HDFC Click 2 Protect Super
- CI Cover Available
- 3 Plan Variants
- Avail Spouse Cover
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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. The plan offers a choice of 3 plan options: Life Option, Life Plus option, and Life Goal Option. The plan protects you against unfortunate incidents like death, accidental death, and terminal illness.
Apart from this, the plan also offers a waiver of premium on the diagnosis of critical Illness and additional cover for a spouse.
HDFC Click 2 Protect Super offers you a range of benefits including:
Minimum Age - 18 years Maximum Age - 65 years
Maximum Maturity Age - 85 years
Minimum term - 5 years Maximum term - 85 years
Basic Sum Assured: ₹5,000 to no limit.
The policy loan is not available under HDFC Click 2 Protect Super Plan.
Half-yearly, quarterly & monthly
Let's understand how the HDFC Click to Protect Super plan works with a simple premium illustration.
Mr. Veenay is a 25-year-old non-smoker who is looking for a term plan that provides a return-of-premium option along with critical illness cover.
His financial advisor advised him to buy the HDFC Click 2 Protect Super Work. He visited PolicyX.com.
Let's understand how the HDFC Click 2 Protect Super works for him with a premium illustration table.
| Age of policyholder | Monthly Premiums | Annual Premiums | Policy Tenure | Total premiums paid | Sum assured |
| 25 years | ₹1,181/month | ₹13,499/year | 35 years | ₹4,39,892 | ₹1 crore |
Key Takeaways: If Mr. Veenay dies during the policy tenure, his family will receive ₹1 Crore as a death benefit from the insurer. If Mr. Veenay outlives the policy term, he'll get back the total premium paid towards the plan.
Here are the benefits associated with the HDFC Click 2 Protect Super
A return of premium (ROP) option in term insurance provides both life coverage and a refund of premiums to the policyholder if they survive the policy term.
Under this benefit, all future premiums payable under the plan will be waived if the life assured is diagnosed with any of the covered critical illnesses.
Under this benefit, all future premiums payable under the plan will be waived if there is an occurrence of permanent or total disability.
Spouse cover is a benefit that allows the policyholder to cover their spouse under the same policy by paying an additional premium.
The life stage benefit option in term insurance is an add-on that increases your coverage limit at specific points in your life.
It allows the policyholder to give up the policy in the mid-term and get a smart exit benefit equal to the total premium paid under the policy.
There are multiple riders available under the HDFC Click 2 Protect Super Plan that individuals can opt for:
Under this rider, individuals can avail of a benefit equal to 1% of the rider sum assured per month for the next 10 years, in case of an Accidental Total Permanent Disability.
A lump sum benefit equal to the Rider Sum Assured shall be payable in case you are diagnosed with any of the 19 Critical Illnesses.
Get an extra payout on top of the base cover in case of accidental death or partial/total disability due to an accident.
Below are some exclusions from the HDFC Click to Protect Super Plan:
HDFC Click 2 Protect Super is a comprehensive protection plan that provides complete protection at the age of 85 years. It protects against death, disability, or disease and offers additional options, such as spouse coverage and return of premium option. If you want to know more about the plan or compare different plans 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.
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Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
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