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HDFC Click 2 Protect Term Insurance Eligibility

10 reviews Rate This
Claim Settlement Ratio98.01%
Customer Care9:00 AM to 9:00 PM
Death Benefit Paid For12,509 Policies
Presence421 Branches
Total Death Benefit PaidRs. 50.33 Crore

The features of this term insurance plan are as follow:

1. Plan Options - This plan provides you with the flexibility to choose a cover from 3 plan options which include Life Protect Option, Life and CI Rebalance Option, and Income Plus Option.

2. Premium Payment Term - Policyholders are allowed to choose payment terms from 3 options such as single pay term, regular pay term and limited payment term.

3. Premium Payment Frequency - The policy allows policyholders to select different frequencies to make the payment for premium which comprise single, monthly, quarterly, half-yearly, annually.

4. Different Add-on Covers - Some additional covers are offered which policyholders can avail of by paying a little extra premium. The add-on options available under this plan are Return of Premium (ROP) option, Waiver of Premium on CI (WOP CI) Option, Accidental Death Benefit (ADB) Option, Alteration of premium payment frequency, and Option to reduce premium payment term from regular pay to limited pay.

5. Grace Period of Plan - It is the time period offered to policyholders after the premium payment due date during which the plan continues to be in force with the risk cover. Under this policy, the grace period of 30 days from the due date of premium is offered for quarterly, half-yearly and quarterly payment frequencies, while, the grace period of 15 days is provided for monthly payment frequency from the premium due date.

HDFC Life Click 2 Protect Eligibility Criteria

Tabulated below is the eligibility criteria for click 2 protect plan:

Plan Eligibility Criteria

Plan Option

Life and CI Rebalance

Life Protect

Income Plus

Fixed Term

Whole Life

Fixed Term

Whole Life

Min Age At Entry

18 years

18 years

45 years

30 years

45 years

Max Age At Entry

65 years

65 years

65 years

50 years

10 Pay: 50 years Single Pay, 5 Pay: 55 years

Min Age At Maturity

28 years

18 years

Whole of Life

70 years

Whole of Life

Max Age At Maturity

75 years

85 years

Whole of Life

85 years

Whole of Life

Minimum Policy Term

10 years

Single Pay: 1 month Regular Pay: 5 years Limited Pay: 6 years

Whole of Life

70 years – Age at Entry

Whole of Life

Maximum Policy Term

30 years

85 years – Age at Entry

Whole of Life

40 years

Whole of Life

Premium Payment Term

Single Pay, Regular Pay, Limited Pay

(5 to any PPT less than PT)

Limited Pay (5, 10, 15 pay)

Single Pay, Limited Pay (5, 10 pay)

Minimum Basic Sum Assured

Rs. 20,00,000

Rs. 50,000

Maximum Basic Sum Assured

No Limit

Key Inclusions and Exclusions of the Plan

What's Included

  • Provides Survival, Maturity and Death benefits
  • Income payouts are offered from the age of 60 years
  • Auto balance option for critical illness and death cover
  • Critical illness coverage for a list of 36 major illnesses
  • The special premium for women and non-tobacco customers.

What's Not Included

  • If the diagnosis and treatment has been done outside India
  • Participation of the policyholder in a criminal or unlawful act
  • No cover for suicide attempted suicide or self-inflicted injury
  • Injuries or diseases due to war, civil war, terrorist activity, etc.
  • Policyholders under the influence of drugs, alcohol, and so on.

HDFC Click 2 Protect Plan Brochure

  • 304.77 KB
  • PDF Document
  • Jun 22, 2021

Click 2 Protect Plan Reviews

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What users are saying
  • All
  • Flexible Policy Option

    InsuranceDekho offers a wide range of term insurance policies, allowing you to customize your coverage to suit your specific needs. I could easily customise the HDFC Life Term Insurance- Click 2 Protect Plan as per my needs and requirements.

    By Mohit Chadha
    On: Sep 25, 2023
  • Grace Period for Premium Payme...

    InsuranceDekho offers a grace period for premium payment, providing policyholders with a reasonable timeframe to pay their premiums even if they miss the due date for my HDFC Life Term Insurance- Click 2 Protect Plan. This flexibility ensures that your coverage remains intact.

    By Shashi Kumar
    On: Sep 12, 2023
  • Amazing services provided

    I was not able to renew my HDFC Life Term Insurance- Click 2 Protect Plan on my own, I had to contact the helpdesk to get assistance to renew my term plan. The customer care executive helped me renew my term plan. I appreciate the efforts and services provided by InsuranceDekho

    By Sushmita Goswami
    On: Aug 09, 2023
  • My policy was easily renewed.

    I bought the HDFC Life Term Insurance- Click 2 Protect Plan  from the InsuranceDekho website a year ago. I returned to them to renew it. The procedure for doing so was very simple and took very little time. They provided exceptional service.

    By Vanya Jain
    On: Jul 14, 2023
  • Timely Policy Renewal Reminder...

    I appreciate InsuranceDekho's timely reminders for policy renewal. They send out reminders well in advance, ensuring that I don't miss the renewal for my HDFC Life Term Insurance- Click 2 Protect Plan deadline and continue to enjoy uninterrupted coverage. Their proactive approach to customer service is commendable.

    By Nikhil Verma
    On: Jul 05, 2023

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