Click 2 Protect Life
  • Understand the plan options available
  • Explore Plan's features & benefits
  • Learn how to buy the plan online

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HDFC Life Click 2 Protect Life

Being the breadwinners of our family, it becomes our responsibility to fulfill the financial obligations of our family members, even when we're no longer around. And to fulfill this responsibility, you need a term life insurance plan. However, as time passes, the financial needs of the people also get changed and a standard term insurance plan might fail to cope with such changing requirements of the modern customers.

Luckily, HDFC Life Insurance recently launched the HDFC Life Click 2 Protect Life plan that meets the insurance needs of modern-day customers. It is an intelligent term insurance plan that provides benefits as per the altering lifestyle and life stage needs of the customers. This plan is designed to provide complete protection to the customers and cover their family's future financial needs.

Thinking of reasons to buy this plan? We'll give you plenty! In the sections below, we've discussed all the plan options, key features, benefits, and eligibility criteria of the plan. So, keep reading along to gain further understanding of the HDFC Life Click 2 Protect Life plan.

HDFC Life Click 2 Protect Life Plan Options

One of the distinctive features of the HDFC Click 2 Protect Life plan is that it has three very useful options packed in. Customers are provided with the benefit of choosing any one of these plan options at the inception of the policy.

Let's have a look at these plan options in detail.

  1. Life & Critical Illness Rebalance

    This is a smart cover option that automatically balances the death and critical illness benefit as the age of the policyholder increases. Under this option, critical illness cover increases at each policy anniversary, and the life cover reduces correspondingly. Another useful benefit of this cover is that if in the future, the policyholder gets diagnosed with any of the covered critical illnesses, then all future premiums are waived off and the life cover continues.

  2. Life Protect

    Under this plan option, a lump sum payment is provided to the policyholder's nominee or beneficiary in case of his/her death.

  3. Income Plus

    This plan provides coverage to the insured person for the entire policy term and a lump sum payout benefit on the maturity date of the policy along with regular income starting from age 60.

    Please note that the plan option once selected cannot be changed during the entire policy term.

Key Features of HDFC Life Click 2 Protect Life

Given below is a complete list of the key features of this plan. Go through the list to find out more about the plan.

Comprehensive Coverage

The plan provides policyholders and their family members with comprehensive coverage to protect and take care of their future financial needs.

Plan Options

There are three options available within this plan and customers can enjoy the benefit of selecting the cover option at their convenience.

Auto balancing Feature

The plan comes with a unique auto-balancing feature that balances both the death and critical illness benefits according to the increasing age of the policyholder.

Return of Premium

With this option, customers can avail the benefit of getting back all premiums paid if in case the insured person survives till the maturity date of the policy.

Premium Waiver

If the customer opts for the Life & Critical Illness Rebalance plan option and gets diagnosed with any of the listed critical illnesses, then all his premium amounts will be waived off for the future.

Premium discounts

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

Benefits of HDFC Life Click 2 Protect Life Plan

HDFC Life Insurance Company has carefully crafted this plan with a variety of benefits and this is another reason why the plan is popular. Given below is a complete list of the benefits offered by this plan. Read along to find out.

  1. Return of Premium (ROP)

    With this option, customers get back the amount of premiums paid by them during the policy period. However, (s)he is required to pay an additional premium amount over and above the premium payable for the base plan option chosen. Upon survival of the policyholder till maturity date, 100% of the total premium amount is paid back in the form of a lump sum payment.

    This add-on option will be available for:

    • All policy terms between 10 and 40 years for Single, Regular, and 5 Pay.
    • All policy terms between 15 and 40 years for 8, 10, and 12 Pay.
  2. Premium Waiver on Critical Illness

    Under this add-on benefit option, all the future premiums payable under the plan are waived off, if in case the insured person gets diagnosed with any of the covered critical illnesses.

  3. Accidental Death Benefit

    This add-on benefit option provides the nominee of the policyholder with an additional amount equal to 100% of the basic sum assured if in case he/she dies due to an accident during the policy term. However, this option is offered only when the policyholder opts for a life protection option.

    • Premium Payment Alteration

      This feature provides the customer with an option to alter the premium payment frequency of the plan during the premium payment term and that too, without charging any additional fee.

    • Reduction in Premium Payment Term

      Under this benefit, the policyholder is provided with an option to convert the outstanding regular premiums into any limited premium period available under the plan options without any fee.

Riders Available in HDFC Life Click 2 Protect Life Plan

To help customers enhance their protection level, HDFC Life Click 2 Protect Life plan comes with a variety of rider options. Let's have a look at these riders.

  1. Accidental Disability Rider

    Within this rider, the policyholder is provided with the benefits equal to 1% of the rider sum assured per month for the next 10 years, if in case (s)he faces any accidental total permanent disability. There is no maturity benefit available under this rider.

  2. Protection Plus Rider

    Under this rider, a proportion of the rider's sum assured amount is provided to the policyholder in case of his accidental death or partial/total disability due to accident or if he/she gets diagnosed with cancer as per the option chosen under this rider. However, there are no maturity benefits available within this rider.

  3. Critical Illness Plus Rider

    This rider allows policyholders to claim lump sum benefit equal to the sum assured amount of the rider if in case (s)he gets diagnosed with any of the 19 listed critical illnesses and survives for a period of 30 days following the diagnosis. There is no maturity benefit available under this rider.

    Here is a list of critical illnesses covered in this rider.

    • 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 (Open, Keyhole or minimally invasive or Robotic Cardiac CABG)
    • Multiple Sclerosis with persisting symptoms
    • Stroke resulting in permanent symptoms
    • Coma of specific 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
    • Apallic Syndrome
    • Major Surgery of Aorta
    • Brain Surgery
    • Fulminant Viral Hepatitis
    • Cardiomyopathy
    • Muscular dystrophy
    • Poliomyelitis
    • Pneumonectomy
    • Severe Rheumatoid Arthritis
    • Progressive Scledorma

Eligibility Criteria of HDFC Life Click 2 Protect Life Plan

The table below highlights the eligibility criteria to buy the HDFC Life Click 2 Protect Life plan. Go through this table if you wish to buy this plan.

Criteria/ Plan OptionLife & Critical illness RebalanceLife ProtectIncome Plus
Age of Entry18 years to 65 years18 years to 65 years30 years to 55 years
Maturity Age28 years to 75 years18 years to 85 years70 years to 85 years
Minimum Policy Term5 years to 40 yearsSingle Pay: 1 month
Regular Pay: 5 years
Limited Pay: 6 years
70 years - Age at Entry
Sum Insured (minimum)Rs. 20,00,000Rs. 50,000
Premium Payment TermSingle Pay/ Regular Pay/ Limited payLimited PaySingle Pay, Limited Pay

**Last Updated on 27-04-2021

Premium Illustration of HDFC Life Click 2 Protect Life Plan

To help you make an informed decision, we've provided here a sample illustration of the different premium amounts of this plan. Refer to the chart below to get an idea about the premium rates of the plan according to the policyholder's age.

Note that the below illustration is for a healthy male person, (non-tobacco user) opting for a sum assured of Rs. 50 lakhs and policy term of 25 years.

Sample premium illustration of HDFC Life Click 2 Protect Life Plan

sample premium chart of Click 2 Protect Life

Exclusions of HDFC Life Click 2 Protect Life Plan

Like most of the other insurance plans, HDFC Life Click 2 Protect Life plan also comes with an exclusion, on the occurrence of which no claim is provided. The exclusion within this plan includes death due to suicide.

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.

How to Buy HDFC Life Click 2 Protect Life Plan?

As a customer, you have two options for buying the HDFC Life Click 2 Protect Life 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 and brokers.

Our team at PolicyX.Com takes pride in calling ourselves a trusted web insurance aggregator and has helped several clients in buying the HDFC Life Click 2 Protect Life plan. So, to enjoy a hassle-free buying experience, you should consider buying this plan from PolicyX.Com.

Given below is a detailed explanation of both these types of buying processes.

Steps to buy from HDFC Life Insurance Company

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

Step 2: Click on '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.

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

Documents Required to Buy HDFC Life Click 2 Protect Life Plan

Given below is a list of supporting documents that the customers are required to submit while buying the plan online.

  • ID Proof
  • Age Proof
  • Proof of Permanent Address
  • Income Proof
  • Passport size photographs


1. What will happen if I fail to submit the premiums on the due date?

The company provides policyholders with 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. Is it possible to change or alter the sum assured or policy term after purchasing the plan?

No. With this plan, the sum assured or policy term once selected cannot be altered.

3. Does HDFC Life Click 2 Protect Life plan offer surrender benefits?

No, there are no surrender benefits under this plan.

4. Are NRIs eligible for purchasing this plan in India?

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

Find Out What 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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