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Why Click 2 Protect Health?

A Term & Health Combo Plan that covers both your life and medical expenses

  1. All future premiums are waived on Accidental Total Permanent Disability (Available under all options) and on diagnosis of Critical Illness (available under 3DLife & 3D Life Long Protection options).
  • Customize your plan with a choice of 9 plan options

  • Waiver of premiums1 on accidental total permanent disability or diagnosis of Critical Illness

  • Life Stage Protection feature offers to increase insurance cover on certain key milestones without medicals

  • Get treated on a cashless basis across 10,000 + network hospitals in India

  • Enjoy various add-on benefits like Restore Benefit, Multiplier Benefit, and Stay Active Benefit

  • Quick turnaround time - 90% of claim pre-authorization is done within 2 hours

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  1. All future premiums are waived on Accidental Total Permanent Disability (Available under all options) and on diagnosis of Critical Illness (available under 3DLife & 3D Life Long Protection options).

Right combination of protection and health

Your health benefits are given; you also get to choose your desired protection benefits

Health and Protection benefits in one plan

  • Protection Benefits
  • Health Benefits

Protection Benefits

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Check Out The Eligibility Conditions

Before buying Click 2 Protect Health

ELIGIBILITY CRITERIA

Eligibility Criteria

Protection

Health

Life Option

3D Life Option,
Extra Life Option,
Income Option,
Extra Life Income Option

Income
Replacement Option,
Return of Premium Option

Life Long Protection Option

3D Life Long Protection Option

Min Age at Entry

18 years

18 years

18 years

25 years

25 years

91 days

Max Age at Entry

65 years

65 years

Min Policy Term

Single Pay: 1 month
Regular Pay,
Limited Pay: 5 years

5 years

5 years

 

Whole of Life

 

Whole of Life

1 year or 2 year period,

(sum insured & benefit will applicable on policy year basis)

Max Policy Term

(85 years - Age at Entry)

(85 years - Age at Entry)

40 years

Premium Payment Mode

Single Pay1,
Regular Pay,
Limited Pay: 5 years to (84 - Age at Entry)

Single Pay1,
Regular Pay,
Limited Pay: 5 years to (84 - Age at Entry)

Single Pay,
Regular Pay,
Limited Pay : 5 years to 39 years

Limited Pay : (65 - Age at Entry) or (75 - Age at Entry)

Limited Pay : (65 - Age at Entry)

Annual for 1 year policy period and single for 2 years policy period

Premium Payment Frequency

Single, Annual, Semi-Annual, Quarterly, Monthly

Single, Annual, Semi-Annual, Quarterly, Monthly

Single, Annual, Semi-Annual, Quarterly, Monthly

Annual, Semi- Annual, Quarterly, Monthly

Annual, Semi- Annual, Quarterly, Monthly

Min Age at Maturity

23 years

23 years

23 years

Whole of Life

Whole of Life

Life Long on continuous Renewals

Max Age at Maturity

85 years

85 years

85 years

Minimum Basic Sum Assured

₹ 10,000

₹ 3 Lakh/₹ 5 Lakh/₹10 Lakh/ ₹ 15 Lakh/₹ 20 Lakh/ ₹ 25 Lakh/ ₹ 50 Lakh

  1. Single Pay Option is not available under 3D Life option.

 

Understand Health Plans!

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


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Personal details

Years
Years

Financial details

Your Required life cover to protect your family’s future is

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The values shown here are only for illustration. The results are generated based on the information provided. It is not intended to be and must not alone be taken as the basis for an investment decision.

Have questions about health plans?

We’ll tell you everything you need to know about Click 2 Protect Health.

1 Why should I buy this Plan?

Click 2 Protect Health provides both Protection and Health benefits under one plan. It protects you and your loved ones from financial losses due to death or health incidents.

2 What is the difference between Combo & Combi Plan?

3 What are the other benefits available to the customer?

4 Is there any discount available?

5 Will I be able to port my existing plan to this plan?

Yes, the health part of the Click 2 Protect Health allows any health policy from another insurer to be ported, subject to waiting periods.

6 What are the benefits available under Life Option?

Under this option your nominee will get a Lumpsum Benefit on death or diagnosis of Terminal Illness. Your future premiums will be waived upon Accidental Total Permanent Disability. These benefits are available under all plan options.

7 What is the difference between Life and 3D Life options?

In addition to the benefits under Life Option, you will receive an additional benefit of waiver of your future premiums upon diagnosis of Critical Illness under 3D Life option.

8 What is the difference between Life and Extra Life options?

In addition to the benefits under Life Option, you get an additional Extra Life Sum Assured upon death due to Accident under Extra Life option. Customer has the flexibility to select the amount of Extra Life Sum Assured (maximum upto Base Sum Assured).

9 What is the difference between Life and Life Long Protection options?

In addition to the benefits under Life Option, Life Assured is covered for whole life under Life Long Protection option.

10 What is Life Stage Protection feature?

Under this feature, you have the option to increase the basic Sum Assured without underwriting on any of the below specified events in the life of the Life Assured

  • 1stMarriage: 50% of Sum Assured subject to a maximum of Rs. 50 lakhs

  • Birth of 1st child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs

  • Birth of 2nd child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs

This feature is available under all plan options

11 What is Top up option?

This option provides for a systematic increase of your cover from 1st policy anniversary onwards. This option is available under all plan options and has to be opted at policy inception.

12 Are there any alterations allowed under this plan?

You shall have the option to alter the premium payment frequency at any Policy anniversary.

 

13 How many Critical Illnesses are covered under 3D Life & 3D Life Long Protection options and what is the benefit associated with them?

These plan options provide Waiver of Premium benefit if the Life Assured is diagnosed with any of the 34 covered Critical Illness.

14 What is Accidental Total Permanent Disability (ATPD)?

ATPD means when the life assured is totally, continuously and permanently disabled and meets either of the two definitions below:

  • Unable to Work:
    Disability as a result of injury or accident and is thereby rendered totally incapable of being engaged in any work or any occupation or employment for any compensation, remuneration or profit and he/she is unlikely to ever be able to do so.

  • Physical Impairments:
    The life assured suffers an injury/accident due to which there is total and irrecoverable loss of:
    i. The use of two limbs; or
    ii. The sight of both eyes; or
    iii. The use of one limb and the sight of one eye; or
    iv. Loss by severance of two or more limbs at or above wrists or ankles; or
    v. The total and irrecoverable loss of sight of one eye and loss by severance of one limb at or above wrist or ankle.
    The disabilities as stated under “Unable to Work” and “Physical Impairments” must have lasted, without interruption, for at least 6 consecutive months and must, in the opinion of a medical practitioner (as defined below), be deemed permanent. The benefit will commence upon the completion of this uninterrupted period of 6 months. However, for the disabilities mentioned in (iv) and (v) under Part (2), such 6 months period would not be applicable and the benefit will commence immediately.

15 Define Terminal Illness

A life assured shall be regarded as terminally ill only if that life assured is diagnosed as suffering from a condition which, in the opinion of two independent medical practitioners’ specializing in treatment of such illness, is highly likely to lead to death within 6 months. The terminal illness must be diagnosed and confirmed by medical practitioners’ registered with the Indian Medical Association and approved by the Company. The Company reserves the right for independent assessment. Terminal illness due to AIDS is excluded. The definition of medical practitioner will be in line with Guidelines on Standardization in Health Insurance, and as defined below: A Medical Practitioner is a person who holds a valid registration from the Medical Council of any State or Medical Council of India or Council for Indian Medicine or for Homeopathy set up by the Government of India or a State Government and is thereby entitled to practice medicine within its jurisdiction; and is acting within the scope and jurisdiction of licence. The person must be qualified in allopathic system of medicine and shall not be the Life Assured himself/herself.

16 Please confirm maximum how many members can be covered under Optima Restore Family Floater policy? Also specify the different combinations available?

The maximum number of members included in a family floater if 4. The available combinations are
Adults, 2 Adults +1 child, 2 Adults +2 Children, 1 Adult +1 Child, 1 Adult +2 Children, 1 Adult + 3 Children.

17 What is StayActive Benefit?

It is a renewal discount offered based on your average step count recorded in the mobile application provided by Us in the specified time interval. For a 1 year Policy, average step count is calculated for 4 different time intervals based on which discount for that interval is calculated. During renewal discount calculated for these intervals is accrued and applied on the Premium applicable. For a 2 year Policy, this is done for 8 different time intervals.

18 What will I have to do to avail the StayActive Benefit?

You have to download the mobile application provided by us using which steps taken by you are counted and recorded.

19 Who all can avail the StayActive Benefit?

This benefit is applicable to only adult members in the policy. Dependent children will not be considered for calculation of average steps.

20 How is my StayActive benefit calculated for an Individual policy?

In an individual policy, discount % would be applied on premium applicable per insured member based on the average step count calculated for each.

21 How is my Stay benefit calculated for a floater policy?

In a floater policy, discount % would be applied on premium applicable for Policy based on the average step count of all the Adult members in the policy. For example, in a 2A+2C floater policy, average steps of 2 Adults is computed based on which eligible discount is given.

22 What happens when an adult member is added in the mid-term of an Individual Policy?

The discount calculation for the adult member added in the mid- term of the policy will be done from the next time interval and not the ongoing time interval in which he/she has been added to the policy.

23 What happens when an adult dependent is deleted from an individual Policy?

When an adult dependent is deleted from an individual policy he/she will be logged out of the StayActive application and any discount accrued for that member before cancellation cannot be transferred/Monetized.

24 What happens when a Primary Insured is deleted from an individual Policy?

When a Primary Insured is deleted, existing policy is cancelled and a new Policy is issued with a new policy number and member Id with the same Risk Start Date. Deleted member will be removed from the StayActive benefit and the remaining members will have to link the new member id with the existing login. After linking all the accrued steps and discount of the members will continue under new member id.

25 What happens when an adult member is added in the mid-term of a floater Policy?

For calculation of average steps and discount, steps walked by the new member added will be considered from the next time interval and not the in ongoing time interval in which he/she has been added to the policy.

26 What happens when an adult dependent is deleted from a floater Policy?

When an adult dependent is deleted from an individual policy he/she will be logged out of the StayActive application. Steps walked by the deleted member before deletion will be considered for calculation of Average steps and discount. After the member deletion average will be calculated based on the steps walked by remaining members.

27 What happens when a Primary Insured is deleted from a floater Policy?

When a Primary Insured is deleted, existing policy is cancelled and a new Policy is issued with a new policy number and member Id with the same Risk Start Date. Deleted member will be removed from the Stay Active benefit and the remaining members will have to link the new member id with the existing login. After linking all the accrued steps and discount of the members will continue under new policy number and Steps walked by the member before deletion will be considered for calculation of Average steps and discount.

28 Is Emergency Air Ambulance Cover cashless?

No, it is not cashless. You will be paid either actual expenses or ₹ 2.5 Lakhs per hospitalization if all the specified conditions are satisfied.

29 How to avail air ambulance facility?

This will be on reimbursement basis.

30 Who will confirm whether the condition is life threatening or not?

It will be decided by claims team during claim processing based on the treating doctor`s certificate and case papers for reimbursement.

32 Is there a network hospital list available for Critical Advantage Rider?

There is no standard hospital list available for Critical Advantage rider, basis the condition and complexity of the treatment, options for network hospital are provided to the customer to select from.

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.

Click 2 Protect Health (UIN: 101Y115V05 ) 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*

  1. Discount of 5% on annual premiums paid towards both Life & Health will be offered. If Customer decides to opt out of one of the products, the discount, if any, shall not be available to the Customer going forward.
  2. Applicable only for health plan.
  3. As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.

ARN: EU/07/21/24441