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A Non-Linked Non-Participating Combi insurance plan for the uncertain pandemic times
Special protection against COVID and co-morbidity illnesses2
Covers hospitalization expenses related to COVID-19 treatment
Covers medical expenses under COVID Hospitalization in any Ayush Hospital
Newborn child covered from day 1
Provides comprehensive financial protection to your family
Option to choose a cover which fits your needs from 3 plan options
Special protection against COVID and co-morbidity illnesses2
Covers hospitalization expenses related to COVID-19 treatment
Covers medical expenses under COVID Hospitalization in any Ayush Hospital
Newborn child covered from day 1
Provides comprehensive financial protection to your family
Option to choose a cover which fits your needs from 3 plan options
2. 15 days waiting period for Co-morbidity illness treatment along with COVID.
2. 15 days waiting period for Co-morbidity illness treatment along with COVID.
Helps you deal with life’s uncertainties confidently and lead a life without any worry for your family’s future
Protection Benefits
Provides comprehensive financial protection to your family
Option to choose a cover which fits your needs from 3 plan options
Auto balances Death and Critical Illness benefits with increasing age^
Get income payouts from age 60 onwards under Income Plus Option
Option to avail cover for Whole of Life*
Get back all premiums paid on survival till maturity with Return of Premium option**
Disclaimer:
^Available under Life & CI Rebalance Option only
*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.
Waiver of Premium on diagnosis of Critical Illness (through WOP CI option) #
Additional Sum Assured on Accidental Death (through ADB option) #
Special premium rates for female lives and non-tobacco users
Maturity Benefit
Life & CI Rebalance & Life Protect:
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.
Income Plus:
For Fixed Term:
On Survival until Maturity, Sum Assured on Maturity will be payable.
Sum Assured on Maturity will be equal to Max (110% of Total Premiums Paid less total Survival Benefits paid out, 0)
For Whole Life: NIL
Death Benefit
Life & CI Rebalance:
“Death Benefit” is payable as a lump sum to your Nominee if you, the Life Assured die during the policy term. It is the highest of:
Sum Assured on Death
105% of Total Premiums Paid
Life Cover SA
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
Life Protect & Income Plus:
“Death Benefit” 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 Death
105% of Total Premiums Paid
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
Before buying Click 2 Protect Corona Shield Plan
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 |
60 years |
65 years |
50 years |
10 Pay: 50 years Single Pay, 5 Pay: 55 years |
Min. AGE AT MATURITY |
28 years |
18 years |
Whole of Life |
70 years |
Whole of Life |
Max. AGE AT MATURITY |
75 years |
65 years |
Whole of Life |
85 years |
Whole of Life |
Min. POLICY TERM |
10 years |
Single Pay : 1 month Regular Pay : 5 years Limited Pay : 6 years |
Whole of Life |
70 years – Age at Entry |
Whole of Life |
Max. POLICY TERM |
30 years |
65 years – Age at Entry |
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) |
For Income and Extra Life Income options, the maximum income term will be 20 years.
Eligibility Criteria | Health |
---|---|
SUM INSURED TYPE |
|
CATEGORY OF COVER |
|
SUM INSURED | 50 Thousand to 5 Lakhs Note: Sum Insured can be taken only in multiples of 50 Thousand. |
POLICY PERIOD |
|
WHO CAN BUY | Policy can be availed by persons between the age of 18 years up Policy can be availed for Self and the following family members :
|
All ages are expressed as on last birthday.
Premiums will vary as per the plan option chosen.
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Your Required life cover to protect your family’s future is
HDFC Life Insurance Company Limited (“HDFC Life”). CIN: L65110MH2000PLC128245. IRDAI Registration No. 101. Registered Office: 13th Floor, Lodha Excelus, Apollo Mills Compound, N. M. Joshi Marg, Mahalaxmi, Mumbai - 400 011. Email: [email protected], Tel. No: 1860 267 9999 (Mon-Sat 10 am to 7 pm) Local charges apply. Do NOT prefix any country code. e.g. +91 or 00. Website: www.hdfclife.com The name/letters "HDFC" in the name/logo of the company belongs to Housing Development Finance Corporation Limited ("HDFC Limited") and is used by HDFC Life under an agreement entered into with HDFC Limited.
HDFC ERGO General Insurance Company Limited. CIN: U66030MH2007PLC177117. IRDAI Reg. No.146. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Email id: [email protected], Customer Care: 0120 6234 6234 / 022 6234 6234. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. www.hdfcergo.com. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license.
Click 2 Protect Corona Shield (UIN: 101Y120V01) is a Combi Product with both protection and health benefits. The product is jointly offered by HDFC Life Insurance Company Limited (HDFC Life) and HDFC Ergo General Insurance Company Limited (HDFC Ergo). The risks of this product are distinct and are accepted by respective Companies. Kindly familiarize yourself with the terms and conditions, policy benefits and policy service structure of the ‘Combi Product’ before deciding to purchase the policy. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale.
T&C*
ARN: PP/06/22/29249