Click2protect Plus Eligibility

  • Minimum – Maximum entry Age: 18 – 65 years
  • Minimum – Maximum Maturity Age: 28 – 75 years
  • Minimum – Maximum Policy Term: 10 – 40 years
  • Premium Paying Term: Regular, Limited or Single
  • Premium Paying Frequencies: Annual, Half- yearly, quarterly or monthly
  • Minimum – Maximum Sum Assured: Rs 25 Lakhs – No limit subject to satisfactory underwriting

Click2protect Plus Benefits

  • HDFC Life Click 2 Protect Plus provides Comprehensive Protection to you & your family with choice of Plan Options
  • This term policy provides you with four cover options:
    • Life Option – Lump sum payout of Death Benefit
    • Extra Life Option (Accidental Death Benefit) – Lump sum payout of Death benefit in addition extra Sum Assured is paid in case of death due to accident.
    • Income Option – Part of Sum Assured payable on death and the remaining payable as monthly income for 15 years
    • Income Plus Option – Sum Assured paid on death & monthly income paid for next 10 years. The monthly Income can be chosen as Level or Increasing at 10% p.a.
  • Under Life Stage Protection Feature you have an option to Increase your Insurance Cover on certain key milestones of your Life like Marriage, Child Birth without fresh medical test
  • Flexibility to choose your policy term of 10 to 40 years as per the cover required
  • Option of Regular , Limited & single Premium Payment Term
  • Rewards you for healthy lifestyle with lower premium rates for non-tobacco users
  • Option to pay premiums annually, half-yearly, quarterly or monthly for Regular & limited premium paying term policy
  • You can customize your coverage by opting HDFC Life Income Benefit on Accidental Disability Rider that offers monthly Income of 1% of rider Sum Assured in the event of Total Permanent Disability due to accident for a fixed period of 10 years.

Click2protect Plus Features

Death Benefit under the plan is:

  • Single Premium Policy: Higher of :
    1. 125% of Single Premium
    2. Sum Assured
  • Regular Premium Policy: Higher of :
    1. 10 times the annualized premium
    2. 105% of all the premiums paid as on date of death
    3. Sum Assured
  • Life Option: The death benefit specified above is paid as lump sum on death.
  • Extra Life Option(Accidental Death Benefit): In addition to the death benefit mentioned above an additional benefit equal to Sum Assured is payable in case of death due to accident
  • Income Option:
    1. 10% of the Death Benefit paid as a lump sum upon death
    2. remaining 90% of the Death Benefit shall be paid as monthly income over next 15 years (0.5% of Death Benefit every month for 15 years)
  • Income Plus Option:
    1. 100% of the Death Benefit specified above shall be paid as a lump sum upon death
    2. In addition, a monthly income equal to 0.5% of the Sum Assured shall be payable for a period of 10 years.
    3. The monthly income can be level or increasing at 10% p.a. as chosen by the policyholder

Click2protect Plus Claim Process

  • Bereavement is difficult to deal with and we at HDFC Life understand this completely and do all we can to help your family financially in this moment of distress. We strive to ease the process by enabling faster settlement of your claims.
  • Please drop us a mail at for any assistance or query relating to reporting a claim (Death Claims/Critical Illness Claims) or for Health Insurance Claims and we will help you with the details required to process the claim.

Click2protect Plus Exclusions

Suicide Clause
  • In case of death due to suicide, within 12 months from the date of inception of the policy, the nominee of the policyholder shall be entitled to 80% of the premiums paid.