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HDFC Life Click 2 Protect Elite Pro is a non-linked, non-participating individual life insurance plan designed to provide financial protection to the policyholder’s family. It offers a death benefit during the policy term and optional benefits such as Return of Premium, additional spouse cover and child education cover, subject to eligibility and additional premium where applicable. The official product page states a minimum basic sum assured of ₹2 crore.
HDFC Life term plan with Smart Exit Benefit, Return of Premium option, Premium Break Benefit and optional spouse and child education benefits, subject to policy terms.
Click 2 Protect Elite Pro is positioned for customers looking for a high-value life cover with additional flexibility. Its key differentiators include the Smart Exit Benefit, a Premium Break Benefit subject to conditions, and optional Return of Premium and family-protection benefits. Customers should compare the total premium, chosen benefit option, policy term, exclusions and eligibility before purchasing. The premium is not a universal fixed amount and depends on individual circumstances and selected options.
HDFC Life
Key Insights
Founded
2000
HDFC Life was established 26 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
99.74% CSR, calculated as a 3-year average
HDFC Life settles 99.74% of all claims it receives, demonstrating strong credibility.
Contact Details
1800 266 9777
Headquarters: Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011
The plan has a minimum basic sum assured of ₹2 crore, subject to underwriting and acceptance.
Confirm the final accepted sum assured in the policy schedule.
Eligible policyholders may receive back premiums under the Smart Exit Benefit, subject to policy conditions.
Exercise timing and other restrictions apply.
An optional benefit may return eligible premiums on survival until maturity.
Available on payment of additional premium and subject to policy terms.
Eligible policyholders may defer premiums for up to 12 consecutive months under the stated conditions.
The official product page describes eligibility after five policy years and advance-notice requirements.
The product page describes an accelerated immediate death benefit of ₹5 lakh following claim intimation.
This is subject to the stated conditions and should not be confused with final claim settlement.
Option to receive eligible premiums back on survival until maturity.
Additional premium and policy conditions apply.
Option to select additional life cover for a spouse.
Subject to eligibility, underwriting and applicable premium.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
HDFC Life plans and claim process
It is an individual life insurance plan designed to provide financial protection to the policyholder’s family during the policy term, subject to the issued policy.
The official product page lists a minimum basic sum assured of ₹2 crore. Final acceptance is subject to underwriting.
The official product page lists an entry age of 18 to 65 years. Other eligibility requirements depend on the selected policy option.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official HDFC Life website before purchasing.
Official Website
hdfclife.com
Visit the official HDFC Life website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Option to select additional cover intended to support a child’s education.
Subject to policy conditions and additional premium where applicable.
Option to receive eligible death benefits through instalments instead of only a lump sum.
Available payout structures are governed by the policy terms.
Facility to defer eligible premium payments under the conditions specified by the insurer.
This is a conditional benefit, not an unconditional premium waiver.
A Return of Premium option is available on payment of additional premium, subject to policy terms and survival until maturity.
It is a conditional benefit that may return eligible premiums when exercised in accordance with the policy rules. It is not available at any time without restrictions.
The plan describes a Premium Break Benefit that may allow eligible policyholders to defer premiums for up to 12 consecutive months, subject to specified conditions.
The product describes an accelerated death benefit for specified terminal illnesses. Definitions, limits and eligibility conditions apply.
There is no single premium for every applicant. The premium depends on age, sum assured, policy term, payment term and selected benefits. Use the official insurer quote for an individual estimate.