HDFC Life Click2Protect Plus Term Plan

Protect your loved ones in your absence with the HDFC Life Click 2 Protect Plus, a comprehensive protection plan at an affordable price, to protect you and your loves ones through life’s uncertainties. With this term life insurance policy you can choose the cover options and the insurance cover depending on your needs and requirements. Securing your family and their day to day wants in your absence in the form of monthly income under Income & Income Plus Option.

Eligibility of this policy is as mentioned below: 

Particulars

Limits

Age

Minimum 18 years

Maximum 65 years

Maturity age

75 years

Tenure of coverage

Minimum 10 years

Maximum 40 years

Subject to meeting the maximum maturity age.

Documents required: 

  1. Age proof
  2. Identity proof
  3. Address proof
  4. Income proof.
  5. There also may be a requirement for the policyholder to take up a medical test and those document will be required

Based on your plan option chosen, your gender, and your age, the minimum sum assured for this policy will be Rs. 25,00,000. There’s no limit on the maximum sum assured, but this is subject to satisfactory underwriting.

When you have taken up the Click 2 Protect Plus policy, you will have 4 types of premium payment options, the minimum annualized premium will be Rs. 3000, again there’s no annual premium this is subject to satisfactory underwriting again.

Premium Frequency

Conversion Factor

Annual premium

1.0000

Half yearly premium

0.5100

Quarterly premium

0.2600

Monthly premium

0.0875



For all policies bought online, the policyholder will get an 5.5% discount on premium, but the minimum sum assured remains the same of Rs. 3,000.

Features of these plans: 

The HDFC Life Click 2 Protect Plus provides you with 4 different cover options:

  1. Life Cover option: the option gives the nominee of the payout on the death of the policyholder.
  2. Extra Life with accidental death benefit option: The nominee of the policy will receive a lump sum payout as a death benefit in addition an extra sum assured is paid in case of death due to accident.
  3. Income option: Under this the nominee will receive a sum assured payout as well as the remaining amount divided into monthly incomes for the next 15 years.
  4. Income Plus option: Under this option the nominee will receive the sum assured paid on the death of the policyholder and for the next 10 year will receive a monthly income. This monthly income can be even chosen as a normal or increasing income at a rate of 10% p.a.

Benefits of this plan:

  1. Death benefit: In the unfortunate death of the policyholder, the nominee will receive benefits as per the premiums policies chosen, if a single premium policies is chosen then the nominee will receive 125% of a single premium and the sum assured. If the premiums are other than single premiums then the nominee will receive 10 time the annualized premium, 105% of all premiums paid as on the date of demise of the policyholder, sum assured.
  2. Maturity benefit: There isn’t a maturity benefit for this policy.
  3. Life stage protection: This option is available when the policyholder has taken the Life option with an additional premium. This increases the sum assured cover, and reduces the additional cover, which later on can lead to reduction in future premiums.
  4. Tax benefits: Avail of tax benefits under section 80C and 10 (10D) of the Income Tax Act 1961

An example:

Anil Madhusudan, a 28 -year-old MEO in Bangalore, opts for a sum assured of Rs. 2 crore for 20 years at an annual premium of Rs. 15,000. Tragically Mr. Anil passes away after paying seven premiums. Therefore, his nominee gets Rs. 1 crore Sum Assured in addition to Rs. 50,000 as monthly income, which increases at 10% every year, with effect from the policy anniversary of the demise of Mr. Anil.

Frequently asked questions:

  1. Will I need to go through a Medical Test?

    Based on your health status a medical test may or may not be required. Your medical tests will be short and basic (some examples are: blood test, urine test etc.)

  2. Can I more than one online policy?

    Yes, you can buy more than one online policy, if you think and believe you need more than one. The same will be subject to underwriting approval.

  3. How long does it take for processing after you get my documents?

    It will take about 5 - 10 working days to process after receiving all documents and medical tests.

  4. Do I tax benefit with the purchase of this online policy?

    Yes, you will be eligible for tax benefits under section 80c under the Income Tax Act.

GST of 18% is applicable on life insurance effective from the 1st of July, 2017

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Plan Benefits

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HDFC Life Click2Protect Plus Term Plan Reviews

Page 1 of 50 1 2 3 4 5
  • HDFC Life Life Insurance
    "Good Service"
    0.5 3.5/5 "Pretty good"
    I have taken Life insurance through HDFC Life .The agent gave all the required information.The agent gave all the details about the policy .There was no issues faced so far .I am satisfied with the service .The policy documents received on time .I am comfortable with the service so far.
    Was this review helpful? 0
    , chennai
    Reviewed on May 24, 2019
  • HDFC Life Life Insurance
    "Not so Good Policy"
    0.5 1.0/5 "Really Bad"
    In 2004, i have chosen the life insurance policy from HDFC Life. Since i have a savings account with them, the manager has referred me to take the policy from HDFC LIFE. But the policy is expired. After i taken the policy i went to the branch to make the payment but they said my policy got collapsed because of late payment. They said i need to make the payment every year with the amount of Rs. 10,500 which they have not informed earlier and i don't receive any updates regarding this.
    Was this review helpful? 0
    , hyderabad
    Reviewed on May 24, 2019
  • HDFC Life Life Insurance
    "Its Fine"
    0.5 5.0/5 "Blown Away!"
    I have ULIP plan in HDFC Life, if I close the plan within five year take liquidity charges many people not aware of it. Finally they take huge amount. Its a nice plan for life cover, tax saving and other benefits. However if I miss my premium plan wont lapse but charges are higher.
    Was this review helpful? 0
    , bangalore
    Reviewed on May 24, 2019
  • HDFC Life Life Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    I have invested in money back in HDFC. They are very perfect in all the things hence i have chosen the HDFC life. 6 months back, i got this policy. I pay this premium amount of Rs. 10000 every year. Total tenure period of the policy is 5 year with a coverage amount of Rs. 3 lakhs.
    Was this review helpful? 0
    , bangalore
    Reviewed on May 22, 2019
  • HDFC Life Life Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I have taken a life insurance in HDFC LIFE. The policy is for 50 years. Now I am paying premium in the yearly package for the amount of 15 thousands. While getting a policy my agent has given an information about the policy details. I use to do payment through an online.
    Was this review helpful? 0
    , thane
    Reviewed on May 21, 2019
  • HDFC Life Life Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I have purchased the SUPER MONTHLY INCOME PLAN where using it since from last few years. The policy coverage is for self and the premium applying for monthly once with this policy. It has the risk coverage but the policy is comfortable to use.
    Was this review helpful? 0
    , hyderabad
    Reviewed on May 14, 2019
  • HDFC Life Life Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I have purchased the YOUNGSTAR plan with the HDFC LIFE and using it since from last 4-5 years. and it is based on the shares and mutual fund if the share market is high so the returns are higher. I get the intimation regarding the premium paid receipt so i can take the copy of the premium paid bill.
    Was this review helpful? 0
    , thane
    Reviewed on May 11, 2019
  • HDFC Life Life Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am using the HDFC LIFE since from last 12-15 years with this insurance provider. The policy has the maturity period of 20-25years and the premium paying for 3 months once and some with 6 months and some of 1 year once. Coverage is for family and it is a term plan.
    Was this review helpful? 0
    , kolkata
    Reviewed on May 10, 2019
  • HDFC Life Life Insurance
    "Happy with the customer support"
    0.5 3.5/5 "Pretty good"
    I was looking for a housing loan in HDFC . Both interest rate and processing fees also I am convinced . Everything was finalized and even the document verification also completed . But at the last minute , I am not able to process this loan due to some reason . I am really happy with their customer support .
    Was this review helpful? 0
    , chennai
    Reviewed on May 06, 2019
  • HDFC Life Life Insurance
    "Average Service"
    0.5 2.0/5 "Expected more"
    HDFC bank directly approached for 10years policy but it will be completed on 5years ,premium is very high .premium is paid yearly rs.36000 through credit card ,policy documents was delayed ,.the agent gave all information about life insurance .
    Was this review helpful? 0
    , bangalore
    Reviewed on May 02, 2019
  • HDFC Life Life Insurance
    "Better"
    0.5 5.0/5 "Blown Away!"
    I have taken 2 policies before 5 years from HDFC Life. I am make online payment and its more convenient. The benefits are similar like other insurer. I have not contacted the customer service. I got the insurance paper. I have taken a short term with the tenure of 5 years and will get maturity after 17 years.
    Was this review helpful? 0
    , coimbatore
    Reviewed on May 02, 2019
  • HDFC Life Life Insurance
    "AVERAGE"
    0.5 2.0/5 "Expected more"
    The life insurance policy using it since from last few years, the policy gives the coverage for self and also the premium paying for yearly once with this policy, it has given the life coverage also the accidental coverage with this insurance policy.
    Was this review helpful? 0
    , thane
    Reviewed on Apr 30, 2019
  • HDFC Life Life Insurance
    "Life protection policy with good benefits"
    0.5 5.0/5 "Blown Away!"
    I taken a term plan in HDFC life insurance for a sum assured of Rs 50 lakhs till my age of 70 years . While getting a policy my agent has given me a complete information about the policy details . Now I am paying premium in the quarterly package . I am so happy for sending the hard copy in digital era .
    Was this review helpful? 1
    , dehradun
    Reviewed on Apr 29, 2019
  • HDFC Life Life Insurance
    "GOOD"
    0.5 4.5/5 "Excellent!"
    I ma holding the life insurnace policy with the HDFC LIFE where the plan is with online plan the maturity period is of 7yrs paying of premium with 35yrs maturity. The documentation done online, one medical checkup they done, premium paying through online for 3 months once.
    Was this review helpful? 1
    , bangalore
    Reviewed on Apr 29, 2019
  • HDFC Life Life Insurance
    "Satisfied with the service"
    0.5 5.0/5 "Blown Away!"
    My life insurance is with HDFC Life. The customer support is good. There are good benefits and the policy coverage is also good. It was easy to buy the policy and the premium is also nominal too. Till date it has been a good experience and hassle free.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Apr 29, 2019
  • HDFC Life Life Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I have been using the life insurance policy with the HDFC LIFE where i am using it since from last 2 years. It gives the coverage for self, the maturity period of this policy is for long term. The premium paying for yearly once with this policy.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Apr 27, 2019
  • HDFC Life Life Insurance
    "Satisfactory policy"
    0.5 4.0/5 "Great!"
    I have taken the life insurance of 30L which has addon benefits of critical illness and accidental. I have chosen HDFC LIFE after doing online comparison because the premium is less and the tenure is 15 years but I need to pay only for 10 years and remaining 5 years will be paid by the insurer. The policy was started 3 months back with the monthly premium of 1600 rupees. The customer service is good.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Apr 22, 2019
  • HDFC Life Life Insurance
    "Double benefit plan"
    0.5 5.0/5 "Blown Away!"
    I have ULIP it has the locking period of five years, I used to make the premium around Rs. 1 lakh, it get matured after 23 years. I have been with them around three years , they do have tax saving, financial security feature. I have activated ecs for making the payment.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Apr 20, 2019
  • HDFC Life Life Insurance
    "Good for Family Protection"
    0.5 5.0/5 "Blown Away!"
    I have term plan with HDFC Life, I have selected Rs. 1 crore. Yearly I pay Rs.29,000 to the insurer it has the duration of 25 years. They will be providing the lump sum amount to the nominees and second thing they give Rs.50,000 on monthly basis. They disclosed all the terms and condition to me.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Apr 20, 2019
  • HDFC Life Life Insurance
    "Good Insurance company"
    0.5 5.0/5 "Blown Away!"
    I took term plan from HDFC Life, by paying the premium Rs. 16,000 on yearly basis it has sum assured of Rs . 50 lakhs. The lump sum amount paid to the nominee in certain demise, I make the payment through ecs. There is a critical illness cover along with waiver option.
    Was this review helpful? 0
    , kadapa
    Reviewed on Apr 20, 2019
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