ChatGPT
Claude
Perplexity
4575-1744198467.webp){kind=logo}
Overview
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 changing needs. You can choose return of premium, increase coverage during 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 crore paid to beneficiaries.
HDFC Click to Protect Supreme Plus plan offers various benefits, including:
- Comprehensive Financial Protection
- Flexible Plan Options
- Additional Protection
- Wellness Benefits
- Specific Payouts
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
This rider pays 1% of the rider's sum assured every month for 10 years. This benefit is payable upon 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 hospitalization. You receive a 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. It also helps manage treatment and recovery costs.
Key Features
Three Customizable Plan Options
Policyholders can choose from three different options: Life, Life Plus (includes accidental death cover), and Life Goal (where the Sum Assured 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% 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 age 80.
Death Benefit as Installments
The nominee can choose to receive the death benefit in installments over 5 to 15 years.
Wellness Benefits
In-built health and wellness services are accessible via the Life Rewards app. Services facilitate diagnosis, prevention, treatment, and recovery. Benefits may cover health checkups, doctor consultations, and lifestyle support.
Waiver of Premium
This plan includes a premium waiver for critical illness and total and permanent disability. For female policyholders, a premium waiver is available upon the husband's accidental death.
Additional Protection
An accidental death benefit is added under the Life Plus option. Child education income and spouse cover options are also available. There is a premium break for up to 12 months after five policy years.
Death & Survival Benefits
The death benefit is paid as a lump sum or in installments over 5 to 15 years. Return of premium pays back 100% of premiums upon survival till maturity. Terminal illness cover pays up to ₹2 crore before age 80.
Exclusions
- 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.
