HDFC Life Click 2 Protect Super
HDFC Life Insurance Company
Our Verdict
HDFC Life Click 2 Protect Super is suited for individuals seeking customizable term insurance with extended coverage, return of premium, and accidental death benefits. Though comprehensive, additional riders may raise overall costs.
About the Plan
HDFC Life Click 2 Protect Super is a flexible term insurance plan ensuring financial security for your family. It offers multiple coverage options, including Return of Premium, accidental death benefit, and terminal illness coverage up to age 80. The Renewability Option at Maturity allows extended coverage, while special premium rates apply for women and non-tobacco users. The plan also provides tax benefits, making it a comprehensive and adaptable solution for long-term financial protection.
About the Plan
Eligibility
• Minimum Entry Age :
18 Years
• Maximum Entry Age :
65 Years
• Minimum Policy term :
5 Years
• Maximum Policy term :
85 years minus age at entry
• Premium Payment Term :
Options include Single Pay, Limited Pay, and Regular Pay
Eligibility
Features of the Product
Terminal Illness
If the policyholder is diagnosed with a terminal illness before the age of 80, the death benefit is accelerated, allowing early access to funds for medical or personal needs. The maximum sum assured payable under this benefit is ₹2 crore.
Zero Cost Option
This feature allows policyholders to exit the policy at a specific point in time and receive a refund of all premiums paid, ensuring financial flexibility.
Total Permanent Disability Payout
If the policyholder suffers from a total and permanent disability, all future premiums are waived while the life cover and other benefits continue.
Inflation Protection Coverage
The plan offers an increasing sum assured option, where the death benefit can rise up to 200% over the policy term to keep up with inflation.
Premium Payment Customizations
The policy allows multiple premium payment options, including single pay, regular pay, and limited pay, providing flexibility to suit different financial situations.
Life Goal Option
Allows a flexible sum assured structure with an initial level cover followed by a reducing cover after a set period.
Return of Premium Option
If chosen, 100% of total premiums paid are returned at maturity.
Waiver of Premium Options
Premiums are waived in case of critical illness (CI) or total and permanent disability (TPD).
Spouse Cover Option
The policy continues for the spouse after the death of the primary insured.
Exclusions
Pre-existing conditions diagnosed within 36 months before policy issuance or reinstatement.
Participation in hazardous sports (e.g., bungee jumping, racing, mountaineering).
Traveling in an aircraft other than as a fare-paying passenger on a licensed airline.
Self-inflicted injuries, suicide, or attempted suicide.
Death due to substance abuse, including drugs or alcohol.
Death occurring due to participation in military/naval operations during peacetime.
Death caused by war, civil unrest, terrorism, or riots.
Death due to engagement in criminal or illegal activities.
Exposure to nuclear, biological, or chemical contamination.
Pre-existing diseases diagnosed within 36 months before the risk commencement date.
Disability caused by alcoholism, drug use, or addiction.
Intentional self-injury, suicide, or attempted suicide.
Disability resulting from war, military operations, or foreign invasions.
Disability due to exposure to nuclear, biological, or chemical hazards.
Disability caused by elective surgeries (e.g., cosmetic surgery, obesity treatment).
Any illness not listed as a covered critical illness.
Pre-existing diseases diagnosed within 36 months before risk commencement or reinstatement.
Critical illnesses resulting from alcohol or drug abuse.
Critical illnesses caused by war, military operations, or nuclear exposure.
Congenital conditions and inherited disorders.
Critical illnesses arising from professional hazardous sports participation.
A 90-day waiting period applies from the policy risk commencement or revival date. If the insured event occurs within this period, no benefit will be paid.
Waiting period does not apply to claims resulting from an accident
Exclusions
Accidental Death - Under the Life Plus option, an additional sum assured is payable in case of accidental death during the policy term.
Critical Illness - If selected, the Waiver of Premium (WOP CI) option ensures that all future premiums are waived upon diagnosis of a covered critical illness, while the life cover continues.
Add-ons
If you are a woman
Women enjoy preferential premium rates, making life insurance more affordable compared to male policyholders.
The plan ensures comprehensive coverage tailored to evolving life stages and responsibilities.
Various coverage options are available, including increasing life cover and waiver of premium benefits.
Premiums paid are eligible for tax deductions under applicable laws.
If you smoke
An underwriting extra premium may be charged in case of Sub-standard lives and Smokers as per prevalent Underwriting policy.
Note :
Suicide Clause : If the life assured dies by suicide within 12 months from the risk commencement date or the date of revival of the policy, the policy terminates. In such cases, the company will refund 80% of the total premiums paid till the date of death, provided the policy is in force.
Free look up period: Policyholders have 15 days (30 days if the policy is sourced through distance marketing) from the date of receipt of the policy document to review the terms and conditions. If unsatisfied, they can return the policy, stating reasons. The company will refund the premiums paid after deducting proportionate risk premium for the period of cover, medical examination expenses, and stamp duty charges.
Grace Period: 15 days for monthly premium payment mode.
30 days for other premium payment modes.
During this period, the policy remains in force, and benefits are payable as per the policy terms.
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About the Company
HDFC Life Insurance is one of India’s most trusted private life insurance companies, established in 2000 as a partnership between HDFC Ltd. and Abrdn (formerly Standard Life Aberdeen). Headquartered in Mumbai, it offers a wide variety of insurance products, including term plans, retirement solutions, child education plans, savings and investment plans, health insurance, and ULIPs (Unit Linked Insurance Plans). HDFC Life’s plans provide both financial protection and wealth-building opportunities, helping individuals and families secure their future. Known for its high claim settlement ratio and digital-first services, the company focuses on simplicity, flexibility, and affordability.