal nature with criminal intent

   • HIV or AIDS

   • Failure to seek or follow medical advice

   • Radioactive contamination because of a nuclear accident

How to Buy HDFC Life Click 2 Protect 3D Plus Plan?

Here is how you can buy the HDFC Click 2 Protect 3D plus plan:

Step 1: Visit the company website to log in. 

Step 2: Enter the sum assured as the first step.

Step 3: Choose the policy and plan based on this C2P 3D Plus Brochure. 

Step 4: Select a term and mode for paying premiums. 

Step 5: Once the details have been entered, a premium amount will be shown.

Step 6: At this point, it becomes necessary for the applicant to select their bank to proceed with payment. 

Step 7: On completion of payment, the applicant receives an acknowledgement. 

Step 8: Based on the plan selected, as given here in the C2P 3D Plus brochure, the applicant will receive a confirmation that they have been accepted. First, they will receive a soft copy. Then, a hard copy will follow. 

Documents Required for HDFC Life C2P 3D Plus Plan

The following documents are required to buy HDFC Life Click 2 Protect 3D Plus plan 

• PAN Card and Aadhar Card for Identity Proofs.

• Driving License, Gas Bills, Electricity Bills, Telephone Bills, etc., for Address Proofs.

• Passport Copy for Age Proofs.

• Passport Size Photographs

• Income Tax Returns for Income Proof

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

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