Why Click 2 Protect Optima Restore?
A Term & Health Combo Plan that covers both your life and medical expenses
Provides comprehensive financial protection to your family
Option to choose a cover which fits your needs from 3 plan options
Get treated on a cashless basis across 10,000 + network hospitals in India
Enjoy various add-on benefits like Restore Benefit, Multiplier Benefit, and Stay Active Benefit
Quick turnaround time - 90% of claim pre-authorization is done within 2 hours
Provides comprehensive financial protection to your family
Option to choose a cover which fits your needs from 3 plan options
Get treated on a cashless basis across 10,000 + network hospitals in India
Enjoy various add-on benefits like Restore Benefit, Multiplier Benefit, and Stay Active Benefit
Quick turnaround time - 90% of claim pre-authorization is done within 2 hours
Right combination of protection and health
Your health benefits are given; you also get to choose your desired protection benefits
Health and Protection benefits in one plan
- Protection Benefits
- Health Benefits
Protection Benefits
Protection Benefits
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Provides comprehensive financial protection to your family
-
Option to choose a cover which fits your needs from 3 plan options
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Auto balances Death and Critical Illness benefits with increasing age^
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Get income payouts from age 60 onwards under Income Plus Option
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Option to avail cover for Whole of Life*
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Get back all premiums paid on survival till maturity with Return of Premium option**
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Disclaimer:
^Available under Life & CI Rebalance Option only
*Available under Life Protect and Income Plus Options only
**Available as an inbuilt feature under Income Plus Option and on payment of extra premium under Life Protect Option (Fixed Term variant) and Life & CI Rebalance Option.
Additional Features
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Waiver of Premium on diagnosis of Critical Illness (through WOP CI option) #
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Additional Sum Assured on Accidental Death (through ADB option) #
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Special premium rates for female lives and non-tobacco users
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Disclaimer:
# WoP on diagnosis of CI is available as in inbuilt feature under Life & CI Rebalance Option and on payment of extra premium under Life Protect Option (Fixed Term variant). ADB option is available on payment of extra premium under Life Protect Option.
Maturity Benefit
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Life & CI Rebalance & Life Protect:
On survival until Maturity, Sum Assured on Maturity will be payable.
Sum Assured on Maturity will be equal to the Total Premiums Paid if ROP benefit is selected, Nil otherwise.
Upon the payment of death or maturity benefit as above, the policy terminates and no further benefits are payable.
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Income Plus:
For Fixed Term:
On Survival until Maturity, Sum Assured on Maturity will be payable.
Sum Assured on Maturity will be equal to Max (110% of Total Premiums Paid less total Survival Benefits paid out, 0)
For Whole Life: NIL
Death Benefit
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Life & CI Rebalance:
“Death Benefit” is payable as a lump sum to your Nominee if you, the Life Assured die during the policy term. It is the highest of:
Sum Assured on Death
105% of Total Premiums Paid
Life Cover SA
Sum Assured on Death for Single Pay (SP) is the higher of:
125% of Single Premium
Sum Assured on Maturity
Sum Assured on Death for other than Single Pay (Limited Pay and Regular Pay) is the higher of:
10 times of the Annualized Premium
Sum Assured on Maturity
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Life Protect & Income Plus:
“Death Benefit” is payable as a lump sum to your Nominee if you, the Life Assured die during the policy term. It is the higher of:
Sum Assured on Death
105% of Total Premiums Paid
Sum Assured on Death for Single Pay (SP) is the highest of:
125% of Single Premium
Sum Assured on Maturity
Basic Sum Assured
Sum Assured on Death for other than Single Pay (Limited Pay and Regular Pay) is the highest of:
10 times of the Annualized Premium
Sum Assured on Maturity
Basic Sum Assured
Check Out The Eligibility Conditions
Before buying Click 2 Protect Optima Restore
ELIGIBILITY CRITERIA
Eligibility Criteria |
Plan Option |
Life & CI Rebalance |
Life Protect |
Income Plus |
Health |
|||
---|---|---|---|---|---|---|---|---|
Fixed Term |
Whole Life |
Fixed Term |
Whole Life |
|||||
Min Age at Entry |
Min. Age at Entry |
18 years |
18 years |
45 years |
30 years |
45 years |
91 days |
|
Max Age at Entry |
Max. Age at Entry |
65 years |
65 years |
65 years |
50 years |
10 Pay: 50 years Single Pay, 5 Pay: 55 years |
65 years |
|
Min Policy Term |
Min. Age at Maturity |
28 years |
18 years |
Whole of Life |
70 years |
Whole of Life |
1 year, 2 year or 3 year Period, (sum insured & benefit will applicable on policy year basis) |
|
Max Policy Term |
Max. Age at Maturity |
75 years |
85 years |
Whole of Life |
85 years |
Whole of Life |
||
Premium Payment Mode |
Min. Policy Term |
10 years |
Single Pay: 1 month Regular Pay: 5 years Limited Pay: 6 years |
Whole of Life |
70 years – Age at Entry |
Whole of Life |
Annual for 1 year policy period and single for 2/3 years policy period |
|
Premium Payment Frequency |
Max. Policy Term |
30 years |
85 years – Age at Entry |
Whole of Life |
40 years |
Whole of Life |
||
Min Age at Maturity |
Premium Payment Term |
Single Pay, Regular Pay, Limited Pay (5 to any PPT less than PT) |
Limited Pay (5, 10, 15 pay) |
Single Pay, Limited Pay (5, 10 pay) |
Life Long on continuous Renewals |
|||
Max Age at Maturity |
Min. Basic Sum Assured |
INR 20,00,000 |
INR 50,000 |
|||||
Minimum Basic Sum Assured |
Max. Basic Sum Assured |
No limit, subject to Board Approved Underwriting Policy (BAUP) |
₹ 3 Lakh/₹ 5 Lakh/₹10 Lakh/ ₹ 15 Lakh/₹ 20 Lakh/ ₹ 25 Lakh/ ₹ 50 Lakh/ ₹ 100 Lakh |
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HDFC ERGO General Insurance Company Limited. CIN: U66030MH2007PLC177117. IRDAI Reg. No.146. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Email id: [email protected], Customer Care: 0120 6234 6234 / 022 6234 6234. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. www.hdfcergo.com.
Click 2 Protect Optima Restore (UIN: 101Y121V03) is a Combi Product with both protection and health benefits. The risks of this product are distinct and are accepted by respective Companies. This version of the product brochure invalidates all previous printed versions for this particular plan. This product brochure is indicative of the terms, warranties, conditions and exclusions contained in the insurance policy. Please know the associated risk and applicable charges from your insurance agent or the intermediary or the policy document of the insurer.
T&C
- For Policies purchased through online channel, a discount of 5.5% on premiums paid towards both Life & Health will be offered as compared to the individual policy purchased under Life & Health. For Policies purchased through other than online channel, a discount of 5% on premiums paid towards Life & Health will be offered as compared to the individual policy purchased under Life & Health. At any time during the validity of the policy, the Customer decides to opt out of the insurance coverage of one of the Insurer, the discount, if any, being offered to such Customer under the Combi-Product(s) shall not be available to the Customer going forward.
- Applicable only for health plan.
- As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.
ARN: PP/06/23/2446