How much life insurance is enough?
Use our quick and simple calculator to know what’s ideal for you.
A Non-Linked, Non-Participating, Individual, Pure Risk Premium Life Insurance Plan
1. Available with Smart Exit Benefit - This can be exercised in any policy year greater than 30, but not during the last 5 policy years
The settlement of Claim would be subject to declaration of all pre-existing medical conditions at the time of policy purchase and in accordance to applicable terms and conditions of policy contract.
Death Benefit
“Death Benefit” is payable as a lump sum if life assured dies during the policy term. It is the highest of:
Where,
a) Annualized Premium is the premium amount payable in a year chosen by the policyholder, excluding taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.
b) Total Premiums Paid are the total of all the premiums received, excluding any extra premium, any rider premium and taxes.
c) Basic Sum Assured is the amount of sum assured chosen by the policyholder.
Maturity Benefit
No benefit is payable on survival till end of policy term.
Before buying HDFC life Click 2 Protect Elite
Min. Age at Entry |
18 years |
Max. Age at Entry |
45 years |
Min. Age at Maturity |
33 years |
Max. Age at Maturity |
75 years |
Min. Policy Term |
For 10-Pay: 15 Years For 15-Pay: 20 Years |
Max. Policy Term |
40 years, subject to Maturity Age |
Premium Payment Term |
Limited Pay: 10-Pay and 15-Pay only |
Min. Basic Sum Assured |
INR 2,00,00,000 |
Max. Basic Sum Assured |
There is no maximum limit. However, the acceptance of any case is subject to Board Approved Underwriting Policy (BAUP). |
All ages are expressed as on last birthday. For all ages, risk commences from the date of inception of the contract.
UIN: 101B013V03
Get additional income benefits over and above your Sum Assured in the event of total permanent disability due to an accident
DOWNLOADUIN: 101B014V02
We pay a lump sum amount equal to the Sum Assured upfront if diagnosed with of any of the specified critical illnesses
DOWNLOADUIN:101B016V01
Get protected with a proportion of Rider Sum Assured in case of accidental death or partial/total disability due to accident or diagnosed with Cancer.
DOWNLOADUIN: 101NB031V01
Get lump sum benefit equivalent to Rider Sum Assured on diagnosis of any of the covered 60 Critical Illnesses or benefit as a proportionate of the Rider Sum Assured on diagnosis of Early Stage Cancer / Major Cancer depending on the plan option chosen.
DOWNLOADYour Required life cover to protect your family’s future is
Talk to an
Advisor right away
We help you to choose best insurance plan based on your needs
We’ll tell you everything you need to know about HDFC Life Click2Protect Elite
HDFC Life Click 2 Protect Elite Insurance plan provides financial protection to your family, you pay for a limited duration and get covered for the whole policy term.
Annual, half-yearly, quarterly and monthly frequencies are available under this product.
Yes, as the Policyholder, You can alter the Premium frequency during the Premium Payment Term.
To know detailed information related to exclusions, read Product Brochure.
Smart Exit Benefit will be applicable for policies at all premium payment terms. It can only be exercised after 30th policy year, but not during the last 5 policy years.
Yes, you can opt for any of the following riders:
Premium(s) paid by an individual or HUF under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961, subject to the conditions/ limits specified therein. Under Section 10 (10D) of the Income Tax Act, 1961, the benefits received from this policy are exempt from tax, subject to the conditions specified therein.
Please note that the above mentioned benefits are as per the current tax rules. Your tax benefits may change if the tax rules are changed. You are requested to consult your tax advisor.
ARN - PP/12/23/6970