HDFC Life Click 2 Protect 3D Plus
- 9 Plan Options
- Whole life coverage
- Rider benefits
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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.
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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I am a passionate content writer with over three years of experience in the insurance domain. An avid learner, I always tries stays ahead of the industry's trends, ensuring my writing remains fresh and includes the latest insurance shifts. Through my work, I strive to engage with targeted insurance readers.
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