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Why HDFC Life Click 2 Protect Life?

A Non-Linked, Non Participating, Individual, Pure Risk Premium / Savings LIfe Insurance Plan

Why HDFC Life Click 2 Protect Life

  • You have the assurance of a 99.50%## Claim Settlement Ratio

  • Get additional Sum Assured on Accidental Death (through ADB option)1

  • Get back all premiums paid on survival till maturity with Return of Premium option2

  • Avail Waiver of Premium on diagnosis of Critical illness(through WOP CI option)1

  • Tax benefits as per prevailing tax laws3

  • Special premium rates for female lives and non-tobacco users.

  • You have the assurance of a 99.50%## Claim Settlement Ratio

  • Get additional Sum Assured on Accidental Death (through ADB option)1

  • Get back all premiums paid on survival till maturity with Return of Premium option2

  • Avail Waiver of Premium on diagnosis of Critical illness(through WOP CI option)1

  • Tax benefits as per prevailing tax laws3

  • Special premium rates for female lives and non-tobacco users.

Why HDFC Life Click 2 Protect Life

1. Waiver of Premium (WoP) on diagnosis of Critical illness (CI) is available as in inbuilt feature under Life & CI Rebalance Option and on payment of extra premium under Life Protect Option (Fixed Term variant). Accidental Death Benefit (ADB) option is available on payment of extra premium under Life Protect Option.
2. Available as an inbuilt feature under Income Plus Option and on payment of extra premium under Life Protect Option (Fixed Term variant) and Life & CI Rebalance Option.
3. As per Income Tax Act, 1961. Tax benefits are subject changes in tax laws.
##Individual death claim settlement ratio by number of policies as per audited annual statistics for FY 2023-24.

1. Waiver of Premium (WoP) on diagnosis of Critical illness (CI) is available as in inbuilt feature under Life & CI Rebalance Option and on payment of extra premium under Life Protect Option (Fixed Term variant). Accidental Death Benefit (ADB) option is available on payment of extra premium under Life Protect Option.
2. Available as an inbuilt feature under Income Plus Option and on payment of extra premium under Life Protect Option (Fixed Term variant) and Life & CI Rebalance Option.
3. As per Income Tax Act, 1961. Tax benefits are subject changes in tax laws.
##Individual death claim settlement ratio by number of policies as per audited annual statistics for FY 2023-24.

Your Plan. Your Benefits

Flexibility to choose your policy and premium payment terms.

Select your core objective for buying an insurance cover

  • Basic Life Cover
  • Life Cover + Critical Illness Cover
  • Life Cover + Regular Income

Basic Life Cover

A plain life insurance cover option

Heart-Icon Life Protect Option

  • Get a one-time lumpsum payment upon demise of the policyholder

  • Option to choose the term cover for a limited tenure or for your whole1 life

  • Option to reduce the premium payment frequency during the premium payment term2

  • Disclaimer:

    1. This feature is available for age 45 and above.
    2. Convert the outstanding regular premiums into any limited premium period.

    For complete details, please read the Product brochure.

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Death Benefit

  • It is payable as a lump sum to your Nominee if you, the Life Assured die during the policy term. It is the higher of:  

    • Sum Assured on Death1
    • 105% of Total Premiums Paid2

    Where,

    Sum Assured on Death for Single Pay is the highest of: 

    • 125% of Single Premium
    • Sum Assured on Maturity3
    • Basic Sum Assured4

    Sum Assured on Death for other than Single Pay (Limited Pay and Regular Pay) is the highest of:

    • 10 times of the Annualized Premium5
    • Sum Assured on Maturity3
    • Basic Sum Assured4

  • Disclaimer:

    1. 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.
    2. Total Premiums Paid are the total of all the premiums received, excluding any extra premium, any rider premium and taxes. In case ROP option has been selected, Total Premiums Paid includes premium paid for base plan option and the additional premium paid for ROP option.
    3. 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.
    4. Basic Sum Assured is the amount of sum assured chosen by the policyholder.
    5. Annualised Premium means 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

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Maturity Benefit

  • On survival until Maturity, Sum Assured on Maturity will be payable. 

  • Sum Assured on Maturity will be equal to the Total Premiums Paid if ROP benefi­t is selected, Nil otherwise. 

  • Upon the payment of death or maturity benefi­t as above, the policy terminates and no further bene­fits are payable.

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Additional Benefits (available through riders)

  • Waiver of all future premiums upon diagnosis of any of the 36 listed critical illnesses

  • An additional amount equal to 100% of Basic Sum Assured will be payable to the Nominee on your death due to accident during the policy term

  • Enjoy a lumpsum return of all premium amounts paid in case of survival of policy holder upon end of policy term1

  • Disclaimer:

    1. Total Premiums Paid are the total of all the premiums received, excluding any extra premium, any rider premium and taxes. This benefit is available for fixed term only.

    For complete details, please read the Product brochure.

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Check Eligibility Criteria

Before buying HDFC Life Click 2 Protect Life

ELIGIBILITY CRITERIA

Plan Option

Life & CI Rebalance

Life Protect

Income Plus

Fixed Term

Whole Life

Fixed Term

Whole Life

Min. AGE AT ENTRY

18 years

18 years

45 years

30 years

45 years

Max. AGE AT ENTRY

65 years

      65 years for non-PoS

       60 years for PoS

65 years

50 years

10 Pay: 50 years

Single Pay,

 5 Pay: 55 years

Min. AGE AT MATURITY

28 years

18 years for non-PoS

       23 years for PoS

Whole of Life

70 years

Whole of Life

Max. AGE AT MATURITY

75 years

    85 years for non-PoS

65 years for PoS

Whole of Life

85 years

Whole of Life

Min. POLICY TERM

10 years

Single Pay : 

1 month for Non-PoS

5 years for PoS

Regular Pay : 5 years

Limited Pay : 6 years

Whole of Life

70 years – Age at Entry

Whole of Life

Max. POLICY TERM

30 years

     85 years - Age at Entry for non-PoS

65 years - Age at Entry for PoS

Whole of Life

40 years

Whole of Life

PREMIUM PAYMENT TERM

Single Pay, Regular Pay, Limited Pay (5 to any PPT less than PT)

Limited Pay (5, 10, 15 pay)

Single Pay, Limited Pay (5, 10 pay)

Min. BASIC SUM ASSURED

₹ 20,00,000

₹ 50,000

Max. BASIC SUM ASSURED

No limit, 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. For more details on risk factors, terms and conditions, please read the Product Brochure carefully and/or consult Financial Consultant before taking a decision

We simplify Term plans for you!

Tune in to this video to know about our Term Plans.


Term Insurance is incomplete without riders

Riders in insurance have an important part in contingency planning.
  • icon

    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.

    DOWNLOAD
  • icon

    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.

    DOWNLOAD
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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.

    DOWNLOAD
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Frequently Asked Questions

We’ll tell you everything you need to know about HDFC Life Click2Protect Life

1 What are the plan options available for this product?

There are 3 plan options available with this product namely:

  • Life Protect Option: This option gives basic protection for your family and provides lump sum amount (Life cover) in case of death during policy term. The Life cover remains constant throughout the policy term.

  • Life & CI Rebalance Option: A smart cover which aims to achieve a balance between Death and Critical Illness benefit as you go along in your life. Critical Illness cover increases at each policy anniversary with corresponding reduction in Life Cover. In addition, all future premiums are waived off on detection of any of the covered Critical Illnesses and the life cover continues.

  • Income Plus Option:  Under this plan option, the Life Assured is covered for the entire policy term and also receives a lump sum payout on maturity along with regular income starting from age 60.

2 What are the premium paying frequencies available for this plan?

Single, annual, half-yearly, quarterly and monthly frequencies are available under this product.

3 Is there any maturity benefit for this plan?

Yes, Under Income Plus Option, you will receive a return of 100% of the Total Premiums1 paid as Lumpsum, upon survival till maturity. It is in-built feature in this option.

For other plan options (Life & CI Rebalance, Life Protect), you have to pay an additional premium over and above the premium payable for the base plan option chosen in order to receive a return of 100% of the Total Premiums paid as Lumpsum, upon survival till maturity (Available under Return of Premium add on option).

This maturity benefit will be available for:

All policy terms between 10 and 40 years for Single, Regular and 5 Pay.
All policy terms between 15 and 40 years for 8, 10 and 12 Pay

  1. Total Premiums Paid are the total of all the premiums received, excluding any extra premium, any rider premium and taxes. In case ROP option has been selected, Total Premiums Paid includes premium paid for base plan option and the additional premium paid for ROP option.

4 Is there any death benefit available under Life Protect Option?

Yes, “Death Benefit” is payable as a lump sum to your Nominee if you die during the policy term. It is the higher of:

  • Sum Assured on Death

  • 105% of Total Premiums Paid1

    Sum Assured on Death for Single Pay (SP) is the highest of:

  • 125% of Single Premium

  • Sum Assured on Maturity

  • Basic Sum Assured

    Sum Assured on Death for other than Single Pay (Limited Pay and Regular Pay) is the highest of:

  • 10 times of the Annualized Premium

  • Sum Assured on Maturity

  • Basic Sum Assured

    - Limited pay means premium paying term is less than policy term

    - Regular Pay means premium paying term is equal to policy term

    1Total Premiums Paid are the total of all the premiums received, excluding any extra premium, any rider premium and taxes. In case ROP option has been selected, Total Premiums Paid includes premium paid for base plan option and the additional premium paid for ROP option.

5 Is there any death benefit available under Life & CI Rebalance Option?

 

Yes, “Death Benefit” is payable as a lump sum to your Nominee if you die during the policy term. It is the highest of:

 

  • Sum Assured on Death

  • 105% of Total Premiums Paid1

  • Life Cover Sum assured

    Sum Assured on Death for Single Pay (SP) is the higher of:

  • 125% of Single Premium

  • Sum Assured on Maturity

    Sum Assured on Death for other than Single Pay (Limited Pay and Regular Pay) is the higher of:

  • 10 times of the Annualized Premium

  • Sum Assured on Maturity

    - Limited pay means premium paying term is less than policy term

    - Regular Pay means premium paying term is equal to policy term

    1Total Premiums Paid are the total of all the premiums received, excluding any extra premium, any rider premium and taxes. In case ROP option has been selected, Total Premiums Paid includes premium paid for base plan option and the additional premium paid for ROP option.

6 Is there any death benefit available under Income Plus Option?

Yes, “Death Benefit” is payable as a lump sum to your Nominee if you die during the policy term. It is the higher of:

  • Sum Assured on Death

  • 105% of Total Premiums Paid1

    less total Survival Benefits paid out till  the date of death

    Sum Assured on Death for Single Pay (SP) is the highest of:

  • 125% of Single Premium

  • Sum Assured on Maturity

  • Basic Sum Assured

    Sum Assured on Death for other than Single Pay (Limited Pay and Regular Pay) is the highest of:

  • 10 times of the Annualized Premium

  • Sum Assured on Maturity

  • Basic Sum Assured

    - Limited pay means premium paying term is less than policy term

    - Regular Pay means premium paying term is equal to policy term

    1Total Premiums Paid are the total of all the premiums received, excluding any extra premium, any rider premium and taxes. In case ROP option has been selected, Total Premiums Paid includes premium paid for base plan option and the additional premium paid for ROP option.

7 What is critical illness and how many types of critical illnesses are covered under this product?

Critical Illness means illness, the signs or symptoms of which first commence more than 90 days following the Issue Date or Commencement Date or the date of any reinstatement of this Contract, whichever is the latest and shall include either the first diagnosis of any of the following illnesses or first performance of any of the covered surgeries stated below:

List of Critical Illnesses covered:

1.Cancer of Specified Severity

2. Myocardial infarction – First heart attack of specific severity

3. Open Heart Replacement or Repair of Heart Valves

4.Kidney Failure Requiring Regular Dialysis

5. Major Organ/ Bone Marrow Transplant

6. Coronary Artery Bypass Graft (Open, Keyhole or minimally invasive or Robotic Cardiac CABG)

7.Multiple Sclerosis with persisting symptoms

8. Stroke resulting in permanent symptoms

9. Coma of specific severity

10.Permanent Paralysis of Limbs

11. Motor Neuron Disease with Permanent Symptoms

12. Benign Brain Tumor

13.Blindness

14. Deafness

15. End stage lung failure

16. End stage liver failure

17. Loss of Speech

18. Loss of Limbs

19.Major Head Trauma

20. Primary (idiopathic) pulmonary hypertension

21. Third Degree Burns

22.Alzheimer’s Disease

23. Aplastic Anaemia

24. Medullary Cystic Kidney Disease

25.Parkinson’s Disease

26. Systemic Lupus Erythematosus (SLE) with Lupus Nephritis

27. Apallic Syndrome

28.Major Surgery of Aorta

29. Brain Surgery

30. Fulminant Viral Hepatitis

31.Cardiomyopathy

32. Muscular dystrophy

33. Poliomyelitis

34.Pneumonectomy

35. Severe Rheumatoid Arthritis

36. Progressive Scledorma

To know more about each critical illness, refer product brochure.

8 Is there any benefit on diagnosis of critical illness?

 Under Life & CI Rebalance option, waiver of premium on diagnosis of critical illness is an in-built feature. Also, lump sum amount is given for treatment of critical illness under this plan option.
Under Life Protect option, this benefit is available as Waiver of Premium on CI (WOP CI add on option). If you choose this add-on option, all future premiums payable under the plan will be waived, if you are diagnosed with any of the covered critical illnesses. This option will be available only where PPT is at least 5 years and Life Protect Option with Fixed Term is selected. An additional premium will be payable if this add-on option is chosen.

9 What is definition of accident in “Accidental Death Benefit”?

Accident is a sudden, unforeseen and involuntary event caused by external, visible and violent means. Accidental Death means death by or due to a bodily injury caused by an Accident, independent of all other causes of death. Accidental Death must be caused within 180 days of any bodily injury.

“Accidental death” shall mean death:

  • which is caused by bodily injury resulting from an accident and

  • which occurs due to the said bodily injury solely, directly and independently of any other causes and

  • which occurs within 180 days of the occurrence of such accident but before the expiry of the cover and

  • is not a result from any of the causes listed in the exclusions for accidental death benefit

10 Is there any additional benefit for accidental death?

Yes, additional benefit is available in the form of Accidental Death Benefit (ADB) add on option. If you choose this add-on option, an additional amount equal to 100% of Basic Sum Assured will be payable to the Nominee on your death due to accident during the policy term. This option will be available only where Life Protect Option has been selected. An additional premium will be payable if this add-on option is chosen.

11 Will my Sum Assured Change under Life and CI Rebalance Option?

Critical Illness cover increases at each policy anniversary with corresponding reduction in Life Cover.

At the beginning of the cover, Life Cover SA is set at 80% of Basic Sum Assured and CI SA is set at 20% of Basic Sum Assured. For an in-force policy, at every policy anniversary, starting from the first policy anniversary, CI SA will increase every year and Life Cover SA will decrease by the same amount. This amount will be calculated as follows:

30%  X Basic Sum Assured ÷ Policy Term.

Basic Sum Assured (Life Cover SA + CI SA) will remain the same throughout the policy term.

Once a Critical Illness claim is made, the Life Cover SA will be fixed at the then applicable level and the same SA will continue until the end of policy term.

12 Why HDFC Life Click 2 Protect Life Insurance Plan?

Looking for an easier way to insure yourself and secure your loved one’s happiness? You know that the solution is a term insurance plan and you seek a plan that is convenient to buy and is affordable. HDFC Life Click 2 Protect Life Insurance plan provides comprehensive financial protection to your family, provides an option to avail cover for Whole of Life* , get back all premiums paid on survival till maturity with Return of Premium option** and many other features as well.

*Available under Life Protect and Income Plus Options only

**Available as an inbuilt feature under Income Plus Option and on payment of extra premium under Life Protect Option (Fixed Term variant) and Life & CI Rebalance Option.

13 Can I change my premium paying term from regular pay to limited pay after the policy has been issued?

You also have an option to convert the outstanding regular premiums into any limited premium period available under the plan options without any charge/ fee.

14 Can I change my premium frequency after the policy has been issued?

You have an option to alter the premium payment frequency during the premium payment term without any charge/ fee.

15 Are there any specific exclusions in this plan?

To know detailed information related to exclusions, read Product Brochure.

16 Does this plan offer tax benefits ?

 Premiums 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.

17 Can I change the plan option once chosen?

No, Plan option once chosen at inception cannot be changed throughout the policy term.

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Disclaimer

T&C

  1. Available under Life Protect and Income Plus Options only.
  2. Available under Income Plus option. Monthly income payouts start from the policy anniversary following 60th birthday of the Life Assured and continue until death or policy maturity.

ARN: PP/08/23/4067