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HDFC Life Click 2 Protect 3D Plus provides policyholders and their loved ones with comprehensive financial security. As the name suggests, this term insurance plan offers protection against the 3Ds of insurance: death, disability, and disease. It provides financial protection to the insured person's family at affordable rates & pays for the claim made on account of death, permanent disability, and diseases. All in all, HDFC Life Click 2 Protect Plus Life ensures that your family can fulfill all their dreams even in your absence and makes them financially independent.
HDFC Click 2 Protect 3D Plus Plan offers you a range of benefits including:
Minimum Age - 18 years Maximum Age - 65 years
Maximum Maturity Age - 99 years
Minimum term - 10 years Maximum term - 15 years
Basic Sum Assured: ₹10 Lakhs to no limit.
The policy loan is not available under HDFC Life Click 2 Protect 3D Plus Plan.
Single, Annual, Semi-Annual, Quarterly, and Monthly
Let's understand how the HDFC Click 2 Protect 3D Plus Plan works with a simple premium illustration.
Mr Aggarwal is a 25-year-old non-smoker looking for a term plan that offers lump sum benefits on death or protects you against total and permanent disability.
His financial advisor advised him to buy the HDFC Life Click 2 Protect 3D Plus Plan Work. He visited PolicyX.com.
Let's understand how the Click 2 Protect 3D Plus Plan works for him with a premium illustration table.
Age of policyholder | Monthly Premiums | Annual Premiums | Policy Tenure | Total premiums paid | Sum assured |
35 years | ₹1181/month | ₹14,172/year | 35 years | ₹4,96,020 | ₹1 Crore |
Key Takeaways: If Mr. Gurjeet dies during the policy tenure, his family will receive a lump sum death benefit. If he meets with an accident & becomes totally, permanently disabled, his future premiums will be waived & the policy will continue.
Here are the benefits associated with the HDFC Life Click 2 Protect 3D Plus
If the policyholder confronts permanent disability (though accidents) which cannot be rectified by any treatments will receive a reduction in the future premium rates. Eventually, the financial load will get lessened.
With this benefit, if the policyholder dies then the entire sum insured amount is paid off to his/her nominee in addition to the optional benefits opted by the policyholder. But please note that the death benefit for single pay, regular and limited pay is different.
The premium paid under the HDFC Life term plan is liable to receive tax benefits under section 80C of the Income Tax Act and the benefits availed is under tax exemption.
Life Stage Benefit provides you the choice to increase the sum insured on the occasion of marriage and childbirth at any point during the term of the policy.
Under this benefit, the beneficiary of the insured person is provided with the coverage amount if in case the policyholder gets diagnosed with any disease that leads to his/her ultimate death.
HDFC Life Click 2 Protect 3D Plus Plan Review
You can add the following riders to your HDFC 3D Plus Plan:
It covers critical illnesses and provides extra financial protection on the investigation of critical illnesses.
A lump sum amount of basic and extra sum insured, is paid for death due to accidents against the payment of additional premium for the extra sum insured selected. It is present only in Extra Life and Extra Life Income options.
By choosing this option, you have the chance to increase the policy cover on every anniversary date of the policy. There would be a systematic or fixed increase as determined during the buying of policy.
There are nine options available under the HDFC Life Click2Protect 3D Plus plan and customers can customize their plan by selecting any of these options at their convenience.
Under this feature, policyholders can avail the flexibility to select the policy and premium payment terms at their convenience.
IIt allows the policyholder to increase insurance cover on certain key milestones of life without performing any medicals.
The plan offers special discounts and rebates on the premium rates for female lives and non-tobacco users.
Here is the list of exclusions associated with the plan:
HDFC Click 2 Protect 3D Plus is one of the top term insurance plan that provides complete protection up to the age of 99 years. It protects against death, disability, or disease and offers additional benefits, such as life stage protection, top-up option, premium waiver benefit, etc. If you have doubts or queries regarding the Click 2 Protect 3D Plus plan, you can contact us through the website policyx.com or at 1800-4200-269.
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The policyholder will get a grace period of 15 days for a policy with monthly premium payments. Whereas the 30 days will be given for yearly, quarterly, annually premium payment policies. If you fail to pay premiums even under this limit, then your policy will become elapsed.
A person is declared as permanently disabled- Incapable to involve in any occupation or profession under regular payment of salary or remuneration. Physically impaired to move any of the body parts like loss of one limb, one eyes or both and loss of limbs above wrists or ankle.
The coverage will depend on your requirements. The term can be 5 years to 40 years/50 years applicable to Life, Extra Life, Income, and Extra Life Income option. While in the case of Life-Long Protection and 3D Life Long Protection Option, the coverage will be for the entire life.
The terminal illness must be examined by two specialized medical practitioners which are registered under the medical council of state or council for Indian medicine or homeopathy administered by the Indian government. The practitioner must have proper knowledge in the treatment of the illness. The illness diagnosed must lead to death within 6 months after the diagnosis.
Single Pay:You pay for one time throughout the life of the policy. Regular Pay:Premium pay for a period equal to the duration of the policy Limited Pay:Payment of premium for a selected period of time like 5 to 39 years/49 years for Life, Extra Life, Income, and Extra Life Income option. For Life Long Protection Option, the premium paying term would be 75 years less age of entry. For the 3D Life Long Protection Option, the term for premium is 65 years less age of entry.
Yes, your lapsed policy can be revived as per the terms and conditions governing the company. To revive your HDFC Click 2 Protect 3D Plus, you need to provide the insurer with evidence of insurability and pay all the outstanding premiums and related charges (if any).
The average claim settlement time is 5 days from the time the company receives the documents to the time the claim is dispatched or NEFT is processed.
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