Riders and Features Associated with HDFC Life Click 2 Protect 3D Plus Plan
Critical Illness Benefit
This rider covers critical illnesses and provides extra financial protection upon the diagnosis of specified critical illnesses.
Critical Illness List:
- Cancer of Specified Severity
- Myocardial Infarction (first heart attack of specified severity)
- Open Heart Replacement or Repair of Heart Valves
- Kidney Failure Requiring Regular Dialysis
- Major Organ / Bone Marrow Transplant
- Coronary Artery Bypass Graft (CABG)
- Multiple Sclerosis with Persisting Symptoms
- Stroke Resulting in Permanent Symptoms
- Coma of Specified Severity
- Permanent Paralysis of Limbs
- Motor Neuron Disease with Permanent Symptoms
- Benign Brain Tumor
- Blindness
- Deafness
- End-Stage Lung Failure
- End-Stage Liver Failure
- Loss of Speech
- Loss of Limbs
- Major Head Trauma
- Primary (Idiopathic) Pulmonary Hypertension
- Third-Degree Burns
- Alzheimer's Disease
- Aplastic Anaemia
- Medullary Cystic Kidney Disease
- Parkinson's Disease
- Systemic Lupus Erythematosus (SLE) with Lupus Nephritis
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. This benefit is available only in the Extra Life and Extra Life Income options.
Accidental Total Permanent Disability
If the policyholder suffers permanent disability (due to accidents) which cannot be rectified by any treatments, they will receive a reduction in future premium rates, thereby lessening the financial load.
Top-up Option
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 purchase 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 undergoing any medical examinations.
Discounts on Premium
The plan offers special discounts and rebates on the premium rates for female lives and non-tobacco users.
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. 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 eligible for tax benefits under Section 80C of the Income Tax Act, and the benefits availed are tax-exempt.
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 is diagnosed with any disease that leads to his/her ultimate death.
Exclusions
- Death 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 was not 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.
Plan Options Available with HDFC Life Click 2 Protect 3D Plus
HDFC Life Click 2 Protect 3D Plus 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, all your premiums will be returned 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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