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HDFC Term Insurance
HDFC Life Click 2 Protect 3D Plus is a comprehensive term insurance pl ...Read More
A quick read on what this HDFC Term Insurance term plan covers and why it might be a fit for you.
HDFC Life Click 2 Protect 3D Plus by HDFC Life Insurance offers 3-in-1 protection-death, disability, and critical illness—at affordable premiums. 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. Overall, the HDFC Life Click 2 Protect 3D Plus Review reflects its versatility and value for money.
Some of the major HDFC Life Click 2 Protect 3d Plus benefits include
A quick honest summary — the strengths and the trade-offs.
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
To know about HDFC Life click 2 protect 3d plus plan review in detail. Here we have discussed different plans which come under this term insurance policy.
Eligibility criteria pulled straight from the policy wording.
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.
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.
Key features that make HDFC Life Click 2 Protect 3D Plus stand out.
Plan Options
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.
Premium payment Flexibility
Under this feature, policyholders can avail the flexibility to select the policy and premium payment terms at their convenience.
Life Stage Protection
IIt allows the policyholder to increase insurance cover on certain key milestones of life without performing any medicals.
Discounts on Premium
The plan offers special discounts and rebates on the premium rates for female lives and non-tobacco users.
HDFC Life Click 2 Protect 3D allows you to choose from 9 plan options.
| Plan Options | Benefits |
| Life Option | Under this option, your nominee gets a lump sum benefit on death or diagnosis of terminal illness. |
| 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 a critical illness. |
| Extra Life Option | In addition to the benefits under Life Option, you get an additional life sum assured upon death due to an accident. |
| Income Option | This plan option is ideal if you wish to provide your nominee with a lump sum benefit and a regular stream of income in your absence. |
| Extra Life Income Option | In addition to the benefits under the Income Option, an additional lump sum & Income benefit is paid upon death due to accident. |
| Income Replacement Option | This plan option ensures that your nominee continues to receive the income stream even in your absence. |
| Return of Premium Option | Under this plan option, we will return all your premiums if you survive till the end of the policy term |
| 3D Lifelong Protection Option | In addition to the benefits under the Life Long Protection Option, you will receive an additional benefit of a waiver of your future premiums upon diagnosis of Critical Illness |
| Life Long Protection Option | Your nominee gets a lump sum benefit on death or diagnosis of terminal illness. |
Here are the key benefits of the HDFC Life Click 2 Protect 3D Plus.
Accidental TotalPermanent Disability
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.
Death Benefit
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.
Tax Benefit
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 StageBenefit
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.
Terminal IllnessBenefit
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.
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.
HDFC Click 2 Protect 3D Plus is one of the top term insurance plan that provides complete protection
The 14 most-asked questions about HDFC Life Click 2 Protect 3D Plus, answered.
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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