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A Review of HDFC Life Click 2 Protect Super Plan

Prabhjot is one of our customers from Anjar, who bought the HDFC Click 2 Protect Super Plan on Sept 6, 2016. He bought the term insurance at the suggestion of his friend at affordable premium rates. Let us see what he had to say about his purchase of the HDFC term plan. 

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"My friend suggested me an insurance policy which is very nice and has some new features. I buy HDFC term insurance policy in very convenient price. The terms and conditions of the policy is nice and flexible. Policy coverage is high and claims are simple to sanctioned. Service is fantastic with good behaviour.” - Prabhjot

HDFC Life Click 2 Protect Super is a pure-risk protection plan that offers financial protection to your family in the event of your unforeseen death. 

About HDFC Life Insurance

HDFC Life Insurance is an Indian insurance provider that offers a wide range of financial products like term, investments, savings, ULIPs, and pension plans, that help fulfil the needs of various individuals. The company has insured over 6.8 Crore individuals in FY 22-23 and has 498 branches across India. With their life insurance plans, you can secure the financial future of your loved ones in the event of an eventuality.

Let us see the key features and plan benefits in detail.

Note: Now that you know that what is HDFC Life Insurance you should also know about what is term insurance before buying any term plan for your loved ones.

one crore term plan
plus

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 16/day+

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day+

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day+

Key Features of HDFC Life Click 2 Protect Super Plan

Here are the key features of the HDFC Term insurance Click 2 Protect Super Plan

  • This plan ensures full financial protection for your family.

  • Choose from 3 plan options: Life, Life Plus, and Life Goal, based on your specific requirements.

  • If you survive until the end of the policy term, you will receive a refund of all the premiums paid, along with the Return of Premium (ROP) benefit.

  • In case of accidental death during the policy period (available with the Life Plus option), an additional amount will be paid.

  • If you are diagnosed with certain terminal illnesses or ailments before the age of 80 (available with the Life and Life Plus options), you can receive an accelerated death benefit.

  • The Life option allows you to increase the death benefit by up to 200 percent.

  • Under the Life Goal option, you can modify the death benefit to suit your needs.

  • If you are diagnosed with a critical illness, the premium payment can be waived using the WOP option.

  • The WOP Disability option provides premium waiver in case of total and permanent disability.

  • Spouse coverage can be added as an additional option (available with the Life and Life Plus options).

  • You have the choice to receive the death benefit in installments rather than a lump sum.

  • You can choose to receive the death benefit in installments

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What are the Benefits of HDFC Life Click 2 Protect Super?

Let us take a look at the benefits that convinced Prabhjot to buy term plan from HDFC.

  • Available Plan Options
    The HDFC Life Click 2 Protect Super offers 3 plan options and they are:

    • Option 1: Life Option

      • Provides coverage for death benefit during the policy term, which can be increased in case of terminal illness diagnosis. 

      • Can be purchased for an individual or as spousal cover.

      • Death benefit is paid as a lump sum if the policyholder dies during the policy term.

      • The death benefit is the higher of the Sum Assured on Death multiplied by the applicable Sum Assured factor in the policy year of birth or 105% of the total premium paid.

      • Survival until maturity entitles the policyholder to receive the Sum Assured on maturity, which is 100% of the total premium amount paid if the Return of Premium (ROP) option is chosen.

      • In case of terminal illness diagnosis during the policy term, the death benefit can be increased up to a maximum of Rs. 2 Crore.

      • However, if the terminal illness diagnosis occurs after the age of 80, the death benefit will not be increased.

    • Option 2: Life Plus Option

      • Provides coverage for a death benefit that can be increased in case of terminal illness diagnosis.

      • Additional amount paid in case of accidental death during the policy term.

      • Death benefit is paid as a lump sum if the policyholder dies during the plan term.

      • The death benefit is the higher of the Sum Assured on Death or 105% of the total premium paid.

      • An amount equivalent to the Sum Assured on death is paid in case of accidental death.

      • Accidental benefit is payable if death occurs due to an accident within 180 days from the accident date, even if it happens after the policy term.

      • The death benefit can be increased on the diagnosis of specified terminal illnesses.

      • Terminal illness diagnosis after the age of 80 does not increase the death payout.

      • Survival until maturity does not provide any additional benefits.

    • Option 3: Life Goal Option

      • Provides a lump sum death benefit if the policyholder dies during the policy term.

      • The death benefit is equal to the Sum Assured on death calculated as the Basic Sum Assured multiplied by the applicable Sum Assured factor in the policy year of death.

      • No maturity benefits are provided.

  • Return of Premium (ROP) Option
    This option provides you with a return of all the premiums you paid towards keeping the policy active. This amount will be paid as a maturity benefit at the end of the policy term.

  • Waiver of Premium (WOP Disability) & (WOP CI) Option
    With the waiver of premium option, all your remaining premiums will be waived off on the diagnosis of a critical illness specified in the plan or if the policyholder suffers a total and permanent disability.

  • Spouse Cover Option
    Under this option, the spouse of the policyholder will get a death benefit equal to a selected percentage of the basic sum assured and the remaining premiums will be waived off. 

  • Revival Period
    You can revive your lapsed policy within the revival period by paying the outstanding premiums, interest on the remaining premiums, taxes, and levies applicable.

  • Add-on Riders
    This HDFC term insurance plan offers the following benefits that you can include in the base term plan to enhance its coverage

    • HDFC Life Critical Illness Plus Rider: The rider amount will be paid in a lump sum on the diagnosis of any critical illness that is covered under the plan.

    • HDFC Life Income Benefit on Accidental Disability Rider: in this 1% of the sum assured will be paid every month for the next 10 years in case of Accidental Total Permanent Disability.

    • HDFC Life Protect Plus Rider: The benefit amount equal to the rider sum assured will be payable on the diagnosis of cancer, in case of accidental death, or partial/total disability due to an accident.

  • Coverage against 19 Critical Illnesses
    This plan offers coverage for 19 specific critical illnesses as specified in the policy documents.

  • Life Stage Option
    This choice is made when the policy begins. The insured person has the opportunity to increase their life coverage without undergoing further assessment in certain events in their life, such as:

    • First marriage: Up to 50% of the Sum Assured (SA), with a maximum limit of 50 lakhs.

    • Birth of the first child: Up to 25% of the SA, with a maximum limit of 25 lakhs.

    • Birth of the second child: Up to 25% of the SA, with a maximum limit of 25 lakhs.

  • Smart Exit Benefit
    The insured person has the choice to receive a smart exit benefit, which is equal to the total premium amount paid under the plan. No additional premium is required for this option. However, there are certain conditions to be considered:

    • This benefit can be availed in any policy year after 30 years, except for the last five years of the policy.

    • This benefit is not available if the life goal and Return of Premium (ROP) option have been selected.

    • The benefit applies only to the premium paid for the base cover and not for any additional optional benefits.

  • Option to Change Premium Payment Term
    The policyholder has the flexibility to modify the remaining regular premium payments to a limited premium payment term available in the plan.

What Is The Eligibility Criteria Of Buying HDFC Life Click 2 Protect Super Plan?

Below mentioned is the eligibility criteria to buy the HDFC Life Click 2 Protect Super Plan:

Parameters Life Life Plus Life Goal
Entry Age (Minimum) 18 years
Entry Age (Maximum) 65 years
Maturity Age (Minimum) 23 years
Maturity Age 85 years
Policy Term (Minimum) Single Pay: 1 month Regular Pay: 2 years Limited Pay: 3 years Single Pay: 5 years Limited Pay: 7 years
Policy Term (Maximum) 85 years – Entry Age
Sum Assured (Minimum) Rs. 50 Lakhs
Sum Assured (Maximum) Rs. 20 Crores
Premium Payment Frequency Yearly/Half-yearly/Quarterly/Monthly

* You can use the term insurance premium calculator to check the premiums you would need to pay for the desired life cover.

Wrapping it Up!

You can buy the HDFC Super just like Prabhjot and secure your family’s financial future, just like Prabhjot. This plan is a comprehensive term plan with options and features to fit the needs of individuals from all walks of life. You can compare and buy term plans online from the comfort of your home.

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

FAQs

  • Q: What is the claim settlement ratio of HDFC Life Click 2 Protect Super?

    Ans: The claim settlement ratio of HDFC Life insurance company for the financial year 2021-22 is 98.66%. This means the company has a better chance of settling your claim.
  • Q: Is HDFC Life term insurance Safe?

    Ans: Yes, HDFC Life insurance is one of the safest insurers to buy term insurance from. The company offers term insurance plans at affordable premium rates with benefits suitable for everyone’s needs.
  • Q: What is the grace period for HDFC Life Click 2 Protect Super Plan?

    Ans: The grace period for HDFC Life Click 2 Protect Super Plan is 30 days from the premium due date for quarterly, half-yearly, and yearly payment frequencies.
  • Q: How can I purchase HDFC Life Click 2 Protect Super Plan?

    Ans: You can easily purchase HDFC Life Click 2 Protect Super Plan through Policybazaar, where you can also enjoy additional discounts.
  • Q: Are there any tax benefits associated with HDFC Life Click 2 Protect Super Plan?

    Ans: Yes, HDFC Life Click 2 Protect Super Plan provides tax benefits as per the Income Tax Act, 1961. The premiums paid are eligible for tax deductions under Section 80C, and the death benefit received by the nominee is tax-free under Section 10(10D) of the Income Tax Act.

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