Protect yourself and your family with a comprehensive term insurance.
Sometimes the simplest choice is the best one for you. A protection plan is a simple way to get comprehensive protection at an affordable price and protect your loved ones against the uncertainties that life may throw at you.
With a range of plan options, HDFC Life Click 2 Protect Plus is an ideal comprehensive protection plan for you!
The ideal life insurance cover which should be at least 5-10 times your annual income. Simply put, you should have enough life insurance cover so that your family can cover the liabilities and manage for at least 5-7 years without your income
People have enormous faith in the life insurance cover that their employer provides for them. Our research insights tell us that cover provided by the employer typically is equal to the annual income. This isn't adequate. Also, this insurance lasts as long as you are employed with the organization. If you change jobs, start a company of your own or become a freelancer, you won't have the same insurance cover. If these events happen when you are older, the cost of insurance will be higher too
- Life Option: which pays lump sum on death
- Extra Life Option: which pays an additional lump sum on death due to accident
Income option: which pays 10% of the Sum Assured on death with the remaining 90% payable as monthly income over 15 years
Income Plus option: which pays the Sum Assured to the nominee upon the death of the life assured as well as a monthly income to the family for a period of 10 years. A monthly income equal to 0.5% of Sum Assured becomes payable for a period of 10 years. The monthly income can be level or increasing at a simple rate of 10% p.a. on each policy anniversary
|Life Option||Death Benefit|
|Extra Life Option||PDeath Benefit + Accidental Death Benefit|
|Income Option||10% of the Death benefit as a Lump sum with the remaining 90% payable in form of monthly income over a period of 15 years|
|Income Plus Option||100% of Sum Assured is paid on death and a monthly income equal to 0.5% of Sum Assured becomes payable for a period of 10 years. The monthly income can be level or increasing at a simple rate of 10% p.a. as chosen by the policyholder|
Your insurance policy should cover a person till the age he intends to retire. Till a few years ago, this was 60 years. However, in our new age we may have late marriages and having children at a higher age mean responsibilities do not end at 60. Experts suggest a life cover till 65 years, though it may vary according to circumstances.
We will not recommend you a short-term cover of 15-20 years that ends when you are in your 40s. The premium will be very low because you will be insuring yourself for the non-risky years. 40s are perhaps the time when you should have the best possible coverage. If you take fresh insurance at that age, it will be very expensive. You might even be denied a policy because of your health
The requirement for a medical test may or may not arise depending on the underwriting requirements and your health disclosures. Your medical tests will be short and basic (some examples are: blood test, urine test etc.) and rest will depend on your health status. This will be communicated to you by HDFC Life if the requirement arises
At HDFC Life we lend a helping hand by enabling faster settlement of claims and help the family financially at the time of distress. For any assistance or query relating to reporting claims (Death Claims / Critical Illness Claims) your family member may get in touch with us by emailing us at firstname.lastname@example.org and we will get back to you with the details that will be required to process a claim. To help you arrange the documents we have drawn up a list of documents that you may be required to send along with the claims form. This list is for your reference only and the complete list may vary for each claim. You can view this list at the following url: http://www.hdfclife.com/CustomerService/Claims-Claims.aspx Call us on - 1860 267 9999 (Local charges apply) for any assistance / documentation required for processing claims.
Yes. Customer can select his policy term (PT) and premium payment term (PPT). Premium payment term can be equal to or less than the policy term
Yes. Along with C2P3D Plus, customer can opt for Critical Illness Plus Rider and Accidental disability Rider
There is no limit on maximum Sum Assured but will be determined basis underwriters decision on applicants profile
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