Term Insurance

3D stands for Death, Disease & Disability. HDFC Life Click 2 Protect 3D Plus is a comprehensive term plan that provides protection against these 3D’s.

The following plan options are available under this plan.

• Life Option
• 3D Life Option
• Extra Life Option
• Income Option
• Extra Life Income Option
• Income Replacement Option
• Return of Premium Option
• Life Long Protection Option
• 3D Life Long Protection Option

The customer shall have to choose an option at the inception of the policy. The option once selected cannot be changed at a later date.

No, this plan is available on both Online and Offline platforms.

Under this option your nominee will get a Lumpsum Benefit on death or diagnosis of Terminal Illness. Your future premiums will be waived upon Accidental Total Permanent Disability. These benefits are available under all plan options.

In addition to the benefits under Life Option, you will receive an additional benefit of waiver of your future premiums upon diagnosis of Critical Illness under 3D Life option

In addition to the benefits under Life Option, you will receive an additional benefit of waiver of your future premiums upon diagnosis of Critical Illness under 3D Life option.

This option provides the nominee with a Lumpsum benefit and a regular stream of level/ increasing monthly income on death of Life Assured. The customer has to select this Lumpsum benefit, amount of monthly income, income term for which the income payout will happen (upto 20 years) and a simple rate of increase in income.

In addition to the benefits under Income Option, you get an additional Extra Life Sum Assured upon death due to Accident under Extra Life Income option. This additional Sum Assured will be payable partly as Lumpsum and partly as income benefit on accidental death.

In addition to the benefits under Life Option, upon survival of the Life Assured till the end of the Policy term, Total premiums paid till date will be returned back as maturity benefit.

In addition to the benefits under Life Option, Life Assured is covered for whole life under Life Long Protection option. Premiums under this option have to be paid only till an age of 65.

In addition to the benefits under 3D Life Option, Life Assured is covered for whole life under 3D Life Long Protection option. Premiums under this option have to be paid only till an age of 65.

Under this feature, you have the option to increase the basic Sum Assured without underwriting on any of the below specified events in the life of the Life Assured

• 1stMarriage: 50% of Sum Assured subject to a maximum of Rs. 50 lakhs
• Birth of 1st child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs
• Birth of 2nd child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs

This feature is available under all plan options.

This option provides for a systematic increase of your cover from 1st policy anniversary onwards. This option is available under all plan options and has to be opted at policy inception.

You shall have the option to alter the premium payment frequency at any Policy anniversary.

These plan options provide Waiver of Premium benefit if the Life Assured is diagnosed with any of the 34 covered Critical Illness.

For all options other than Life Long Protection and 3D Life Long Protection options – 5 to 40 years For Life Long Protection and 3D Life Long Protection options – Whole of Life

ATPD means when the life assured is totally, continuously and permanently disabled and meets either of the two definitions below:

• Unable to Work:

Disability as a result of injury or accident and is thereby rendered totally incapable of being engaged in any work or any occupation or employment for any compensation, remuneration or profit and he/she is unlikely to ever be able to do so.

• Physical Impairments:

The life assured suffers an injury/accident due to which there is total and irrecoverable loss of:

1. The use of two limbs; or




2. The sight of both eyes; or




3. The use of one limb and the sight of one eye; or




4. Loss by severance of two or more limbs at or above wrists or ankles; or




5. The total and irrecoverable loss of sight of one eye and loss by severance of one limb at or above wrist or ankle.

The disabilities as stated under “Unable to Work” and “Physical Impairments” must have lasted, without interruption, for at least 6 consecutive months and must, in the opinion of a medical practitioner (as defined below), be deemed permanent. The benefit will commence upon the completion of this uninterrupted period of 6 months. However, for the disabilities mentioned in (iv) and (v) under Part (2), such 6 months period would not be applicable and the benefit will commence immediately.

A life assured shall be regarded as terminally ill only if that life assured is diagnosed as suffering from a condition which, in the opinion of two independent medical practitioners’ specializing in treatment of such illness, is highly likely to lead to death within 6 months. The terminal illness must be diagnosed and confirmed by medical practitioners’ registered with the Indian Medical Association and approved by the Company. The Company reserves the right for independent assessment. Terminal illness due to AIDS is excluded. The definition of medical practitioner will be in line with Guidelines on Standardization in Health Insurance, and as defined below: A Medical Practitioner is a person who holds a valid registration from the Medical Council of any State or Medical Council of India or Council for Indian Medicine or for Homeopathy set up by the Government of India or a State Government and is thereby entitled to practice medicine within its jurisdiction; and is acting within the scope and jurisdiction of licence. The person must be qualified in allopathic system of medicine and shall not be the Life Assured himself/herself.

Premiums 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.