HDFC Life Click 2 Protect Elite

HDFC Life Click 2 Protect Elite is a comprehensive term insurance plan that is specially designed to protect your family in case of uncertainty. With this plan, you can receive coverage for the desired policy tenure, or choose to exit the plan early with the plan’s Smart Exit Benefit. Let us take a look at some of the eligibility conditions and benefits offered under the plan.

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Get ₹1 Cr. Life Cover at just ₹449/month+
Tax Benefit
Upto Rs. 46800
Life Cover Till Age
99 Years
8 Lakh+
Happy Customers

+Tax benefit is subject to changes in tax laws.

++All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Get ₹1 Cr. Life Cover at just ₹449/month+
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Eligibility Criteria of HDFC Life Click 2 Protect Elite

Term Plan Details Minimum limit Maximum limit
Entry Age 18 years 45 years
Maturity Age 33 years 75 years
Policy Term For Limited Pay of 10 years - 15 years
For Limited Pay of 15 years - 20 years
40 years
Sum Assured Domestic - 2 Crores
NRI - 2.25 Crores
5 Crores
Premium Payment Term Limited Pay (10 or 15 years)

Benefits of HDFC Life Click 2 Protect Elite Plan

  1. Death Benefits

    The death benefit is payable as a lump sum payment if the assured dies during the policy term. 

    SA on death for Limited Pay is the highest of:

    • 10X of the annualized premium

    • 105% of the Total Premiums

    • Basic Sum Assured

  2. Maturity Benefits

    No benefit is payable on the survival of the policy term.

  3. Tax Benefits

    The plan offers term insurance tax benefits as per the prevailing tax laws of the Income Tax Act of 1961.

Additional Benefits of HDFC Life Click 2 Protect Elite

  1. Smart Exit Benefit

    With the smart exit benefit options, you can exit the plan early (only applicable for policies over 30 years), provided that the policy is in force. 

  2. Change Premium Payment Modes

    You can easily change the premium payment modes anytime during the premium payment tenure.

Riders Available in HDFC Click 2 Protect Elite Plan

Here is a list of the riders available under the HDFC Click 2 Protect Elite Term Plan:

  • HDFC Life Critical Illness Plus Rider

  • HDFC Life Income Benefit on Accidental Disability Rider

  • HDFC Life Protect Plus Rider

Policy Details

    • Paid-up Value: There is no paid-up benefit available under the plan. In case of non-payment of premiums, the policy will lapse.

    • Policy Loans: No policy loan facility is available under this term plan.

    • Unexpired Risk Premium Value: Policy Cancellation Value (PCV) is accumulated immediately after the payment of two policy years. The value will be paid as per the following formula:
      PCV Factor x Total Premiums Paid x Unexpired Policy Term / Original Policy Term

    • Free look period: If the policyholder is not satisfied with any T&Cs of the policy, the policyholder shall have the option to return the plan to the company, mentioning the reasons for the objection, within 15 days (30 days in case the plan is purchased through distance marketing mode) from the receipt date of the policy.

    • Grace Period: It is the time provided after the due date of the premium in which the plan is considered to be active with the risk cover. The policy offers a grace time of 30 days for annually, half-yearly, and quarterly payment frequencies from the premium amount due date. The grace period for monthly payment frequencies is 15 days.

    • Revival period: You can revive your lapsed plan or paid-up plan in the mentioned revival period. The revival time for limited pay is 5 years as specified by the current policy regulations.


If the policyholder dies because of suicide in 12 months i.e., 1 year from the date of risk commencement under the plan or from the revival date of the policy, the beneficiary/nominee of the life assured shall be eligible for around 80 percent of the full premium amount paid till the death date or surrender value available as on the death date, whichever is maximum, provided the plan is active.

Premium By Age

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