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HDFC Life Click 2 Protect Elite
HDFC Life Click 2 Protect Elite
UIN: 101N176V02A plan that provides benefits and helps you and your family stay truly protected.
Pay for a limited time and get covered for longer
Get back all premiums paid with Smart Exit Benefit1
1800-266-9777
(All Days, from 9am to 9pm, Toll Free)
Why HDFC Life Click 2 Protect Elite?
A Non-Linked, Non-Participating, Individual, Pure Risk Premium Life Insurance Plan
- Get back all premiums paid in times of financial need1
- Pay for a limited time and get covered for longer
1. Available with Smart Exit Benefit - This can be exercised in any policy year greater than 30, but not during the last 5 policy years
The settlement of Claim would be subject to declaration of all pre-existing medical conditions at the time of policy purchase and in accordance to applicable terms and conditions of policy contract.
Your Plan. Your Benefits
- Click 2 Protect Elite
Click 2 Protect Elite
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:
- Basic Sum Assured; or
- 10 times the Annualized Premium; or
- 105% of Total Premiums Paid
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.
c) Basic Sum Assured is the amount of sum assured chosen by the policyholder.
Maturity Benefit
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No benefit is payable on survival till end of policy term.
Check Eligibility Criteria
Before buying HDFC life Click 2 Protect Elite
ELIGIBILITY CRITERIA
Min. Age at Entry |
18 years |
Max. Age at Entry |
45 years |
Min. Age at Maturity |
33 years |
Max. Age at Maturity |
75 years |
Min. Policy Term |
For 10-Pay: 15 Years For 15-Pay: 20 Years |
Max. Policy Term |
40 years, subject to Maturity Age |
Premium Payment Term |
Limited Pay: 10-Pay and 15-Pay only |
Min. Basic Sum Assured |
INR 2,00,00,000 |
Max. Basic Sum Assured |
There is no maximum limit. However, the acceptance of any case is subject to Board Approved Underwriting Policy (BAUP). |
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
Your Required life cover to protect your family’s future is
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Have a question?
We’ll tell you everything you need to know about HDFC Life Click2Protect Elite
1 Why HDFC Life Click 2 Protect Elite Insurance Plan?
HDFC Life Click 2 Protect Elite Insurance plan provides financial protection to your family, you pay for a limited duration and get covered for the whole policy term.
2 What are the premium paying frequencies available for this plan?
Annual, half-yearly, quarterly and monthly frequencies are available under this product.
3 Can I change my premium frequency after the policy has been issued?
Yes, as the Policyholder, You can alter the Premium frequency during the Premium Payment Term.
4 Are there any specific exclusions in this plan?
To know detailed information related to exclusions, read Product Brochure.
5 For what premium payment term, will the Smart Exit Benefit be applicable?
Smart Exit Benefit will be applicable for policies at all premium payment terms. It can only be exercised after 30th policy year, but not during the last 5 policy years.
6 Can Riders be opted along with the plan?
Yes, you can opt for any of the following riders:
- HDFC Life Income Benefit on Accidental Disability Rider
- HDFC Life Critical Illness Plus Rider
- HDFC Life Protect Plus Rider
7 Does this plan offer tax benefits?
Premium(s) paid by an individual or HUF under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961, subject to the conditions/ limits specified therein. Under Section 10 (10D) of the Income Tax Act, 1961, the benefits received from this policy are exempt from tax, subject to the conditions specified therein.
Please note that the above mentioned benefits are as per the current tax rules. Your tax benefits may change if the tax rules are changed. You are requested to consult your tax advisor.
- This can be exercised in any policy year greater than 30, but not during the last 5 policy years
ARN - PP/09/24/15965