Overview
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 and pays for claims made on account of death, permanent disability, and diseases. All in all, HDFC Life Click 2 Protect 3D Plus 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.
Key Benefits of HDFC Life Click 2 Protect 3D Plus
- Whole Life Cover
- Cover for death, disability, and disease
- 9 plan options
- Tax benefits
- Premium top-up option
- Life Stage Protection feature
Riders Associated with HDFC Click 2 Protect 3D Plus Plan
You can add the following riders to your HDFC 3D Plus Plan:
Critical Illness Benefits
It covers critical illnesses and provides extra financial protection upon the diagnosis of critical illnesses.
Accidental Death Benefit
A lump sum amount, consisting of the basic and extra sum insured, is paid for death due to accidents against the payment of an additional premium for the extra sum insured selected. It is present only in Extra Life and Extra Life Income options.
Top-up 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 the policy.
Plan Options
There are nine options available under the HDFC Life Click 2 Protect 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
It 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.
Exclusions
- Death occurred due to a pandemic is not covered by the company.
- Death caused due to any type of adventure sports.
- Death by consumption of any type of drugs and alcohol.
- Death due to any pre-existing disease that isn't mentioned during the start of the policy.
- If a policyholder commits suicide within the first 12 months of purchasing the policy, then no death benefits are paid to their nominee.
Accidental Total Permanent Disability
If the policyholder confronts permanent disability (due to accidents) which cannot be rectified by any treatments, they will receive a reduction in future premium rates. Eventually, the financial load will be lessened.
Death Benefit
With this benefit, if the policyholder dies, 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 are under tax exemption.
Life Stage Benefit
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 Illness Benefit
Under this benefit, the beneficiary of the insured person is provided with the coverage amount if the policyholder gets diagnosed with any disease that leads to his/her ultimate death.
Plan Options Available With HDFC Life Click 2 Protect 3D
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 and 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. |
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