HDFC Life Click 2 Protect 3D Plus Premium Calculator

HDFC Life Click 2 Protect 3D Plus is a non-linked, non-participating term insurance plan that comes with attractive features and benefits to ensure comprehensive financial security and protection for the policy buyers and their family members. The insurer helps its customers compute the cost of a life cover through HDFC Life Click 2 Protect 3D Plus Premium Calculator.

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Get ₹1 Cr. Life Cover at just ₹449/month*
No medical checkup required
Save more with upto 10% discount
Covers COVID-19
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Upto Rs. 46800
Life Cover Till Age
99 Years
8 Lakh+
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*Tax benefit is subject to changes in tax laws. *Standard T&C Apply
** Discount is offered by the insurance company as approved by IRDAI for the product under File & Use guidelines
Get ₹1 Cr. Life Cover at just ₹449/month*
No medical checkup required
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With the help of this premium calculator, the customers can make an informed decision and select the term plan that offers higher coverage at a low premium. Read on to know more about HDFC Life Click 2 Protect 3D Plus Premium Calculator. 

What is HDFC Life Click 2 Protect 3D Plus Premium Calculator? 

The HDFC Life Click 2 Protect 3D Plus Premium Calculator is a freely available online tool that helps to estimate the approximate premium charges of a plan for the chosen sum assured. The use of term premium calculators is very easy and hassle-free. This term insurance premium calculator considers certain factors such as existing income, age, gender, health conditions, marital status, number of dependents, and more to help you choose a term plan that rightly fits your requirements and life objectives. 

How To Use HDFC Life Click 2 Protect 3D Plus Premium Calculator? 

To use HDFC Life Click 2 Protect 3D Plus Premium Calculator, follow the below-mentioned steps: 

Step 1: Visit the official website of HDFC Life Insurance 

Step 2: Click on ‘useful tools and calculators’ on the homepage 

Step 3: After this, a list of calculators will be displayed on the screen such as retirement planning, save tax calculator, human life value calculators, etc. 

Step 4: Select Calculator for Individual plans 

Step 5: Then, click on term plans and choose the option ‘calculate premium’ present at the bottom of these plans 

Step 6: Enter the basic details such as name, gender, DOB, email ID, mobile number, smoking, and tobacco use, NRI status, state, etc. 

Step 7: After entering all these details, the insurer will compute the cost of the term insurance plans and provide you the customized results.

Types of Term Plans

Details Required While Using the HDFC Life Click 2 Protect 3D Plus Premium Calculator

Following are some of the personal details a person need to provide while calculating the premium of the plan with the help of HDFC Life Click 2 Protect 3D Plus Premium Calculator: 

  • Name

  • Age

  • Gender 

  • Date of Birth 

  • Mobile number 

  • E-mail ID

  • Lifestyle habits such as smoking or tobacco use 

  • State and city 

  • Life cover required ‘

  • Premium Payment Term 

  • Policy tenure 

Benefits of Using HDFC Life Click 2 Protect 3D Plus Premium Calculator

There are number of benefits of using HDFC Life Click 2 Protect 3D Plus Premium Calculator. Let’s discuss them in detail: 

  • Easy to Understand: HDFC term plan premium calculator is a convenient and user-friendly online tool that helps to evaluate the approximate amount of premium by just entering some details. 

  • Comparison of different term insurance plans: With the help of the term insurance premium calculator, one can easily compare the premium rates, benefits, and features of the different term plans and select the right plan as per one’s own need. 

  • Free of cost: The HDFC Life Click 2 Protect 3D Plus Premium Calculator is easy and free to use. 

  • Hassle-free and saves time: When you compare different HDFC term insurance plans with a premium calculator, you are not required to submit any documents. You receive premium quotes in just a few clicks and can make an informed decision whether to buy it or not. 

  • Free of Cost: The premium calculation using HDFC Life Click 2 Protect 3D Plus Premium Calculator is technology-enabled, therefore it is less susceptible to mistakes as compared to manual computations. 

  • Right premium amount: The main objective of using the HDFC Term Insurance Premium Calculator is to get the right premium amount for a term plan. The detailed knowledge about the premium rates under various plans can help you compare and choose the right-priced term plan for your suitable requirements. 

Five things to know before buying Term Plan Five things to know before buying Term Plan

Factors Affecting the HDFC Life Click 2 Protect 3D Plus Premium Rates 

Every insurer has specific guidelines based on which they select the premium rates. Following is a list of factors that should be taken into consideration while determining the premium charges using HDFC Life Click 2 Protect 3D Plus Premium Calculator: 

  • Age: The higher the age, the higher the premium rates. Older individuals are at higher risk of suffering from critical ailments than young people. It is advisable to purchase term plans at younger ages. 

  • Gender: As per the financial advisors, women have a longer lifespan than men, this is why life insurers offer lower premium quotes to female insurance holders. 

  • Lifestyle: The health risk associated with smoking involves cancer, lung diseases, etc. So a person having a smoking habit is offered higher premium rates than non-smokers. 

  • Riders: If an individual opts for any additional benefit while purchasing the term plan, then the premium rates of the plan increase simultaneously. 

  • Chosen Sum assured: The sum assured amount chosen by the policyholder is directly proportional to the premium rates. This means, the higher the sum assured amount, the higher will be the premium quote of the term insurance plan. 

  • Premium payment tenure: The shorter the duration of paying premium chosen, the higher will be the term plan premium quote increase.

Types of Term Plans

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