Hdfc Life Click To Protect Super Plan
HDFC Life Insurance Company
Our Verdict
HDFC Life Click 2 Protect Super Elite is best for those seeking pure term insurance with high coverage and refund flexibility. The Smart Exit Benefit is attractive, but additional riders can raise overall premiums.
About the Plan
HDFC Life Click 2 Protect Elite is a pure risk term insurance plan offering financial security for your family. It provides a lump sum death benefit to the nominee in case of the policyholder’s demise. The plan includes a Smart Exit Benefit, allowing policyholders to receive all premiums paid if they exit after a specified period. For example, a 30-year-old with a ₹2 crore sum assured pays ₹37,614 annually, ensuring comprehensive protection and flexibility throughout the policy term.
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
• Minimum Sum Assured :
₹50,000
• Maximum Sum Assured :
No limit (subject to underwriting)
Eligibility
Features of the Product
Terminal Illness
If the policyholder is diagnosed with a terminal illness, the death benefit is accelerated, providing financial support during critical times.
This benefit ensures that funds are available when needed the most, rather than waiting until the policyholder's demise.
Zero Cost Option
The Smart Exit Benefit allows policyholders to receive a refund of all premiums paid if they opt to exit the policy after a specified duration.
This feature ensures financial flexibility and helps in cases where policyholders no longer require coverage.
Total Permanent Disability Payout
In case of total and permanent disability due to an accident, all future premiums are waived.
The life cover and additional benefits continue without any financial burden on the policyholder.
Inflation Protection Coverage
The policy offers an increasing sum assured option to help policyholders keep up with rising living costs.
This ensures that the coverage remains relevant and sufficient over time.
Premium Payment Customizations
The plan offers Limited Pay options, including 10-Pay and 15-Pay, allowing policyholders to complete their premium payments early while staying covered for a longer term.
Option to change the premium payment frequency for added convenience.
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 - The HDFC Life Protect Plus Rider provides an additional payout in case of accidental death.
This benefit ensures enhanced financial security for the policyholder’s family.
Critical Illness - HDFC Life Critical Illness Plus Rider: Pays a lump sum upon diagnosis of any of 19 covered critical illnesses.
HDFC Life Health Plus Rider: Covers 60 critical illnesses, offering lump sum payouts or staged benefits for early-stage and major conditions.
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 policy revival, the nominee or beneficiary will receive at least 80% of the total premiums paid up to the date of death or the available surrender value, whichever is higher, provided the policy is active.
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 not satisfied, the policy can be returned for a refund of the premium paid, minus proportionate risk premium for the period on cover, expenses incurred on medical examination (if any), and stamp duty charges.
Grace Period: A grace period of 15 days is provided for monthly premium payment mode, and 30 days for other modes, from the premium due date. During this period, the policy remains in force, and benefits are payable.
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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.