Click 2 Protect 3d Plus vs Digishield Plan Term Insurance Plan 2026 | PolicyX

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HDFC Life Click 2 Protect 3D Plus by HDFC Life Insurance offers 3-in-1 protection-death, disability, and critical illness—at affordable premiums. As the name suggests, this term insurance plan offers protection against the 3Ds of insurance: death, disability, and disease. It provides financial protection to the insured person's family at affordable rates & pays for the claim made on account of death, permanent disability, and diseases. All in all, HDFC Life Click 2 Protect Plus Life ensures that your family can fulfill all their dreams even in your absence and makes them financially independent. Overall, the HDFC Life Click 2 Protect 3D Plus Review reflects its versatility and value for money.

Some of the major HDFC Life Click 2 Protect 3d Plus benefits include

  • Whole Life Cover
  • Cover for death, disability, and disease
  • 9 plan options
  • Tax benefits
  • Premium top-up option
  • Life Stage Protection feature
PLAN DETAILS

Click 2 Protect 3d Plus

Digishield Plan

Premium Including GST
Key Features
(Key features of the plan)
  • 9 Plan Options
  • Whole life coverage
  • Rider benefits
  • Large Sum Insured
  • Many Plan Options
  • Affordable Premium
Plan Maturity age Maximum Maturity Age - 99 years Maximum Maturity Age - 85 years
Plan Sum Assured Basic Sum Assured: ₹10 Lakhs to no limit. Base sum assured: 30 Lacs to no limit.
Plan Entry Age Minimum Age - 18 years Maximum Age - 65 years Minimum Age - 18 years Maximum Age - 65 years
Plan Payment modes Single, Annual, Semi-Annual, Quarterly, and Monthly Annual, half-yearly, quarterly & monthly
Plan Policy loan The policy loan is not available under HDFC Life Click 2 Protect 3D Plus Plan. The policy loan is not available under ABSLI Digishield Plan.
Plan Sample Premium Rs 670-/ per month Rs 603-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 10 years Maximum term - 15 years Minimum term - 5 years Maximum term - 40 years
Claim Settlement Ratio (2024-25) 99.68% 98.65
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HDFC Life Click 2 Protect 3D Plus Plan Review

HDFC Life Click 2 Protect 3D Plus Plan Review

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* The above sample premiums are for a 30-year-old male, nonsmoker with a sum assured of Rs 50 lakhs and a policy tenure of 25 years. You can calculate the premiums for the above term insurance plans using the PolicyX Term Insurance Calculator.

Riders

Riders Associated with HDFC Click 2 Protect 3D Plus Plan

You can add the following riders to your HDFC 3D Plus Plan:

Critical Illness Benefits

It covers critical illnesses and provides extra financial protection on the investigation of critical illnesses.

Accidental Death Benefit

A lump sum amount of basic and extra sum insured, is paid for death due to accidents against the payment of additional premium for the extra sum insured selected. It is present only in Extra Life and Extra Life Income options.

Top-up Options

By choosing this option, you have the chance to increase the policy cover on every anniversary date of the policy. There would be a systematic or fixed increase as determined during the buying of policy.

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