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Apply NowHDFC life Click 2 Protect Life
Secure your family against uncertainties,
with a plan that adjusts to your needs.
HDFC life Click 2 Protect Life
Secure your family against uncertainties,
with a plan that adjusts to your needs.
Life cover of 1 Crore @ 22 per day1
Auto balances Death and Critical Illness cover2
Income pay-outs from age 60 onwards3
Life cover of 1 Crore @ 22 per day1
Auto balances Death and Critical Illness cover2
Income pay-outs from age 60 onwards3
Change is the only constant. In a world evolving at an accelerating pace, it is only reasonable that you keep up with the times, or fear being left behind. With evolving priorities and altering lifestyles, it is even crucial to stay protected and secure your family’s future against any uncertainty that life may bring. Read More
Keeping up with the changing times, HDFC Life is proud to present Click 2 Protect Life, an intelligent term plan that provides benefi¬ts as per your altering lifestyle and life stage needs and helps you stay truly protected.Read Less
PLAN OPTIONS/VARIANTS
1Premium for Life Protect Option, Male Life Assured, Non-Smoker, 25 years of age, Policy term of 30 years, Regular pay, Annual frequency, exclusive of taxes and levies as applicable. (Annual Premium of `7901/365 = 22)
2Available under Life & CI Rebalance option only. Critical Illness cover increases at each policy anniversary with corresponding reduction in Life Cover.
3Available under Income Plus option. Monthly income payouts start from the policy anniversary following 60th birthday of the Life Assured and continue until death or policy maturity.
3Available under Life protect and Income options only.
4Available as an inbuilt feature under Income Plus Option and on payment of extra premium under Life Protect Option (Fixed Term variant) and Life & CI Rebalance Option.
5WoP on diagnosis of CI is available as in inbuilt feature under Life & CI Rebalance Option and on payment of extra premium under Life Protect Option (Fixed Term variant). ADB option is available on payment of extra premium under Life Protect Option.
6Regular pay means when premium paying term is equal to policy term.
7Limited pay means when premium paying term is less than policy term.Read More
All ages are expressed as on last birthday. For all ages, risk commences from the date of inception of the contract. For more details on risk factors, terms and conditions, please read the Product Brochure carefully and/or consult Financial Consultant before taking a decision.
IDFC FIRST Bank Limited having its registered office at KRM Tower, 8th Floor, No. 1, Harrington Road, Chetpet, Chennai – 600031, is authorized by the Insurance Regulatory and Development Authority of India to act as a Corporate Agent of HDFC Life Insurance Company Ltd for procuring or soliciting life insurance business under license number CA0106. The purchase of Insurance products by IDFC FIRST Bank’s customers is purely on voluntary and not linked to availing of any other services from the bank. Tel: 1800 419 4332.
"HDFC Life Insurance Company Limited (“HDFC Life”). CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101. Registered Office: Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011. Email: service@hdfclife.com, Tel. No: 1860 267 9999 (Mon-Sat 10 am to 7 pm) Local charges apply. Do NOT prefix any country code. e.g. +91 or 00. Website: www.hdfclife.com. The name/letters "HDFC" in the name/logo of the company belongs to Housing Development Finance Corporation Limited ("HDFC Limited") and is used by HDFC Life under an agreement entered into with HDFC Limited.
HDFC Life Click 2 Protect Life (UIN: 101N139V01) is a non-linked, non-participating, individual, pure risk premium/savings life insurance plan. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale. IDFC First Bank (IRDAI Registration No. CA0106) is the Corporate Agent of HDFC Life. Insurance policies are underwritten by HDFC Life. Purchase of Insurance Policy is voluntary." ARN: BA/09/21/25428.Read Less
There are 3 plan options available with this product namely:
Single, annual, half-yearly, quarterly and monthly frequencies are available under this product.
Yes, Under Income Plus Option, you will receive a return of 100% of the Total Premiums1 paid as Lumpsum, upon survival till maturity. It is in-built feature in this option.
For other plan options (Life & CI Rebalance, Life Protect), you have to pay an additional premium over and above the premium payable for the base plan option chosen in order to receive a return of 100% of the Total Premiums paid as Lumpsum, upon survival till maturity (Available under Return of Premium add on option).
This maturity benefit will be available for:
1Total Premiums Paid are the total of all the premiums received, excluding any extra premium, any rider premium and taxes. In case ROP option has been selected, Total Premiums Paid includes premium paid for base plan option and the additional premium paid for ROP option.
Yes, “Death Benefit” is payable as a lump sum to your Nominee if you die during the policy term. It is the higher of:
Sum Assured on Death for Single Pay (SP) is the highest of:
Sum Assured on Death for other than Single Pay (Limited Pay and Regular Pay) is the highest of:
- Limited pay means premium paying term is less than policy term
- Regular Pay means premium paying term is equal to policy term
1Total Premiums Paid are the total of all the premiums received, excluding any extra premium, any rider premium and taxes. In case ROP option has been selected, Total Premiums Paid includes premium paid for base plan option and the additional premium paid for ROP option.
Yes, “Death Benefit” is payable as a lump sum to your Nominee if you die during the policy term. It is the highest of:
Sum Assured on Death for Single Pay (SP) is the higher of:
Sum Assured on Death for other than Single Pay (Limited Pay and Regular Pay) is the higher of:
- Limited pay means premium paying term is less than policy term
- Regular Pay means premium paying term is equal to policy term
1Total Premiums Paid are the total of all the premiums received, excluding any extra premium, any rider premium and taxes. In case ROP option has been selected, Total Premiums Paid includes premium paid for base plan option and the additional premium paid for ROP option.
Yes, “Death Benefit” is payable as a lump sum to your Nominee if you die during the policy term. It is the higher of:
Less total Survival Benefits paid out till the date of death
Sum Assured on Death for Single Pay (SP) is the highest of:
Sum Assured on Death for other than Single Pay (Limited Pay and Regular Pay) is the highest of:
- Limited pay means premium paying term is less than policy term
- Regular Pay means premium paying term is equal to policy term
1 Total Premiums Paid are the total of all the premiums received, excluding any extra premium, any rider premium and taxes. In case ROP option has been selected, Total Premiums Paid includes premium paid for base plan option and the additional premium paid for ROP option.
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.
“Accidental death” shall mean death:
Yes, additional benefit is available in the form of Accidental Death Benefit (ADB) add on option. If you choose this add-on option, an additional amount equal to 100% of Basic Sum Assured will be payable to the Nominee on your death due to accident during the policy term. This option will be available only where Life Protect Option has been selected. An additional premium will be payable if this add-on option is chosen.
Critical Illness cover increases at each policy anniversary with corresponding reduction in Life Cover.
At the beginning of the cover, Life Cover SA is set at 80% of Basic Sum Assured and CI SA is set at 20% of Basic Sum Assured. For an in-force policy, at every policy anniversary, starting from the first policy anniversary, CI SA will increase every year and Life Cover SA will decrease by the same amount. This amount will be calculated as follows:
30% X Basic Sum Assured ÷ Policy Term.
Basic Sum Assured (Life Cover SA + CI SA) will remain the same throughout the policy term.
Once a Critical Illness claim is made, the Life Cover SA will be fixed at the then applicable level and the same SA will continue until the end of policy term.
Looking for an easier way to insure yourself and secure your loved one’s happiness? You know that the solution is a term insurance plan and you seek a plan that is convenient to buy and is affordable. HDFC Life Click 2 Protect Life Insurance plan provides comprehensive financial protection to your family, Auto balances Death and Critical Illness benefits with increasing age^ , provides an option to avail cover for Whole of Life* , get back all premiums paid on survival till maturity with Return of Premium option** and many other features as well.
^Available under Life & CI Rebalance Option only
*Available under Life Protect and Income Plus Options only
**Available as an inbuilt feature under Income Plus Option and on payment of extra premium under Life Protect Option (Fixed Term variant) and Life & CI Rebalance Option.
You also have an option to convert the outstanding regular premiums into any limited premium period available under the plan options without any charge/ fee.
You have an option to alter the premium payment frequency during the premium payment term without any charge/ fee.
Premiums 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.