HDFC Life Click 2 Protect Elite
  • Smart Exit Benefit
  • Free-look period
  • Policy revival
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HDFC Life Click 2 Protect Elite

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:

why-choose
  • Affordable premiums
  • Death Benefit
  • Survival Value
  • Tax benefits
  • Riders for enhanced protection

Eligibility Criteria for HDFC Life Click 2 Protect Elite

Your Occupation

Entry age

Minimum Age - 18 years Maximum Age - 45 years

Mukhyamantri Amrutam Yojana

Maturity age

Maximum Maturity Age - 45 years

Your Gender

Policy term

15 to 40 Years

Maternity Benefit Rider

Sum assured

Base sum assured: 2 Crores to No Limit

Dr YSR Aarogyasri Trust

Policy loan

The policy loan is available under HDFC Life Click 2 Protect Elite Plan

Maternity Benefit Rider

Payment modes

Monthly, Quarterly, and Half-yearly and Yearly

How Does HDFC Life Click 2 Protect Elite Work?

Let's understand how the HDFC Life Click 2 Protect Elite with a simple premium illustration.

Why Buy Term Insurance Online?

Problem

Mr. Sharma, 30 years old, a non-smoker wants a a cover of Rs 2 crores.

Solution

He visited PolicyX.com to learn more about term plans. Policyx.com advisors carefully analyze his queries and suggest purchasing HDFC Life  Click 2 Protect Elite

Let us see a brief illustration of  the Click 2 Protect Elite plan

Age Policy Term Premium payment Term Sum Assured Premium (Monthly)
30 years 40 10 2 Crores Rs. 5,584 

 

Benefits of HDFC Life Click 2 Protect Elite

Here are the benefits associated with the HDFC Life Click 2 Protect Elite

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Riders Associated with HDFC Life Click 2 Protect Elite Plan

You can add the following riders to your HDFC Life Click 2 Protect Elite Plan:

HDFC Life Income Benefit on Accidental Disability Rider

In the case of Total Permanent Disability- 1% of the Rider Sum is Assured for 10 years.

HDFC Life Critical Illness Plus Rider

Lump sum benefit, if diagnosed with any of 19 critical illnesses and insured, survival for 30 days post-diagnosis.

HDFC Life Protect Plus Rider

Three Benefit Options are available under this rider, Personal Accident Cover, Accidental Death Cover, and Cancer Cover.

HDFC Life Health Plus Rider

Two Benefit Options are available under this rider, Comprehensive critical illness Cover, and Cancer Cover.

 

Features of HDFC Life Click 2 Protect Elite

 Cancellation in free-look period

You can cancel your policy within a free-look period of 15 days. HDFC Life will issue the refund after deducting applicable charges if you wish to cancel your plan.

Policy Revival 

This plan offers you the option to revive your lapsed policy in the revival period mentioned in the policy documents after paying the outstanding premiums and interest charges. The current revival period as per the norms is 5 years and interest charges are applicable at 9.5%. Per annum.

 Grace period

This plan offers you a grace period in case of non-payment of premiums. A grace period of 30 days is offered if premiums are paid quarterly, half-yearly, or yearly, and a 15-day grace period is applicable in the event of a monthly payment.

Surrender value

You can get a surrender value if you wish to cancel your policy within the policy tenure. Surrender value is only provided if you have paid a minimum of 2-year premiums and in the rest circumstances policy will be canceled without any surrender value.

 

Exclusions of HDFC Life Click 2 Protect Elite Legacy Plan

Here is the list of exclusions associated with the plan:

  • Suicide during the first 12 months of policy inception will not be covered.
  • Death occurred due to the pandemic not covered under this plan.
  • Injuries or illnesses caused due to any type of adventure sports.
  • Consumption of any type of, drugs, or alcohol except for the clinical purpose.
  • Any pre-existing disease that isn't mentioned during the start of the policy.

Conclusion

HDFC Life Click 2 Protect Elite plan acts as a security cover for your family in your absence. You have understood everything about the HDFC Life Click 2 Protect Elite plan from the above article. If you are still confused about which term plan is best for you then you can contact us at PolicyX.com. One of our insurance representatives will contact you shortly, understand your requirements, and choose a plan that suits your needs.

Explore other HDFC Term Insurance

HDFC Term Insurance offers one of the best term insurance plans to cater to the unique needs of every customer. You can buy their term plans with high life cover at pocket-friendly costs. Get a 5% discount for online purchases and 100% claim assistance with HDFC Term Insurance plans. Below is the list of term plans offered by HDFC Term.

HDFC Life Click 2 Protect Super is one of the top term insurance plan that offers high life cover at affordable premiums or multiple coverage options....

Unique Features

  • CI Cover Available
  • 3 Plan Variants
  • Avail Spouse Cover

HDFC Click 2 Protect Super (Pros)

HDFC Click 2 Protect Super
  • Terminal Illness Benefit
  • Smart Exit Benefit
  • Acceleration Death Benefit

HDFC Click 2 Protect Super (Cons)

HDFC Click 2 Protect Super
  • 1 Year WP for Suicide
  • No Policy Loans
  • No Pre-existing Conditions

HDFC Click 2 Protect Super (Other Benefits)

HDFC Click 2 Protect Super
  • Death Benefit in Instalments
  • RP
  • WOP & 3 Riders
  • Additional Cover for Spouse

HDFC Click 2 Protect Super (Eligibility Criteria)

HDFC Click 2 Protect Super
  • Entry Age -18 Years
  • Max Entry Age - 84 years
  • Minimum Sum Assured - INR 5
  • 000
  • Maximum Maturity Age - 85 years
  • Premium Payment Term - RP/SP/LP

HDFC Life Quick Protect is a comprehensive term insurance plan that provides coverage against death, disease, and disability. The plan is highly custo...

Unique Features

  • High Sum Insured
  • 19 Critical Illness Cover
  • Accidental Death Benefit

HDFC Quick Protect Plan (Pros)

HDFC Quick Protect Plan
  • Monthly Income For 10 Years
  • Critical Illness Plus Rider
  • Income Benefit Rider

HDFC Quick Protect Plan (Cons)

HDFC Quick Protect Plan
  • No HIV Cover
  • No Policy Loans
  • No Pre-existing Conditions

HDFC Quick Protect Plan (Other Benefits)

HDFC Quick Protect Plan
  • Accidental Death Benefit
  • Maturity Benefit
  • Waiver Of Premium

HDFC Quick Protect Plan (Eligibility Criteria)

HDFC Quick Protect Plan
  • Entry Age - 18 Years
  • Max Entry Age - 50 years
  • Minimum Sum Assured - 25 L
  • Maximum Maturity Age - 75 years
  • Premium Payment Term - 5 to 40 Years

HDFC Term with Return of Premium Plan offers comprehensive protection, which helps the insured secure their family with Zero-Cost Term insurance by th...

Unique Features

  • Death Benefit
  • Reduced Paid Up Benefit
  • Discount On Large Sum Assured

HDFC Term With Return Of Premium (Pros)

HDFC Term With Return Of Premium
  • Premium Payment Options
  • Absolute Amount Assured Paid
  • Tax Benefits on Premiums and Maturity Benefit

HDFC Term With Return Of Premium (Cons)

HDFC Term With Return Of Premium
  • No Discount on Limited Pay
  • No Riders Available
  • No Policy Loan

HDFC Term With Return Of Premium (Other Benefits)

HDFC Term With Return Of Premium
  • Guaranteed Surrender Value
  • Guaranteed Maturity Benefits
  • No Waiting Period on Accidental Death

HDFC Term With Return Of Premium (Eligibility Criteria)

HDFC Term With Return Of Premium
  • Entry Age - 18 Years
  • Max Entry Age - 50 years
  • Minimum Sum Assured - 10 L
  • Maximum Maturity Age - 65 years
  • Premium Payment Term - LP/RP

HDFC Life Smart Term Pro is a versatile term insurance plan designed to provide comprehensive life insurance coverage and financial security. This is ...

Unique Features

  • Enhanced Protection Through Riders
  • Return Of Premium
  • Surrender And Maturity Benefit

HDFC Life Smart Term Pro (Pros)

HDFC Life Smart Term Pro
  • Death Benefit
  • Maturity Benefit
  • Death Benefit Payout Options Death Benefit Payout Options

HDFC Life Smart Term Pro (Cons)

HDFC Life Smart Term Pro
  • Reduced Paid-up Benefits
  • Reduced Paid-up Death Benefit
  • No Adventure Sports Cover

HDFC Life Smart Term Pro (Other Benefits)

HDFC Life Smart Term Pro
  • Guaranteed Surrender Value
  • 80% Premiums on Suicide
  • Guaranteed Sum Assured on Maturity

HDFC Life Smart Term Pro (Eligibility Criteria)

HDFC Life Smart Term Pro
  • Entry Age - 30 Days
  • Max Entry Age - 60 years
  • Minimum Sum Assured - 15 L
  • Maximum Maturity Age - 80 years
  • Premium Payment Term - 5/8/10/12 yrs

HDFC Life Smart Term Edge is a comprehensive protection plan offering multiple options and features at reasonable premiums. The plan provides you with...

Unique Features

  • Reduced Paid Up Benefit
  • Death Benefit
  • Surrender Benefit

HDFC Life Smart Term Edge (Pros)

HDFC Life Smart Term Edge
  • 3 Premium Payment Modes
  • Option to Increase Death Benefit
  • 3 Premium Payment Modes

HDFC Life Smart Term Edge (Cons)

HDFC Life Smart Term Edge
  • No Suicide Cover
  • No Policy Loans
  • No Pre-existing Conditions

HDFC Life Smart Term Edge (Other Benefits)

HDFC Life Smart Term Edge
  • 3 Plan Options
  • 100% Death Cover
  • Tax Benefits on Premiums/Maturity/Riders

HDFC Life Smart Term Edge (Eligibility Criteria)

HDFC Life Smart Term Edge
  • Entry Age - 18 Years
  • Max Entry Age - 60 years
  • Minimum Sum Assured - 5 Lakhs
  • Maximum Maturity Age- 75 years
  • Premium Payment Term - 12 to 30 Years

HDFC Life Click 2 Protect 3D Plus provides policyholders and their loved ones with comprehensive financial security. As the name suggests, this term i...

Unique Features

  • 9 Plan Options
  • Whole life coverage
  • Rider benefits

HDFC Life Click 2 Protect 3D Plus (Pros)

HDFC Life Click 2 Protect 3D Plus
  • Life Stage Protection
  • Premium Top-up Option
  • Protection Against 3Ds

HDFC Life Click 2 Protect 3D Plus (Cons)

HDFC Life Click 2 Protect 3D Plus
  • 1 Year WP for Suicide
  • No Policy Loans
  • Death Due to Adventure Sports

HDFC Life Click 2 Protect 3D Plus (Other Benefits)

HDFC Life Click 2 Protect 3D Plus
  • Choice of Plan Options
  • Lifelong Protection
  • Return of Premium Option

HDFC Life Click 2 Protect 3D Plus (Eligibility Criteria)

HDFC Life Click 2 Protect 3D Plus
  • Entry Age -18 Years
  • Max Entry Age - 65 years
  • Minimum Sum Assured - ₹10 Lakhs
  • Maximum Maturity Age - 99 years
  • Premium Payment Term - RP/SP/LP

‘HDFC Life Sanchay Legacy, a comprehensive term plan offering early ROP benefits with increasing death cover.’ Most of your prime days are...

Unique Features

  • Increasing death benefit
  • Life cover with no medical test
  • Accelerated death benefit

HDFC Life Sanchay Legacy (Pros)

HDFC Life Sanchay Legacy
  • Death Benefit
  • Affordable premiums
  • Tax benefits

HDFC Life Sanchay Legacy (Cons)

HDFC Life Sanchay Legacy
  • 1 year WP for suicide
  • No policy loan
  • No pre-existing illness cover

HDFC Life Sanchay Legacy (Other Benefits)

HDFC Life Sanchay Legacy
  • Hassle-free buying process
  • Survival Benefit
  • Riders availability for enhanced protection

HDFC Life Sanchay Legacy (Eligibility Criteria)

HDFC Life Sanchay Legacy
  • Entry age - 40 years
  • Max entry age - 75 years
  • Min sum assured - 1.25 times the Single Premium
  • Max maturity age - NA

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....

Unique Features

  • Smart Exit Benefit
  • Free-look period
  • Policy revival

HDFC Life Click 2 Protect Elite (Pros)

HDFC Life Click 2 Protect Elite
  • Death Benefit
  • Smart exit benefit
  • Tax benefits

HDFC Life Click 2 Protect Elite (Cons)

HDFC Life Click 2 Protect Elite
  • 1 year WP for suicide
  • No policy loan
  • No pre-existing illness cover

HDFC Life Click 2 Protect Elite (Other Benefits)

HDFC Life Click 2 Protect Elite
  • Free-look period cancellation
  • policy revival
  • Rider benefits

HDFC Life Click 2 Protect Elite (Eligibility Criteria)

HDFC Life Click 2 Protect Elite
  • Entry age - 18 years
  • Max entry age - 45 years
  • Min sum assured - 2 Crores
  • Max maturity age - 45 Years

HDFC Life Saral Jeevan Bima is a simple and no-frills, pure-risk best term insurance plan. This plan dispenses the nominee with a fixed amount after t...

Unique Features

  • Flexible premiums
  • Additional riders
  • Financial protection

HDFC Life Saral Jeevan Bima (Pros)

HDFC Life Saral Jeevan Bima
  • Discount on Higher Premiums
  • Policy Loan Available
  • No Interest on ROP Minors

HDFC Life Saral Jeevan Bima (Cons)

HDFC Life Saral Jeevan Bima
  • No Alterations Allowed
  • No Death Benefit on Income Payout
  • Advance premiums for monthly payment mode

HDFC Life Saral Jeevan Bima (Other Benefits)

HDFC Life Saral Jeevan Bima
  • 3 Rider Options Available
  • Premium Payment Flexibility
  • Tax Benefits on Premiums and Maturity

HDFC Life Saral Jeevan Bima (Eligibility Criteria)

HDFC Life Saral Jeevan Bima
  • Entry Age - 30 Days
  • Max Entry Age - 65 Years
  • Minimum Sum Assured - 5 L
  • Maximum Maturity Age - 85 years
  • Premium Payment Term - RP/SP

HDFC Life Click 2 Protect Elite: FAQs

1. What is the minimum coverage amount I can avail of under HDFC Life Click 2 Protect Elite?

You can avail a minimum coverage amount of Rs. 2 crores under HDFC Life Click 2 Protect Elite.

2. What is the maximum entry age under the HDFC Life Click 2 Protect Elite Plan?

The maximum entry age for the HDFC Click 2 Protect Elite Plan is 45 years.

3. Can you avail of a loan against HDFC Life Click 2 Protect Elite?

No, you cannot avail of a loan or any other liability against your HDFC Life Click 2 Protect Elite policy.

4. What is the claim settlement ratio of HDFC Life?

The claim settlement ratio of HDFC Life is 99.39% as per IRDAI reports for 2022-23.

5. What is the payment premium frequency for HDFC Life Click 2 Protect Elite?

You can pay the premium for your HDFC Life Click 2 Protect Elite term plan either monthly, quarterly, half-yearly, or yearly.

6. On what basis death benefits are determined for HDFC Life Click 2 Protect Elite Plan?

The death benefits for HDFC Life Click 2 Protect are determined based on the Sum Assured mentioned in policy terms, 10 Times Your Annual Premium, 105% of total premiums paid up to the date.

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Himanshu Kumar

Written By: Himanshu Kumar

Himanshu is a seasoned content writer specializing in keeping readers engaged with the insurance industry, term and life insurance developments, etc. With an experience of 2 years in insurance and HR tech, Himanshu simplifies the insurance information and it is completely visible in his content pieces. He believes in making the content understandable to any common man.