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  HDFC Life Click to Protect Plus

Sometimes the simplest choice is the best one for you. A pure protection plan is a simple way to get comprehensive protection at an affordable price and protect yourself and your loved ones against the uncertainties that life may throw at you. With a range of additional coverage options, HDFC Life Click 2 Protect Plus is an ideal comprehensive protection plan for you.

Key Features of this Plan

Comprehensive coverage at affordable cost

Provide financial protection for you and your family

Customize your plan with choice of cover options

  1. Life Option : which pays lump sum on death?
  2. Extra Life Option : which pays an additional lump sum on death due to accident?
  3. Income option : which pays a part of the Sum Assured on death with remaining payable as monthly income over 15 years
  4. Income Plus option :This pays the Sum Assured to the nominee upon the death of the life assured as well as a monthly income to the family for a period of 10 years. A monthly income equal to 0.5% of Sum Assured becomes payable for a period of 10 years. The monthly income can be level or increasing at 10% p.a. on each policy anniversary.

That’s not all! – With Life Stage Protection feature available under Life Option, you can increase your insurance cover on certain key milestones of your life without medicals

Insurance cover available up to age 75 years Single,

Limited and Regular premium payment options to choose from

Attractive premium rates for non tobacco users

Tax benefit as per prevailing tax laws

What is the aim of this plan?

This plan provides a benefit amount in the unfortunate event of death of the Life Assured anytime during the policy term. This amount would help your family to pay any outstanding debts or fund the day to day expenses, thus easing the financial worries of your family.

What are the plan options?

Life Option Death Benefit
Extra Life Option Death Benefit+ Accidental Death Benefit
Income Option Part of the Death benefit as a Lump sum with the remaining payable in form of monthly income over a period of 15 years.
Income Plus Option 100% of Sum Assured is paid on death and a monthly income equal to 0.5% of Sum Assured becomes payable for a period of 10 years. The monthly income can be level or increasing at 10% p.a. as chosen by the policyholder

Who Can Apply?

AGE LIMITS
Minimum Entry age 18 Years
Maximum Entry age 65 Years
Maximum Entry age 75 Years

What period will I be covered for?

You can choose to be covered for any term from 10 years to 40 years subject to meeting the maximum maturity age.

How long do I pay premiums for?

You can choose to pay from either of the 3 premium paying options available with this plan:

Regular pay- you pay premiums throughout the chosen policy term OR

Limited pay- you pay premiums for your chosen policy term less 5 years OR

Single pay – you pay premium once

What premium payment frequencies are available?

Single, annual, half-yearly, quarterly and monthly* frequencies are available under this product.

What amount of coverage can I get?

Your cover (Sum Assured) will be based on your age, gender and plan option within the applicable limits as mentioned below:

Minimum Sum Assured: ` 25,00,000

There is no limit on maximum Sum Assured, subject to satisfactory underwriting

How can i buy this plan?

You can buy this plan at www.hdfclife.com. It just takes 4 steps to own your HDFC Life Click 2 Protect Plus plan.

Customize your plan 1. Plan Option
2. Sum Assured
3. Policy Term
4. Additional Coverage Options
5. Premium Paying Term & Frequency of payment
Generate Premium Quote You will need to fill the following to generate premium quote
1. Age
2.Gender
3. Answer if you consume tobacco or not
Provide your relevant Information Fill in your personal details; answer few questions on your occupation, lifestyle, health and your family’s medical history. You need to fill nomination details and accept the policy terms & conditions
Pay Premiums Pay your premiums! Your policy document will be sent to you subject to acceptance of your application as per the policy terms & conditions

What are the benefits?

The plan covers the event of death under all options as mentioned below. An additional benefit is paid in case of accidental death under Extra Life Option. Plan also offers an opportunity to enhance your cover through Life Stage Protection Feature under Life Option. Benefits will be paid only if you have paid all the due premiums and your policy is in force as on date of claim.

Death benefit

In the unfortunate event of death of life assured during the policy term, the nominee will receive the benefit as defined below:

Single Premium Policies Other then Single Premium Policies
Highest of: Highest of:
125% of Single Premium 10 times the annualized premium
Sum Assured 105% of all the premiums paid as on date of death
Sum assured

For the purpose of the computation of the Death Benefit, the annualized premium shall exclude the underwriting extra premiums and loadings for modal premiums, if any


Under Life Option, the Death Benefit specified above shall be payable in the form of a lump sum upon death. Under Extra Life Option, the Death Benefit specified above shall be payable in the form of a lump sum and an additional benefit equal to the Sum Assured shall be payable in case of accidental death.


Under Income Option, the Death Benefit specified above is paid in the following manner:


10% of the Death Benefit paid as a lump sum upon death

Remaining 90% of the Death Benefit shall be paid as monthly income over next 15 years (0.5% of Death Benefit every month for 15 years)


Under Income plus Option:


100% of the Death Benefit specified above shall be paid as a lump sum upon death

In addition, a monthly income equal to 0.5% of the Sum Assured shall be payable for a period of 10 years.


The monthly income can be level or increasing at 10% p.a. as chosen by the policyholder.

Maturity benefit

No benefit is payable on survival till end of policy term.

Life Stage Protection

(Available under Life option upon payment of an additional premium) You want to be sure you have enough cover as your financial circumstances change as you go on to achieve different milestones in your life. With Life Stage Protection feature you can


Increase your cover (Sum Assured)

Reduce the additional cover later which will lead to proportional reduction in future premiums

Increase your cover:

You can increase your Insurance Cover without any medicals on any one or all of the following events:

Events Additional Sum Assured
(Percentage of sum assured)
Subject to Maximum Additional sum assured
Marriage 50% Rs 50,00,000
Birth of 1st Child 25% Rs 25,00,000
Birth of 2nd Child 25% Rs 25,00,000

Occurrence of these events must be during the term of the policy.

Your premium will be recalculated based on your increased Sum Assured and outstanding policy term.

See Terms & Conditions section for details.

llustration of Life Stage Protection feature

Joy is a 30 year old professional who has purchased HDFC Life Click 2 Protect Plus with Sum Assured of `.10,00,000. On his marriage, he wants to increase his Sum Assured. He opts for the Life Stage Protection Option and his Additional Sum Assured is 50% of the Sum Assured i.e. `. 5,00,000. He becomes a father after 2 years of marriage and opts to increase his cover. His Additional Sum Assured is increased by 25% of his Sum Assured i.e. `. 2,50,000.

Reduce the Additional Sum Assured:

With age as your income is on a rise and as your children become independent, you may realize that you don’t need Additional Insurance Cover anymore. We offer you the flexibility to reduce your Additional Insurance Cover after you have attained age of 45 years. Your Sum Assured will be reset to the original Sum Assured at inception. Your premium will be recalculated based on revised sum assured for the remainder of the premium paying term.

What if i don’t Pay Premium?

Grace Period is the time provided after the premium due date during which the policy is considered to be in-force with the risk cover. This plan has a grace period of 30 days for yearly, half yearly and quarterly frequencies from the premium due date. The grace period for monthly frequency is 15 days from the premium due date. Should a valid claim arise under the policy during the grace period, but before the payment of due premium, we shall still honour the claim. In such cases, the due and unpaid premium will be deducted from any benefit payable. In case you do not pay premiums before the end of grace period, the policy will lapse. All risk covers will cease and no benefits will be payable in case of lapsed policies.

Can I surrender the plan?

You can surrender your policy anytime and get surrender benefit as stated below:

Premium Pay Surrender Value
Single pay Life, Extra Life, Income Option and Income Plus Option : 70% x Single Premium x (Unexpired Coverage Term / Original Coverage Term ):
Regular pay Non Surrender Value
Limited Pay Non Surrender Value

Who will get the benefit?

The benefit on death will be paid to your nominee. As per Section 39 of the Insurance Act, 1938, you can nominate a person to receive the benefit under this policy. During your lifetime and while your policy is in force, you may at any time, by written notice to us, designate any person or persons as a nominee to whom we shall pay benefits under this policy upon your unfortunate death. If you assign your policy as per Section 38 of the Insurance Act, 1938 any nomination made by you will be cancelled.

Who will get the benefit?

The benefit on death will be paid to your nominee. As per Section 39 of the Insurance Act, 1938, you can nominate a person to receive the benefit under this policy. During your lifetime and while your policy is in force, you may at any time, by written notice to us, designate any person or persons as a nominee to whom we shall pay benefits under this policy upon your unfortunate death. If you assign your policy as per Section 38 of the Insurance Act, 1938 any nomination made by you will be cancelled.

Exclusions only for Accidental Death Benefit

We will not pay accidental death benefit if the death occurs after 180 days from the date of the accident. We will not pay accidental death benefit, if accidental death is caused directly or indirectly by any of the following: If the death occurs after 180 days from the date of the accident Intentionally self-inflicted injury or suicide, irrespective of mental condition Alcohol or solvent abuse, or the taking of drugs except under the direction of a registered medical practitioner War, invasion, hostilities (whether war is declared or not), civil war, rebellion, revolution or taking part in a riot or civil commotion Taking part in any flying activity, other than as a passenger in a commercially licensed aircraft Taking part in any act of a criminal nature with criminal intent Taking part or practicing for any hazardous hobby, pursuit or race unless previously agreed to by us in writing