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How HDFC Life Click 2 Achieve works to your advantage?

How HDFC Life Click 2 Achieve works to your advantage?

  • Enjoy a Guaranteed1 Immediate Income with the freedom to select the duration of your choice according to specific requirements.

  • Tailor your plan with customizable options for lump sum, periodic income, or money-back features.

  • Choose the desired Death Benefit Multiple that suits your preferences.

  • Decide the amount of income you wish to receive, perfectly tailored to your needs.

  • Opt for a Guaranteed1 income that remains consistent throughout the income period or escalates.

  • Provide peace of mind concerning your child's future, with a built-in premium waiver in case of occurrences like death, critical illness, and total permanent disability.

  • Acknowledge and reward exceptional achievements with the Outstanding Achievement Award.

  • Enjoy a Guaranteed1 Immediate Income with the freedom to select the duration of your choice according to specific requirements.

  • Tailor your plan with customizable options for lump sum, periodic income, or money-back features.

  • Choose the desired Death Benefit Multiple that suits your preferences.

  • Decide the amount of income you wish to receive, perfectly tailored to your needs.

  • Opt for a Guaranteed1 income that remains consistent throughout the income period or escalates.

  • Provide peace of mind concerning your child's future, with a built-in premium waiver in case of occurrences like death, critical illness, and total permanent disability.

  • Acknowledge and reward exceptional achievements with the Outstanding Achievement Award.

How HDFC Life Click 2 Achieve works to your advantage?

Your benefits can vary based on the Plan Option

You can choose any of the two options at inception. Plan option once selected shall remain the same for the duration of the policy:

  • Dream Achiever
  • Smart Student

Dream Achiever

It offers versatile and comprehensive saving solution, meticulously crafted to effortlessly align with your financial aspirations.

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Death Benefit:

  • In case of death of Life Assured during the policy term, the death benefit shall be payable to the nominee.

  • Death Benefit is highest of:

    • Sum Assured on Death

    • 105% of Total Premiums Paid

    • Surrender Value on date of death

    Where, Sum Assured on Death shall be minimum of 5 times Annualized Premium.

    Upon the payment of the death benefit, the policy terminates and no further benefits are payable

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Survival Benefit:

  • The amount of survival benefit in each year of benefit payment will be as chosen by the policyholder at inception.

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Maturity Benefit:

  • On Maturity, Sum Assured on Maturity shall be payable, as chosen by the policyholder at policy inception. Additionally, the policyholder can choose to receive an income benefit for the duration of income term, which starts on policy maturity date. The income term and amount of income benefit in each year of benefit payment will be as chosen by the policyholder at inception.

    On death of the policyholder during the Income Term, the nominee/beneficiary would continue receiving the income benefit till the end of income term

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Flexibility to choose inbuilt benefits under this option: To avail below options, additional premium shall be payable.

  • Waiver of Premium on Death (WOP Death)

    If this is selected, all future premiums payable under the plan will be waived, on death of the proposer. The contract shall continue and all benefits shall be available as applicable under the policy. 

    WOP Death can be chosen only at policy inception. Once chosen this cannot be opted out of.

  • Waiver of Premium on CI (WOP CI)

    If this is selected, all future premiums payable under the plan will be waived, if the proposer is diagnosed with any of the covered critical illnesses. The contract shall continue and all benefits shall be available as applicable under the policy

    WOP CI can be chosen only at policy inception. Once chosen this cannot be opted out of.

  • Waiver of Premium on Total and Permanent Disability (WOP TPD)

    If this is selected, all future premiums payable under the plan will be waived, in case of occurrence of total and permanent disability of the proposer. The contract shall continue and all benefits shall be available as applicable under the policy.

    WOP TPD can be chosen only at policy inception. Once chosen this cannot be opted out of.

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Check Eligibility Criteria

Before buying HDFC Life Click 2 Achieve Plan.

ELIGIBILITY CRITERIA

HDFC Life Click 2 Achieve – Smart Student Option

Eligibility Criteria

Minimum

Maximum

Age at Entry1 (Years)

0 (30 days)

13

Age at Maturity (Years)

19

23

Premium Payment Term (Years)

5

12

Policy Term (Years)

10

23 – Non POS

20 - POS

Survival Benefit Term

3/4/5 years

Survival Benefit Start Age (Life Assured)

16 or 18 years

Minimum Sum Assured on Death

Rs. 50,000/-

Maximum Sum Assured on Death

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

Rs 25,00,000 (POS)

Maximum Instalment Premium

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

As per maximum Sum Assured (POS)

General definitions of terms used: 

  • Total Premiums Paid: Total Premiums Paid means total of all the premiums paid under the base product, excluding any extra premium and taxes, if collected explicitly.
  • Annualized Premium: Annualized Premium shall be the premium amount payable in a year excluding taxes, rider premiums, underwriting extra premiums and loadings for modal premiums.
  • Sum Assured on Death: 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.
  • Sum Assured on Maturity: The amount which is guaranteed to become payable on maturity of the policy, in accordance with the terms and conditions of the policy
     

HDFC Life Click 2 Achieve – Dream Achiever Option

Eligibility Criteria

Minimum

Maximum

Age at Entry (Years)

01 (30 days)

65

Age at Maturity (Years)

18

99

Premium Payment Term

(Years)

5

35

Policy Term (Years)

5

40

Minimum Sum Assured on Death

Rs. 50,000/-

Maximum Sum Assured on Death

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

Minimum Instalment Premium

As per minimum Sum Assured on Death

Maximum Instalment Premium

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

Riders

HDFC Life Income Benefit on Accidental Disability Rider – Non Linked (101B041V01)

HDFC Life Critical Illness Plus Rider (101B014V02)

HDFC Life Protect Plus Rider – Non Linked (101B040V01)

 

1. Risk cover starts from date of commencement of policy and the policy will vest on the Life Assured on attainment of age 18 years
All ages mentioned above are age last birthday.
The minimum premium amounts are exclusive of taxes and levies as applicable.

Customise your cover with these riders

Riders in insurance have an important part in contingency planning. Top up your Saving Plan with them.
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    HDFC Life Waiver of Premium Rider – Non Linked

    UIN: 101B032V02

    Get Waiver of Premium for the base policy premium and premiums of any other additional riders, in case of death, disability or diagnosis of any listed critical illnesses of the Rider Life Assured. Enjoy continued policy benefits even in case of life's eventualities.

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Disclaimer

1. Provided all due premiums have been paid and the policy in force

2. Flexibility to choose Death Benefit, Premium Payment Term, Policy Term, Benefit Structure as per structure chosen by customer

3. 1 to 10% Simple Interest per annum, depending upon the increasing income percentage chosen. Applicable for Early income and income structure

ARN- PP/09/24/15934