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Click 2 Protect 3D Plus - Buy Term Life Insurance Policy

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February 11, 2020

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You dream of getting your kids the best education. You dream of providing the best comfort to your family. You wish to be around to take care of your ageing parents. They all count on you to help fulfill their dreams as well. You hope for the best, but you still have to plan for the nasty surprises that life can sometimes throw at you. What would happen if you are not around, will your family be still able to afford the same lifestyle? While the emotional hit would be hard to handle, you can ensure that they do not have to worry about the finances.

HDFC Life Click 2 Protect 3D Plus

The best way to prepare for life's uncertainties is through an insurance policy. HDFC Life Click 2 Protect 3D Plus term insurance plan is among the most comprehensive plans available in India. Choose from one of the nine plan options, and fulfill your specific insurance need. You can also opt for riders to further enhance the coverage for your particular need. For example, you can choose an additional cover for critical illness or permanent disability to go along with the life cover offered by HDFC Life Click 2 Protect 3D Plus.

Primary benefits

With HDFC Life Click 2 Protect 3D Plus term insurance plan you get:

  1. Financial protection for your family and you at a reasonable premium
  2. Nine plan options that allow you to customize the coverage to meet your specific requirements
  3. In the unfortunate incidence of an accidental total permanent disability, all the future premiums will be waived off
  4. If you opt for a 3D Life or 3D Life Long Protection cover, all future premiums will be waived off on diagnosis of a listed critical illness
  5. You can opt for lifelong protection to be insured for the whole of your life, rather than for a fixed term
  6. Flexibility in premium payment terms allowing you to choose between annual, semi-annual, quarterly, or monthly payment cycles. You can also choose to pay the complete premium upfront and never worry about renewal.

  7. Life Stage Protection:

    Your insurance needs change with time. For example, the amount of insurance you need when you are unmarried is very different from the amount you need when you are married and have a child. Your insurance policy should also evolve to meet your evolving needs. The HDFC Life Click 2 Protect 3D Plus Life Stage Protection feature ensures that you have adequate cover through all the life stages. With this, your insurance cover automatically increases when you reach predefined milestones in your lifes journey. You do not even need to undergo any additional medical check-ups for the increased coverage.

  8. Top-up covers:

    Despite your best estimates, it may so happen that you need to expand your term insurance coverage  to meet your evolving needs. For example, you may end up taking a much higher home loan than you have previously planned for. Now, you need a higher coverage to ensure that this liability does not become a burden on your family in the worst-case scenario. Worry not, you could easily get additional coverage through top-up cover options offered by HDFC Life.
  9. We have observed that life insurance penetration is much lower among the women in India compared to the men. To encourage more women to get a life cover, HDFC Life offers special premium rates for female policyholders.

Enjoy tax benefits as per prevailing tax laws.

Comprehensive options to meet all your needs

No single insurance plan can meet the requirements of all individual policyholders. That is why HDFC Life Click 2 Protect 3D Plus offers nine different options and allows you to choose the one that addresses your particular needs the best. These options include:

  1. Life Option

    2. This option pays out a lump-sum benefit to your nominee, in case of diagnosis of a terminal illness or death. Further, in case of accidental total permanent disability, all the future premiums would be waived off.

  2. 3D Life Option

    3. In addition to the benefits under Life Option, 3D Life waives all future premiums off in case the insured is diagnosed with any of the specified critical illnesses.

  3. Extra Life Option

    4. In addition to the cover provided by the Life Option, Extra Life Option pays out an additional Extra Life sum assured in case of the accidental death of the insured. At the time of purchase, you can choose different amounts for sum assured and Extra Life sum assured.

  4. Income Option

    5. While a lump sum benefit can go a long way in supporting your family, it requires someone with enough financial acumen to turn it into a regular income. With the Income Option, you can be assured that your family would receive a regular income even after your demise along with a lump sum death benefit.

  5. Extra Life Income Option

    6. In addition to benefits under Income Option. Extra Life Income Option provides additional lump sum and regular income benefits in case the insured dies in an accident.

  6. Income Replacement Option

    7. This option pays out a regular income for the duration of the term in case the insured is diagnosed with a terminal illness. The nominee would receive 12 times the applicable monthly income as a lump sum and a monthly income for the rest of the term. Further, all future premiums are waived off under this option if the policyholder suffers a total permanent disability.

  7. Return of Premium Option

    8. Along with the benefits offered under the Life Option, the return of premium option returns all the premiums collected in case you survive the term of the insurance.

  8. Life Long Protection Option

    9. As the name suggests, this is the same as Life Option but provides protection for your entire life.

  9. 3D Life Long Protection Option

This option offers the same benefits as 3D Life Option, but for your entire life instead of a fixed term.

How Life Stage Protection works

One of the most attractive features of HDFC Life Click 2 Protect 3D Plus is Life Stage Protection. If you opt for this feature, your basic Sum Assured would increase when the following events happen before you reach the age of 45 years:

  • 1st Marriage: 50% of Sum Assured up to a maximum of ‚¹50 lakh
  • Birth of 1st child: 25% of Sum Assured up to a maximum of ‚¹25 lakh
  • Birth of 2nd child: 25% of Sum Assured up to a maximum of ‚¹25 lakh

An additional premium will be charged to revise the sum assured. The option for the increase has to be exercised within six months of the event's occurrence.

If you have not yet zeroed down on a life insurance policy, wait no more! Click to know more on HDFC Life online term insurance plan

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Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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