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HDFC Life Click 2 Protect Plus
HDFC Life Click 2 Protect Plus builds upon the popular C2P plan, offering greater flexibility. HDFC Life Click 2 Protect Plus (C2P+) provides customizable death benefit payouts (lump sum, income, or both), increased coverage with Life Stage Protection, higher entry and maturity ages (up to 65 and 75 respectively), more flexible premium payment options, and a higher minimum sum assured. It retains affordability and tax benefits.
1 Crore Term Insurance@Rs.21/day***
To delay is to regret
You may not always be around to take care of your family. And that’s when a term plan ensures your family is well protected.
:1800-266-9777
HDFC Life Click 2 Protect Plus: A Comprehensive Review
HDFC Life Click 2 Protect (C2P) is a plan that enjoys goodwill of over 1.6 lakh customers who have benefited from this easy and affordable online term plan. Yet there is always room for more; HDFC Life has introduced a new product called HDFC Life Click 2 Protect Plus (C2P+) with additional features.
A ‘plus’ to your insurance plan
So what’s new in the HDFC Life C2P+ plan and what are the additional features available?
Let’s have a look:
Affordability:
While HDFC Life C2P is an affordable plan, HDFC Life C2P+ has retained this feature; you can get a life cover of Rs 1 crore for a mere Rs 535 per month* under HDFC Life C2P+.
Customisability:
HDFC Life C2P offers death benefit along with tax benefits****. HDFC Life C2P+ goes beyond the realm of mere online term life insurance plan and offers additional customisability. This means that one can opt from various options on how death benefit is provided to nominee in case of policy holder’s demise. These options are:
- Life Option: Nominee will receive a lump sum on death.
- Extra Life Option: Nominee receives a lump sum as well as an additional one-time payment in case of accidental death.
- Income Option: A part of the death benefit is paid out as a lump sum and the rest is paid to nominee in the form of a monthly income spread out over a period of 15 years.
- Income Plus Option: The entire death benefit due is paid to nominee and he also receive a monthly income equal to 0.5 per cent of the sum assured for the next 10 years. One can choose to receive a flat income or have a 10 per cent increase in income each year till income is due.
Life Stage Protection:
Life Stage Protection is a new addition to HDFC Life C2P+. Available under the life option of HDFC Life C2P+ for customers aged below 45, you can use this feature to increase your sum assured with every important milestone in your life. As an example, when you get married, you can increase the policy cover by 50% or maximum of Rs 50 lakhs; on the birth of your first child, you can further increase the cover by 25% or maximum of upto 25Lakhs and subsequently on the birth of the second child, you can do the same. After the age of 45, you have the opportunity to decrease your risk cover based on your family circumstances as well.
No Medicals:
If you are under 45 and a non-smoker, you are not required to have a medical test if the sum guaranteed is less than Rs 50 lakh; yet, medical tests may still be required depending on your medical history.
For greater flexibility over the course of your life in terms of sum assured and premium paid, HDFC Life C2P+ is the ideal option. It is a plan that adds more value to an already excellent HDFC Life C2P plan.
|
C2P |
C2P+ |
Minimum Entry Age |
18 years |
Remains the same |
Maximum Entry Age |
55 years |
Has been further increased to 65 years |
Maximum Maturity Age |
65 years |
With the 10 years added in the entry age, Maturity age has also been increased to 75 years |
Minimum Sum Assured: |
Rs 10,00,000 |
Keeping ever-increasing inflation as concern, we assure minimum sum of Rs 25,00,000 |
Maximum Sum Assured: |
Rs 10,00,00,000 |
Because your nominee should never adjust in life so there is no upper limit on sum assured |
Minimum Annualized Premium |
Rs 2000 |
When minimum sum assured is inc reased by 15,00,000, minimum annual premium is just Rs 3000 |
Policy Terms |
10/15/20/25/30 years |
Protection should be provided for a longer period. Hence range for policy term is 10 to 40 years (subject to meeting the maximum maturity age) |
Premium Paying Options |
Regular Pay Only |
In C2P+, you have multiple premium paying options: Regular pay- you pay premiums throughout the chosen policy term OR Limited pay- you pay premiums for your chosen policy term less 5 years OR Single pay – you pay premium once |
Premium Paying Frequency |
Annual only |
We understand your financial concerns and hence you can pay on multiple frequencies - Single, annual, half-yearly, quarterly and monthly** |
Tax Benefit Under 80C |
Yes |
Yes |
Tax Exemption on Benefits Received under 10 (10D) |
Yes |
Yes |
Life Option |
pays lump sum on death |
pays lump sum on death |
Extra Life Option |
N.A. |
Not just death benefit but additional accidental death benefit |
Income Option |
N.A. |
Handles money for your nominee. 10% of Death benefit is paid on death and the remaining 90% is paid as monthly income(0.5% of Death Benefit) for 15 years |
Income Plus Option |
N.A. |
Nominee might need money in both forms - lumpsum and monthly payouts for routine expenses. 100% of Sum Assured is paid on death and a monthly income equal to 0.5% of Sum Assured becomes payable for a period of 10 years. The monthly income can be level or increasing at 10% p.a. as chosen by the policyholder.. |
Life Stage Protection |
N.A. |
Flexible coverage based on special events in your life. Increase your Insurance CoverMarriage, Birth of 1st child and/or 2nd child*** |
***Events# |
Additional Sum Assured Subject to maximum (percentage of Sum Assured) |
Additional Sum Assured |
Marriage |
50% |
Rs. 50,00,000 |
Birth of 1st child |
25% |
Rs. 25,00,000 |
Birth of 2nd child |
25% |
Rs. 25,00,000 |
*Premium amount for Regular Pay, Male, non smoker, 25 years of age, 30 year policy term & under Income Option, exclusive of taxes.
**Subject to our prevailing operational rules, it may be required for Monthly Frequency to be taken with ECS/SI and to pay first 3 months premium in advance
****Tax benefits are subject to changes in tax laws
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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.
Written By:
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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HDFC Life
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HDFC LIFE IS A TRUSTED LIFE INSURANCE PARTNER
We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance plans - protection, pension, savings, investment, annuity and health.
^ Available under Life & Life Plus plan options
#Provided we have received all the relevant and required documents and no further investigation is required. Claim settlement process would be completed within stipulated timelines once the claim request is approved
##Individual claim settlement ratio by number of policies as per audited annual statistics for FY 23-24
***Online Premium for Life Option for HDFC Life Click 2 Protect Super (UIN: 101N145V07), Male Life Assured, Non-Smoker, 20 years of age, Policy term of 25 years, Regular pay, Annual frequency, exclusive of taxes and levies as applicable. (Monthly Premium of 622/30=20.7).
**7% online discount available on 1st year premium only
@As per integrated annual report FY23-24, available on www.hdfclife.com. As of May 2024
~Tax benefits of ₹ 54,600 (₹ 46,800 u/s 80C & ₹ 7,800 u/s 80D) is calculated at highest tax slab rate of 30% on life insurance premium u/s 80C of ₹ 1,50,000 and health premium (Critical illness rider) u/s 80D of ₹ 25,000. Tax benefits are subject to conditions under section 80C, 80D, 10(10D) as per Income Tax Act, 1961. Please consult your tax advisor for more information.
