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A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan
HDFC Life Click 2 Protect Elite Plus
HDFC Life Click 2 Protect Elite Plus
UIN: 101N182V01A plan that provides benefits and helps you and your family stay truly protected.
Get back all premiums paid on survival till maturity with Return of Premium$ option
Flexible Premium Payment Terms
Option to defer premiums by up to 12 months with Premium Break Benefit^
Why HDFC Life Click 2 Protect Elite Plus?
A Non-Linked, Non Participating, Individual, Pure Risk Premium / Savings Life Insurance Plan
Provides financial protection to your family
Get back all Premium(s) paid with Smart Exit Benefit*
Get back all premiums paid on survival till maturity with Return of Premium$ option
Accelerated instant death benefit of INR 5 Lakhs with Immediate Payout on Claim Intimation#
Option to defer premiums by up to 12 months with Premium Break Benefit^
Provides financial protection to your family
Get back all Premium(s) paid with Smart Exit Benefit*
Get back all premiums paid on survival till maturity with Return of Premium$ option
Accelerated instant death benefit of INR 5 Lakhs with Immediate Payout on Claim Intimation#
Option to defer premiums by up to 12 months with Premium Break Benefit^
*This option can be exercised in any Policy Year greater than 25, but not during the last 5 policy years
#Applicable for all in force policies after a waiting period of 1 year, with a base sum assured of Rs.2 crore or more. Claim Payout would be restricted to Rs.5 Lakhs. Rest of the claim amount would be released after completion of investigation
^ Applicable only after completion of 5 policy years for a maximum of 12 consecutive months at a time with a minimum gap of 5 years between each request, subject to a written request at least 30 days (15 days in case of monthly mode policy) in advance, and payment of all outstanding premiums along with next due premium.
$Available upon payment of additional premium(s)
*This option can be exercised in any Policy Year greater than 25, but not during the last 5 policy years
#Applicable for all in force policies after a waiting period of 1 year, with a base sum assured of Rs.2 crore or more. Claim Payout would be restricted to Rs.5 Lakhs. Rest of the claim amount would be released after completion of investigation
^ Applicable only after completion of 5 policy years for a maximum of 12 consecutive months at a time with a minimum gap of 5 years between each request, subject to a written request at least 30 days (15 days in case of monthly mode policy) in advance, and payment of all outstanding premiums along with next due premium.
$Available upon payment of additional premium(s)
Your Plans. Your Benefits
- Click 2 Protect Elite Plus
Click 2 Protect Elite Plus
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. 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.
Maturity Benefit
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On survival of the Life Assured till the Maturity Date, subject to Policy being in-force , Sum Assured on Maturity will be payable
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Sum Assured on Maturity will be equal to 100% of the Total Premium(s) paid, if ROP Option is selected, NIL otherwise.
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Upon the payment of Death or Maturity Benefit , the policy shall terminate and no further benefits will be payable.
Check Eligibility Criteria
Before buying HDFC Life Click 2 Protect Elite Plus
ELIGIBILITY CRITERIA
Min. Age at Entry |
18 years |
Max. Age at Entry |
45 years |
Min. Age at Maturity |
28 years |
Max. Age at Maturity |
85 years |
Min. Policy Term |
For 5- Pay & Regular Pay: 10 years For 10-Pay: 15 Years For 15-Pay: 20 Years |
Max. Policy Term |
40 years, subject to Maturity Age |
Premium Payment Term |
Limited Pay: 5 years, 10 years & 15 years |
Min. Basic Sum Assured |
INR 50 Lakhs |
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.
Risk cover starts from date of commencement of policy for all lives including minors. In case of a minor life, the policy will vest on the Life Assured on attainment of age 18 years.
In all cases, the relationship between the proposer and life assured shall be granted to the extent of insurable interest only.
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 Rider1 – 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 Rider2 – 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 Rider3 – 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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HDFC Life Waiver of Premium Rider4 – 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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Personal details
Your Required life cover to protect your family’s future is
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We’ll tell you everything you need to know about HDFC Life Click 2 Protect Elite Plus
1 Why HDFC Life Click 2 Protect Elite Plus Insurance Plan?
HDFC Life Click 2 Protect Elite Plus Insurance plan provides financial protection to your family, you pay for a limited and regular 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 What are the premium payment terms available for this plan?
Limited Pay – 5 Pay, 10 Pay , 15 Pay and Regular Pay premium payment terms are available with this plan.
4 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.
5 Are there any specific exclusions in this plan?
To know detailed information related to exclusions, read Product Brochure.
6 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.
$Available upon payment of additional premium(s)
^Applicable only after completion of 5 policy years for a maximum of 12 consecutive months at a time with a minimum gap of 5 years between each request, subject to a written request at least 30 days (15 days in case of monthly mode policy) in advance, and payment of all outstanding premiums along with next due premium.
1. A Non-Linked, Non-Participating/Participating, Pure risk premium, Individual Life rider
2. A Non-Linked, Non-Participating/Participating, Pure risk premium, Individual Life/Health rider
3. A Non-Linked, Non-Participating/Participating, Pure risk premium, Individual Health rider
4. A Non-Linked, Participating, Individual, Pure Risk Premium, Life / Health rider
ARN - PP/02/25/21443