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HDFC Life Click2protect Plus Plan

What is the Plan all About?

HDFC Life Click 2 Protect Plus is a term insurance plan which offers a complete defense at an affordable price to safeguard your family financially in your absence. This plan is intended to shield you and your family against the various unpredictable uncertainties in life. This term life insurance plan offers a comprehensive options to choose from as per your need.

What are the Key Features?

  • A hassle-free online plan, offering quick policy issuance
  • Multiple payout options to choose from
  • Option of Regular, Limited & single Premium Payment Term
  • Rewards you for a healthy lifestyle
  • Low premium rates for non-smokers

What are the Plan Benefits?

Death Benefit

    Following are the death benefit options available under this plan.

    1. Death Benefit –OPTION 1Life Option:

    In the event of death of the life Insured the death benefit mentioned below is paid as a lump sum on death,

    For Single Pay Premium Policy: Higher of :

    • 125% of Single Premium
    • Sum Assured

    For Regular /Limited Pay Premium Policy: Higher of :

    • 10 times the annualized premium
    • 105% of all the premiums paid as on date of death
    • Sum Assured

    Life Stage Protection: To possess adequate cover as your financial situation changes as you go on to accomplish different milestones in your life like upon your marriage, birth of a child. With Life Stage Protection benefit the policyholder can increase your Sum Assured (by paying revised extra premium) or reduce the additional cover later during the policy term (which will result in a proportional decrease in future premiums).

    2. Death Benefit –OPTION 2Extra Life Option:

    • In the event of NATURAL death of the life Insured the death benefit is paid as lump sum on death.
    • In the event of ACCIDENTAL death of the life Insured the death benefit will be lumpsum SA on death plus extra SA as Accidental Death Benefit.

    3. Death Benefit –OPTION 3Income Option:

    In the event of death of the life Insured the death benefit Under Income Option is:

    • 10% of the Death Benefit paid as a lump sum upon death of the policy holder.
    • Remaining 90% of the Death Benefit shall be paid as monthly income (which is (0.5% of Death Benefit) to the nominee over 15 years.)

    4. Death Benefit –OPTION 4Income Plus Option:

    In the event of death of the life Insured the death benefit Under Income Plus benefit is:

    • 100% of the Death Benefit specified above shall be paid as a lump sum upon death.
    • In addition, a level monthly income equal to 0.5% of the Sum Assured shall be payable for a period of 10 years.
    • The monthly income can be opted as level or increasing at 10% p.a.

Surrender Benefit

    In the event of Single Pay as premium payment mode, this Plan has a Surrender Value = 70% x Single Premium x (Unexpired Coverage Term / Original Coverage Term), but not for regular pay and limited pay.

Who can Buy the Plan?

Factor Minimum Maximum
Age (as on last birthday) 18 Years 65 Years
Age at Maturity - 75 Years
Policy Tenure 10 Years 40 Years
Premium Paying Term Regular, Limited Or Single Pay Years -
Premium Paying Mode Monthly, Quarterly, Semi Annually & Annually -
Sum Assured 25 Lacs No Limit (subject To Underwriting)
Maturity Proceeds Nil -
Plan Type Online -

Is any Rider Available with this Plan?

You may opt for the following rider:

Income Benefit on Accidental Disability Rider: Additional protection in case of accidental disability which is monthly income security, i.e regular monthly income equal to 1% of Sum Assured for a fixed period of 10 years.

Critical Illness Plus Rider: This rider provides additional critical illness rider sum assured in case, diagnosed with any of the listed 19 Critical Illnesses.

(Riders are optional and are available at an extra cost.)

Premium Illustration

ample illustration of the Premium Amount for an individual of 25, 30 and 35 years, opting for a Life Cover of Rs 50 lacs or Rs 1 crore as Sum Assured and 25 years as Policy Tenure.


25 years

30 years

35 years

Sum assured = Rs. 1 crore

Rs. 7,962

Rs. 9,384

Rs. 12,285

Sum assured = Rs. 50 lacs

Rs. 4,550

Rs. 5,308

Rs. 6,926

(Note: Premium amount is based on the Death benefit- Option-1 “ Life Option” for a non smoker individual keeping good health conditions at the time of buying this insurance plan)

HDFC Life Click2Protect Plus Plan Premium Illustration

Is the Plan, eligible for Tax Benefit?

HDFC Click to Protect Plus Term Plan is eligible for Tax benefits as stated:

  • Premiums paid qualify for tax benefits as per Section 80C of the Income Tax Act, 1961.
  • Death benefit(s) are entitled for tax benefits as per Section 10 (10D) of the Income Tax Act.

(Subject to the provision stated therein.)