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RESUME APPLICATION PAY PREMIUM

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Why Click 2 Protect Optima Secure?

  • Provides comprehensive financial protection to your family

  • Option to choose a health cover which fits your needs from 4 plan options

    -Secure Benefit : Offers additional coverage amount equivalent to 100%/200% of the Base Sum Insured.

    -Plus Benefit : Offers additional coverage equivalent to 100% of the Base Sum Insured in 2 years irrespective of a claim.

    -Automatic Restore Benefits : Restores 100% of Base Sum Insured automatically on partial or complete utilization of Sum Insured (i.e. Base Sum Insured, Secure Benefit and Plus Benefit / Cumulative Bonus).

    -Protect Benefit : Pays towards the Non-Medical expenses like gloves, food charges and other consumables during hospitalization.

  • Tax Benefits are available2

  • Provides comprehensive financial protection to your family

  • Option to choose a health cover which fits your needs from 4 plan options

    -Secure Benefit : Offers additional coverage amount equivalent to 100%/200% of the Base Sum Insured.

    -Plus Benefit : Offers additional coverage equivalent to 100% of the Base Sum Insured in 2 years irrespective of a claim.

    -Automatic Restore Benefits : Restores 100% of Base Sum Insured automatically on partial or complete utilization of Sum Insured (i.e. Base Sum Insured, Secure Benefit and Plus Benefit / Cumulative Bonus).

    -Protect Benefit : Pays towards the Non-Medical expenses like gloves, food charges and other consumables during hospitalization.

  • Tax Benefits are available2

Right combination of protection and health

Your health benefits are given; you also get to choose your desired protection benefits

Health and Protection benefits in one plan

  • Protection Benefits
  • Health Benefits

Protection Benefits

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Protection Benefits

  • Provides comprehensive financial protection to your family 

  • Option to choose a cover which fits your needs from 3 plan options

  • Auto balances Death and Critical Illness benefits with increasing age^

  • Get income payouts from age 60 onwards under Income Plus Option

  • Option to avail cover for Whole of Life*

  • Get back all premiums paid on survival till maturity with Return of Premium option**

  • Disclaimer:

    ^Available under Life & CI Rebalance Option only 

    *Available under Life Protect and Income Plus Options only 

    **Available as an inbuilt feature under Income Plus Option and on payment of extra premium under Life Protect Option (Fixed Term variant) and Life & CI Rebalance Option.

Heart-Icon Additional Features

  • Waiver of Premium on diagnosis of Critical Illness (through WOP CI option) #

  • Additional Sum Assured on Accidental Death (through ADB option) ##

  • Special premium rates for female lives and non-tobacco users

  • Disclaimer:

    # WoP on diagnosis of CI is available as in inbuilt feature under Life & CI Rebalance Option and on payment of extra premium under Life Protect Option (Fixed Term variant).

    ## ADB option is available on payment of extra premium under Life Protect Option.

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Maturity Benefit

  • Life & CI Rebalance & Life Protect:

    On survival until Maturity, Sum Assured on Maturity will be payable.

    Sum Assured on Maturity will be equal to the Total Premiums Paid if ROP benefit is selected, Nil otherwise.

    Upon the payment of death or maturity benefit as above, the policy terminates and no further benefits are payable.

  • Income Plus:

    For Fixed Term:

    On Survival until Maturity, Sum Assured on Maturity will be payable.

    Sum Assured on Maturity will be equal to Max (110% of Total Premiums Paid less total Survival Benefits paid out, 0)

    For Whole Life: NIL

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Death Benefit

  • Life & CI Rebalance:

    “Death Benefit” is payable as a lump sum to your Nominee if you, the Life Assured die during the policy term. It is the highest of:

    • Sum Assured on Death

    • 105% of Total Premiums Paid

    • Life Cover SA

    Sum Assured on Death for Single Pay (SP) is the higher of:

    • 125% of Single Premium

    • Sum Assured on Maturity

    Sum Assured on Death for other than Single Pay (Limited Pay and Regular Pay) is the higher of:

    • 10 times of the Annualized Premium

    • Sum Assured on Maturity

  • Life Protect & Income Plus:

    “Death Benefit” is payable as a lump sum to your Nominee if you, the Life Assured die during the policy term. It is the higher of:

    • Sum Assured on Death

    • 105% of Total Premiums Paid

    Sum Assured on Death for Single Pay (SP) is the highest of:

    • 125% of Single Premium

    • Sum Assured on Maturity

    • Basic Sum Assured

    Sum Assured on Death for other than Single Pay (Limited Pay and Regular Pay) is the highest of:

    • 10 times of the Annualized Premium

    • Sum Assured on Maturity

    • Basic Sum Assured

Talk to an Advisor

Check Out The Eligibility Conditions

Before buying Click 2 Protect Optima Secure

ELIGIBILITY CRITERIA

Protection
 

Plan Option

Life & CI Rebalance

Life Protect

Income Plus

Fixed Term

Whole Life

Fixed Term

Whole Life

Min. Age at Entry

18 years

18 years

45 years

30 years

45 years

Max. Age at Entry

65 years

65 years for non-PoS 60 years for PoS

65 years

50 years

10 Pay: 50 years 

Single Pay,

5 Pay: 55 years

Min. Age at Maturity

28 years

18 years for non-PoS 23 years for PoS

Whole of Life

70 years

Whole of Life

Max. Age at Maturity

75 years

85 years for non-PoS 65 years for PoS

Whole of Life

85 years

Whole of Life

 

Min. Policy Term

 

10 years

Single Pay:

1 month for non-PoS

5 years for PoS

Regular Pay: 5 years

Limited Pay: 6 years

 

Whole of Life

 

70 years – Age at Entry

 

Whole of Life

 

Max. Policy Term

 

30 years

85 years – Age at Entry for non-PoS

65 years – Age at Entry

for PoS

 

Whole of Life

 

40 years

 

Whole of Life

Premium Payment Term

Single Pay, Regular Pay, Limited Pay

(5 to any PPT less than PT)

Limited Pay (5, 10, 15 pay)

Single Pay, Limited Pay (5, 10 pay)

Min. Basic Sum Assured

₹ 20,00,000

₹ 50,000

Max. Basic Sum Assured

No limit, subject to Board Approved Underwriting Policy (BAUP)

*PoS applicable only for Fixed Term option of Life Protect variant; For PoS, the Basic Sum Assured shall be in multiples of ₹50,000. Only Return of Premiums (ROP) & Accidental Death Benefit (ADB) options available; No other optional benefit or rider applicable for PoS.

 Health
 
  • This Policy covers Insured Persons in the age group 91 days to 65 years.
  • The minimum entry age for an adult is 18 years and maximum entry age is 65 years.
  • The minimum entry age for a dependent child (i.e. natural or legally adopted) is 91 days and maximum entry age is 25 years.
  • Dependent Child between 91 days and 5 years can be insured provided either of the parent is getting insured under this Policy.
  • Dependent Child between 5 to 25 years can be insured on individual basis wherein proposer may not be an insured.
  • When the child attains the age of 25 years, he or she shall be ineligible for coverage in the subsequent renewals and will be migrated to a new Policy, with continuity benefits.
  • There is no maximum cover ceasing age on renewals.
  • The family includes following relationships: spouse, dependent children, parents and parents-in-law.
  • In a family floater Policy, a maximum of 4 adults and a maximum of 6 dependent children can be included in a single Policy. The 4 adults can be a combination of self, spouse, parents and parents- in-law.
  • In an individual Policy, a maximum of 6 adults and a maximum of 6 dependent children can be included in a single Policy.
  • List of relationships which can be included is mentioned below:

i. Spouse

ii. Son

iii. Daughter

iv. Father

v. Mother

vi. Father-in-law

vii. Mother in-law

viii. Daughter-in-law

ix. Son-in-Law

x. Grandfather

xi. Grandmother

xii. Grandson

xiii. Granddaughter

xiv. Brother

xv. Sister

xvi. Sister-in-law

xvii. Brother-in-law

xviii. Nephew

xix. Niece

 

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Advisor right away

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We help you to choose best insurance plan based on your needs

MEDIA COVERAGE

Disclaimer

HDFC ERGO General Insurance Company Limited. CIN: U66030MH2007PLC177117. IRDAI Reg. No.146. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Email id: [email protected], Customer Care: 0120 6234 6234 / 022 6234 6234. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. www.hdfcergo.com.

Click 2 Protect  Optima-Secure (UIN: 101Y122V03) is a Combi Product with both protection and health benefits. The product is jointly offered by HDFC Life Insurance Company Limited (HDFC Life) and HDFC Ergo General Insurance Company Limited (HDFC Ergo). The risks of this product are distinct and are accepted by respective Companies. Kindly familiarize yourself with the terms and conditions, policy benefits and policy service structure of the ‘Combi Product’ before deciding to purchase the policy. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale.

T&C

  1. For Policies purchased through online channel, a discount of 5.5% on premiums paid towards both Life & Health will be offered as compared to the individual policy purchased under Life & Health. For Policies purchased through other than online channel, a discount of 5% on premiums paid towards Life & Health will be offered as compared to the individual policy purchased under Life & Health. At any time during the validity of the policy, the Customer decides to opt out of the insurance coverage of one of the Insurer, the discount, if any, being offered to such Customer under the Combi-Product(s) shall not be available to the Customer going forward.
  2. As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.

ARN: PP/03/24/9981