HDFC Life Click 2 Protect Plus

Starting ₹10/day* for ₹50 Lakh cover

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HDFC Life Click 2 Cover Plus is a term insurance product that provides you with adequate cover at a reasonable premium, and helps you shield yourself and your loved ones from the uncertainty that life may bring. By means of monthly income under the Income & Income Plus Option, with this plan you can also protect the day-to-day needs of your family while you are not home.

HDFC Life Click 2 Protect Plus comes with a free-look period of 30 days for policies purchased online or through distance marketing. A free-look period gives you additional time to review the insurance policy in depth, and decide what is best for you.

Best Features of HDFC Life Click 2 Protect Plus

Listed below are some salient features of the HDFC Life Click 2 Protect Plus which makes it different from rest of the term plans:

  • The plan is available in 4 variants namely - Life Option, Extra Life option, Income Option, and Income Plus option.
  • It provides your loved ones with monthly income in your absence under the Income and Income Plus variants of the plan.
  • HDFC Life Click 2 Protect plan gives you the option to grow your insurance protection under Life Option on achieving key milestones of life.
  • It lets you add unintended disability or serious condition safety riders to your term plan to remain extra safe.
  • It offers a Life Stage Protection feature which is applicable for a period of six months from the date of the incident, providing that the covered individual is under the age of 45 at the time of opting for this feature.
  • If the due premium for regular and limited pay policies is not paid until the end of the grace period, the policy will expire without value and the policy benefits will stop.
  • It offers policy revival where you may restore your lapsed policy according to the terms and conditions.

Benefits of HDFC Life Click 2 Protect Plus

The HDFC Life Click 2 Protect Plus Plan comes with a bunch of benefits that can be availed if you choose to buy this plan:

1. Death Benefit

Death benefits include:

For Single Premium Policy

Higher of:

  1. 125% of Single Premium
  2. Sum Assured
For Regular Premium Policy

Higher of:

  1. 10 times the annualized premium
  2. 105% of the total premiums paid as on the date of death
  3. Sum Assured

 2. Life Stage Protection Benefit

This benefit is available under the life variant of the plan. When you accomplish different achievements in your life, this feature lets you maximise your life coverage. You can significantly raise your sum assured due to which the future premiums also maximise. At a later point, you can also reduce the extra protection because of the reduction in potential premiums. 

3. Premium Flexibility Benefit

The main benefit about the HDFC Life Click 2 Protect Plus is that it gives the insured the opportunity to pay the premium. In the form of single pay, restricted pay or daily pay, the insured can pay the premium.

What is Covered?

The HDFC Life Click 2 Protect Plus plan covers the following contingencies, depending on the plan variant you pick.

Life Option

The following types of coverage benefits are offered by this option-

1. Death Benefit

The policy pays a death benefit if the insured dies during the lifetime of the policy. The death benefit is measured as the amount of the Death and Additional Benefits Assured Sum.

The Sum Assured on Death is computed as explained below –

For single premium plansFor limited and regular premium plans

The maximum of the following:

  • 125% of the single premium paid out
  • Sum Assured on Maturity (amount that is payable upon maturity)
  • Except for Income, Extra Life Income and Income Replacement Options, the 'Absolute amount assured' payable on death is equal to the amount assured selected by you for all plan variants. The 'Absolute amount guaranteed' will be the lump sum amount for income and extra life income options, if any, and the aggregate of monthly income payable. The 'absolute sum guaranteed' will be 12 times the applicable monthly income in the year of death for the income replacement option.

The maximum of the following:

  • 10 times the yearly premium
  • 105% of overall premiums paid (excluding premiums paid for riders, loadings and taxes)
  • Sum Assured on Maturity (amount that is payable upon maturity)
  • 'Absolute guaranteed sum' payable on death, equal to the amount assured on death.

Only under the Income Replacement Option, which will be the sequence of all future monthly earnings, are additional benefits available.

 2. Terminal Illness Benefit

Under the plan, the terminal disease benefit is an in-built rider. Under this benefit, the sum guaranteed is compensated if the insured is diagnosed with a terminal disease during the tenure of the policy.

 3. Accidental Total Permanent Disability Coverage

Under this policy, this is also an inbuilt rider advantage. This rider deals with complete and irreversible accidental impairment. The insurance premiums will be waived off if you suffer permanent and complete disability in an accident, but the benefits would continue undisturbed.

Here’s how it works –

Example – 

Name of the insuredMr. Rai
Age30 years
Term of the plan40 years
Premium payment term and frequency  The limited premium for 10 years payable yearly
Sum assured INR 50 Lakh
Premium amount for non-smoking male (including GST)INR 22,275

Benefits Payable 

  1. If Mr. Rai dies during the tenure of 40 years, INR 50 Lakh would be paid and the plan would be terminated.
  2. If he suffers from a terminal illness during the term of the policy, INR 50 Lakh would be paid and the plan would be terminated.
  3. The premium of INR 22,275 will be waived off for the remaining period if he suffers from unintended complete permanent disability, but the coverage will continue. If he dies afterward or suffers during the term from a terminal illness, INR 50 Lakh would be compensated and the plan would be terminated. However, if he survives the tenure of the scheme, no profit will be compensated upon maturity.

Extra Life Option

Under this option, coverage for serious conditions is also allowed, in addition to the coverage offered under the Extra Life Option. Thus, the package provides the following advantages of coverage-

1. Death Benefit 

In Death benefit a lump sum benefit is paid on death during the term.

2. Terminal Illness Benefit 

In Terminal illness benefit the death benefit is paid if the insured undergoes a terminal illness during the coverage tenure.

 3. Accidental Total Permanent Disability Benefit 

Accidental total permanent disability benefit waives off premiums  if the insured suffers from a total and permanent disability due to an accident. However, the plan continues till the end of the tenure.

4. Critical Illness Benefit

As many as 34 kinds of critical illnesses are protected by this plan. The premium charged under the policy will be waived off if you are diagnosed with any of the protected critical illnesses. However, the coverage will proceed undisturbed.

Here’s how it works –

Example – 

Name of the insuredMr. Rai
Age30 years
Term of the plan40 years
Premium payment term and frequency  Limited premium for 10 years payable yearly
Sum assured INR 50 Lakh
Premium amount for non-smoking male (including GST)INR 22,509

Benefits Payable 

  1. If Mr. Rai died during the tenure of 40 years, INR 50 Lakh would be paid and the plan would be terminated.
  2. If Mr. Rai  suffers from a terminal illness during the term of the policy, INR 50 Lakh would be paid and the plan would be terminated.
  3. The premium of INR 22,509 will be waived for the remaining term if he suffers from unintended complete permanent disability or a serious condition covered by the policy, but the coverage will continue. If he dies afterward or suffers during the term from a terminal illness, INR 50 Lakh would be compensated and the plan would be terminated. However, if he survives the tenure of the policy, no profit will be compensated upon maturity.

Income Option  

The Income Option, offers the following coverage benefits–

1. Death Benefit 

In the Income Option, ten percent of the Death Benefit will be paid to you as a lump sum upon the chance of a death. 

2. Terminal Illness Benefit 

Under this terminal illness benefit the death benefit is paid if the insured undergoes a terminal illness during the coverage tenure. Under this plan variant, about 34 terminal illnesses are covered.

3. Accidental Total Permanent Disability Benefit 

Premiums are waived if the insured suffers from a total and permanent disability due to an accident. The plan, however, continues till the end of the tenure.

4. Accidental Death Benefit

This benefit includes unintended fatalities during the tenure of the policy. An extra gain will be paid during the policy tenure in the event of death due to an accident.

Here’s how it works –

Example – 

Name of the insuredMr. Rai
Age30 years
Term of the plan40 years
Premium payment term and frequency  Limited premium for 10 years payable yearly
Sum assured INR 50 Lakh
Sum assured for the accidental death benefitINR 50 Lakh
Premium amount for non-smoking male (including GST)INR 29,017

Benefits Payable 

  1. If Mr. Rai was to die during his 40-year period, INR 50 Lakh would be charged and the plan would be terminated.
  2. If he died in an accident, the nominee will be paid INR 1 crore as a death compensation, and the plan will be cancelled.
  3. During the policy duration, if he suffers from a terminal illness, INR 50 Lakh will be compensated and the scheme will be terminated.
  4. The premium of INR 29,017 will be waived off for the remaining period if he suffers from unintended complete permanent disability, but the coverage will continue. If he dies afterward or suffers during the term from a terminal illness, INR 50 Lakh would be compensated and the plan would be terminated. However, if he survives the tenure of the policy, no profit will be compensated upon maturity.

What is not Covered?

The exclusion for this plan is the case of suicides. In the event of death due to suicide within a period of 12 months from the date of the policy or from the start of the risk, the nominee or benefactor of the policyholder shall be entitled to at least 80% of the cumulative premiums charged before the date of death or the surrender amount available as at the date of death, whichever is higher, if the policy is in effect, as the date of revival of the policy as appropriate.

Additionally, if death occurs due to some accident then deaths due to the following instances would not be covered:

  • Death occurring after 180 days from the date of accident.
  • Death due to self-inflicted injuries or suicides, irrespective of the mental condition.
  • Alcohol or intake of drugs.
  • War, rebellion, riots or any nuclear activity.
  • Undertaking a flying activity, if not a passenger.
  • Indulging in criminal acts of any nature.
  • Participating in risk-involved activities or adventure sports.

HDFC Life Click 2 Protect Plus Eligibility

Eligibility Criteria
Minimum Age At Entry18 year
Maximum Age At Entry65
Minimum Term For Policy

Life Option & Extra Life Option: 5 years

Income Option & Income Plus Option: 10 years

Maximum Term For Policy85 years from age of entry
Mode For Payment Of Premium
  • Single Pay
  • Regular Pay
  • Limited Pay: 5, 10, 15 years and policy term of less than 5 years
Frequency For Payment Of PremiumSingle, Annually, Half-yearly, Quarterly, Monthly 
Minimum Age At Maturity23 years
Maximum Age At Maturity

Life Option & Extra Life Option: 85 years

Income Option & Income Plus Option: 75 years

Minimum Basic Sum AssuredINR 25 Lakh
Maximum Basic Sum AssuredThere is no limit on maximum sum assured but is subjected to satisfactory underwriting.

HDFC Life Click 2 Protect Plus Claim Process

At HDFC Life, the need for a quicker, simpler and a hassle-free claim process is of utmost importance. Here is an overview of the respective claim processes for different types of claims under HDFC Life Click 2 Protect Plus plan:

Death Claims

  1. The nominee will have to inform about the death of the insured and initiate the process at first.
  2. The claim process can be done via online means, scanned QR code through WhatsApp or by visiting the branch.
  3. For the claim process, the nominee should fill up the claim form and submit it along with the required documents.
  4. Once all the formalities are fulfilled, the company would then verify the documents and send an acknowledgement letter on the registered address/contact number and the claim shall be settled at the earliest.

Documents Required For Death Claims

  • Claims form duly filled and signed by the nominee
  • Address proof and PAN card of the nominee
  • Original policy documents
  • Police records attested by police authorities
  • Death certificate containing the medical reason for death
  • Death certificate

Health Insurance claims

For health insurance claims, you could directly write to contact.hdfclife@paramounttpa.com

NRI claims

If you are an NRI currently living in Dubai, you could directly submit the required documents at the Dubai Representative Office. Alternatively, the claimant can also write to HDFC Life at service@hdfclife.com with the necessary documents.

HDFC Life Click 2 Protect Plus Riders

HDFC Life Click 2 Protect Plus offers two optional riders (modified from time to time) to help you enhance your protection. The details are as follows:

1. HDFC Life Accidental Disability Rider

This rider covers accidental disabilities. Under this rider, in the event of an accidental disability, 1% of rider sum shall be paid per month for the next ten years. However, no maturity benefit is covered under this rider.

2. HDFC Life Critical Illness Plus Rider 

A total of 19 critical illnesses are covered under this rider. If you are diagnosed with any of the covered illnesses and survive for a period of 30 days post diagnosis, a lump sum benefit would be paid and shall be equal to the rider sum assured. However, no maturity benefit is covered under this rider.

HDFC Life Click 2 Protect Plus Plan Review

HDFC Life Click 2 Protect Plus is a pure term product that offers premiums and a significant amount of life protection. The policy also includes additional provisions such as the option to expand coverage for occasions such as marriage and child birth, sudden death benefit of rider, the compensation as lump sum + monthly claim settlement. 

It is a comprehensive term insurance offering of HDFC Life Insurance which featured a claim settlement ratio of 99.07% in FY 2019-20. If you miss to pay the premium on time, then this plan offers you a grace period of 30 days for the same. The plan also offers a lump sum compensation during the policy period in the case of the insured's tragic death. The compensation for the unfortunate death can be obtained under such policy. 

HDFC Life Click 2 Protect Plus FAQs

  • 1. Does smoking affect term plan premium?

    Smokers will usually have to pay a higher premium when buying a term plan than those who don't smoke. The reasoning is clearly that smokers have a higher mortality rate than non-smokers. From one insurer to another, the extra premium to be paid varies. In addition to smoking behaviours, the insurer also takes into account different variables, such as age and fitness, during the premium calculation.

  • 2. Is suicide covered in HDFC Life Click 2 Protect Plus insurance?

    Suicides within 12 months of buying the policy or the revival of a lapsed policy shall not be covered. In such a case, the nominee shall be entitled to at least 80% of the total premiums paid till date or the surrender value, whichever is higher.

  • 3. Is there a maturity benefit in HDFC Life Click 2 Protect Plus?

    If the insurer survives till the end of the policy period, then no maturity benefit shall be paid.

  • 4. How can I change the nominee in my term insurance policy?

    You can easily change the name of the nominee by making a written request to HDFC Life. 

  • 5. What are the HDFC Life Click 2 Protect options available?

    HDFC Life Click 2 Protect Plus plan offers 4 coverage options. These are:

    • Life Option
    • Extra Life Option
    • Income Option
    • Income Plus Option
  • 6. Which Terminal illnesses are covered in HDFC Life Click 2 Protect Plus?

    There is no particular list of the illnesses that are covered under HDFC Life Click 2 Protect Plus policy. 

  • 7. What is the benefit of lump sum payout on accidental death in HDFC Life Click 2 Protect Plus?

    Under income plus option, an additional benefit equal to 0.5% of the sum assured shall be paid as a monthly income for the period of ten years.

  • 8. What period will I be covered for in HDFC Life Click 2 Protect Plus?

    Under the minimum term policy, a total of 5 years of life option and extra life option is covered. However, a period of 10 years is covered under all other options. Under the maximum policy term, period beginning from the age at which the policy is purchased till 85 years  of age is covered under the life option and extra life option. However, under all other options it is till 40 years of age from the date of entry into the plan. 

  • 9. How long do I pay premiums for HDFC Life Click 2 Protect Plus?

    There are 3 options by which the premiums can be paid. These are:

    • Regular pay: Under this option, the premium can be paid throughout the term of the policy.
    • Limited pay: Under this option, the premium could be paid in intervals of 5, 10 and 15 years or according to the period of your policy term (if less than 5 years).
    • Single pay: Under this option, the entire premium is paid at once only.
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