HDFC Click to Protect Supreme Plus

HDFC Life Click 2 Protect Supreme Plus is a pure term insurance plan designed fo ...Read More

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100K+

Happy Customers

PolicyX is one of India's leading digital insurance platform

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DIVYA SINGH
Written By:
DIVYA

DIVYA SINGH

Term and Life Insurance

Divya Singh is an associate writer at PolicyX.com with over 1 year of experience in creating diverse forms of content. She specializes in breaking down complex terms and life insurance topics into clear, practical insights for readers. Her approach combines thorough research with a simple, engaging style, ensuring that customers can understand policies without confusion.

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Reviewed By:
Apeksha Parsai

Apeksha Parsai

Term & Health Insurance

Apeksha has trained young minds about the benefits of health & term insurance throughout her 8+ years career. She designs, develops, and delivers impactful training programs for agents/brokers, and internal teams. Her expertise lies in insurance product knowledge, sales strategies, regulatory compliance, and customer service.

HDFC Click to Protect Supreme Plus

HDFC Life Click 2 Protect Supreme Plus is a pure term insurance plan designed for long-term family protection, with flexible features. It provides multiple plan options, high life cover, and payout choices to match the changing needs. You can choose return of premium, increase coverage at life, and add riders for spouse, accidents, or child protection. The policy includes a premium waiver on disability or critical illness, terminal illness cover, and fast claim payouts. HDFC Life has a strong claim record. Its individual death claim settlement ratio was 99.68% for FY 2024-25, with ₹2,060 cr paid to beneficiaries.

HDFC Click to Protect Supreme Plus plan offers various benefits, including:

why-choose
  • Comprehensive Financial Protection
  • Flexible Plan Options
  • Additional Protection
  • Wellness Benefits
  • Specific Payouts

Eligibility Criteria for HDFC Click to Protect Supreme Plus

Your Occupation

Entry age

18 years

Mukhyamantri Amrutam Yojana

Maturity age

85 years

Your Gender

Policy term

Minimum- 5 years, Maximum- 65 years – Age at Entry

Maternity Benefit Rider

Sum assured

INR 50,000

Dr YSR Aarogyasri Trust

Policy loan

No loan

Maternity Benefit Rider

Payment modes

Half-yearly, monthly, quarterly

How does this plan work? 

Let's understand how the HDFC Life Click 2 Protect Supreme Plus work with a simple premium illustration.

Why Buy Term Insurance Online?

Problem

Mr. Verma wants a pure protection policy with high life cover. He wants flexible payout options and the ability to adjust cover as his responsibilities increase. 

Solution

Mr. Verma chose  HDFC Life Click 2 Protect Supreme Plus for its reliable protection and flexible plan options. At policy inception, he selected the Life Plus option for added accidental death coverage. He chose limited pay. The policy enables nominee payouts as a lump sum or installments and lets him increase cover at major life stages. 

Let us see a brief illustration of  the Click 2 Protect Supreme Plus plan.

Age Policy Tenure Premium payment Term Sum Assured Premium (Monthly) Annual premium 
30 years 35 years 10 years Rs 1 crore Rs. 1,217  Rs. 25,000

Key Takeaways: In case of Mr. Verma's demise during the policy tenure, Rs 1 crore will be paid to their nominee.

 

Benefits of HDFC Click to Protect Supreme Plus

Here are the benefits associated with the HDFC Click to Protect Supreme Plus

Tired of Pushy Sales? Get Insurance, Your Way Tired of Pushy Sales? Get Insurance, Your Way

Riders Associated with HDFC Life Click 2 Protect Supreme Plus Plan

You can add the following riders to your HDFC Life Click 2 Protect Supreme Plus Plan:

Accidental Disability Rider

term insurance planThis rider pays 1 percent of the rider's sum assured every month for 10 years. This benefit is payable on accidental total and permanent disability.

LiveWell Rider

It offers multiple protection options under one rider. You can get a lump sum payout on death, terminal illness, accidental death, or hospitalisation. You recieve proportionate payout on an accident related to disability or listed surgeries.

Health Plus Rider

This rider covers up to 60 critical illnesses. You will get a full lump sum on a major critical illness. It pays a proportionate benefit for early-stage or major cancer, based on the option chosen. Also, it helps manage treatment and recovery costs.>

Features of HDFC Click to Protect Supreme Plus

Three customizable plan options

Policyholders can choose from three different options: Life, Life Plus (includes accidental death cover), and Life Goal (where the SA differentiates by policy year based on the selected reduction rate.

Increasing life cover

 Under the Life option, you can choose to have your death benefit increase by 10% after every 5 years (variant B) or 5% yearly (variant C), capped at 200% percent of the original sum assured. 

Terminal illness acceleration

The policy allows for the acceleration of the death benefit to a maximum of 2 crore, if the insured is diagnosed with a specified terminal illness before 80. 

Death benefit as instalments

The nominee can choose to receive the death benefit in advance instalments over 5 to 15 years. 

 

Exclusions of HDFC Click to Protect Supreme Plus

  • No payout will be provided if death occurs within 12 months from policy inception due to suicide

  • No benefit is payable if death results from self-inflicted injury, war, intoxication, criminal acts, non-passenger aviation, or participation in adventure sports or hazardous activities. 

  • Disability benefits or critical illness are not payable for undisclosed pre-existing diseases, congenital conditions, alcohol or drug abuse. 

Conclusion

HDFC Click to Protect Supreme Plus is a comprehensive and flexible life insurance solution. It provides various plan options, return of premium on survival, and the ability to increase coverage at major life stages. The policy also provides flexible death benefit payouts, strong rider support for critical illness and accidents, and waiver of premium features to keep protection active during health setbacks. This plan focuses on continuity, reliability, and long-term family security. 

 

Explore other HDFC Term Insurance

HDFC Term Insurance offers one of the best term insurance plans to cater to the unique needs of every customer. You can buy their term plans with high life cover at pocket-friendly costs. Get a 5% discount for online purchases and 100% claim assistance with HDFC Term Insurance plans. Below is the list of term plans offered by HDFC Term.

HDFC Life Click 2 Protect Supreme Plus is a pure term insurance plan designed for long-term family protection, with flexible features. It provides mul...

Unique Features

  • abcd

HDFC Click to Protect Supreme Plus (Pros)

HDFC Click to Protect Supreme Plus

HDFC Click to Protect Supreme Plus (Cons)

HDFC Click to Protect Supreme Plus

HDFC Click to Protect Supreme Plus (Other Benefits)

HDFC Click to Protect Supreme Plus

HDFC Click to Protect Supreme Plus (Eligibility Criteria)

HDFC Click to Protect Supreme Plus

HDFC Life Click 2 Protect Supreme is a pure term insurance plan that provides financial safety to your loved ones in case something unfortunate happen...

Unique Features

  • Choice of Plan Options
  • Return of Premium Option
  • Increasing Death Benefits

HDFC Click 2 Protect Supreme (Pros)

HDFC Click 2 Protect Supreme
  • Death Benefit
  • Choice of Plan Options
  • Tax Benefits

HDFC Click 2 Protect Supreme (Cons)

HDFC Click 2 Protect Supreme
  • 1 year WP for suicide
  • No policy loan
  • No pre-existing illness cover

HDFC Click 2 Protect Supreme (Other Benefits)

HDFC Click 2 Protect Supreme
  • Free-look Period Cancellation
  • Policy Revival
  • Rider Benefits

HDFC Click 2 Protect Supreme (Eligibility Criteria)

HDFC Click 2 Protect Supreme
  • Entry age - 18 years
  • Max entry age - 84 years
  • Min sum assured - Rs 50000
  • Max maturity age - 85 Years

HDFC Life Saral Jeevan Bima is a simple and no-frills, pure-risk best term insurance plan. This plan dispenses the nominee with a fixed amount after t...

Unique Features

  • Flexible premiums
  • Additional riders
  • Financial protection

HDFC Life Saral Jeevan Bima (Pros)

HDFC Life Saral Jeevan Bima
  • Discount on Higher Premiums
  • Policy Loan Available
  • No Interest on ROP Minors

HDFC Life Saral Jeevan Bima (Cons)

HDFC Life Saral Jeevan Bima
  • No Alterations Allowed
  • No Death Benefit on Income Payout
  • Advance premiums for monthly payment mode

HDFC Life Saral Jeevan Bima (Other Benefits)

HDFC Life Saral Jeevan Bima
  • 3 Rider Options Available
  • Premium Payment Flexibility
  • Tax Benefits on Premiums and Maturity

HDFC Life Saral Jeevan Bima (Eligibility Criteria)

HDFC Life Saral Jeevan Bima
  • Entry Age - 30 Days
  • Max Entry Age - 65 Years
  • Minimum Sum Assured - 5 L
  • Maximum Maturity Age - 85 years
  • Premium Payment Term - RP/SP

HDFC Life Click2 Protect Elite plan is the perfect term plan that is designed to protect your loved ones financially in case of your uncertain demise....

Unique Features

  • Smart Exit Benefit
  • Free-look period
  • Policy revival

HDFC Life Click 2 Protect Elite (Pros)

HDFC Life Click 2 Protect Elite
  • Death Benefit
  • Smart exit benefit
  • Tax benefits

HDFC Life Click 2 Protect Elite (Cons)

HDFC Life Click 2 Protect Elite
  • 1 year WP for suicide
  • No policy loan
  • No pre-existing illness cover

HDFC Life Click 2 Protect Elite (Other Benefits)

HDFC Life Click 2 Protect Elite
  • Free-look period cancellation
  • policy revival
  • Rider benefits

HDFC Life Click 2 Protect Elite (Eligibility Criteria)

HDFC Life Click 2 Protect Elite
  • Entry age - 18 years
  • Max entry age - 45 years
  • Min sum assured - 2 Crores
  • Max maturity age - 45 Years

‘HDFC Life Sanchay Legacy, a comprehensive term plan offering early ROP benefits with increasing death cover.’ Most of your prime days are...

Unique Features

  • Increasing death benefit
  • Life cover with no medical test
  • Accelerated death benefit

HDFC Life Sanchay Legacy (Pros)

HDFC Life Sanchay Legacy
  • Death Benefit
  • Affordable premiums
  • Tax benefits

HDFC Life Sanchay Legacy (Cons)

HDFC Life Sanchay Legacy
  • 1 year WP for suicide
  • No policy loan
  • No pre-existing illness cover

HDFC Life Sanchay Legacy (Other Benefits)

HDFC Life Sanchay Legacy
  • Hassle-free buying process
  • Survival Benefit
  • Riders availability for enhanced protection

HDFC Life Sanchay Legacy (Eligibility Criteria)

HDFC Life Sanchay Legacy
  • Entry age - 40 years
  • Max entry age - 75 years
  • Min sum assured - 1.25 times the Single Premium
  • Max maturity age - NA

HDFC Life Click 2 Protect 3D Plus provides policyholders and their loved ones with comprehensive financial security. As the name suggests, this term i...

Unique Features

  • 9 Plan Options
  • Whole life coverage
  • Rider benefits

HDFC Life Click 2 Protect 3D Plus (Pros)

HDFC Life Click 2 Protect 3D Plus
  • Life Stage Protection
  • Premium Top-up Option
  • Protection Against 3Ds

HDFC Life Click 2 Protect 3D Plus (Cons)

HDFC Life Click 2 Protect 3D Plus
  • 1 Year WP for Suicide
  • No Policy Loans
  • Death Due to Adventure Sports

HDFC Life Click 2 Protect 3D Plus (Other Benefits)

HDFC Life Click 2 Protect 3D Plus
  • Choice of Plan Options
  • Lifelong Protection
  • Return of Premium Option

HDFC Life Click 2 Protect 3D Plus (Eligibility Criteria)

HDFC Life Click 2 Protect 3D Plus
  • Entry Age -18 Years
  • Max Entry Age - 65 years
  • Minimum Sum Assured - ₹10 Lakhs
  • Maximum Maturity Age - 99 years
  • Premium Payment Term - RP/SP/LP

HDFC Life Smart Term Edge is a comprehensive protection plan offering multiple options and features at reasonable premiums. The plan provides you with...

Unique Features

  • Reduced Paid Up Benefit
  • Death Benefit
  • Surrender Benefit

HDFC Life Smart Term Edge (Pros)

HDFC Life Smart Term Edge
  • 3 Premium Payment Modes
  • Option to Increase Death Benefit
  • 3 Premium Payment Modes

HDFC Life Smart Term Edge (Cons)

HDFC Life Smart Term Edge
  • No Suicide Cover
  • No Policy Loans
  • No Pre-existing Conditions

HDFC Life Smart Term Edge (Other Benefits)

HDFC Life Smart Term Edge
  • 3 Plan Options
  • 100% Death Cover
  • Tax Benefits on Premiums/Maturity/Riders

HDFC Life Smart Term Edge (Eligibility Criteria)

HDFC Life Smart Term Edge
  • Entry Age - 18 Years
  • Max Entry Age - 60 years
  • Minimum Sum Assured - 5 Lakhs
  • Maximum Maturity Age- 75 years
  • Premium Payment Term - 12 to 30 Years

HDFC Life Smart Term Pro is a versatile term insurance plan designed to provide comprehensive life insurance coverage and financial security. This is ...

Unique Features

  • Enhanced Protection Through Riders
  • Return Of Premium
  • Surrender And Maturity Benefit

HDFC Life Smart Term Pro (Pros)

HDFC Life Smart Term Pro
  • Death Benefit
  • Maturity Benefit
  • Death Benefit Payout Options Death Benefit Payout Options

HDFC Life Smart Term Pro (Cons)

HDFC Life Smart Term Pro
  • Reduced Paid-up Benefits
  • Reduced Paid-up Death Benefit
  • No Adventure Sports Cover

HDFC Life Smart Term Pro (Other Benefits)

HDFC Life Smart Term Pro
  • Guaranteed Surrender Value
  • 80% Premiums on Suicide
  • Guaranteed Sum Assured on Maturity

HDFC Life Smart Term Pro (Eligibility Criteria)

HDFC Life Smart Term Pro
  • Entry Age - 30 Days
  • Max Entry Age - 60 years
  • Minimum Sum Assured - 15 L
  • Maximum Maturity Age - 80 years
  • Premium Payment Term - 5/8/10/12 yrs

HDFC Term with Return of Premium Plan offers comprehensive protection, which helps the insured secure their family with Zero-Cost Term insurance by th...

Unique Features

  • Death Benefit
  • Reduced Paid Up Benefit
  • Discount On Large Sum Assured

HDFC Term With Return Of Premium (Pros)

HDFC Term With Return Of Premium
  • Premium Payment Options
  • Absolute Amount Assured Paid
  • Tax Benefits on Premiums and Maturity Benefit

HDFC Term With Return Of Premium (Cons)

HDFC Term With Return Of Premium
  • No Discount on Limited Pay
  • No Riders Available
  • No Policy Loan

HDFC Term With Return Of Premium (Other Benefits)

HDFC Term With Return Of Premium
  • Guaranteed Surrender Value
  • Guaranteed Maturity Benefits
  • No Waiting Period on Accidental Death

HDFC Term With Return Of Premium (Eligibility Criteria)

HDFC Term With Return Of Premium
  • Entry Age - 18 Years
  • Max Entry Age - 50 years
  • Minimum Sum Assured - 10 L
  • Maximum Maturity Age - 65 years
  • Premium Payment Term - LP/RP

HDFC Life Quick Protect is a comprehensive term insurance plan that provides coverage against death, disease, and disability. The plan is highly custo...

Unique Features

  • High Sum Insured
  • 19 Critical Illness Cover
  • Accidental Death Benefit

HDFC Quick Protect (Pros)

HDFC Quick Protect
  • Monthly Income For 10 Years
  • Critical Illness Plus Rider
  • Income Benefit Rider

HDFC Quick Protect (Cons)

HDFC Quick Protect
  • No HIV Cover
  • No Policy Loans
  • No Pre-existing Conditions

HDFC Quick Protect (Other Benefits)

HDFC Quick Protect
  • Accidental Death Benefit
  • Maturity Benefit
  • Waiver Of Premium

HDFC Quick Protect (Eligibility Criteria)

HDFC Quick Protect
  • Entry Age - 18 Years
  • Max Entry Age - 50 years
  • Minimum Sum Assured - 25 L
  • Maximum Maturity Age - 75 years
  • Premium Payment Term - 5 to 40 Years

HDFC Life Click 2 Protect Super Plan is one of the top term insurance plans that offers high life cover at affordable premiums and multiple coverage o...

Unique Features

  • CI Cover Available
  • 3 Plan Variants
  • Avail Spouse Cover

HDFC Click 2 Protect Super (Pros)

HDFC Click 2 Protect Super
  • Terminal Illness Benefit
  • Smart Exit Benefit
  • Acceleration Death Benefit

HDFC Click 2 Protect Super (Cons)

HDFC Click 2 Protect Super
  • 1 Year WP for Suicide
  • No Policy Loans
  • No Pre-existing Conditions

HDFC Click 2 Protect Super (Other Benefits)

HDFC Click 2 Protect Super
  • Death Benefit in Instalments
  • RP
  • WOP & 3 Riders
  • Additional Cover for Spouse

HDFC Click 2 Protect Super (Eligibility Criteria)

HDFC Click 2 Protect Super
  • Entry Age -18 Years
  • Max Entry Age - 84 years
  • Minimum Sum Assured - INR 5
  • 000
  • Maximum Maturity Age - 85 years
  • Premium Payment Term - RP/SP/LP

HDFC Click to Protect Supreme Plus: FAQs

1. What is the HDFC Life Click 2 Protect Supreme Plus term insurance plan?

HDFC Life Click 2 Protect Supreme Plus is a term insurance plan providing death benefit, accidental death cover, terminal illness cover, and flexible death benefit options.

2. Which plan variants are available under HDFC Life Click 2 Protect Supreme Plus?

Variants include Life, Life Plus, and Life Goal options, with options for increasing or level cover, in addition to optional riders for parents and spouse.

3. What death benefits are payable under this policy?

If you die during the policy term, the nominee recieves highest of sum assured, as a lump sum or 105% of total premiums paid.

4. Does this plan provide a return of premium benefit if the policyholder survives the policy term?

Yes, if you choose the select the Return of Premium option, you get back all premiums paid upon surviving the whole policy tenure.

5. How does the accidental death benefit work under this plan?

Under Life Plus, an extra sum assured is paid to the nominee if death occurs because of an accident during the policy term.

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