HDFC Life Click 2 Protect Plus Life

 Benefits

Cover Options under the plan:

• Life Option:

  • Lump sum Payout on Death
  • Inbuilt Terminal Illness Benefit where Sum Assured is paid out upon diagnosis of a Terminal Illness.
  • Inbuilt Waiver Of Premium on Accidental Total Permanent Disability where all future premiums are waived off in case of permanent disability.

• Extra Life Option:

  • Lump sum payout of Death in addition extra Sum Assured is paid in case of death due to accident.
  • Inbuilt Terminal Illness Benefit where Sum Assured is paid out upon diagnosis of a Terminal Illness.
  • Inbuilt Waiver Of Premium on Accidental Total Permanent Disability where all future premiums are waived off in case of permanent disability.

• 3D Life Option:

  • Lump sum Payout of Death.
  • Waiver Of Premium on Critical Illness where all future premium are waived off upon diagnosis of any of the covered 34 critical illnesses.
  • Inbuilt Terminal Illness Benefit where Sum Assured is paid out upon diagnosis of a Terminal Illness.
  • Inbuilt Waiver Of Premium on Accidental Total Permanent Disability where all future premiums are waived off in case of permanent disability.

• Return Of Premium Option:

  • Lump sum Payout on Death..
  • If life assured survives till the end of the policy term all the premiums paid till then are returned.

• Whole Life Option:

  • Get Coverage for whole life.
  • Lump sum Payout on Death.
  • Inbuilt Terminal Illness Benefit where Sum Assured is paid out upon diagnosis of a Terminal Illness.
  • Inbuilt Waiver Of Premium on Accidental Total Permanent Disability where all future premiums are waived off in case of permanent disability.

• 3D Whole Life Option:

  • Get Coverage for whole life.
  • Lump sum Payout on Death.
  • Waiver Of Premium on Critical Illness where all future premium are waived off upon diagnosis of any of the covered 34 critical illnesses.
  • Inbuilt Terminal Illness Benefit where Sum Assured is paid out upon diagnosis of a Terminal Illness.
  • Inbuilt Waiver Of Premium on Accidental Total Permanent Disability where all future premiums are waived off in case of permanent disability.

• Income Option

  • This plan option is ideal if you wish to provide your nominee with a Lumpsum benefit and a regular stream of Income in your absence.
  • Sum Assured on Death1 paid as Lumpsum Benefit + Level/Increasing Monthly Income for Income Period paid to the nominee and the policy terminates on Death/ Diagnosis of Terminal Illness
  • All future premiums are waived & the Policy continues On Accidental Total Permanent Disability

• Extra Life Income Option

  • In addition to the benefits under Income Option, an additional Lumpsum & Income benefit is paid upon death due to accident.
  • Sum Assured on Death1 paid as Lumpsum Benefit + Monthly Income for Income Period paid to the nominee and the policy terminates On Death/ Diagnosis of Terminal Illness
  • Extra Life Sum Assured is paid in the same proportion in Lumpsum + Monthly income, as the benefit payable on Death/ Diagnosis of Terminal Illness. This is paid in addition to the benefit payable on Death / Diagnosis of Terminal Illness On Death Due to Accident
  • All future premiums are waived & the Policy continues On Accidental Total PermanentDisability

• Income Replacement Option

  • This plan option ensures that your nominee continues to receive the income stream even in your absence.
  • 12 times the then Increased Monthly Income paid as Lumpsum Benefit + Level/ Increasing Income for Residual Policy Term paid to the nominee and the policy terminates On Death/ Diagnosis of Terminal Illness
  • All future premiums are waived & the Policy continues On Accidental Total Permanent Disability

• A Plan that protects your family and also pays you back.
  HDFC Life C2P 3D Money Back, a combination of HDFC Life C2P 3D Plus and HDFC Life Sanchay.
  Lump-sum on survival is provided through the maturity benefit of HDFC Life Sanchay. It will be payable only if you have paid all due premiums as per the premium payment term.

 Key Features

• Life Stage Protection

  Under this feature, you have the option to increase the basic Sum Assured without underwriting on any of the below specified events in the life of the Life Assured.

  • 1stMarriage: 50% of Sum Assured subject to a maximum of Rs. 50 lakhs.
  • Birth of 1st child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs.
  • Birth of 2nd child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs.

• Grace Period

30 days is the specified grace period under the plan , Therefore premium that due has to be paid in the grace period else the coverage under the policy shall cease & policy will lapse.

• Claim Assistance

Claims assistance is readily available online on HDFC website or on can call with the dedicated toll free number for help.

• Life Cover

  Protect the financial well-being of your family, in case something unfortunate happens to you.

• Survival Benefit:

  On survival till maturity of HDFC Life Sanchay, you will get a lump sum.

 Eligibility

• For Life Option, Extra Life Option, 3D Life Option, Return Of Premium Option:

Entry Age
Minimum: 18 years
Maximum: 65 years
Maturity Age
Minimum: 23 years
Maximum: 85 years
Policy Term
Single , Regular Pay - 5 yrs & Limited Pay : 6 Yrs, Max: 67 Years
Premium Payment Term
Single Pay = 1, Regular Pay = Same as Policy Term, Limited Pay = 5 to 39
Premium Payment Frequency

Single,Yearly, Half Yearly, Quarterly & Monthly
Sum Assured

Min:50 lakhs, For ROP: 25 lakhs, Max: No Limit

• For C2P 3D Money Back:

Entry Age
Minimum: 18 years
Maximum: 60 years
Maturity Age
Minimum: 28 years
Maximum: 85 years
Policy Term
10, 15 to 85 - entry age
Premium Payment Term
Limited Pay: 5, 8, 10 years
Premium Payment Frequency

Yearly, Half Yearly, Quarterly & Monthly
Sum Assured

Min: 50 lakhs, Max: No Limit
*Policy term of HDFC Life Sanchay will be equal to policy term of HDFC Life Click 2 Protect 3D Plus subject to maximum of 40 yrs or 85 - age at entry, whichever is lower.

• For Whole Life Option & 3D Whole Life Option:

Entry Age
Minimum: 25 years
Maximum: 60 years
Maturity Age
Whole Life
Policy Term
Whole Life
Premium Payment Term
65-Entry Age, Subject to a minimum of 5 Yrs
Premium Payment Frequency

Single, Annual, Half Yearly, Quarterly, Monthly
Sum Assured

Min: 10 Lacs; Max: No Limit