HDFC Life - Click2Protect Life plan with up to Rs. 1 crore life cover starting at Rs. 25/day*
Product highlights
Key features and benefits of this policy
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Learn about the HDFC Life - Click2Protect Plan
A plan that understands and adapts to your needs. Find out more here.
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3 plan options to suit your needs
This plan gives you the option to choose from 3 variants depending on your requirement - Life and Critical Illness Rebalance, Income Plus and Life Protect.
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Rebalance life and critical illness benefits with increasing age
In this variant, the basic sum assured (SA) is split between life (LI) and critical illness (CI) cover. The CI SA increases every year and the Life Cover SA decreases by the same amount to accommodate health care needs that come with age.
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Life Protect variant
Under this variant, the nominee gets a lump sum benefit in case of the insured’s death.
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Regular income from the age of 60
The Income Plus variant offers a life cover and a monthly income of 0.1% of the basic sum assured in arrears, starting from the 60th birthday until death or maturity, whichever occurs earlier.
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Death coverage on all the variants
The nominee will get the sum assured on death or 105% of total premiums paid minus the total survival benefits paid out until death.
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Maturity benefits on all the variants
On survival until maturity, the sum assured on maturity will be payable.
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Accidental Death Coverage (ADC) option
This add-on option gives an additional amount equal to 100% of the basic sum assured to the nominee in case of death due to an accident of the insured individual.
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Critical illness benefit
The applicable critical illness (CI) SA will be payable if the insured individual is diagnosed with any of the covered critical illnesses.
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Alter premium payment frequency
This policy gives the flexibility to change the frequency of premium payments without any charge or fee.
Eligibility criteria and documents required
Anyone can apply for HDFC Life Click2Protect Life plan if you meet the basic criteria mentioned below. If you meet all the eligibility criteria, we will need a set of documents from you to complete your application process.
Eligibility criteria
- Nationality: Indian
- Age (for Life and Critical Illness Rebalance): 18-65 years
- Age (for Life Protect -fixed term): 18 to 65 years
- Age (for Life Protect – whole life): 45 to 65 years
- Age (for Income Plus –fixed term:) 30-50 years
- Age (for Income Plus –whole life – premium paying terms of 10 years): 45-50 years (for premium paying terms of 10 years)
- Age (for Income Plus –whole life – premium paying terms of 5 years or single pay): 45-55 years
Documents required
- Age proof such as birth certificate, passport, Aadhaar card etc.
- Address proof such as Aadhaar card, telephone bill, electricity bill, ration card
- Identity proof such as Voter's ID, passport, driving licence
- Passport-sized photograph of the proposer
- Income proof, such as income tax returns of the previous two years, or bank statement of the previous six months
Step-by-step guide to buy this policy
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Step 1
Click on ‘Get Quote’ to open our online application form.
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Step 2
Enter the required details – name, mobile number, residential PIN code, city and state of residence. Click on ‘Submit’ button.
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Step 3
Share a few more details related to your lifestyle, occupation, education, and income. Then click on ‘View Plans’.
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Step 4
You will see the list of plans available. Choose your desired plan by clicking ‘Buy Now’. Our representative will call you back to help you take an informed decision.
Policy details
Here’s a quick look at the policy details of HDFC Life Click2Protect Life.
- Life and CI Rebalance
- Life Protect
- Income plus
| Policy details | Description |
|---|---|
| Minimum policy term (PT) | 10 years |
| Maximum policy term (PT) | 30 years |
| Premium payment term (PPT) | Single pay, regular pay, limited pay (5 years to any PPT less than policy term) |
| Minimum age at maturity | 28 years |
| Maximum age at maturity | 75 years |
| Minimum basic sum assured (in Rs.) | 20 lakh |
| Maximum basic sum assured | No limit, subject to Board Approved Underwriting Policy (BAUP) |
| Policy Details | Description |
|---|---|
| Minimum policy term (PT) for fixed term | Single pay: 1 month Regular pay: 5 years Limited pay: 6 years |
| Minimum policy term (PT) for whole life | Whole of life |
| Maximum policy term (PT) for fixed term | 85 years minus age at entry |
| Maximum policy term (PT) for whole life | Whole of life |
| Premium payment term (PPT) for fixed term | Single pay, regular pay, limited pay (5 years to any PPT less than PT) |
| Premium payment term (PPT) for whole life | Limited pay (5, 10, 15 pay) |
| Minimum age at maturity (Fixed term) | 18 years |
| Minimum age at maturity (Whole life) | 45 years |
| Maximum age at maturity (Fixed term) | 85 years |
| Maximum age at maturity (Whole life) | Whole of life |
| Minimum basic sum assured (in Rs.) (Fixed term) | 50,000 |
| Minimum basic sum assured (in Rs.) (Whole life) | 50,000 |
| Maximum basic sum assured | No limit, subject to Board Approved Underwriting Policy (BAUP) |
| Policy details | Description |
|---|---|
| Minimum policy term (PT) for fixed term | 70 years minus age at entry |
| Minimum policy term (PT) for whole life | Whole of life |
| Maximum policy term (PT) for fixed term | 40 years |
| Maximum policy term (PT) for whole life | Whole of life |
| Premium payment term (PPT) for fixed term | Single pay, limited pay (5, 10 pay) |
| Premium payment term (PPT) for whole life | Single pay, limited pay (5, 10 pay) |
| Minimum age at maturity (Fixed term) | 70 years |
| Minimum age at maturity (Whole life) | Whole of life |
| Maximum age at maturity (Fixed term) | 85 years |
| Maximum age at maturity (Whole life) | Whole of life |
| Minimum basic sum assured (in Rs.) (Fixed term) | 50,000 |
| Minimum basic sum assured (in Rs.) (Whole life) | 50,000 |
| Maximum basic sum assured | No limit, subject to Board Approved Underwriting Policy (BAUP) |
Key inclusions and exclusions
Here’s a quick look at the inclusions and exclusions under the HDFC Life Click2Protect Life plan:
- Key inclusions
- Key exclusions
| Key inclusions | Description |
|---|---|
| Death coverage on all the variants | Sum assured on death or 105% of total premiums paid minus the total survival benefits paid out until death |
| Sum assured (SA) on death for a single pay | Sum assured will be provided against the highest of 125% of single premium or sum or basic assured on maturity |
| Critical illness (under Life & CI Rebalance variant) | On diagnosis of a critical illness that is covered, the applicable critical illness (CI) SA at the time of diagnosis will be payable |
| Maturity benefit (for fixed-term) under Income Plus | Maximum sum assured on maturity will be equal to 110% of total premiums paid, less the total Survival Benefits paid out |
| Key exclusions | Description |
|---|---|
| For critical illness benefit | Diagnosis of any of the listed critical illnesses or hospitalisation or treatment within 90 days of the risk commencement date |
| Waiting period for critical illness benefit | The insured must survive 30 days after the 'complete diagnosis' of the critical illness condition being claimed |
| For accidental death coverage | If death occurs after 180 days from the date of the accident |
| Suicide | Suicide or attempted suicide or intentional self-inflicted injury by the insured individual |
| Substance abuse | Use of drugs, alcohol, narcotics, or psychotropic substances, not prescribed by a registered medical practitioner |
| Waiting period for accidental death coverage option | Accidental death caused within 180 days of any bodily injury resulting from an accident |
Product information
For complete details on product benefits, features, terms and exclusions, please read the product brochure and policy wordings carefully before buying a policy.
How to raise a claim
Follow these steps to raise claim requests for HDFC Life Click2Protect Life plan.
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Step 1 - Register your claim request
Register the claim request with the insurer through their website, e-mail or by calling their claim assistance contact number.
Contact No.: 1860 267 9999
Email at: service@hdfclife.com -
Step 2 - Submit the required documents
Submit the necessary documents along with the duly filled claim form online or to the nearest branch of the insurer.
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Step 3 - Claim settlement
The claim request will be assessed, and the status will be informed to the claim initiator via e-mail and SMS. It can also be checked online on the insurer’s website.
Documents required for raising a death claim request
Here is the list of documents you need to raise a death claim for HDFC Life Click2Protect Life plan.
- Original policy documents
- Attested copy of death certificate issued by local municipal authority
- Death claim intimation form
- NEFT mandate form attested by bank authorities or copy of cancelled cheque or bank account passbook
- Nominee's photo identity and address proof such as copy of passport, voter identity card, aadhar (UID) card, etc.
- FIR copy or post-mortem report in case of an accidental/ unnatural death
Documents required for raising a critical illness claim request
Here is the list of documents you need to raise a critical illness claim for HDFC Life Click2Protect Life plan.
- Attested copies of medical records/ indoor papers of the hospital
- Critical illness claim form
- Hospital discharge summary
- Hospital bills
- NEFT mandate form attested by bank authorities or copy of cancelled cheque or bank account passbook
- Claimant's photo identity & address proof such as copy of Passport, Voter identity card, Aadhar (UID) card, etc.
Frequently asked questions
There are 3 plan options available:
- Life Protect: It provides Lump Sum amount (Life cover) in case of death during policy term. The life coverage remains constant throughout the policy term.
- Life & CI Rebalance: Provides a balance between Life and Critical Illness benefit with time. The critical illness cover increases after every Policy Anniversary while life cover reduces proportionately. In addition, all future premium(s) are waived off if any of the covered critical illnesses are detected and the life cover continues.
- Income Plus: Provides a life cover along with monthly income of 0.1% of the basic sum sssured in arrears, starting from the 60th birthday until death or maturity of the insured, whichever occurs earlier.
The premium paying frequencies of this plan are - Single, Annual, Half-yearly, Quarterly and Monthly.
Yes. You can convert the regular premium(s) into any limited premium period available under the plan options without any charge/ fee. This change can also be made after the policy has been issued.
Yes. Premiums paid by an individual under this plan can avail of tax benefits under the applicable tax laws.
Whole life insurance cover is where you are covered for your entire life, i.e. as long as you live. Under this plan, you pay a premium for the first 10-15 years and get coverage maximum up to the age of 99 years.
Surrender value is the amount the policyholder gets if he terminates/surrenders the policy before maturity. It is the amount the policyholder will get from the life insurance company if he decides to exit the policy before maturity. A regular premium policy acquires surrender value after the policyholder has paid the premiums continuously for three years.
Maturity value is the amount the insurance company pays to an individual when the policy matures, including the premiums paid and the bonuses, if applicable.
A death coverage is the amount paid (sum assured) in the event of the policyholder's death to the nominee.
The bonus is an additional amount paid by the insurer to the policyholder over and above the invested premiums. It is payable at the time of accidental death (as accumulated) or maturity of the policy.
