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Hdfc Life Click 2 Protect Elite
671/- per month
VS
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I Term Prime Plan
504-/ per month
HDFC Life Click 2 Protect Elite by HDFC Life Insurance offers very high life cover, smart exit (premium return), flexible payouts, and rider options for enhanced protection. With the Smart Exit Benefit option, you can get all your premiums back if your policy tenure is greater than 30.
This plan offers a range of benefits including the option to change payment frequency, surrender value, policy revival, free-look period to understand policy terms, grace period to avoid late payment charges, etc. To enhance your coverage you can choose from various riders such as Critical Illness Rider, Disability Rider, Protect Plus Rider, and Health Plus Rider. You can get a higher coverage under this plan with a sum assured ranging from 2 crores to no maximum limit.
HDFC Life Click2 Protect Elite plan offers you a range of benefits including:
| PLAN DETAILS |
Hdfc Life Click 2 Protect Elite |
I Term Prime Plan |
| Premium Including GST | ||
| Key Features (Key features of the plan) |
|
|
| Plan Maturity age | Maximum Maturity Age - 45 years | Maximum Maturity Age - 65 years |
| Plan Sum Assured | Base sum assured: 2 Crores to No Limit | Base sum assured: 25 lakhs to no upper limit |
| Plan Entry Age | Minimum Age - 18 years Maximum Age - 45 years | Minimum Age - 18 years Maximum Age - 65 years |
| Plan Payment modes | Monthly, Quarterly, and Half-yearly and Yearly | Annual, half-yearly, quarterly & monthly |
| Plan Policy loan | The policy loan is available under HDFC Life Click 2 Protect Elite Plan | The policy loan is not available under i-Term Prime |
| Plan Sample Premium | Rs 671/- per month | Rs 504-/ per month |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 15 to 40 Years | Minimum term – 5 years Maximum term – 15 years |
| Claim Settlement Ratio (2024-25) | 99.68% | 99.73% |
* 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.
You can add the following riders to your i-Term Prime plan:
This rider provides a lump sum payout to the policyholder in case of the diagnosis of a critical illness, such as cancer, heart attack, or stroke. The payout amount can be used to cover medical expenses or other financial obligations.
This rider provides an additional payout in case of the policyholder's death due to an accident. The payout amount is usually a multiple of the sum assured chosen at the time of policy purchase.
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