Smart Term Edge Plan vs Hdfc Click To Protect Supreme Plus Term Insurance Plan 2026 | PolicyX

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HDFC Life Smart Term Edge is a comprehensive protection plan offering multiple options and features at reasonable premiums. The plan provides you with complete protection up to the age of 75 years. It offers 3 plan options as per your protection needs. You can choose from any options: Classic, Step-Up, and Comprehensive. The policy provides a return of premium of 150% upon maturity, ensuring that you are making a smart investment for your future. The plan even offers enhanced coverage through additional riders.

HDFC Life Smart Term Edge Plan offers you a range of benefits including:

  • Return of Premium
  • Choice of Plan Options
  • Multiple Premium Paying Term
  • Tax Benefits 
  • Affordable Premiums
  • Additional Rider Benefits
PLAN DETAILS

Smart Term Edge Plan

Hdfc Click To Protect Supreme Plus

Premium Including GST
Key Features
(Key features of the plan)
  • Reduced Paid Up Benefit
  • Death Benefit
  • Surrender Benefit
  • 3 plan options
  • wellness benefits
  • survival benefits
Plan Maturity age Maximum Maturity Age - 75 years 85 years
Plan Sum Assured Basic Sum Assured: Rs. 25 Lakhs to no limit INR 50,000
Plan Entry Age Minimum Age - 18 years Maximum Age - 60 years 18 years
Plan Payment modes Yearly, half-yearly & monthly Half-yearly, monthly, quarterly
Plan Policy loan The policy loan is not available under HDFC Life Smart Term Edge Plan. No loan
Plan Sample Premium Rs 689-/ per month 1900 Rs/ month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 12 years Maximum term - 30 years Minimum- 5 years, Maximum- 65 years – Age at Entry
Claim Settlement Ratio (2024-25) 99.68% 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 Life Smart Term Edge Plan

You can add the following riders to your HDFC Life Smart Term Edge Plan:

HDFC Life Critical Illness Rider

A lump sum amount is offered in case the policyholder is diagnosed with any of the 19 critical illnesses.

HDFC Life Accidental Death, Disability and Dismemberment Rider

Get an extra payout on top of the base cover in case of accidental death, dismemberment and total and permanent disability.

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