Click 2 Protect Corona Kavach
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HDFC Life Click 2 Protect Corona Kavach

Ever since the outbreak of the COVID- 19 pandemic, the deadly virus has left us all exposed to a higher risk of health diseases. And in this present scenario, it has become even more imperative to invest in an insurance plan that can secure the future financial needs of your family.

And to support people in this regard, the HDFC Life Insurance Company and HDFC Ergo have come together and launched the HDFC Life Click 2 Protect Corona Kavach plan. This plan is designed to support people and help them manage their finances related to the treatment of Novel Coronavirus. The plan has quickly become a need of the hour by providing an easy way to deal with the ever-rising costs of COVID-19 treatment.

Interested in buying the plan? Given below is A detailed explanation of this plan's features and benefits that will help you in establishing a further understanding of the plan and make an informed decision.

Key Features of HDFC Life Click 2 Protect Corona Kavach Plan

With the availability of a number of health insurance plans, selecting appropriate and suitable plans is quite a difficult task. Unfortunately, very few of us are aware of the actual features of the availed policy, so we at PolicyX.Com have prepared a detailed explanation of key features and terms & conditions of HDFC Life Click 2 Protect Corona Kavach. Let's have a look at its features. Given below is a complete list of the plan's key features.

  1. Financial Protection against COVID

    One of the distinguishing and important features of the plan is that it provides special protection to the policyholder against COVID and Co-morbidity illnesses. The plan covers both hospitalizations as well as home care expenses arising due to COVID-19 treatment.

  2. AYUSH Treatment

    Within this plan, medical expenses arising due to COVID hospitalization get covered if treatment of the policyholder is done in any Ayush Hospital (India's medical hospitals and centers including Ayurveda, Yoga, and Naturopathy, Unani, Siddha, and Homeopathy).

  3. Plan Options

    There are 9 options available within this plan and customers have the flexibility of selecting the cover option at their convenience.

  4. Premium Waiver

    The plan offers a premium waiver benefit under which all future premiums are waived if the policyholder faces any accidental total or permanent disability and/or gets diagnosed with any of the listed critical illnesses.

  5. New Born Baby Cover

    The plan also provides financial coverage to the newborn child from day 1.

  6. Whole Life Protection

    Under this plan, customers can avail the benefit of lifelong protection options under which they will be provided with protection for their whole of life.

  7. Premium Discounts

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

  8. Tax Benefits

    The premium(s) paid under this plan are liable to receive tax benefits under section 80C of the Income Tax Act and the benefits availed are under tax exemption.

HDFC Life Click 2 Protect Corona Kavach Plan Options

There are a total of nine plan options available under the protection variant of the HDFC Life Click 2 Protect Corona Kavach 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.

  1. Life Option

    Benefits offered:

    • In a death situation, a lump sum amount will be payable to the nominee of the policyholder and policy will end thereafter.
    • In an accidental permanent disability situation, all future premiums will be waived off 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

    Benefits Offered:

    • In the event of death/diagnosis of 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

    Benefits offered:

    • 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 case of accidental permanent disability or diagnosis of critical illness, all the future premiums will be reduced and the policy will continue to work.
  4. Income Option

    Benefits Offered:

    • On death or diagnosis of 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.
  5. Extra Life Income option

    Benefits offered:

    • 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.

  6. Income Replacement option

    Benefits Offered:

    • 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 total of 12 installments. The income is increased @10% on the basic income.
  7. Return of premium

    Benefits offered:

    • 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.
  8. Life-Long Protection Option

    Benefits Offered:

    • 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.
  9. 3D Life Long Protection Option

    Benefits offered:

    • 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.

To provide you with additional clarity, we've summarized all the options and their respective benefits in the table below:

OptionsDeath BenefitAcceleration of Death Benefit upon terminal illnessA Premium waiver on Accidental Total & Permanent
Extra Life Sum Assured upon accidental deathPremium waiver upon critical illnessReturn of Premium upon maturity
Life OptionХХХ
Extra Life OptionХХ
3D Life OptionХХ
Life-Long Protection OptionХХХ
3D Life Long Protection OptionХХ
Return of premiumХХ
Income OptionХХХ
Extra Life Income optionХХ
Income Replacement optionХХХ

**Last Updated on 27-04-2021

Health Benefits Available under HDFC Life Click 2 Protect Corona Kavach Plan

This plan includes a variety of in-built health policy benefits. We've listed below the cover for each of these benefits. Read along to find out.

  1. COVID Hospitalization Cover

    Under this benefit, the company provides coverage against a variety of medical expenses related to hospitalization during the policy term for the treatment of COVID including treatment of any Co-Morbidity illness up to the sum insured.

  2. Home Care Treatment Expenses

    All the medical expenses incurred on the treatment of COVID at home are covered under this benefit. Note that the cover will be provided for a maximum of up to 14 days per incident for a variety of expenses including-

    • Diagnostic tests have undergone at home or at the diagnostics center
    • Medicines prescribed in writing
    • Consultation charges of the medical practitioner
    • Nursing charges related to medical staff
    • Medical procedures limited to parenteral administration of medicines
    • Cost of a Pulse oximeter, Oxygen cylinder, and Nebulizer
  3. AYUSH Treatment

    This is one of the most important benefits of this plan structure. Under this benefit, the company indemnifies medical expenses covered under “COVID Hospitalization” under any other system of Medicine in case of AYUSH treatment - Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy.

  4. Pre & Post Hospitalization

    In addition to the above-listed benefits, the company also provides coverage against medical expenses incurred 15 days before hospitalization/home care treatment and 30 days post hospitalization/ home care treatment. However, all these expenses are payable if there is a claim payable for hospitalization cover.

Eligibility Criteria of HDFC Life Click 2 Protect Corona Kavach Plan

Eligibility Criteria for Protection Plan

Eligibility CriteriaLife Option3D Life Option, Extra Life Option, Income Option, Extra Life Income OptionIncome Replacement Option, Return of Premium OptionLife-Long Protection Option3D Life Long Protection Option
Entry Age18 to 65 years/td>18 to 65 years18 to 65 years25 to 65 years25 to 65 years
Minimum Policy TermSingle Pay: 1-month Regular Pay, Limited Pay: 5 years5 Years5 YearsWhole of LifeWhole of Life
Premium Payment ModeSingle Pay, Regular Pay,
Limited Pay: 5 years to (84 - Age at Entry)
Single Pay, Regular Pay,
Limited Pay: 5 years to (84 - Age at Entry)
Single Pay, Regular Pay,
Limited Pay: 5 years to (84 - Age at Entry)
Limited Pay : (65 - Age at Entry) or (75 - Age at Entry)Limited Pay : (65 - Age at Entry) or (75 - Age at Entry)
Maturity Age23 to 85 years23 to 85 years23 to 85 yearsWhole of LifeWhole of Life

**Last Updated on 27-04-2021

Eligibility Criteria under Health Plan

Eligibility CriteriaHealth
Category of CoverOn an Individual basis - The sum Insured shall apply to each individual family member.
On Floater basis - Sum Insured shall apply to the entire family
Sum Insured Amount50 Thousand to 5 Lakhs
Policy Period105 days, 195 days, 285 days
Who can BuyA policy can be availed by persons between the age of 18 years up to 65 years.
A policy can be availed for self and family members including a legally wedded spouse, parents and parents-in-law and dependent children.

**Last Updated on 27-04-2021

Premium Illustration of HDFC Life Click 2 Protect Corona Kavach Plan

For your convenience, we've provided here a sample chart to illustrate different premium rates of the HDFC Life Click 2 Protect Corona Kavach plan. This chart shows a graphical representation of how premium rates vary depending upon the age of the policyholder.

Note that the premium amounts in the chart are calculated for a single person (non-corona warrior/health worker) opting for a sum assured of Rs. 1 lakhs, policy term of 6.5 months, and one-time premium payment mode.

**Last Updated on 08-04-2021

Sample Premium Illustration of HDFC Life Click 2 Protect Corona Kavach Plan

sample premium chart of HDFC Click 2 Protect Corona Kavach

Exclusions of HDFC Life Click 2 Protect Corona Kavach Plan

There are certain situations and events that are excluded within this plan and on the occurrence of any of these events, no claim benefit is provided to the policyholder.

One important exclusion within this plan includes death happening due to suicide. As per the terms and conditions of this exclusion, if the policyholder dies due to suicide within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, the nominee or beneficiary of the policyholder shall be entitled to at least 80% of the total premiums paid till the date of death or the surrender value available as on the date of death whichever is higher, provided the policy is in force.

In addition to this, there are some other plan-specific exclusions too. Let's have a look at them as well.

For Extra Life and Extra Life Income Options

There are no accidental death benefits offered by the company if accidental death is caused due to any of the following reasons:

  • Death occurring after 180 days from the date of the accident
  • Intentionally self-inflicted injury or suicide
  • Drugs or Alcohol consumption
  • Death due to war
  • Taking part in any act of a criminal nature with criminal intent
  • Taking part or practicing for any hazardous hobby.

For 3D Life and 3D Life Long Protection options

There are benefits paid if the critical illness is caused due to any of the following reasons:

  • Death happening within 30 days after the diagnosis of any of the listed critical illnesses.
  • Any sickness-related condition manifesting itself within 90 days of the commencement of the policy/date of acceptance of risk or reinstatement of cover.
  • Intentionally self-inflicted injury or attempted suicide.
  • Drugs or Alcohol consumption
  • Taking part in any act of a criminal nature with criminal intent.
  • Failure to seek medical or follow medical advice (as recommended by a Medical Practitioner).
  • Radioactive contamination due to nuclear accident

How to Buy HDFC Life Click 2 Protect Corona Kavach Plan?

Buying HDFC Life Click 2 Protect Corona Kavach plan has now become a simple and easy affair as it can be brought online from the company's official website.

Follow this stepwise guide to buy the plan online:

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

Step 2: Click on the 'Plans' tab from the top menu and select HDFC Life Click 2 Protect Life plan.

Step 3: Click on the 'Buy Online' option.

Step 4: Fill in the required details to calculate the premium for the plan.

Step 5: Select the rider(s) that you want to include in the plan.

Step 6: Click on the tab 'Proceed'.

Step 7: Fill in the form and submit the required documents.

Step 8: Make the final payment of the premium amount.


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.

Yes, there are surrender benefits available within this plan, provided that no prior claim benefits have been made under the policy. For more detailed information, it is suggested that you should refer to the product brochure or talk to the customer support assistant of HDFC Company.

The plan provides coverage against a variety of critical illnesses. The list of these critical illnesses include:

  • 1. Cancer of Specified Severity
  • 2. Myocardial infarction - First heart attack of specified severity
  • 3. Open Heart Replacement or Repair of Heart Valves
  • 4. Kidney Failure Requiring Regular Dialysis
  • 5. Major Organ/ Bone Marrow Transplant
  • 6. Coronary Artery Bypass Graft (Open, Keyhole or minimally invasive or Robotic Cardiac CABG)
  • 7. Multiple Sclerosis with persisting symptoms
  • 8. Stroke resulting in permanent symptoms
  • 9. Coma of specific severity
  • 10. Permanent Paralysis of Limbs
  • 11. Motor Neuron Disease with Permanent Symptoms
  • 12. Benign Brain Tumor
  • 13. Blindness
  • 14. Deafness
  • 15. End-stage lung failure
  • 16. End-stage liver failure
  • 17. Loss of Speech
  • 18. Loss of Limbs
  • 19. Major Head Trauma
  • 20. Primary (idiopathic) pulmonary hypertension
  • 21. Third Degree Burns
  • 22. Alzheimer's Disease
  • 23. Aplastic Anaemia
  • 24. Medullary Cystic Kidney Disease
  • 25. Parkinson's Disease
  • 26. Systemic Lupus Erythematosus (SLE) with Lupus Nephritis
  • 27. Apallic Syndrome
  • 28. Major Surgery of Aorta
  • 29. Brain Surgery
  • 30. Fulminant Viral Hepatitis
  • 31. Cardiomyopathy
  • 32. Muscular dystrophy
  • 33. Poliomyelitis
  • 34. Pneumonectomy
  • 35. Severe Rheumatoid Arthritis
  • 36. Progressive Scledorma

Yes. NRI's who hold dual citizenship and qualify as citizens of India are eligible to purchase this plan.

Find Out What the Customers Are Saying

(Showing latest 5 reviews only)

- 4.1/5 (9 Total Rating)

April 29, 2021

Ravi Sharma

It s been a long i m using hdfc term insurance. The service is very good and commendable. Good going hdfc.

April 29, 2021

Himani Rajan

Really happy with my decision. One of my dear friend told me about hdfc and i must say click 2 protect life plan is very good.

April 29, 2021

Rahul Agnihotri

HDFC is a reliable and a trusted company. Thdey solved my query very easily. I am really satisfied with their services and products

April 29, 2021

Karishma Jain

I bought term insurance from HDFC. At time time i was very confused which is the best plan but hdfc customer care guided me so well

March 18, 2016

Divya Patil

I had opted for HDFC Term Insurance plan through this website. Highly satisfied with the plan as well as the total experience rpovided by the website

Last updated on 27-04-2021

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