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Why HDFC Life Click 2 Protect Life

Why HDFC Life Click 2 Protect Elite?
 

A Non-Linked, Non-Participating, Individual, Pure Risk Premium Life Insurance Plan

  • Get back all premiums paid in times of financial need1
  • Pay for a limited time and get covered for longer

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.

Your Plan. Your Benefits

  • Click 2 Protect Elite

Click 2 Protect Elite

Check Eligibility Criteria

Before buying HDFC life Click 2 Protect Elite

ELIGIBILITY CRITERIA

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.

Term Insurance is incomplete without riders

Riders in insurance have an important part in contingency planning.
  • icon

    HDFC Life Income Benefit on Accidental Disability Rider

    UIN: 101B013V03

    Get additional income benefits over and above your Sum Assured in the event of total permanent disability due to an accident

    DOWNLOAD
  • icon

    HDFC Life Critical Illness Plus Rider

    UIN: 101B014V02

    We pay a lump sum amount equal to the Sum Assured upfront if diagnosed with of any of the specified critical illnesses

    DOWNLOAD
  • icon

    HDFC Life Protect Plus Rider

    UIN: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.

    DOWNLOAD
  • icon

    HDFC Life Health Plus Rider - Non Linked

    UIN: 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.

    DOWNLOAD

Personal details

Years
Years

Financial details

Your Required life cover to protect your family’s future is

0

The values shown here are only for illustration. The results are generated based on the information provided. It is not intended to be and must not alone be taken as the basis for an investment decision.
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We’ll tell you everything you need to know about HDFC Life Click2Protect Elite

1 Why HDFC Life Click 2 Protect Elite Insurance Plan?

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.

2 What are the premium paying frequencies available for this plan?

Annual, half-yearly, quarterly and monthly frequencies are available under this product.

3 Can I change my premium frequency after the policy has been issued?

Yes, as the Policyholder, You can alter the Premium frequency during the Premium Payment Term.

4 Are there any specific exclusions in this plan?

To know detailed information related to exclusions, read Product Brochure.

5 For what premium payment term, will the Smart Exit Benefit be applicable?

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. 

6 Can Riders be opted along with the plan?

Yes, you can opt for any of the following riders:

  • HDFC Life Income Benefit on Accidental Disability Rider
  • HDFC Life Critical Illness Plus Rider
  • HDFC Life Protect Plus Rider 

7 Does this plan offer tax benefits?

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.

  1. This can be exercised in any policy year greater than 30, but not during the last 5 policy years

ARN -  PP/12/23/6970