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HDFC Life Click 2 Protect 3D Plus Return Of Premium

A term plan that customizes according to your lifestyle is a dream for any individual. HDFC Life Click 2 Protect 3D Plus Return of Premium is an intelligent term insurance plan that keeps up with the changing times. It offers benefits depending on your changing life needs and truly keeps you protected.

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It provides complete security at a reasonable price. The 3D stands for the 3 major uncertainties that an individual should be prepared for namely Disability, Death, and Disease. Any person cannot avoid these 3 barriers of life and should plan for the financial security of them and their loved ones.

The 3Ds are enough to throw anyone’s life off balance and may lead to financial challenges. However, with proper insurance cover and judicious use of benefits, one can make the most of one’s life insurance policy. An attractive feature of the HDFC Life Click 2 Protects 3D Plus Return of Premiumis the facility to waive off the future premiums in case the person insured is not able to take care of them due to an unfortunate disability or any critical or terminal illness, rendering him unable to work. This plan falls in the category of TROP or Term Plan with the return of Premium available.

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

Eligibility Criteria for HDFC Life Click 2 Protect 3D Plus Return of Premium

The policy comes with a list of criteria before one makes up their mind to buy this plan.

  • Entry Age: 18 years to 65 years
  • Maturity Age: 23- 75 years.
  • Policy Term-5 to 40 years
  • Premium Payment Mode: Regular Pay/ Single Pay/ Limited Pay: 5 years to 39 years
  • Minimum Basic Sum Assured: Rs. 10 lakhs
  • Premium Payment Frequency: Single/ Annual/Semi-Annual/Quarterly/ Monthly (can be changed as per conditions)

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Salient Features of the Plan

The key features offered under the HDFC Life C2P 3D Plus Return of Premium Plan are as follows:

  • The plan provides extensive financial protection to the person insured and his family at an affordable cost.
  • The chief feature of this plan is the waiver of premium in case of Accidental Total Permanent Disability.
  • All premiums are waived off if the policyholder survives the policy term.
  • In case of the death or diagnosis of Terminal Illness during the Policy Term, a Lump sum benefit will be paid to the nominee.
  • There are provisions of a wide range of benefits like the Death Benefit, Accelerated Death Benefit, Accidental Total Permanent Disability, and Waiver of premiums.
  • Maturity benefits are also provided under the plan.
  • The policy shall terminate upon the death/diagnosis of terminal illness/or, expiry of the policy term, whichever is earlier.
  • The plan provides flexible options to choose the policy term, Sum Assured, and premium payment terms at the inception of the policy.
  • There are special premium rates for female lives and non-tobacco users.

Core Benefits of the Plan

HDFC Life Click 2 Protect 3D Plus Return of Premiumplan provides a wide range of benefits in cases where terminal or critical illness or accidental disability may strike as a challenge. This policy is the only plan under HDFC Life Click 2 Protect 3D Plus plan options that provide a maturity benefit in the form of the return of premiums paid by the policyholder during the policy tenure. He gets entitled to receive this Maturity benefit if he survives the policy term.

Below are listed the various benefits that one can get under this policy:

  1. Death Benefit

    The Death Benefit under this plan is the Sum Assured on Death along with additional benefits. It is the benefit, which is paid to the policyholder’s nominee if the policyholder dies during the policy term, the policy remaining in force. It can be utilized by the insured’s family to take care of their lifestyle expenses in his absence.

    It is calculated as follows for different policies:

    • For Single Pay Policies

    Highest of:  (125% X Single Premium) OR Guaranteed Sum Assured on Maturity, OR, Absolute Amount Assured on death

    • For Regular Pay & Limited Pay Policies 

    Highest of: (10 X Annualized Premium, OR, 105% of Total Premiums Paid, OR Guaranteed Sum Assured on Maturity, OR, Absolute Amount Assured on death

  2. Accelerated Death Benefit

    In such an unfortunate event when the policyholder undergoes death or diagnosis of terminal illness as mentioned under the covered illnesses, the Insurer will pay him or his nominee the Sum Assured on Death as Lump sum Benefit. The policy terminates thereafter.

  3. ATPB Accidental Total Permanent Disability-Waiver of Premiums

    In case the policyholder suffers from total permanent disability due to an accident in the policy tenure and is rendered unable to work, this plan allows for waiver of all future premiums without discontinuing the policy. This comes as a major relief to the dilapidated individual as well as his family.

  4. Maturity

    The plan offers a guaranteed maturity benefit in the form of total premiums paid to the Life Assured if he survives the policy term. With the disbursement of the lump sum payout, the policy terminates.

  5. Tax Benefits

    The premiums under the policy are exempt from tax under Sec 80C and the benefit payouts are tax-free under Sec 10(10D).

    “Tax benefit is subject to changes in tax laws.”

The Process to Purchase the Plan

Customers who wish to buy theHDFC Life Click 2 Protect 3D Plus Return of Premiumpolicy can easily access it online on the Insurer website. Here is the process for purchase: 

Step 1: Fill Personal Details

Customers have to enter their details like name, DOB, age, contact details, city, occupation, income, etc.

Step 2: Customize Plan

HDFC Life Insurance provides many opportunities to its customers to customize their plan. They can choose the options available for Sum Assured, Lump sum Benefit, Annual Income, policy term, and the payment frequency for the premium.

Step 3: Generate Premium Quote

One needs to also fill in details about their health habits like whether one consumes tobacco or not, medical history, etc. Based upon all the details entered, the online calculator for premium calculation will generate a tentative premium quote.

Step 4: Finalize Purchase

If one finds everything according to his plan, one can go ahead, finalize the purchase, and make the premium payment.

Documents Required

All individuals will be required to submit a set of document to buy the HDFC Life Click 2 Protect 3D Plus Return of Premiumpolicy. Here is a list:

  • Identity Proof: PAN Card, AADHAAR Card, Passport, Driving License, Voter ID 
  • Address Proof: AADHAAR Card, Passport, Driving License, Utility Bills in the customer’s name
  • Income Proof: Salary Slips for last 3 months or ITRs, Form 16
  • Bank Statements for bank account details
  • Recent photograph
  • Proposal Form

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Additional Features

Here is a quick rundown of some additional features offered by the Plan:

  1. Free Look Period

    HDFC Life Insurance provides the free look feature to its customers under the guidelines of the IRDAI. Any customers who purchase a policy, if he is not satisfied with its provisions can send the policy papers back to the Insurer, within 15 days of the policy receipt (30 days for policies acquired through Distance Marketing). 

    The policy papers have to be accompanied by a letter from the policyholder, stating the reason for cancellation. The Insurer will refund the premium after premium deduction for the period undercover and stamp duty charges.

  2. Revival

    The insurer provides a chance to the policyholder to revive a lapsed policy if he has not been able to make recent policy premium payments. One can revive one’s lapsed policy within 2 consecutive years of the time the policy lapsed. This is subject to terms and conditions specified by the Insurer. With the payment of all unpaid premiums due, the policy is revived and the policyholder resumes the entitlement of the contractual benefits.

  3. Alteration

    This plan provides its customers with the option to change the premium payment frequency at any Policy anniversary. Customers need to submit a written request for a change of premium payment frequency and what will be the frequency that they want to set for their premium payments.

  4. Policy Surrender

    HDFC Life Click 2 Protect 3D Plus Return of Premiumpolicy provides a surrender value to the policyholder in case he wishes to surrender his policy, subject to conditions.

    • Customers who have a Single Premium policy can surrender the policy at any time during the plan tenure. The policy will acquire a Surrender Value immediately on payment of premium. 
    • Customers, who have a Limited Pay policy, can surrender the policy only after a period of 2 years from the plan purchase after payment of premiums for 2 years when the policy acquires its surrender. 
    • The Surrender Value will be calculated based on the remaining coverage and the total premiums paid so far.

Key Exclusions

The HDFC Life Click 2 Protect 3D Plus Return of Premiumplan provides for the following exclusion in case of a suicide by the policyholder:

  • If the policyholder has a death due to suicide within a year of the policy inception, his nominee or beneficiary shall be entitled to at least 80% of the premiums paid, provided the policy is in force. 
  • If the policyholder has a death due to suicide within a year of the date of revival of the policy, his nominee or beneficiary will receive an amount which is:

Higher of ( 80% of the premiums paid till the date of death OR the Policy Surrender Value as on the date of death).

*For a detailed list of exclusions, please refer to the policy document or the product brochure.

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


  • Q1. Is a policy loan possible under this HDFC Life Click 2 Protect 3D Plus Return of Premium policy?

    A1. The policy does not provide any facility for a policy loan.
  • Q2. Are the facilities for Nomination and Assignment of a beneficiary available with the policy?

    A2. Yes, the policy provides the feature to appoint a person as suggested by the policyholder who will receive the benefits of the plan post the policyholder’s death. These facilities are available under Sections 39 & 38 of the Indian Insurance Act, 1938.
  • Q3. What alteration features are available with the policy?

    A3. Policyholders cannot change the premium payment term or the policy term after what is chosen at the time of policy inception. Later, only premium paying frequency can be changed at the policy anniversary.
  • Q4. Why should I buy this return of Premium plan?

    A4. While the term plans from any other insurers will offer an individual the regular death benefit, and the option to choose the benefit payout as a single amount or as monthly installments, HDFC Life’s 3D Plus ROP plan offers cover against non-payment of premium on account of accidental death or disability as well. The plan is customizable and allows one to secure their family’s financial future in their absence.
  • Q5. How does a regular Term Plan differ from a Term Plan with Return of Premium or the TROP?

    A5. A regular term m plan offers just a plain death benefit. There are no maturity or survival benefits or any premium returns if the policyholder survives the policy term. However, a Term Plan with Return of Premium or the TROP offers a guaranteed maturity benefit in the form of the return of the total premium amount paid when the policy ends, or, when the accidental death or disability of the policyholder as mentioned under the plan, sets in.
  • Q6. How can I check the status of my HDFC Life Click 2 Protect 3D Plus Return of Premium policy?

    A6. Customers who have online access can visit the insurer website. They need to login to their online account with their registered username and password. Once they are able to login, they can access their recent policy details under the “My Account” section. They can also use HDFC Life’s self-service SimplyQlik. It is the insurer’s app that can be downloaded on smartphones and used to check the policy status. Alternatively, customers can also call HDFC Life’s customer care and confirm their policy status after giving their policy details.
  • Q7. Can I change my address under the policy?

    A7. For an address change request, customers have to fill up and submit the Policy Servicing Request Form. Either they can get the form from the nearest HDFC Life branch or they can also download it under the Forms & Downloads section of Policy Servicing in “My Account” online. They can send the form to any HDFC Life branch or email at . This has to be accompanied by a self-attested photocopy of the new address proof.
  • How to calculate the term insurance premium online?

    Ans: You can easily calculate the term insurance premium online by using the term insurance calculator online tool
  • What are the benefits of term life insurance?

    Ans: Here are 4 common term insurance benefits:
    • Low premium rates
    • Tax Benefits
    • Death Benefit
    • Long term coverage
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