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HDFC Life Click 2 Protect Life is a non-linked, non-participating individual life insurance plan designed to provide financial protection to the policyholder’s family. It offers multiple options, including Life Protect for basic life cover, Life & CI Rebalance for a changing balance between life and eligible critical illness cover, and Income Plus for life cover with an income benefit from age 60, subject to policy terms. Return of Premium and accidental death benefits depend on the selected option.
Choose from Life Protect, Life & CI Rebalance and Income Plus options, with additional benefits depending on the selected option.
The main advantage of Click 2 Protect Life is the choice between different protection objectives. Customers wanting straightforward life cover can consider Life Protect, while those looking for a critical illness benefit or income-oriented option can evaluate the relevant alternatives. Benefits differ by option, and some require additional premiums. Compare the policy term, premium-payment term, benefit definitions and exclusions before choosing.
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
Provides a lump-sum death benefit to the nominee if the life assured dies during the policy term.
Benefit is subject to the policy being in force and applicable terms.
Balances life cover and eligible critical illness cover over time, with critical illness cover increasing and life cover reducing according to the policy structure.
Covered conditions and benefit calculations are defined in the policy.
Provides life cover and regular income from age 60, along with maturity benefits as specified for the selected variant.
Income eligibility, amount and duration depend on policy terms.
Eligible premiums may be returned on survival until maturity under applicable options.
Availability and calculation depend on the selected option.
Additional sum assured may be payable for accidental death when the relevant option is selected.
Additional premium and policy conditions may apply.
Provides additional sum assured for eligible accidental death claims.
Available under the specified option on payment of additional premium.
May return eligible premiums if the policyholder survives until maturity.
Availability depends on the selected plan option and terms.
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 offering different options for life protection, critical illness-related benefits and income-oriented benefits.
The official product page lists Life Protect, Life & CI Rebalance and Income Plus.
Critical illness-related cover is available under specified options. Covered conditions and benefits depend on the policy wording.
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)
Waives eligible future premiums following diagnosis of a covered critical illness under applicable options.
The list of covered conditions and eligibility are defined in the policy.
A Return of Premium benefit is available under specified options and conditions.
An additional accidental death benefit is available under the applicable option, subject to policy conditions and any additional premium.
Income Plus provides life cover and regular income from age 60 under its terms. The amount and duration depend on the policy selected.
The premium depends on age, sum assured, policy term, payment term and selected benefits. Obtain a personalised quote from HDFC Life.
Use the official HDFC Life product page and download its latest brochure and policy documents before purchasing.