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Why Click 2 Protect Optima Secure?

  • Provides comprehensive financial protection to your family

  • Option to choose a cover which fits your needs from 3 plan options

  • Secure Benefit : Offers additional coverage amount equivalent to 100%/200% of the Base Sum Insured.

  • Plus Benefit : Offers additional coverage equivalent to 100% of the Base Sum Insured in 2 years irrespective of a claim.

  • Automatic Restore Benefits : Restores 100% of Base Sum Insured automatically on partial or complete utilization of Sum Insured (i.e. Base Sum Insured, Secure Benefit and Plus Benefit / Cumulative Bonus).

  • Protect Benefit : Pays towards the Non-Medical expenses like gloves, food charges and other consumables during hospitalization.

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  • Provides comprehensive financial protection to your family

  • Option to choose a cover which fits your needs from 3 plan options

  • Secure Benefit : Offers additional coverage amount equivalent to 100%/200% of the Base Sum Insured.

  • Plus Benefit : Offers additional coverage equivalent to 100% of the Base Sum Insured in 2 years irrespective of a claim.

  • Automatic Restore Benefits : Restores 100% of Base Sum Insured automatically on partial or complete utilization of Sum Insured (i.e. Base Sum Insured, Secure Benefit and Plus Benefit / Cumulative Bonus).

  • Protect Benefit : Pays towards the Non-Medical expenses like gloves, food charges and other consumables during hospitalization.

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  • Lorem ipsum dolor sit amet, consectetur adipiscing elit

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

Check Out The Eligibility Conditions

Before buying Click 2 Protect Health

ELIGIBILITY CRITERIA

Protection
 

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

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

85 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

85 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

INR 20,00,000

INR 50,000

Max. Basic Sum Assured

No limit, subject to Board Approved Underwriting Policy (BAUP)
 Health
 
  • This Policy covers Insured Persons in the age group 91 days to 65 years.
  • The minimum entry age for an adult is 18 years and maximum entry age is 65 years.
  • The minimum entry age for a dependent child (i.e. natural or legally adopted) is 91 days and maximum entry age is 25 years.
  • Dependent Child between 91 days and 5 years can be insured provided either of the parent is getting insured under this Policy.
  • When the child attains the age of 25 years, he or she shall be ineligible for coverage in the subsequent renewals and will be migrated to a new Policy, with continuity benefits.
  • There is no maximum cover ceasing age on renewals.
  • The family includes following relationships: spouse, dependent children, parents and parents-in-law.
  • In a family floater Policy, a maximum of 4 adults and a maximum of 6 dependent children can be included in a single Policy. The 4 adults can be a combination of self, spouse, parents and parents- in-law.
  • In an individual Policy, a maximum of 6 adults and a maximum of 6 dependent children can be included in a single Policy.
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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  Optima-Secure (UIN: 101Y122V01) 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. For Policies purchased through online channel, a discount of 5.5% on premiums paid towards both Life & Health will be offered as compared to the individual policy purchased under Life & Health. For Policies purchased through other than online channel, a discount of 5% on premiums paid towards Life & Health will be offered as compared to the individual policy purchased under Life & Health. At any time during the validity of the policy, the Customer decides to opt out of the insurance coverage of one of the Insurer, the discount, if any, being offered to such Customer under the Combi-Product(s) shall not be available to the Customer going forward.
  2. As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.

ARN: PP/06/22/29210