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A term plan tailored to your needs, ensuring you and your loved ones remain protected, in the form a life cover with terminal illness benefit.
HDFC Life
Click 2 Protect Ultimate
UIN: 101N179V01
Life Cover with Terminal Illness Benefit2
Hassle-Free Claims Procedure
Return of Premium3 Option
Your Plans. Your Benefits
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Why HDFC Life Click 2 Protect Ultimate?
A Non-Linked, Non Participating, Individual, Pure Risk Premium / Savings Life Insurance Plan
A 100% claims assurance*, ensuring complete transparency, reliability, and hassle-free claims resolution for your peace of mind.
Provides Acceleration of Death benefits2 on diagnosis of specified terminal illnesses, till age 80 years.
Get back all Premium(s) paid on survival till maturity with Return of Premium3 option
Option to receive Death Benefits in Instalments
A 100% claims assurance*, ensuring complete transparency, reliability, and hassle-free claims resolution for your peace of mind.
Provides Acceleration of Death benefits2 on diagnosis of specified terminal illnesses, till age 80 years.
Get back all Premium(s) paid on survival till maturity with Return of Premium3 option
Option to receive Death Benefits in Instalments
Your Plans. Your Benefits
- Death Benefit
- Terminal Illness Benefit
- Maturity Benefit
Death Benefit
Death Benefit
-
Death Benefits” is payable as a lump sums if life assured dies during the policy term.
-
It is the higher of:
- Sum Assured on Death
- 105% of Total Premiums Paid
-
Sum Assured on Deaths for Single Pay (SP) is the highest of:
- 125% of Single Premiums
- Sum Assured on Maturitys
-
Basic Sum Assured Sum Assured on Deaths for Other than Single Pay (Limited Pay and Regular Pay) is the highest of:
- 10 times of the Annualized Premium
- Sum Assured on Maturitys
-
Basic Sum Assured
Where,
a) Annualized Premium is the premium amount payable in a year chosen by the policyholders, excluding taxes, riders premiums, underwritings extra premiums and loadings for modal premiums, if any.
b) Total Premiums Paids are the total of all the premiums received, excluding any extra premium, any riders premium and taxes. Where additional options have been selected, Total Premiums Paids includes premium paid for base option as well as the premium paid for additional options selected.
c) Sum Assured on Deaths 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 policyholders.
e) Sum Assured on Maturitys is the amount which is guaranteed to become payable on maturity of the policy, in accordance with the terms and conditions of the policy.
Check Eligibility Criteria
Before buying HDFC Life Click 2 Protect Ultimate
ELIGIBILITY CRITERIA
| Min. Age at Entry | 18 years |
| Max. Age at Entry | 50 years |
| Min. Age at Maturity | 18 years |
| Max. Age at Maturity | 85 years |
Min. Policy Term |
Single Pay: 1 month |
| Regular Pay: 2 years | |
| Limited Pay: 3 years | |
| Max. Policy Term | 40 |
| Min. Basic Sum Assured | INR 1,00,00,000 |
| Max. Basic Sum Assured | INR 3,00,00,000 |
| Premium Payment Term | Single Pay, Regular Pay, Limited Pay |
| Premium Payment Frequency | Monthly, Half-yearly, Quarterly, Annually |
All ages are expressed as on last birthday.
Risk cover starts from date of commencement of policy for all lives including minors. In case of a minor life, the policy will vest on the Life Assured on attainment of age 18 years.
In all cases, the relationship between the proposer and life assured shall be granted to the extent of insurable interest only.
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99.68% Claim Settlement Ratio
For FY 2024-2025
~5 Cr. Number Of Lives Insured
For FY 2024-2025
Disclaimer: By submitting your contact details, you agree to HDFC Life's Privacy Policy and authorize ...Read More
99.68% Claim Settlement Ratio
For FY 2024-2025
~5 Cr. Number Of Lives Insured
For FY 2024-2025
Have a question
We’ll tell you everything you need to know about HDFC Life Click 2 Protect Ultimate Plan
Why HDFC Life Click 2 Protect Ultimate?
HDFC Life Click 2 Protect Ultimate ensures you and your loved ones remain protected, in the form a life cover with terminal illness benefit with 100% claims assurance.*
What are the premium paying frequencies available for this plan?
Annual, half-yearly, quarterly and monthly frequencies are available under this product.
Can I decrease the policy term and the premium payment term after the policy has been issued?
No, you cannot reduce the policy term and the premium payment term. However, you can increase the policy term and the premium payment term subject to boundary conditions.
Can I change my premium frequency after the policy has been issued?
Yes, as the Policyholders, You can alter the Premium frequency during the Premium Payment Term.
Are there any specific exclusions in this plan?
To know detailed information related to exclusions, read Product Brochure.
Does this plan offer tax benefits?
Premium(s) paid by an individual or HUF under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961, subject to the conditions/ limits specified therein. Under Section 10 (10D) of the Income Tax Act, 1961, the benefits received from this policy are exempt from tax, subject to the conditions specified therein.
Please note that the above mentioned benefits are as per the current tax rules. Your tax benefits may change if the tax rules are changed. You are requested to consult your tax advisor.
2- Terminal Illness Benefit has a 6 month waiting period from the Policy Risk Commencement Date
3- Available upon payment of additional premium(s).
* The policy must be in force on the date of death, with all premiums fully paid, except for the exclusion clauses mentioned in Part F of the policy document.
ARN: PP/01/25/20564
