HDFC Life Click 2 Protect Plus Plan

HDFC Life Click 2 Protect Plus is a term plan that provides financial security to the nominee in the event of the policyholder’s demise during the policy term. The plan primarily offers protection through different payout options. You can choose to receive the death benefits either as a lump sum amount or monthly.

If you are looking for flexible coverage, an online-compatible plan, and better protection with riders, the HDFC Life Click 2 Protect Plus plan is best for you. In this article, we will learn more details about this plan.

What is HDFC Life Click 2 Protect Plus Plan?

HDFC Life Click 2 Protect Plus is a non-linked and non-participating term insurance plan. It provides life cover during the policy period. In case the insured person passes away during the policy term, the nominee will get the death benefits. Policyholders can choose the cover options such as lump sum payout, additional accidental riders, monthly payment, etc. The plan is highly flexible, which makes it the most preferred plan in all types of families.

For example, if you have a home loan and other financial liabilities, you must opt for a lump-sum payout. Similarly, if your family needs a monthly income after your demise, you can choose the monthly payout option.

You can also choose the premium payment terms and policy tenure depending on your financial situation.

Overview of HDFC Life Click 2 Protect Plus Plan

HDFC Click 2 Protect Plus Plan is a very beneficial policy that can ensure your family’s financial security in case of your unexpected demise.

Particulars	Details
Plan Name	HDFC Life Click 2 Protect Plus
Type of Plan	Pure term insurance plan
Plan Category	Non-linked, non-participating protection plan
Minimum Entry Age	18 years
Maximum Entry Age	65 years
Minimum Sum Assured	₹25 lakh
Maximum Sum Assured	Subject to underwriting
Policy Term	Usually ranges from 5 years to 40 years, depending on the option selected
Premium Payment Options	Regular pay, limited pay, single pay
Benefit Type	Death benefit only
Maturity Benefit	Not available
Rider Options	Accidental disability rider, critical illness rider
Suitable For	Salaried individuals, self-employed people, young parents, loan borrowers, and family earners

Key Features of HDFC Life Click 2 Protect Plus

The extraordinary features of HDFC Life Click 2 Protect Plus provide extra benefits to the policyholder.

Multiple Coverage Options: The key feature of HDFC Life Click 2 Protect Plus is the multiple coverage benefit. You can select the option according to your family’s financial needs. The options available include life option, extra life option, and income plus option.
Lump Sum and Income Payout Choices: Either you prefer to receive the full death benefit as a one-time payout or the monthly income, HDFC Life Click 2 Protect Plus offers you both choices.
Additional Accidental Death Protection: If you choose the extra life option, you will get an additional accidental death benefit. In case you die due to an accident, the nominee will get the extra amount along with basic coverage.
Life Stage Protection: Under some options, plans also offer you life stage protection. It helps you to increase the sum assured during special events such as child marriage, childbirth, without getting fresh medical tests.
Flexible Premium Payment: HDFC Click 2 Protect Plus Plan offers a flexible premium payment benefit. You can choose one-time pay, limited pay, or regular pay.
Lower premiums for non-tobacco users: If you are a non-tobacco user, you get the benefit of better premium rates. You can get high coverage at a lower premium than tobacco users.
Online Purchase Convenience: You can purchase the plan online and compare details, calculate premiums, and fill out the application form. The online purchase process is easier and faster.

Benefits of HDFC Life Click 2 Protect Plus

Here are some benefits of HDFC Life Click 2 Protect Plus:

Financial Security for Family: The key benefits of HDFC Life Click 2 Protect Plus include financial support to the family if the sole earner passes away. The payout helps the family to manage daily expenses, education costs, rent, etc.
Affordable Life Cover: Term insurance plans offer extensive coverage at lower premiums as compared to traditional life insurance plans. The policy is suitable for people who wish for high protection without paying a high premium.
Customised Payout Options: The plan offers the same benefits to every family. Policyholders can decide if the nominee will get a lump sum or a monthly income. HDFC Life Click 2 Protect Plus Plan is best for all types of families.
Protection Against Loan Burden: If you have a home loan, personal loan, or any other financial liability, your family can use the death benefit to repay debt. It prevents the family from financial pressure.
Helpful for Young Parents: Young parents can use the policy to safeguard their child’s education and other expenses. If you suddenly die, the death benefit can help to pay school fees, higher education, etc.
Additional Protection through Riders: You can add riders with plans such as accidental disability or critical illness riders. It offers extra protection against specific risks.
Tax Benefits: The premiums you pay for HDFC Click 2 Protect Plus are eligible for tax benefits under the income tax laws. The death benefits are also eligible for tax exemption.

Eligibility for HDFC Life Click 2 Protect Plus

Before buying the HDFC Life Click 2 Protect Plus, you must check the eligibility as mentioned below:

Eligibility Factor	Details
Minimum Entry Age	18 years
Maximum Entry Age	65 years
Minimum Sum Assured	₹25 lakh
Maximum Sum Assured	Based on underwriting and insurer approval
Policy Term	Depends on the selected option
Premium Payment Term	Regular, limited, or single pay
Medical Tests	May be required based on age, cover amount, health, and underwriting rules
Available For	Individuals looking for life insurance protection

Additional Riders for HDFC Life Click 2 Protect Plus

If you want to get some extra benefits, you can add the rider to your policy. Here are the riders that HDFC Life Click 2 Protect Plus Plan offers:

Accidental Disability Rider: You can add the accidental disability rider to support the family if you suffer from total permanent disability due to an accident. You get the monthly income for a fixed term, depending on the rider.
HDFC Life Critical Illness Plus Rider: This rider offers a lump sum amount if you are diagnosed with a critical illness listed in the rider terms. Some of the illnesses covered are cancer, heart disease, and kidney failure, etc.

Policy Details of HDFC Life Click 2 Protect Plus

There are some important aspects of HDFC Life Click 2 Protect Plus Plan that you must know:

Death Benefit: If you die during the policy term, the nominee selected by you will get the death benefit. The payout is provided in a lump sum, monthly income, or both.
Maturity Benefit: The plan offers no maturity benefit because it is a term plan only. If you survive till the end of policy tenure, you will not get any benefit.
Grace Period: HDFC Click 2 Protect Plus offers a grace period for premium payment. If you fail to pay the premium by the due date, you can get some extra time to pay without penalty.
Revival of Policy: If you are unable to pay premiums and the policy lapses, you can revive it within the revival period. It depends on company rules, the premium amount, and interest.
Free Look Period: You will get a free look period after receiving policy documents. If you are not satisfied with the terms and conditions of the policy, you can cancel it within this period and get the payment back.
Exclusions: HDFC Click 2 Protect Plus plan has some exemptions, such as different insurance rules in case of suicide during the first year of policy. You must read the document carefully to know the details.

How to Buy HDFC Life Click 2 Protect Plus Plan?

You can easily access the HDFC Life Click 2 Protect Plus plan online by following the steps below:

Visit the official website of HDFC Life to find the plan.
Enter your age, gender, income, life habits, policy term, sum assured, etc. Make sure to enter the details accurately.
Choose the cover depending on your needs. For example, a life option, an extra life option, or an income option.
If you want to add any riders, you can select them from the provided list.
Check the premium amount and compare the cost with the payout and other benefits.
In the application form, you need to provide all your personal, financial, nominee, and medical details accurately. If you enter the wrong details, it will cause problems during claim settlement.
You may need to submit the medical tests depending on your age, health, and sum assured.
Once the application is approved, you need to pay a premium online. Your policy document will be issued after successful processing.

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Conclusion

If you are looking for strong financial protection for your family at low premium rates, HDFC Click 2 Protect Plus is the best option. You get the flexible payout options, additional riders, and online purchase benefits. The plan does not offer maturity benefits because it is a pure term insurance plan.

FAQs

Is HDFC Click 2 Protect Plus a good plan?

Ans. Yes, HDFC Life Click 2 Protect Plus is a good plan with 99% claim settlement ratio. It offers coverage up to 85 years of age and multiple payout options.

What is the difference between HDFC Life Click 2 Protect Life and Protect Super?

Ans. HDFC Life Click 2 Protect Super allows you to opt for a top-up to the cover at the survey date. On the other hand, HDFC Life Click 2 Protect Life has no option for top-up.

HDFC Life Click 2 Protect Plus login?

Ans. To log in to the HDFC Life Click 2 Protect Plus account, you can use the HDFC Life customer portal. Enter registered mobile number, email ID, policy number, etc.

What is the HDFC Life Click 2 Protect Plus rider?

Ans. HDFC Life Click 2 Protect Plus riders offer additional benefits to the policyholder. The key riders are accidental disability riders and HDFC Life Critical Illness Plus riders.

Are the premiums paid under HDFC Life Click 2 Protect Plus tax benefits?

Ans. Yes, premiums paid are eligible for tax benefits. Also, the death benefits are eligible for tax exemption.