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HDFC Life Click2Protect Plus Term Plan

 4.0 / 5.0   by 1184 users
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Plan Benefits

Payment Options

Policy Coverage

Customer Service

Responsiveness

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 HDFC Life 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 policy will be paid a lump sum 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

HDFC Life Click2Protect Plus Term Plan Reviews

Page 1 of 50 1 2 3 4 5
  • HDFC Life Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been holding my life insurance with HDFC LIFE INSURANCE recently in december , they have charge me nominal premium for a yearly basis, and it use to get through on line , and there agent was good they help me to get good policy and they use to update me if any update is there in this policy time to time.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 17, 2019
  • HDFC Life Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been using my life insurance with HDFC LIFE,there service is good, i use to pay my premium on yearly basis , they have charged me up to 5000 rupees ,i use to pay through on line , they are not taken any extra charges,the agent had explain me clearly about there policy coverage.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 17, 2019
  • HDFC Life Life Insurance
    "Insurance for life"
    0.5 5.0/5 "Blown Away!"
    I had taken this insurance policy almost five years back and i had been paying the premium on an annual basis. The premium amount was not too high and the payment method has been easy as well. There has not been any issues faced with the services of them so far.
    Was this review helpful? 0
    , pune
    Reviewed on Jan 16, 2019
  • HDFC Life Life Insurance
    "Very Good Service"
    0.5 4.0/5 "Great!"
    I had taken this insurance policy almost five years back and i had been paying the premium on an annual basis. The premium amount was not too high and the payment method has been easy as well. There has not been any issues faced with the services of them so far.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Jan 13, 2019
  • HDFC Life Life Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have applied my life insurance with HDFC LIFE , there agent was good, they have explained me clearly about the policy benefit, and there coverage, and the premium amount they have charged me was nominal,like i pay premium up to 6000 rupees for two years, it was on yearly basis , and it use to get auto debited from my account.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Jan 08, 2019
  • HDFC Life Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been using my life insurance with HDFC LIFE, there service is good, the agent had explain me about the policy coverage,and about plan benefits clearly, and the premium amount they have charged me on yearly basis, and they have charged me up to 14,000 it is nominal , and i use to pay the premium amount through on line.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 08, 2019
  • HDFC Life Life Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken my life insurance policy with HDFC life,there service is good, there premium they have charged me was nominal, i pay premium on monthly basis, and there agent had properly explain about the plan benefits and policy ,overall service is good.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 07, 2019
  • HDFC Life Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have applied my life insurance with HDFC life, there agent was good, they have explained me clearly about the policy benefit, and there coverage, and the premium amount they have charged me was nominal, it was on yearly basis , and i use to pay premium through on line.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 07, 2019
  • HDFC Life Life Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been using my life insurance with HDFC life insurance, there service is good, there agent had explained me clearly about the policy coverage and benefits,and the premium amount i use to pay in yearly basis, and the premium amount is nominal,and overall service is good.
    Was this review helpful? 0
    , jaipur
    Reviewed on Jan 06, 2019
  • HDFC Life Life Insurance
    "Don't go with HDFC LIFE for Insurance"
    0.5 2.0/5 "Expected more"
    I have invested Rs. 80000 in HDFC LIFE. They have deducted the money from my account but they have not able to generate a bill. Due to the uncertanity, i have not continued with this policy. They charged me twice for single premium. I closed the policy but they have taken long time to return the money anyway it took a long process. I spoke with the call centre regarding this issue but they were not helpful.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 02, 2019
  • HDFC Life Life Insurance
    "Excellent service"
    0.5 4.5/5 "Excellent!"
    I have been using the HDFC Life Insurance policy for long time. they charge nominal premium for this policy it also offers accidental benefits and I make payment through online. so in terms of features and their service it has been a good experience with them. HDFC Life is a recommendable insurance provider.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 02, 2019
  • HDFC Life Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have applied my life insurance with Life insurance corporation of India, there agent was good, they have explained me clearly about the policy benefit, and there coverage, and the premium amount they have charged me was nominal, it was on yearly basis , and i use to pay premium through on line.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 24, 2018
  • HDFC Life Life Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I have chosen the investment plan in HDFC. In 2016, i have taken this policy. I pay the premium of Rs. 40000 per annum. Through online, i make the payment. Total tenure period of the policy is 10 years. This is a tax benefitable policy. I don't remember about the sum assured amount.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 22, 2018
  • HDFC Life Life Insurance
    "Good Benefits after tenure"
    0.5 4.0/5 "Great!"
    I am an existing customer I used to pay the premium around Rs. 25,000 per annum for the total tenure of 10 years. Then I get the benefits with the sum assured value and bonus of the premium and they do have life coverage and I am getting the tax benefits too.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 20, 2018
  • HDFC Life Life Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I hold a life insurance policy with HDFC LIFE from last 7 years and it is a long term policy. I make my premium payments on yearly basis through net banking and i am convenient with the payment options. The returns and benefits are good with this policy and tenure period is 10 years.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 20, 2018
  • HDFC Life Life Insurance
    "GOOD"
    0.5 3.0/5 "Satisfactory"
    I am not satisfied with the service of the HDFC LIFE where i have purchased the life insurance policy with this HDFC LIFE. I have started using it from past few years where the policy is very good. They give the fake promises for this policy....
    Was this review helpful? 2
    , bangalore
    Reviewed on Dec 15, 2018
  • HDFC Life Life Insurance
    "Fine policy for emergency purpose"
    0.5 5.0/5 "Blown Away!"
    Along with my personal loan they have provided me a life insurance policy from HDFC LIFE. I have to pay the premium amount of Rs. 6000 in a year. I used to pay the premium through online. Total tenure period of the policy is 4 years. I'm getting a sum assured amount of Rs. 3 lakhs.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Dec 13, 2018
  • HDFC Life Life Insurance
    "Every salary holder must taken this policy"
    0.5 4.0/5 "Great!"
    I have purchased the HDFC accidental policy nearly 4 years before. I have been paying the premium amount of Rs. 80000. I used to make the premium through my credit card and i covert into EMI basis. This is annual payment mode policy. This policy has coverage value of Rs. 15 lakhs and all my member covered in this policy
    Was this review helpful? 0
    , kolkata
    Reviewed on Dec 13, 2018
  • HDFC Life Life Insurance
    "Yet to experience the policy"
    0.5 4.0/5 "Great!"
    I have purchased a ULIP policy from HDFC Life. 4 months before i have taken this policy. I have been paying the premium amount of Rs. 2000 every month. The sum assured amount is 5 lakhs. This is a tax benefitable policy. Through Internet i have purchased this policy. I make the payment in online by using the debit card.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 11, 2018
  • HDFC Life Life Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I am having a life insurance policy with HDFC LIFE from last 9 years and it is a long term policy. I make my premium payment through online and on yearly basis. I am convenient with the payment options and tenure period for this policy is 15 years. I am happy with the returns and benefits on this policy.
    Was this review helpful? 0
    , kolkata
    Reviewed on Dec 11, 2018
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