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HDFC Life Click 2 Protect Life

HDFC Click 2 Protect Life provides comprehensive financial protection to your family. This plan comes with 3 plan options that are designed to fulfill your needs financially. The policy offers a term return of premium and whole life insurance options under the same plan along with special premium rates for female and non-smoking customers.

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This plan allows the policyholders to pay premiums and receive benefits payout as per their suitability. Let us see the details of the key features and benefits offered under the policy.

Key Features Of HDFC Life Click 2 Protect Life

The HDFC Click 2 Protect Life plan offered by HDFC life insurance has the following key features:

  • Comprehensive financial protection to you and your family

  • Choose from 3 plan options

    • Life insurance & CI rebalance

    • Life protect

    • Income plus

  • The term return of premium option returns all the premiums paid at the end of the policy term

  • Provides the option to avail life protection for whole of life

  • Choose to receive the income payouts from 60 years onwards under the Income Plus Option

  • Offers an additional sum assured on the Accidental death of the policyholder under the ADB (Accidental Death Benefit) option

  • Under the WOP CI (Waiver of Premium on Critical Illness) option, the plan waives off remaining premiums on the diagnosis of a critical illness covered under the plan

  • Special premium rates for female lives and non-tobacco users

Eligibility Conditions of HDFC Click 2 Protect Life Plan

The eligibility criteria of this HDFC Term Insurance plan are as follows:

Plan option Life & critical illness rebalance Life protect Income plus
Fixed term Whole life Fixed term Whole life
Minimum age at entry 18 years 18 years 45 years 30 years 45 years
Maximum age at entry 65 years 65 years 65 years 50 years 10 pay: 50 years
single pay,
5 pay: 55 years
Minimum age at maturity 28 years 18 years Whole life 70 years Whole life
Maximum age at maturity 75 years 85 years Whole life 85 years Whole life
Minimum policy term 10 years Single pay: 1 month
regular pay: 5 years
limited pay: 6 years
Whole life 70 years –
age at entry
Whole life
Maximum policy term 30 years 85 years – age at entry Whole life 40 years Whole life
Premium payment term Single pay, regular pay, limited pay
(5 to any PPT less than PT)
Limited pay
(5, 10, 15 pay)
Single pay, limited pay (5, 10 pay)
Minimum basic sum assured Rs. 20,00,000 Rs. 50,000
Maximum basic sum assured No limit, subject to board approved underwriting policy (BAUP)

Minimum premium illustrative under various premium payment terms and premium frequencies:

Premium Payment Term Premium Frequency Minimum Premium Per Instalment
Single Pay (SP) Single 59 Rupees 
Limited Pay (LP) / Regular Pay (RP) Annual 205 Rupees 
Half-yearly 105 Rupees 
Quarterly 53 Rupees 
Monthly 18 Rupees 

* Premium may vary depending upon the plan option selected.

Note: The Term insurance calculator can help you estimate the required premiums you need to pay for the desired life cover.

HDFC Life Click 2 Protect Life Plan Options

You can select from the following 3 options under the HDFC click 2 protect plan:

  1. Life & Critical Illness Rebalance

    With this plan option, the critical illness cover of the term insurance plan increases in accordance with the decrease in the life cover amount. Along with that, the policy premiums will be waived off in case of the diagnosis of a critical illness listed under the plan.

  2. Life Protect

    Under the life protect option, a lump sum amount equal to the sum assured is paid on the death of the life assured to their nominee.

  3. Income Plus

    Under the income plus option, the Life Assured is covered for the policy term and also receives a lump sum payout on maturity as regular income 60 years of age onwards.

Benefits of HDFC Click 2 Protect Life Plan

You can take a look at the following benefits to get a better understanding of what is term insurance benefits offered by HDFC life click 2 Protect life:

  1. Benefits Under Life And Critical Illness Rebalance

    1. Sum Assured Benefit

      Basic sum assured is divided between

      • Life cover sum assured

      • Critical illness sum assured

      Critical illness cover increases at each policy anniversary, subsequently reducing the life cover.

    2. Illustrative example:

      With a Basic Sum Assured of 50 lakhs and a policy term of 10 years,

      Policy Year Life Cover Sum Assured Critical Illness Sum Assured
      1 40.0 lakh 10.0 lakh
      2 38.5 lakh 11.5 lakh
      3 37.0 lakh 13.0 lakh
      4 35.5 lakh 14.5 lakh
      5 34.0 lakh 16.0 lakh
      6 32.5 lakh 17.5 lakh
      7 31.0 lakh 19.0 lakh
      8 29.5 lakh 20.5 lakh
      9 28.0 lakh 22.0 lakh
      10 26.5 lakh 23.5 lakh

      Once a critical illness claim is made,

      • Life cover sum assured is fixed

      • The same sum assured will continue until the end of the policy term

    3. Death Benefit

      The death benefit is payable as a lump sum to the nominee during the demise of the life assured.

      It is the highest of:

      • Sum Assured on Death

      • 105% of Total Premiums Paid

      • Life Cover SA

      Sum assured on death for single pay is the higher of:

      • 125% of Single Premium

      • Sum Assured on Maturity

    4. Critical Illness Benefit

      The applicable critical illness sum assured during the time of diagnosis of the disease will be payable to the policyholder.

      In addition, all future premiums payable under the plan will be waived off and the life cover will continue.

    5. Maturity Benefit

      • On survival, sum assured on maturity will be payable

      • Upon the payment of death or maturity benefit as above, the policy terminates and no further benefits shall be payable

  2. Benefits Under Life Protect

    Under the life protect option, you are covered for death during the policy tenure. In case of unfortunate demise, the nominee receives lump sum benefits.

    1. Death Benefit

      The death benefit is payable if the life assured dies during the policy term.

      It is the higher of:

      • Sum Assured on Death

      • 105% of Total Premiums Paid

      Sum Assured on Death for Single Pay is the highest of:

      • 125% of Single Premium

      • Sum Assured on Maturity

      • Basic Sum Assured

    2. Maturity Benefit

      • On survival, sum assured on maturity will be payable

      • Upon the payment of death or maturity benefit as above, the policy terminates and no further benefits shall be payable

  3. Benefits Under Income Plus

    Under this option, life cover is offered for a selected policy term.

    Monthly income of 0.1% of the Basic Sum Assured shall be paid in arrears, starting from the policy anniversary following the 60th birthday of the policyholder and continues until death or policy maturity, whichever occurs earlier.

    1. Death Benefit

      The death benefit is payable to the nominee as a lump sum at the time of the untimely demise of the policyholder.

      It is the higher of:

      • Sum Assured on Death

      • 105% of Total Premiums Paid

      less total survival benefits paid out till the date of death

      Sum Assured on Death for Single Pay is the highest of:

      • 125% of Single Premium

      • Sum Assured on Maturity

      • Basic Sum Assured

    2. Survival Benefit

      On the survival during policy term (provided all premiums have been duly paid), an income equal to 0.1% of Basic Sum Assured will be payable to the policyholder at the end of every month, following policy anniversary after attaining age 60 years, until death or end of the policy term, whichever occurs first.

    3. Maturity Benefit

      For Fixed Term: Sum Assured on Maturity shall be payable

      For Whole Life: NIL

Additional Benefits Under HDFC Life Click 2 Protect Life Plan

  • Term Return of Premium (ROP) Option: If the policyholder chooses the Term return of premium plan option, all the premiums paid throughout the policy term will be returned to the policyholder at the end of the policy tenure.

  • Waiver of Premium on Critical Illness (WOP CI) option: With this option, all the remaining premiums for the term plan, on the diagnosis of a critical illness listed under the plan will be waived off. The premium payment term to opt for this option has to be more than 5 years and the plan option should be Life protect option with a fixed term.

  • Accidental Death Benefit (ADB) option: Under the ADB rider benefits, the entire rider sum assured will be paid to the nominee in case of the policyholder’s death due to an accident.

  • Alteration of Premium Payment Frequency: The policyholder can change the premium payment mode or frequency at any point during the premium payment term.

  • Option to reduce premium payment term from regular pay to limited pay: The HDFC Click to protect life provides the policyholders with the option to convert their Regular payment premium term to a limited pay premium term at no extra costs.

HDFC Life Click 2 Protect Life Riders

The HDFC Click 2 Protect Life plan offers the following rider options to help you enhance your protection

  1. HDFC Life Income Benefit on Accidental Disability Rider

    • 1% of Rider Sum Assured is paid per month for the next 10 years, in case of an Accidental Total Permanent Disability.

    • No maturity benefits are available

  2. HDFC Life Critical Illness Plus Rider

    • Lump-sum benefit equal to the Rider Sum Assured shall be payable in case of diagnosis of a critical illness covered under the plan

    • No maturity benefits are available

  3. HDFC Life Protect Plus Rider

    • A benefit as a proportion of the Rider Sum Assured shall be payable in case of

      • Accidental death

      • Partial/Total disability due to accident

      • Diagnosed with cancer

    • No maturity benefits are available

HDFC Life Click 2 Protect Life Policy Details

Here is a list of all the policy details of the HDFC click 2 protect life plan that you should know:

Free Look Period

Under the free look period if the policyholder is unsatisfied with the policy documents and its T&Cs, he/she can cancel the policy without any repercussions, and receive all the premiums paid. The free look period for a policy purchased online is 30 days from policy issuance whereas, for an offline issued policy, it is 15 days from receiving the policy documents.

Grace Period

The grace period is the extra time period provided to the policyholder to pay their premiums after the premium is due without lapsing the policy. The grace period for monthly premiums is 15 days and for all the other premium payment modes it is 30 days.

Revival

The policyholder can receive their lapsed HDFC Life click 2 protect life plan within the 5 year revival period from the date of the last unpaid premium. The policyholder will need to submit the remaining premiums, interest on the amount, and the applicable taxes to revive his/her lapsed policy.

Policy Loan

There is no loan facility available under this plan since it is a pure term life insurance.

Surrender

In the case of a single premium payment the policy accumulates a surrender value immediately, while under limited and regular pay the surrender value is accumulated after 2 years of premium payments. On the surrender of the term plan, the surrender value will be provided to the policyholder and the policy will terminate.

Exclusions

In case the policyholder commits suicide within 12 months of policy issuance or revival, the insurer will provide at least 80% of the total premiums paid until the policyholder’s death or the surrender amount, whichever is higher, given that the policy is still active.

FAQ's

  • What is the loan amount available in Click to Protect life plan?

    Ans: There is no loan amount available in the HDFC Click 2 protect life term plan.
  • What is the claim settlement ratio of HDFC Life Click 2 Protect?

    Ans: The claim settlement ratio of HDFC life insurance for the financial year 2021-22 is 98.66%. This means that the company has settled most of the claims received in the year and thus is a reliable insurance provider in India.
  • What is the minimum basic sum assured of click 2 protect life?

    Ans: The minimum basic sum assured for the HDFC life click 2 protect life is Rs. 20 Lakhs.
  • How many critical illnesses are covered under Click 2 Protect life?

    Ans: There are a total of 36 critical illnesses covered under the HDFC click to protect available. This means that on the diagnosis of any of the critical illnesses covered under the plan, the insurer will payout the critical illness benefit to take care of the medical bills and treatment costs.
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