Click 2 Protect Life HDFC Life Insurance

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HDFC Life Click 2 Protect Life is an individual, pure risk premium life insurance plan. This is a non-linked, non-participating term policy that offers added sum assured in case of accidental death through ADB or Accidental Death Benefit rider HDFC Life. The plan comes with a return of premium option in case the insured survives the plan till maturity.

Further, HDFC Life Click 2 Protect Life plan also allows special premium rates for females and for non-tobacco users.

Highlights of Click 2 Protect Life HDFC Life Insurance

check-star Claim settlement Ratio - 99.5 %
check-star Tax Benefits - Available as per prevailing tax laws
check-star Critical Illness Coverage - Available for 36 critical illnesses listed in the policy
check-star Accidental death benefit - Available as an Additional Sum Assured
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Pros & Cons Click 2 Protect Life HDFC Life Insurance

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The plan offers comprehensive monetary protection to the insured and his/her family members
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The plan comes with 3 coverage options to pick and choose from
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The plan auto balances death and HDFC Life critical illness benefit with age
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The insured can get income payouts from 60 years onwards under Income Plus Option of the plan
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There is also the option to avail cover for Whole Life under this plan
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Suicide or attempted suicide or any injury that is intentionally inflicted is not covered
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Injury occurred before the risk commencement date is not covered
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Nuclear reaction, Radioactive or chemical contamination due to nuclear accident etc. are not covered
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Coverage is not offered if the life assured participates in any criminal or unlawful act with criminal intent or for breach of law
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Diagnosis and treatment of critical diseases outside India is also not covered
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Click 2 Protect Life HDFC Life
Insurance Company

HDFC Life Insurance Company was established in the year 2000 when the life insurance business was liberalized in India. Today, HDFC Life Insurance Company works as a joint venture between two reputed names in the financial sector – HDFC Limited, the largest housing finance company in India, and Standard Life Aberdeen which is an international investment company. HDFC Life Insurance Company is a reputed name in the Indian life insurance sector. The company offers a range of insurance solutions that cater to the varied financial needs of individuals as well as its corporate clients.

Founded in
2000
Number of Claims
24+ Lakh
Number of Policies
6.6 crore lives covered
Turnover (GWP)
63,076 Crores
JV Partners
HDFC Limited and Abrdn plc.

Claims Experience

Claims Experience Rating 4.7
check-star % of claims settled in less than 30 days
Reflects on the speed of settling valid claims
97.78%
check-star % of Complaints received on overall claims
% customers unhappy with claims experience
Less
check-star Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
99.5%

Benefits of Click 2 Protect Life HDFC Life Insurance

Key Benefits
Death benefit
Sum assured or 105% of total premium paid.
Maturity benefit
Sum assured on maturity.
Other Benefits
Additional Rider Benefits
Many added riders are available.
Accidental benefit
Nominee will get an additional benefit.
Premium option
Return of Premium (ROP) option
Paid on ROP as a maturity amount.
Waiver of premium option
For listed critical illness.
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There are 3 plan options available with this product namely: ~ Life Protect Option ~ Life & CI Rebalance Option ~ Income Plus Option
There are 36 critical illnesses covered under this plan.
No, plan option that is chosen once while buying the policy cannot be changed throughout the term of the policy.
Single, annual, half-yearly, quarterly and monthly frequencies are available under this plan for paying premium.

Disclaimer

* Tax benefits are subject to changes in tax laws.
#All savings are provided by the insurance company as per the IRDAI approved insurance plan. Standard T&C apply.