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HDFC Life Click 2 Protect Super
HDFC Life Click 2 Protect Super
UIN: 101N145V06A plan that provides you varying cover along with comprehensive protection as per your evolving needs.
Comprehensive protection as per your needs*
Flexibility to choose from multiple coverage options#
Life stage option to increase your cover on marriage or child birth##
1800-266-9777
(All Days, from 9am to 9pm, Toll Free)
Why HDFC Life Click 2 Protect Super?
A Non-Linked, Non Participating, Individual, Pure Risk Premium / Savings LIfe Insurance Plan
Get back all premiums paid on survival till maturity with Return of Premium1 option
Get additional amount payable in case of accidental death2 during policy term
Provides Acceleration of Death benefit3 on diagnosis of specified terminal illnesses, till age 80 years.
Option to choose increasing Death Benefit up to 200% under Life option
Option to vary your Death Benefit according to your need under Life Goal option
Avail Waiver of Premium on diagnosis of Critical Illness (through WOP CI4 option) and Total and Permanent Disability (through WOP Disability4 option)
Option to choose Additional Cover for Spouse1
Option to financially protect your parent (s) / grandparent (s) till their survival under Parent Secure Option5.
Get back all premiums paid on survival till maturity with Return of Premium1 option
Get additional amount payable in case of accidental death2 during policy term
Provides Acceleration of Death benefit3 on diagnosis of specified terminal illnesses, till age 80 years.
Option to choose increasing Death Benefit up to 200% under Life option
Option to vary your Death Benefit according to your need under Life Goal option
Avail Waiver of Premium on diagnosis of Critical Illness (through WOP CI4 option) and Total and Permanent Disability (through WOP Disability4 option)
Option to choose Additional Cover for Spouse1
Option to financially protect your parent (s) / grandparent (s) till their survival under Parent Secure Option5.
- Available under Life and Life Plus plan options, upon payment of additional premiums
- Available as inbuilt feature under Life Plus plan option
- Available as inbuilt feature under Life and Life Plus plan options
- Available for all plan options, upon payment of additional premiums
- Available only with Life plan option
- Available under Life and Life Plus plan options, upon payment of additional premiums
- Available as inbuilt feature under Life Plus plan option
- Available as inbuilt feature under Life and Life Plus plan options
- Available for all plan options, upon payment of additional premiums
- Available only with Life plan option
Flexibility at every stage.
Design your own plan with desired cover and benefits.
Select your core objective for buying an insurance cover
- Life Cover + Terminal Illness Cover + Accidental Death Cover
- Level/Increasing Life Cover + Terminal Illness Cover
- Decreasing Life Cover
Life Cover + Terminal Illness Cover + Accidental Death Cover
Life Plus Option
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Under this option, the life assured is covered for death benefit, which can be accelerated in the case of diagnosis of terminal illness.
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An additional amount will be payable in case of accidental death during policy term.
Death Benefit
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“Death Benefit” is payable as a lump sum if life assured dies during the policy term. It is the highest 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
Where,
a) Annualized Premium is the premium amount payable in a year chosen by the policyholder, excluding taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.
b) Total Premiums Paid are the total of all the premiums received, excluding any extra premium, any rider premium and taxes. Where additional options have been selected, Total Premiums Paid includes premium paid for base option as well as the premium paid for additional options selected.
c) Sum Assured on Death is the absolute amount of benefit which is guaranteed to become payable on death of the life assured in accordance with the terms and conditions of the policy or an absolute amount of benefit which is available to meet the health cover.
d) Basic Sum Assured is the amount of sum assured chosen by the policyholder.
e) Sum Assured on Maturity is the amount which is guaranteed to become payable on maturity of the policy, in accordance with the terms and conditions of the policy.
Terminal Illness Benefit
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Death benefit would be accelerated on diagnosis of specified terminal illnesses.
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In case of diagnosis of terminal illness at ages greater than 80 years, death benefit will not be accelerated.
Maturity Benefit
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On survival until Maturity, Sum Assured on Maturity will be payable
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Sum Assured on Maturity will be equal to 100 % of the Total Premiums Paid, if ROP option is selected, Nil otherwise.
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Upon payment of death or maturity benefit, the policy terminates and no further benefits are payable.
Check Eligibility Criteria
Before buying HDFC Life Click 2 Protect Super
ELIGIBILITY CRITERIA
Plan Option |
Life |
Life Plus |
Life Goal |
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Min. Age at Entry |
18 years |
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Max. Age at Entry |
84 years |
65 years |
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Min. Age at Maturity |
18 years |
23 years |
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Max. Age at Maturity |
85 years |
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Min. Policy Term |
Regular Pay: 2 years Limited Pay: 3 years |
SP: 5 years LP: 7 years |
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Max. Policy Term |
85 years – Age at Entry |
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Min. Basic Sum Assured |
INR 10,000 |
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Max. Basic Sum Assured |
For all other cases: There is no maximum limit. However, the acceptance of any case is subject to Board Approved Underwriting Policy (BAUP). |
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Premium Payment Term |
^ For age at entry greater than 65 years only SP will be allowed |
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All ages are expressed as on last birthday. For all ages, risk commences from the date of inception of the contract.
Term Insurance is incomplete without riders
Riders in insurance have an important part in contingency planning.
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HDFC Life Income Benefit on Accidental Disability Rider- Non Linked
UIN: 101B041V01
Get additional income benefits over and above your Sum Assured in the event of total permanent disability due to an accident.
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HDFC Life Protect Plus Rider – Non Linked
UIN: 101B040V01
Get protected with a proportion of Rider Sum Assured in case of accidental death or partial/total disability due to accident or diagnosed with Cancer.
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HDFC Life Health Plus Rider - Non Linked
UIN: 101B031V02
Get lump sum benefit equivalent to Rider Sum Assured on diagnosis of any of the covered 60 Critical Illnesses or benefit as a proportionate of the Rider Sum Assured on diagnosis of Early Stage Cancer / Major Cancer depending on the plan option chosen.
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Personal details
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* In-built Terminal Illness cover under Life & Life plus plan options. In-built Accidental Death cover under Life Plus option. Optional benefit of Waiver of Premium on Total and Permanent Disability or diagnosis of Critical Illness.
# There are three different coverage options available under the plan – Level (Life Option – Variant A), Increasing (Life Option – Variant B & C) or Decreasing (Life Goal Option)
## Life Assured should be less than 45 years of age during events.
ARN: PP/12/24/18945
