HDFC Life Click 2 Protect 3D Plus
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HDFC Life Click 2 Protect 3D Plus is a online term insurance plan that offers comprehensive security at an affordable price. 3D stands for the three uncertainties that we face at some point in time, i.e. Death, Disability and Disease. With this online term policy, ensure that your family is safeguarded financially if an unexpected eventuality occurs. HDFC Life Click 2 Protect 3D Plus offers a wide range of 9 plan options to help one choose as per their need.

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Why you need this Plan ?
  • Provide financial security at an affordable price
  • Ensure your family has comprehensive security always
  • Maintain the family’s standard of living even in one’s absence
  • Cover against the 3 uncertainties - death, disease and disability
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PROTECT YOUR LOVED ONES WITH LIFE INSURANCE COVER IN A FEW SIMPLE STEPS

    • Provide financial protection to you and your family at an affordable cost 

    • Customize your online term plan with a choice of 9 plan options

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

    • Protect yourself for whole of life with Life Long Protection & 3D Life Long Protection options

    • Flexibility to choose your policy and premium payment terms

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

    • Flexibility to increase your cover every year through top-up option 

    • Special premium rates for female lives

    • Attractive premium rates for non-tobacco users 

    • Tax benefits* as per prevailing tax laws 

    *Tax benefits are subject to change from time to time

    *Total Premiums paid = Annualised Premium × number of years (or part thereof) for which premiums have been paid for Limited and Regular Pay or Single Premium for Single Pay

Benefits

HDFC Life Click2Protect 3D plus provides you with 9 plan options

Nominee will get the entire amount at one go as death benefit

Nominee will get lumpsum benefit on life assured's death along with monthly income over a period of time

Advantages

All Options except Life Long Protection Option & 3D Life Long Protection Option

ENTRY AGE
 
MIN
18 yrs
 
MAX
65 yrs
POLICY TERM
 
MIN
5 yrs
 
MAX
40 yrs
 
MAX
50 yrs^
PREMIUM PAYMENT MODE
 
  • Single
  • Regular
  • Limited : 5-39 yrs
PREMIUM PAYMENT FREQUENCY
 
  • Annual
  • Semi-Annual
  • Quarterly
  • Monthly
  • Single
MATURITY AGE
 
MIN
23 yrs
 
MAX
75 yrs
 
MAX
85 yrs^
MINIMUM BASIC SUM ASSURED
 
  • Rs. 10,00,000

Life Long Protection Option & 3D Life Long Protection Option

ENTRY AGE
 
MIN
25 yrs
 
MAX
65 yrs
POLICY TERM
 
  • Whole of Life
PREMIUM PAYMENT MODE
 
  • Limited : 65-Age at Entry  OR
  • Limited : 75-Age at Entry ( For Life Long Protection )
MATURITY AGE (investing)
 
  • Annual
  • Semi-Annual
  • Quarterly
  • Monthly
MATURITY AGE
 
  • Whole of Life
MINIMUM BASIC SUM ASSURED
 
  • Rs. 10,00,000
For Income and Extra Life Income options, the minimum income term shall be 1 month and the maximum income term will be 20 years.
All ages are expressed as on last birthday
^For Life, Extra Life, Income and Extra Life Income options only

FAQs

There are 9 plan options available with this online term insurance namely:

  • Life Option: This is the standard option, which gives your family the assured sum as a lumpsum in event of death or on diagnosis of terminal illness. You will receive waiver on future premiums in case of permanent disability due to an accident.

The benefits of the Life option are present in all the other plan options. Apart from that, the differentiating benefit in the remaining plan options is as follows:

  • 3D Life Option: You will receive waiver of premium on detection of 34 critical illness.

  • Extra Life Option: Option that gives your family additional lumpsum amount due to an unexpected accidental death of the life assured. This needs to be selected at the time of policy inception.

  • Return of Premium Option:  This is only plan option in this product with survival benefit. All the premiums paid (less applicable taxes) will be returned if the policyholder survives till the end of the policy term.

  • Life Long Protection Option: Along with the benefits under the Life option, the policy cover is for the life assured™s entire lifetime.

  • 3D Life Long Protection Option:  Option that gives you waiver of premium in case detection of 34 critical illnesses along with the benefits under Life Long Protection option.

  • Income Option: Option that gives your family the opportunity to receive a monthly income (level or increasing) along with the lumpsum mentioned under Life option

  • Extra Life Income Option: An extension to the income option, benefits include lump-sum payout in case of death due to accident & regular monthly income (level or increasing) chosen at the time of inception.

  • Income Replacement Option:  In case of death or diagnosis of Terminal Illness, the nominee will receive 12 times the chosen monthly income as lumpsum as well as a level/increasing monthly income for residual policy term.

Under all the plan options, the policy holder receives lumpsum payout on diagnosis of 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 Indian 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.

Under all the plan options, the policy holder receives waiver of premium in case of permanent disability due to an accident.

Accidental Total Permanent Disabiltiy 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:

  • The use of two limbs; or

  • The sight of both eyes; or

  • The use of one limb and the sight of one eye; or

  • Loss by severance of two or more limbs at or above wrists or ankles; or

  • The total and irrecoverable loss of sight of one eye and loss by severance of one limb at or above wrist or ankle.

In addition to the sum insured on death, the nominee will receive the additional sum assured chosen at the time of inception in case of death due to accident. This benefit is available under the Extra Life option and the Extra Life Income option. Please note that accident is a sudden, unforeseen and involuntary event caused by external, visible and violent means. Accidental Death means death by or due to a bodily injury caused by an Accident, independent of all other causes of death. Accidental Death must be caused within 180 days of any bodily injury.

You can choose to be covered for any term from 5 years to 40 years subject to meeting the maximum maturity age. For the Life Long Protection and the 3D Life Long protection, you will be covered for the whole of your life.

You can choose to pay from either of the 3 premium paying options available with this plan:

  • Regular pay- you pay premiums throughout the chosen policy term OR

  • Limited pay- you pay premiums for your chosen policy term from 5 to 39 years, 49 years (For Life, Extra Life, Income and Extra Life Income options only) OR

  • Single pay you pay premium once

For the 2 whole life cover options namely, Life Long protection and the 3D Life Long protection, the premium paying term would be the difference between 65 & your age at entry or difference between 75 & your age at entry (For Life Long Protection option only).

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Are You Making The Common Mistake Of Considering Term Plan As An Investment?

Many people typically buy a financial product only when they get returns. As a consequence, they consider term insurance plans as an investment. The truth is that a term plan is a pure insurance product that provides financial protection to your family which pays the family when the insured’s eventuality, such as death or critical illness, occurs. Here’s why you should not view online term plans as investments.

  • It takes time for people to save enough for various life goals, such as a home, car, retirement, child’s higher education and wedding. Most people use regular investments to prepare themselves to meet all life goals as and when they are due. Typically, the work life of people is around 30-35 years, and people keep contributing to their savings kitty till retirement, so that the family can lead a comfortable life and fulfil aspirations of family members. At the initial stage of one’s career, people are most vulnerable against risks to life of the earning member. This is because there aren’t enough assets built from which ample future income could arise and take care of the family in his absence. With time, as one starts accumulating assets, there are sources of future income which can financially support the family
  • You might have made excellent investments that are growing well. That said, distant life goals, such as child’s higher education and retirement, need substantial savings accumulated over long periods. Now, if the worst were to happen to you, all your hard work would come to a naught because your family might have to make premature liquidation to make ends meet, be it taking care of the living expenses or meeting obligations such as outstanding loans. This is where a term plan comes in. It provides financial cushion so that your existing investments can run their full course.
  • If you and your family are financially vulnerable, your risk appetite would be low. Your main investment objective would be to remain focused more on preserving capital, and not growth. Hence, you would prefer to invest in conservative products like fixed income investments such as fixed deposits where the returns unlikely grow faster than inflation. On the other hand, if you take a term plan with ample life insurance coverage, you would be assured of your family’s well-being in your absence. This can increase your risk appetite while investing. Equities are known to be volatile in the short- to medium-term, but are considered one of the best asset classes for long-term investment made over 8-10 years or more. This capacity to invest in higher risk, higher return investments, is enhanced by ample coverage from term plans.
  • Given the all round financial security term plans bring, they are far more rewarding than many think. It would be wrong to compare the benefits of a term plan with other investments since its function is completely different i.e. of protection. Since term plans are the least expensive ways of ensuring your family with a high life cover at a nominal cost, it’s prudent to include its premium as an essential expense for the family’s well-being.
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Explained! The Differences Between Buying A Term Plan Online And From An Advisor
Now that you have decided to buy a term plan, the next question on your mind will be whether to approach an advisor or buy the plan online all by yourself. We tell you how these two approaches work and which one you should use given the circumstancess.

  • When buying a policy through an advisor, you would typically need just a good reference of an advisor. This is usually from a person whom you trust, and who has had a good experience with the recommended advisor, both in terms of subject knowledge and service quality. Another way of finding an advisor is to do basic research or ask your friends and relatives about how to find the right insurance company. Once you decide the company from which you want to buy your term plan, you can call up their sales team or contact their branch office from where you are assigned an advisor.

    The advisor works like a consultant who asks many questions to you to learn about your finances and understand your future financial needs. Based on your inputs he can suggest a term plan that’s suited for you. When you decide to buy a term plan online, you will need to figure out the way yourself by going through numerous resources like knowledge websites, expert blogs, forums and online communities, and know about the various products and people’s experiences, as well as understand the process of need analysis. 

  • Advisors can be associated with only one life insurance company. Therefore, their recommended products would come out from that company. On the other hand, an online search process, besides helping you find the right insurance amount, will also help you find an appropriate term plan that meets your financial security needs in the best possible manner. Online forums also provide you the platform to interact with many people who had similar experiences and have gone through this self-learning process earlier. Discussion on similar topics available on various blogs and forums also work as a readymade material with which you can quickly relate and move up the learning curve about discovering your insurance needs and the right product. You can also ask questions to subject matter experts on their blogs. You could also find many online product aggregator websites which provide the quickest and easiest way to comprehend the comparison on various product features offered by insurance companies.

  • Besides assisting you on your insurance needs, an advisor could also help you with your overall financial planning. As a one-point contact, most advisors help their clients in regular premium payments, nomination updates, change of address or bank details, and if need arises, help the family with the claim settlement. However, when you have sufficient time and interest to do it yourself, you can get full control of managing your personal finances by buying insurance plans online, among other things. With evolution of alternate channels like customer service on phone or email, you can also have direct communication with the insurance companies. You can get statements and updates over email. You can also get your requests processed through phone, email, or by contacting the nearest branch of the insurance company.

  • When you embrace the advisor model, there are many costs which are built in the price of the term plan bought through the advisor that the insurance company bears in the distribution of the product. Besides the commission from the insurance company, many financial advisors also charge a consultancy fee. On the other hand, if you buy the term plan online, the insurance company saves on the distribution and operational expenses, and hence, passes on the benefit to the customer by way of lower premium charges. 

Why Buying The Term Plan Later Will Be Costlier Than You Think

We have all heard the saying “stitch in time saves nine” referring to the importance of doing things on time or face the consequences of the delays. The age old wisdom works pretty well when it comes to delays in buying life insurance, especially term plans. Mostly people wait for events like marriage or parenthood to buy a term plan when the need to protect their loved ones dawns on them. However, buying a term plan later in life is more disadvantageous than it may appear.

This is to state the obvious. Without a high life insurance coverage term plan you and your family remain exposed during a phase of life when, in your absence, your savings will not be enough for your family to meet regular expenses and future needs.  If the worst were to happen, your investments would also have to undergo premature liquidation. This effectively is a huge cost your family will have to pay at a time of great need.If you buy a term plan when young, your premiums are lower compared to buying them later. This is because of lower mortality charge levied by the life insurance company which increases with age. So, more the delay in buying the term plan, higher the premium you will end up paying. On the other hand, if you buy a term plan early on, besides paying a low premium, you enjoy this advantage throughout the term of the plan.If you buy a term plan at early age then most of the medical tests are waived off or are lighter in nature. However, as you get along with the years, medical conditions surface typically from the late 30's to 40s. At this stage, medical tests are comprehensive and in the event of detection of complications, you will need to pay a higher premium. Also, you could be charged a higher premium if you have been suffering from ailments in the period leading up to buying the plan.

Postponing the purchase of a term plan leads to certain consequences which few people anticipate. With time you have other financial obligations such as meeting regular obligations like home and car loan EMIs, school education expenses of your children. This means there will be competing demands for your money by many important heads of expenses. The term plan premium payment only adds to the difficulty.

As you progress in life, your income and savings go up. It is important that this savings is deployed in investments in progressively increasing amounts to meet all future needs with ease. This process is likely to get disturbed if your finances get stretched thanks to premium obligations. Remember, the life insurance cover needed in later years will keep rising as you are likely to have increasingly higher living expenses and aspire for upgraded goals like foreign education for children, instead of studies in India. 

Clearly, the cost of a delay in securing your family with a term plan is much more than what meets the eye initially. There is little doubt that you owe to your family the stitch in time especially when it comes to securing them. 

HDFC Life Click 2 Protect 3D Plus
Accidents happen! Add a little “extra” to your term plan and protect your family in your absence with HDFC Life Click 2 Protect 3D Plus - Extra Life Option. Life cover of Rs. 1 Cr at just Rs. 36/day*
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*Online Premium for Extra Life, Male Life Assured, 25 years of Age, Lumpsum Benefit of Rs. 1 Crore for premium payment term of 40 years, Annual Frequency, Exclusive of Taxes. (Annual Premium Of Rs. 12783/365= Rs. 35.02/day)

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Our vision is to provide innovative and customer-centric insurance plans that can help our customers secure their family's future as well as help them with other benefits such as tax savings. Keeping this in mind we offer a large range of life insurance plans such as term insurance plan, women's plan, health insurance plans, pension plans for retirement planning, child education plans, ULIPs, saving and investment plans. Most of these life insurance policies are available online, so buy one today and Sar Utha Ke Jiyo!

HDFC Life Insurance Company Limited (Formerly HDFC Standard Life Insurance Company Limited). CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.

Registered Office:

HDFC Life Insurance Company Limited (Formerly HDFC Standard Life Insurance Company Limited),

Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011. Tel No: (022)67516666.

The name/letters "HDFC" in the name/logo of the company belongs to Housing Development Finance Corporation Limited and is used by HDFC Life under a licence/agreement
For more details on risk factors, associated terms and conditions and exclusions, please read the sales brochure carefully before concluding a sale. ARN: EC/06/2017/9792

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