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

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ICICI Pru Life is a pure protection term insurance plan designed to provide affordable financial security for families. The plan offers life cover ranging from ₹50,000 to ₹5 lakh with tax benefits on premiums paid.

The plan is offered by ICICI Pru Life Insurance company and comes with tax benefits against the premiums that you pay. The premium payment term of the Life Raksha plan is regular pay for 5 years. It is to be noted that this plan does not come with any maturity or surrender benefits. 

Here are some benefits of this plan:

  • 5 year regular pay
  • Affordable premiums
  • Tax benefits
  • Short term cover
  • Option to choose low sum assured

 

 

PLAN DETAILS

Life Raksha Plan

Click 2 Protect 3d Plus

Premium Including GST
Key Features
(Key features of the plan)
  • 18 Fund Options Available
  • 4 Plan Strategies
  • Systemic Withdrawal Option
  • 9 Plan Options
  • Whole life coverage
  • Rider benefits
Plan Maturity age Maximum Maturity Age - 70 years Maximum Maturity Age - 99 years
Plan Sum Assured 10 times annual premium Basic Sum Assured: ₹10 Lakhs to no limit.
Plan Entry Age Minimum Age - 18 years Maximum Age - 60 years Minimum Age - 18 years Maximum Age - 65 years
Plan Payment modes Annual, half-yearly, quarterly & monthly Single, Annual, Semi-Annual, Quarterly, and Monthly
Plan Policy loan Policy loan is not available under ICICI Life Raksha Plan The policy loan is not available under HDFC Life Click 2 Protect 3D Plus Plan.
Plan Sample Premium Rs 789-/ per month Rs 670-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 5 years Maximum term - 5 years Minimum term - 10 years Maximum term - 15 years
Claim Settlement Ratio (2024-25) 99.33% 99.68%
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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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