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Overview
HDFC Life Click 2 Protect Elite offers a minimum sum assured of ₹2 crore (no upper limit), with a 100% premium refund via the Smart Exit Benefit if you exit after 30 years. Choose from four optional riders- Critical Illness Plus, Accidental Disability, Protect Plus, and Health Plus, for added protection.
The plan also includes a death benefit, surrender value, policy revival, a free-look period, a grace period, and flexible premium payment options (monthly, quarterly, half-yearly, yearly). Sum assured can go beyond ₹2 crore based on income and underwriting, ideal for high, long-term life cover.
Key Benefits of HDFC Life Click 2 Protect Elite
- Affordable premiums
- Death Benefit
- Survival Value
- Tax benefits
- Riders for enhanced protection
Documents Required for HDFC Life Click 2 Protect Elite
- Identity proof (Aadhaar, PAN, Passport, Voter ID)
- Address proof (Aadhaar, utility bill, passport)
- Age proof (birth certificate, PAN, 10th marksheet)
- Income proof (salary slips, ITR, Form 16)
- Passport-size photograph
- Medical reports
Riders for HDFC Life Click 2 Protect Elite
| Rider Name | Coverage | Key Detail |
|---|---|---|
| HDFC Life Critical Illness Plus Rider | 19 specified critical illnesses par lump sum benefit | Diagnosis ke baad claim ke liye 30 din survive karna zaroori hai. Maturity benefit nahi milta. |
| HDFC Life Accidental Disability Rider (Income Benefit) | Total Permanent Disability par Rider Sum Assured ka 1% monthly, 10 saal tak | Monthly income ke roop me payout milta hai, lump sum nahi. Maturity benefit nahi milta. |
| HDFC Life Protect Plus Rider | Accidental death, partial/total disability ya cancer diagnosis par additional benefit | Payout percentage selected option aur covered event par depend karta hai. |
| HDFC Life Health Plus Rider | Health-related coverage, including critical illness/hospitalisation benefits | Base policy ke saath add-on ke roop me available hai. Extra premium lagta hai. |
Exclusions
- Suicide during the first 12 months of policy inception will not be covered.
- Death due to a pandemic is not covered under this plan.
- Injuries or illnesses caused by any type of adventure sports.
- Consumption of any type of drugs or alcohol, except for clinical purposes.
- Any pre-existing disease that is not mentioned at the start of the policy.
