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HDFC Term Insurance
HDFC Life Click 2 Protect Supreme is designed to offer comprehensive f ...Read More
A quick read on what this HDFC Term Insurance term plan covers and why it might be a fit for you.
HDFC Life Click 2 Protect Supreme is a pure term insurance plan that provides financial safety to your loved ones in case something unfortunate happens to you during the policy term. This term plan adapts to your evolving lifestyle and life stage needs, ensuring that you and your loved ones remain truly protected.
This plan offers policyholders to choose from 3 plan options: Life, Life Plus, and Life Goal. You also have the option to increase your sum assured up to 200% of the base sum assured.
HDFC Life Click2 Protect Supreme plan offers you a range of benefits including:
A quick honest summary — the strengths and the trade-offs.
Eligibility criteria pulled straight from the policy wording.
Let's understand how the HDFC Life Click 2 Protect Supreme with a simple premium illustration.
Mr. Sharma, 30 years old, a non-smoker wants a a life cover of Rs 1 crores.
He visited PolicyX.com to learn more about term plans. Policyx.com advisors carefully analyze his queries and suggest purchasing HDFC Life Click 2 Protect Supreme Plan.
Let us see a brief illustration of theClick 2 Protect Supreme plan.
| Age | Policy Term | Premium payment Term | Sum Assured | Premium (Monthly) |
| 30 years | 30 years | 30 years | Rs 1 crore | Rs. 1,217 |
Key Takeaways: In case of Mr. Sharma's demise during the policy tenure, Rs 1 crore will be paid to their nominee.
You can add the following riders to your HDFC Life Click 2 Protect Supreme Plan:
In the case of Total Permanent Disability- 1% of the Rider Sum is Assured for 10 years.
Get Lump Sum benefit equivalent to Rider Sum Assured on death/terminal illness/accidental death/Hospitalisation
Three Benefit Options are available under this rider, Personal Accident Cover, Accidental Death Cover, and Cancer Cover.
Two Benefit Options are available under this rider, Comprehensive critical illness Cover, and Cancer Cover.
Key features that make HDFC Click 2 Protect Supreme stand out.
Cancellation in free-look period
You can cancel your policy within a free-look period of 30 days. HDFC Life will issue the refund after deducting applicable charges if you wish to cancel your plan.
Policy Revival
This plan offers you the option to revive your lapsed policy in the revival period mentioned in the policy documents after paying the outstanding premiums and interest charges. The current revival period as per the norms is 5 years and interest charges are applicable at 9.5%. Per annum.
Grace period
This plan offers you a grace period in case of non-payment of premiums. A grace period of 30 days is offered if premiums are paid quarterly, half-yearly, or yearly, and a 15-day grace period is applicable in the event of a monthly payment.
Surrender value
You can get a surrender value if you wish to cancel your policy within the policy tenure. Surrender value is only provided if you have paid a minimum of 2-year premiums and in the rest circumstances policy will be canceled without any surrender value.
Here are the key benefits of the HDFC Click 2 Protect Supreme.
Death Benefits
Death benefits are provided to the nominee in case of the policyholder’s unfortunate demise during the policy tenure.
Maturity Benefits with ROP Option
On survival until Maturity, Sum Assured on Maturity will be payable, which will be equal to 100 % ofthe Total Premiums Paid, if ROP option is selected.
Tax Benefits
You can avail of tax benefits on the premium paid for your policy under the Income Tax Act, of 1961. A tax rebate of a maximum of 1.5 lakhs is provided during a particular financial year.
Here is the list of exclusions associated with the plan:
HDFC Life Click 2 Protect Supreme plan acts as a security cover for your family in your absence. You have understood everything about the HDFC Life Click 2 Protect Elite plan from the above article. If you are still confused about which term plan is best for you then you can contact us at PolicyX.com. One of our insurance representatives will contact you shortly, understand your requirements, and choose a plan that suits your needs. We offer No Spam, No Gimmicks and Only Expert Insurance Advice.
The 5 most-asked questions about HDFC Click 2 Protect Supreme, answered.
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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