HDFC Life Insurance Company

Hdfc Click 2 Protect Super Plan

HDFC Life Insurance Company

99.39%
Claim Settlement Ratio

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

Eligibility

Features of the Product

01

Terminal Illness

  1. 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.

02

Zero Cost Option

  1. 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.

03

Total Permanent Disability Payout

  1. If the policyholder suffers from a total and permanent disability, all future premiums are waived while the life cover and other benefits continue.

04

Inflation Protection Coverage

  1. 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.

05

Premium Payment Customizations

  1. The policy allows multiple premium payment options, including single pay, regular pay, and limited pay, providing flexibility to suit different financial situations.

06

Life Goal Option

  1. Allows a flexible sum assured structure with an initial level cover followed by a reducing cover after a set period.

07

Return of Premium Option

  1. If chosen, 100% of total premiums paid are returned at maturity.

08

Waiver of Premium Options

  1. Premiums are waived in case of critical illness (CI) or total and permanent disability (TPD).

09

Spouse Cover Option

  1. The policy continues for the spouse after the death of the primary insured.

     

Exclusions

Add-ons

WOMEN

If you are a woman

  1. 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.

CIGARETTE

If you smoke

  1. An underwriting extra premium may be charged in case of Sub-standard lives and Smokers as per prevalent Underwriting policy.

     

Note :

  1. 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.

     

  2. 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.

  3. 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

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