HDFC Life – Click2Wealth plan with maturity benefits and life cover starting from Rs. 1,000*/month
Key Features
Key features and benefits of this policy
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3 plan options
Flexibility to choose from 3 fund options based on your unique requirements – Invest Plus, Premium Waiver and Golden Years.
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Invest plus
Offers life cover and maximises your returns by providing an accumulated fund at maturity.
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Premium waiver
Waives off all future premiums after the policyholder’s death but the fund continues to grow till the end of the policy term.
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Golden years
Build a corpus of post-retirement fund through accumulated fund and get life coverage till 99 years of age.
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Minimal fund charges
Only fund management and mortality charges (fee imposed for life cover) are levied on your returns.
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11 fund options with unlimited free switching
Choose from 11 different funds such as equity, bond and hybrid funds and switch between them whenever you want without any charges.
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Special additions
1% of the annualised premium is added to your fund value as special additions.
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Return of Mortality Charges
The charges deducted for providing life cover are added to the fund value and paid back to you on maturity.
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Multiple premium payment options
Pay premiums as single pay (one-time lump sum), regular pay (same as policy term) and limited pay (less than life cover duration).
Eligibility criteria and documents required
Anyone can apply for HDFC Life Click2Wealth plan as long as you meet these basic criteria mentioned below. If you meet all the eligibility criteria, you will need a set of documents to complete your application process.
Eligibility criteria
- Nationality: Indian
- Age at entry: 30 days to 60 years
Documents required
- Photograph of the proposer
- Age proof, such as PAN card, Passport, Voter’s ID, Birth Certificate
- Address proof, such as telephone bill, electricity bill, Aadhar card, etc.
- Identity proof such as Aadhar card, Passport, PAN card, etc.
- Income proof such as Form-16, salary slips, employment certificate, etc.
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 – amount you want to invest, name, date of birth, and contact number.
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Step 3
Choose your preferred plan from the list of products shown by clicking ‘Buy Now’.
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Step 4
Our representative will call you back and explain the products available for you to take an informed decision.
Policy details
Here’s a quick look at the policy details of HDFC Life Click2Wealth.
- Invest plus
- Premium waiver
- Golden years
| Policy details | Description |
|---|---|
| Policy type | Individual (self only)/ family floater |
| Minimum premium (in Rs.) | Single premium: 24,000 | Annual Premium: 12,000 | Half-yearly Premium: 6,000 | Quarterly Premium: 3000 | Monthly Premium: 1,000 |
| Maturity age | 18 – 75 years |
| Policy term | 10 – 40 years |
| Policy details | Description |
|---|---|
| Policy type | Individual (self only)/ family floater |
| Minimum premium (in Rs.) | Single Premium: 24,000 | Annual Premium: 12,000 | Half-yearly Premium: 6,000 | Quarterly Premium: 3000 | Monthly Premium: 1,000 |
| Maturity age | 18 – 75 years |
| Policy details | Description |
|---|---|
| Policy type | Individual (self only)/ family floater |
| Minimum premium (in Rs.) | Single Premium: 24,000 | Annual Premium: 12,000 | Half-yearly Premium: 6,000 | Quarterly Premium: 3000 | Monthly Premium: 1,000 |
| Maturity age | 99 years |
| Policy term | 99 minus the age at entry |
Key inclusions and exclusions
Here’s a quick look at the inclusions and exclusions under the HDFC Click2Wealth Plan:
- Key inclusions
- Key exclusions
| Key inclusions | Description |
|---|---|
| Investment fund options | Choose from equity plus, diversified, blue chip, and equity advantage funds |
| Premium waiver benefit | All future premium payments shall be waived off if the insured meets their untimely demise |
| Invest Plus option | Provides life cover and an accumulated fund value at the time of maturity |
| Golden Years benefit | Build the fund's value while simultaneously having a life cover for your entire life |
| Key exclusions | Description |
|---|---|
| Suicide | The nominee will receive the fund value as available on intimation of death |
| Other exclusions | Failure to take medical advice, involvement in criminal activity |
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 claim
Follow these steps to raise claim requests for HDFC Life Click2Wealth 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.
1. Contact No: 1860 267 9999
2. 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 claim for HDFC Life Click2Wealth 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 Click2Wealth 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
Under the Premium Waiver option, this plan waives off all future premium(s) in the event of the proposer's death. The future premiums are paid off by the insurer to ensure that the fund continues to grow. The policy continues with risk cover and the accumulated fund value is paid to the life assured on maturity. This plan is there’s no interruption in creating a corpus for achieving the long-term goals of the dependents.
Under the Golden Years Benefit option, the insured pays premiums for a limited term (till the age of 70 years at max) and enjoys life cover till the age of 99 years. The policyholder can also opt for a systematic withdrawal facility to generate recurring post-retirement income for the accumulated fund.
A whole life insurance coverage provides coverage for your entire life. Under this plan, you pay a premium for the first 10-15 years and get coverage for up to a maximum of 99 years.
ULIPs provide the option of both insurance and investment under a single plan. The investment risk under these plans is borne by the policyholder. On the other hand, 'traditional' plans provide benefits like risk cover and fixed income returns. These plans are good for people who have less risk appetite.
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.
