Hdfc Life Click 2 Protect Elite
vs
Smart Term Plan Plus
- Affordable Premiums
- Multiple plan options to choose from
- Flexible premium payment options
| PLAN DETAILS |
 Hdfc Life Click 2 Protect Elite |
 Smart Term Plan Plus |
| Premium Including GST | ||
| Key Features (Key features of the plan) |
|
|
| Plan Maturity age | Maximum Maturity Age - 45 years | Maximum maturity age- 100 years |
| Plan Sum Assured | Base sum assured: 2 Crores to No Limit | Base sum assured- Rs 25 lakhs to No 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 | Yearly, half-yearly, quarterly, and monthly |
| Plan Policy loan | The policy loan is available under HDFC Life Click 2 Protect Elite Plan | Policy loan is not available |
| Plan Sample Premium | Rs 671/- per month | Rs 586/- per month |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 15 to 40 Years | Minimum policy term- 5 years, Maximum policy term- 82 years |
| Claim Settlement Ratio (2023-24) | 99.7 | 99.70 |
* 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.
HDFC Life Click2 Protect Elite plan is the perfect term plan that is designed to protect your loved ones financially in case of your uncertain demise. 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:
You can add the following riders to your HDFC Life Click 2 Protect Elite Plan:
In the case of Total Permanent Disability- 1% of the Rider Sum is Assured for 10 years.
Lump sum benefit, if diagnosed with any of 19 critical illnesses and insured, survival for 30 days post-diagnosis.
Three Benefit Options are available under this rider, Personal Accident Cover, Accidental Death Cover, and Cancer Cover.
Two Benefit Options are available under this rider, Comprehensive critical illness Cover, and Cancer Cover.
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With 9 years of progressive experience in the insurance industry, including 7 years at Policy X, I have honed my expertise in Life and Health Insurance. My strengths lie in devising customer-centric solutions, streamlining insurance processes, and delivering exceptional service. I have successfully led high-performing teams, excelling in business planning, manpower management, and strategic decision-making.
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