Click 2 Protect 3D Plus
  • Find out about plan's key features
  • Learn about the available plan options
  • Explore plan's eligibility and exclusions

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HDFC Life Click 2 Protect 3D Plus

HDFC Life Click 2 Protect 3D Plus provides comprehensive financial security to the policyholders and their loved ones. The word '3D' in the plan name exemplifies protection against death, disability, and diseases. This means that the plan provides coverage to the policyholder at the time of complete unfortunate incidents like permanent disability due to accidents, terminal illness, and critical illness that arrives suddenly.

It provides financial protection to the family of the insured person at affordable rates & pays for the claim made on the manifestation of death, permanent disability, and diseases. It also offers a discount on purchasing online.

In this section above, we've discussed just an overview of the HDFC Life Click 2 Protect 3D plus plan. To find out more about the plan and its benefits, keep reading along.

Key Features of HDFC Life Click 2 Protect 3D Plus Plan

Given below is a complete list of these features. Let's check them out.

  1. Plan Options

    There are nine options available within this plan and customers can customize their plan by selecting any of these options at their convenience.

  2. Premium payment Flexibility

    Under this feature, policyholders can avail the flexibility to select the policy and premium payment terms at their convenience.

  3. Life Stage Protection

    IIt allows the policyholder to increase insurance cover on certain key milestones of life without performing any medicals.

  4. Discounts on Premium

    The plan offers special discounts and rebates on the premium rates for female lives and non-tobacco users.

Click 2 Protect 3D

Benefits of HDFC Life Click 2 Protect 3D Plus Plan

To provide you with convenience, we've jotted down a complete list of benefits available under the HDFC Life Click 2 Protect 3D Plus Plan. Let's go through the list given below to learn more about these benefits.

  1. Accidental Total Permanent 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.

  2. 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.

  3. Terminal Illness Benefit

    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. However, there are some conditions attached to this benefit. First, the death of the policyholder should happen within 6 months on the detection by a medically approved practitioner. Second, proper diagnosis reports of the policyholder must be submitted to the insurance company.

  4. Life Stage Benefit

    As you grow older, the burden of responsibilities also gets maximized like the marriage of children and childbirth which demands huge expenditures. 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.

  5. 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.

HDFC Life Click 2 Protect 3D Plus Plan Options

There are a total of nine plan options available under the HDFC Life Click 2 Protect 3D Plus plan. All these options offer different types of features. Given below is a brief overview of all these plan options. Let's have a look at them.

Plans With LumpSum Payout Options

  1. Life Option


    • In a death situation, a lump sum amount will be payable to the nominee of the policyholder and the policy will end thereafter.
    • In an accidental permanent disability situation, all future premiums will be lessened to minimize the burden of the policyholder while the policy will remain active.
    • On detection of terminal illness with proper evidence, a lump sum payment of the sum insured is paid to the policyholder.
  2. Extra Life Option


    • In the event of death/terminal illness, a lump sum amount is paid to the beneficiaries and the policy will dissolve after the payment.
    • If death is due to an accident, the amount payable will be the basic sum insured plus the sum insured under accidental death benefit opted as additional cover.
    • In case of complete permanent disability due to an accident, the policyholder will receive the relaxation in future premium rates.
  3. 3D Life Option


    • For death or terminal illness, a lump sum amount will be payable to the nominee which will mark the end of the policy tenure.
    • For Accidental Permanent Disability/ Diagnosis of Critical Illness, all the future premiums will be reduced and the policy will continue to work.
  4. Life Long Protection Option


    • The term of premium payment is calculated on the age of entry i.e. 65 years - Age of Entry. The option is for the whole life.
    • While the accidental permanent disability and death/terminal illness benefit would be the same as all the options.
  5. 3D Life Long Protection Option


    • It covers critical illness and accidental permanent disability benefits in which all the future premiums are reduced if any one of the events happens.
    • A lump-Sum payment is made under the circumstances of death/terminal illness.
  6. Return of premium


    • Maturity benefits- all the premiums paid will be refunded if the policyholder sustains until the policy term period.
    • For Accidental Permanent Disability, all the premiums will be reduced for the future.
    • In the event of death/terminal illness, a lump sum amount of the sum insured is paid to the beneficiaries and the policy will cease to function.

Plans With Lump Sum Plus Monthly Payout Options

  1. Income Option


    • For death or terminal illness, a lump sum amount will be payable to the nominee which will mark the end of the policy tenure.
    • In an accidental permanent disability situation, all future premiums will be lessened to minimize the burden of the policyholder while the policy will remain active.
    • The nominee after the demise of the policyholder will either get a lump sum amount or in the form of monthly increasing income of the sum insured.

    Let's understand this plan option with the help of the following illustration:

    If the sum insured is 60 lakhs and the yearly rate of increase in income is 10%. On death, the monthly income of the sum insured for 10 years would be Rs 50,000 (6 lakhs per year). The nominee will receive Rs 50,000 monthly for a tenure of 10 years which will increase by 10% in the second, third, and following years as described in the following table:

    2nd yearRs 55,000
    3rd yearRs 60,000
    4th yearRs 65,000
    5th yearRs 70,000
    6th yearRs 75,000
    7th yearRs 80,000
    8th yearRs 85,000
    9th yearRs 90,000
    10th yearRs 95,000

    **Last Updated on August, 2021

  2. Extra Life Income option


    • The nominee will receive death and terminal illness benefits through lump-sum payment of the sum insured.
    • Also, waiver of premium on the occasion of permanent disability due to an accident.
    • On accidental death, the extra sum insured purchased for the accidental death rider plus the basic sum insured is paid lump sum. This benefit can also be paid through the regular income of both the sum insured.

    Let's take help from the example given below to understand this option clearly.

    Suppose, a person opts for a sum insured of Rs 1 crore and the extra sum insured is Rs 60 lakhs. The claim payable in the form of monthly income for 10 years constantly is Rs 1,00,000 (of basic sum insured) + Rs 50,000(of extra sum insured) = Rs 1,50,000.

  3. Income Replacement option


    • Future Premium will be waived off for accidental permanent disability.
    • On death or terminal illness, the nominee will receive 12 equal installments of the increased income of the policyholder when the death occurred. Like if the actual income at the time of policy purchase is Rs 8.4 lakhs. The person died after five years of purchase and it was decided that the nominee will get 12 times of increased income per month in a total of 12 installments. The income is increased at 10% on the basic income.

The table below shows a summary of the benefits available under the different options of the HDFC Life Click 2 Protect 3D Plus Plan. Refer to this table to get a more clear picture of the benefits included within each of the 9 plan options.

OptionsDeath BenefitAcceleration of Death Benefit upon terminal illnessPremium waiver on Accidental Total & Permanent DisabilityExtra Life Sum Assured upon accidental deathPremium waiver upon critical illnessReturn of Premium upon maturity
Life Option
Extra Life Option
3D Life Option
Life-Long Protection Option
3D Life Long Protection Option
Return of premium
Income Option
Extra Life Income option
Income Replacement option

**Last Updated on August, 2021

HDFC Click 2 Protect 3D Plus Plan Add on Riders

The add-on benefits available under the HDFC Click 2 Protect 3D Plus plan are listed below.

  1. Critical Illness Benefits

    It covers 34 critical illnesses and provides extra financial protection on the investigation of critical illnesses.

  2. Accidental Death Benefit

    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.

  3. 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 policy.

Eligibility Criteria of HDFC Life Click 2 Protect 3D Plus Plan

The eligibility criteria of this plan are explained in the table below. Go through this table to find out.

Eligibility CriteriaAll Options except Life Long Protection Option & 3D Life Long Protection OptionLife-Long Protection Option & 3D Life Long Protection Option
Age of Entry18 years to 65 years25 years to 65 years
Policy Term5 years to 40 yearsEntire life
Sum Insured (minimum)10 lakhs10 lakhs
Maturity Age23 years to 75 yearsEntire life
Premium Payment ModeSingle Pay/ Regular Pay/ Limited pay- 5 years to 39 yearsLimited Pay= 65 years minus Entry age
Premium Payment FrequencySingle, Annual, Semi-Annual, Quarterly, MonthlyAnnual, Semi-Annual, Quarterly, Monthly

**Last Updated on August, 2021

HDFC Click 2 Protect 3D Plus Plan Exclusions

For your easy reference, here is a complete explanation of the exclusions. Read along to find out more about these exclusions.

Exclusions for Extra life and Extra Income Options

Death happening due to the following events have not covered the plan:

  • Incorporation of drugs, alcohol, or any hallucinogenic substance
  • Participation in war, invasion, hostilities, or criminal acts with criminal purpose.
  • Self-generated harm through suicides or intake of poison.
  • Indulging in a hazardous profession or hobby that carries the risk of life.
  • Taking part in flying activities like paragliding, bungee jumping, etc.
  • Death after 180 days of the accident.

Exclusions for 3D Life-Long Protection Option and 3D Life Option

Under this plan option, deaths happening due to the following reasons are not covered:

  • HIV/AIDS, self-destruction activities, intake of alcohol/drugs/sedatives
  • Death within 30 days after the critical illness is diagnosed.
  • Failure to seek medical advice or implement the same.

How To Purchase HDFC Click 2 Protect 3D Plus Plan?

As a customer, you have two options for buying an HDFC Term insurance plan. This means that you can either buy the plan online from the official website of the company or through third-party intermediaries like agents, brokers, etc. Given below is a detailed explanation of both these types of the buying process.

Steps to buy from HDFC Life Insurance Company

Step 1:Visit the official website of HDFC Life Insurance Company.

Step 2:Go to the 'I want to buy' tab and choose the 'term plan' option.

Step 3:Click on the 'continue' and fill in all the required details.

Step 4:Tap on 'next' and select a plan as per your requirements.

Step 5:Click on the 'buy now' button and make the payment.

Once the payment is made, you will get a payment confirmation at your registered email address.

Steps to buy from

  • Fill the form given on the top of this page with the necessary details.
    Fill Form
  • Select your income and city. Click on 'Proceed'.
    Fill Income and City
  • Update your education and occupation details.
    Update your education and occupation
  • Choose your preferred plan and click on 'Buy this plan'.
    Choose your preferred plan
  • Select policy term, premium period, riders (if required) and then proceed to do the payment.
     proceed to do the payment

HDFC Term Insurance Plans

Insurance Calculator


1. What to do if we fail to submit the premiums on the due date?

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.

2. What are the conditions under an accidental permanent disability?

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.

3. For how many years I can get coverage?

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.

4. What are the conditions under terminal illness?

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.

5. What are single pay, regular pay, and limited pay mode of premium payment options?

  • 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.

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.5/5 (29 Total Rating)

September 21, 2021

Sukhi Singh


very decent customer support at! my benefits and features of click 2 retire was detailed and i have no confusion

September 20, 2021

Kanak Deol


had a good discussion with one the agents at policyx,com! i mean the person was deeply knowlegeable and it was very helpful! Will recommned going forward!

September 20, 2021

Surbhi Verma


I bought the click 2 protect plan to secure myslef...I think policyx did a fab job piking the right plan for me! got a decent bunch of benefits

September 17, 2021

Kanak Goel


This is the second term plan that I m buying from I want to make sure my family has enough after my death so I figured HDFC was a safe bet

September 16, 2021

Kinshuk Chabra


with corona and my brother s death due to it, our entire family was in shock. but I went to personally claim the policy after hs death was policyx which guided me and made sure that process was smooth

Last updated on August, 2021

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