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HDFC Life
Click 2 Protect Super
UIN: 101N145V01
A plan that provides you varying cover along with comprehensive protection as per your evolving needs.
Comprehensive protection as per your needs
Flexibility to choose from multiple coverage options
Life stage option to increase your cover on marriage or child birth3
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Why HDFC Life Click 2 Protect Super?
A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan
Get back all premiums paid on survival till maturity with Return of Premium1 option
Get additional amount payable in case of accidental death2 during policy term
Provides Acceleration of Death benefit3 on diagnosis of specified terminal illnesses, till age 80 years.
Option to choose increasing Death Benefit up to 200% under Life option
Option to vary your Death Benefit according to your need under Life Goal option
Avail Waiver of Premium on diagnosis of Critical Illness (through WOP CI4 option) and Total and Permanent Disability (through WOP Disability4 option)
Option to choose Additional Cover for Spouse1
Get back all premiums paid on survival till maturity with Return of Premium1 option
Get additional amount payable in case of accidental death2 during policy term
Provides Acceleration of Death benefit3 on diagnosis of specified terminal illnesses, till age 80 years.
Option to choose increasing Death Benefit up to 200% under Life option
Option to vary your Death Benefit according to your need under Life Goal option
Avail Waiver of Premium on diagnosis of Critical Illness (through WOP CI4 option) and Total and Permanent Disability (through WOP Disability4 option)
Option to choose Additional Cover for Spouse1
1. Available under Life and Life Plus plan options, upon payment of additional premiums
2. Available as inbuilt feature under Life Plus plan option
3. Available as inbuilt feature under Life and Life Plus plan options
4. Available for all plan options, upon payment of additional premiums
1. Available under Life and Life Plus plan options, upon payment of additional premiums
2. Available as inbuilt feature under Life Plus plan option
3. Available as inbuilt feature under Life and Life Plus plan options
4. Available for all plan options, upon payment of additional premiums
Flexibility at every stage.
Design your own plan with desired cover and benefits.
Select your core objective for buying an insurance cover
- Level/Increasing Life Cover + Terminal Illness Cover
- Life Cover + Terminal Illness Cover + Accidental Death Cover
- Decreasing Life Cover
Level/Increasing Life Cover + Terminal Illness Cover
Life Option
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Under this option, the life assured is covered for death benefit, which can be accelerated in the case of diagnosis of terminal illness.
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SA Factor will depend on the variant chosen by the policyholder –
A: Equal to 100% throughout the policy term
B: Equal to 100% during the first 5 policy years and then a simple increase of 10% after every 5 years, subject to a cap of 200%
C: Equal to 100% in the first policy year and then a simple increase of 5% every subsequent year, subject to a cap of 200%
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 higher of:
- Sum Assured on Death × SA Factor applicable in the policy year of death
- 105% of Total Premiums Paid
In the event of any claim for Terminal Illness or under any additional options chosen, there will be no further change in SA Factor and the same will remain level throughout the outstanding policy term.
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
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.
Terminal Illness Benefit
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Sum Assured on Death, up to a maximum of Rs. 2 Cr. will be accelerated in case of diagnosis of terminal illness during the policy term as mentioned below.
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In case of diagnosis of terminal illness at ages greater than 80 years, death benefit will not be accelerated.
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Upon payment of Terminal Illness benefit –
a) If Death Benefit at the time of claim is equal to Terminal Illness benefit, the policy will terminate. Or,
b) If Death Benefit at the time of claim is greater than Terminal Illness benefit, the policy will continue with the balance Death Benefit
Maturity Benefit
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On survival until Maturity, Sum Assured on Maturity will be payable
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Sum Assured on Maturity will be equal to 100 % of the Total Premiums Paid, if ROP option is selected, Nil otherwise.
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Upon payment of death or maturity benefit, the policy terminates and no further benefits are payable.
Check Eligibility Criteria
Before buying HDFC Click 2 Protect Super
ELIGIBILITY CRITERIA
Plan Option |
Life |
Life Plus |
Life Goal |
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Min. Age at Entry |
18 years |
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Max. Age at Entry |
84 years |
65 years |
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Min. Age at Maturity |
18 years |
23 years |
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Max. Age at Maturity |
85 years |
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Min. Policy Term |
Regular Pay: 2 years Limited Pay: 3 years |
SP: 5 years LP: 7 years |
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Max. Policy Term |
85 years – Age at Entry |
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Min. Basic Sum Assured |
INR 5,000 |
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Max. Basic Sum Assured |
For all other cases: There is no maximum limit. However, the acceptance of any case is subject to Board Approved Underwriting Policy (BAUP). |
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Premium Payment Term |
^ For age at entry greater than 65 years only SP will be allowed |
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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
UIN: 101B013V03
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 Critical Illness Plus Rider
UIN: 101B014V02
We pay a lump sum amount equal to the Sum Assured upfront if diagnosed with of any of the specified critical illnesses
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HDFC Life Protect Plus Rider
UIN:101B016V01
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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Personal details
Your Required life cover to protect your family’s future is
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- In-built Terminal Illness cover under Life & Life plus plan options. In-built Accidental Death cover under Life Plus option. Optional benefit of Waiver of Premium on Total and Permanent Disability or diagnosis of Critical Illness.
- There are three different coverage options available under the plan – Level (Life Option – Variant A), Increasing (Life Option – Variant B & C) or Decreasing (Life Goal Option)
- Life Assured should be less than 45 years of age during events.
- Under Renewability Option at Maturity, the policyholder can choose to extend the term of their policy.
ARN: ED/10/22/29728
