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

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HDFC Life Click 2 Protect Plus

HDFC Life Click 2 Protect Plus is a pure protection plan that provides comprehensive protection to the users at an affordable price. The plan is designed to provide the customers and their loved ones with a benefit amount in the unfortunate event of death of the policyholder anytime during the policy term. This amount can be used by the family members of the insured person to ease their financial worries by paying any outstanding debts or funds for their day-to-day expenses.

The plan comes with a range of additional coverage options and offers a variety of benefits to the customers. Hence the HDFC Life Click 2 Protect Plus is an ideal comprehensive plan to protect yourself and your loved ones against the uncertainties that life may throw at you.

Let's find out more about the plan's features, benefits, and plan options by going through this article below.

Key Features of HDFC Life Click 2 Protect Plus Plan

The plan offers a wide range of features which make it more valuable for the customers. Given below is a list of all those features. Read along to find out.

  1. Plan Options

    The plan has 4 options- Life Option, Extra Life Option, Income Option, and Income Plus Option. All these options offer different benefits to the users and customers have the freedom to customize their plan with the choice of their cover option as per their convenience.

  2. Monthly Income Benefit

    One very useful feature of this plan is that it offers customers the benefit to set a monthly income structure for their family members, after their death by opting for the income and income plus option.

  3. Flexibility

    With this plan, policyholders can enjoy the flexibility benefit of selecting policy term options and premium paying terms from three available options- single, limited, and regular payment terms.

  4. Life Stage Protection

    The plan has a very useful feature called the ‘Life Stage Protection' feature available under Life Option, which allows policyholders to increase their insurance cover on completing certain key milestones of their life, and that too without submitting any medical reports.

  5. Discounts on Premium

    This plan provides special discounts and rebates on the premium rates for female policyholders and non-tobacco users.

  6. Tax Benefits

    Tax benefits can be availed under this plan as per prevailing laws of tax.

HDFC Life Click 2 Protect Plus Plan Options

As discussed above, there are four plan options available in HDFC Life Click 2 Protect Plus. Customers have to select the plan option at the inception of the policy and the option selected once can't be changed during the tenure of the policy. To help get a clear understanding of these options, we've described all these options below.

  1. Life Option

    Under this option, the nominee of the policyholder gets the coverage amount in the form of a lump-sum payment upon the death of the insured person.

  2. Extra Life Option

    This option provides family members or beneficiaries of the policyholder with an additional lump sum payment if in case the death happens due to an accident.

  3. Income option

    This plan option also provides the coverage amount as a death benefit to the beneficiary of the insured person but in a unique way. Under this option, 10% of the sum assured amount is paid upon death while the remaining 90% is paid in the form of a monthly income for a period of up to 15 years.

  4. Income Plus option

    With this option, the sum assured is paid to the nominee upon the death of the life assured as well as a monthly income to the family for a period of 10 years. A monthly income equal to 0.5% of the sum assured becomes payable for a period of 10 years. The monthly income can be level or increasing at a simple rate of 10% p.a. on each policy anniversary.

Benefits of HDFC Life Click 2 Protect Plus Plan

The plan offers a variety of useful benefits to the policyholders. Given below is a brief explanation of all the benefits. Let's have a look at them.

  1. Death Benefit

    This plan provides death benefits in the amount of sum assured to the nominee of the policyholder in case of the unfortunate death of the life assured during the policy term. The death benefit is offered in different forms under the Life option and Extra life option. Details of the benefit provided are mentioned below.

    Life Option:

    • The death benefit specified is paid in the form of a lump-sum payment upon death.

    Extra Life Option:

    • The Death benefit is paid as a lump sum
    • Additional benefit equal to the sum assured amount is provided in case of accidental death of the policyholder.

    Income Option:

    • 10% of the death benefit paid as a lump sum upon death
    • The remaining 90% of the death benefit is paid in the form of monthly income over the next 15 years (0.5% of death benefit every month for 15 years)

    Income Plus Option:

    • 100% of the death benefit is paid as a lump sum upon death
    • A monthly income equal to 0.5% of the sum assured is provided for a period of 10 years. The monthly income can be level or increasing at a simple rate of 10% p.a. as chosen by the policyholder.
  2. Life Stage Protection Benefit

    This benefit is available under the life option after making the payment of an additional premium.

    With this feature, policyholders can enjoy two benefits that include an increase in cover and reduce the additional cover. Details of these covers are explained below:

    Increasing the cover:

    Under this option, customers can increase their insurance cover without any performing medicals on any one or all of the following events:

    EventsPercentage of increase in sum assuredSubject to maximum additional sum assured
    Marriage50%Rs. 50,00,000
    Birth of 1st child25%Rs. 25,00,000
    Birth of 2nd child25%Rs. 25,00,000

    **Last Updated on 27-04-2021

    Reducing the additional sum assured

    There are certain situations in life when people do not feel the need of having additional insurance coverage anymore. And to serve this purpose, the plan provides policyholders with the flexibility to reduce their additional insurance cover after the age of 45 years. After selecting this option, the sum assured amount resets to the original amount at inception and the premium for the plan is recalculated based on the revised sum assured for the remaining premium paying term.

Riders Available in HDFC Life Click 2 Protect Plus Plan

The plan comes with two additional riders to help customers enhance their protection. Let's find out the details of these riders.

  1. Accidental Disability Rider

    Under this rider, an additional benefit equal to 1% of the rider sum assured is paid to the policyholder per month for the next 10 years, in case of an Accidental Total Permanent Disability. However, there are no maturity benefits available under this rider.

  2. Critical Illness Plus Rider

    This rider provides the policyholders with a lump sum benefit equal to the rider sum assured in case he/she gets diagnosed with any of the 19 critical illnesses and survives for a period of 30 days following the diagnosis. Also, note that the rider provides no maturity benefits.

Eligibility Criteria of HDFC Life Click 2 Protect Plus Plan

To apply for this plan, customers are required to meet the below-mentioned eligibility criteria:

Entry age18 years65 years
Policy term5 years for Life Option and Extra Life Option & 10 years for all other options85 years- Age at Entry for Life Option and Extra Life Option & 40 years for all other options
Sum assuredRs. 25,00,000No limit
Maximum Maturity Age85 years
Premium payment optionsRegular pay, Limited pay, and Single pay
Premium payment frequenciesSingle, annual, half-yearly, quarterly, and monthly.

**Last Updated on 27-04-2021

Exclusions of HDFC Life Click 2 Protect Plus

As per the terms and conditions of this plan, there are certain events under which no benefit is provided to the policyholder. Given below is a list of such exclusions. Let's have a look at this list:

  • Suicidal death ( within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy). However, note that under this exclusion, the nominee receives 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.
  • Intentionally self-inflicted injury or suicide, irrespective of mental condition.
  • Alcohol or solvent abuse, or the taking of drugs except under the direction of a registered medical practitioner.
  • War, invasion, hostilities (whether war is declared or not), civil war, rebellion, revolution, or taking part in a riot or civil commotion.
  • Taking part in any flying activity, other than as a passenger in a commercially licensed aircraft.
  • Taking part in any act of a criminal nature with criminal intent.

How to Buy HDFC Life Click 2 Protect Plus Plan?

Buying this plan is an easy process as it can be done online within a matter of a few clicks To provide you with convenience, we've explained below the online buying process of the plan in a step-by-step manner.

Step 1: Visit the official website of the company at

Step 2: Customise the plan by filling in required details such as plan option, sum assured & policy term.

Step 3: Generate premium quotes for the plan by submitting the required information.

Step 4: Fill in the nomination details and accept the policy terms & conditions.

Step 5:Make a payment of the final premium amount.


1. Does the plan provide maturity benefits?

No, there are no maturity benefits included within this plan.

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

Upon missing the payment date, the policyholder is provided with a grace period of 30 days for yearly, half-yearly, and quarterly frequencies from the premium due date. The grace period for monthly frequency is 15 days from the premium due date. However, if the due premium is not paid by the end of the grace period for regular and limited pay policies, the policy will lapse without value and the policy benefits will be ceased.

3. Can I cancel my policy if I am not satisfied with it?

Yes, you can cancel the policy if you are not agreeable to any policy terms and conditions. The plan offers the option of returning the policy to the company stating the reasons thereof, within 15 days from the date of receipt of the policy. You will be required to submit a letter stating the reason for cancellation along with the original policy documents and the company will refund the premium amount, after making the few necessary deductions.

4. Is it possible to revive the policy once it has lapsed?

Yes, the policy if lapsed can be revived within 5 consecutive years of lapsation. However, the years of lapsation are subject to change as per the terms and conditions of the company. You are advised to speak with the insurance advisor of the company by calling 1800-266-9777.

5. Can I surrender my plan?

Yes, it is possible to surrender the policy anytime in case of a single premium surrender value gets acquired, immediately upon payment of Premium. However, in case of limited pay, upon payment of premiums for 2 years, surrender value gets acquired.

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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