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HDFC Term Insurance
HDFC Life Click 2 Protect Supreme Plus is a pure term insurance plan d ...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 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:
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 Plus work with a simple premium illustration.
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.
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 theClick 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.
You can add the following riders to your HDFC Life Click 2 Protect Supreme Plus Plan:
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.
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.
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.>
Key features that make HDFC Click to Protect Supreme Plus stand out.
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.
Here are the key benefits of the HDFC Click to Protect Supreme Plus.
Waiver of premium
This plan has a premium waiver on critical illness, total and permanent disability. For female lives, there is a premium waiver on the husband's accidental death.
Additional protection
An accidental death benefit is added under the Life Plus option. You will also get child education income and spouse cover options. There is a premium break for up to 12 months after five policy years.
Death & survival benefits
Death benefit is paid as a lump sum or in instalments over 5 to 15 years. Return of premium pays back 100 percent of premiums on survival till maturity. Terminal illness cover pays up to ₹2 crore before age 80.
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.
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.
The 5 most-asked questions about HDFC Click to Protect Supreme Plus, answered.
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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