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HDFC Life Click 2 Protect Supreme Plus is a non-linked, non-participating individual life insurance plan designed to provide financial protection to the policyholder’s family. The plan offers multiple ways to structure life cover according to changing financial responsibilities. The product provides Life, Life Plus and Life Goal options, allowing customers to choose a protection structure suited to their needs. Depending on the selected option, customers can also access benefits such as increasing death benefit, Return of Premium, accidental death protection, terminal illness acceleration, premium-waiver options and additional family protection benefits. The plan is designed for customers who want more flexibility than a basic level-term policy and are willing to compare several optional benefits before choosing the final configuration.
A comprehensive HDFC Life term insurance plan with flexible protection choices, Return of Premium, increasing cover, terminal illness protection and premium-waiver options.
Click 2 Protect Supreme Plus is a feature-rich term insurance plan rather than a simple level-cover policy. Its main strength is flexibility: the customer can select the protection structure and add benefits according to changing family and financial responsibilities. The Life option can provide increasing death benefits of up to 200%, while the Life Goal option allows the death benefit to vary according to the selected structure. The plan also provides an option to return premiums on survival till maturity and offers additional protection through accidental death, terminal illness acceleration and premium-waiver benefits. The product can also accommodate family-oriented needs through spouse cover, Education Income Benefit and parent-related options. However, more options also mean more conditions and potentially higher premiums. A buyer should compare the cost of optional benefits with a straightforward pure-term policy before selecting the final combination. HDFC Life currently lists the plan as UIN 101N189V03 and describes it as a Non-Linked, Non-Participating, Individual, Pure Risk Premium/Savings Life Insurance Plan.
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 Life option can provide an increasing death benefit of up to 200%, helping the protection amount grow during the policy term.
Available under the applicable Life option and policy conditions.
The Return of Premium option can return 100% of Total Premiums Paid as a lump sum on survival till maturity, subject to the selected option and policy conditions.
Optional benefit and additional premium may apply.
The Life Stage structure allows the protection to increase around specified life milestones, helping cover evolve as financial responsibilities change.
Applicable according to the selected plan structure.
The plan provides acceleration of death benefit on diagnosis of specified terminal illnesses, subject to the applicable definition and conditions.
Available subject to policy terms.
An additional amount can become payable in case of accidental death during the policy term under the applicable plan option.
Availability depends on the selected plan option.
Returns 100% of Total Premiums Paid on survival till maturity when the applicable option is selected and all conditions are satisfied.
Additional premium applies.
Future premiums can be waived following diagnosis of a qualifying critical illness.
Optional benefit.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
HDFC Life plans and claim process
It is a non-linked, non-participating individual life insurance plan offering multiple protection structures including Life, Life Plus and Life Goal options.
The Return of Premium option can return 100% of Total Premiums Paid on survival till maturity, subject to the selected option and applicable policy conditions.
Yes. The Life option can provide increasing death benefits of up to 200%, while applicable Life Stage structures can increase protection at specified milestones.
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)
Future premiums can be waived following qualifying total and permanent disability.
Optional benefit.
Provides an option to add additional life protection for the spouse.
Subject to eligibility and applicable terms.
The applicable waiver option can provide premium protection following qualifying accidental death of the husband.
Subject to product conditions and applicable eligibility.
Yes. An additional amount can be payable in case of accidental death during the policy term under the applicable plan option.
The plan provides a Waiver of Premium on Critical Illness option. This should not be confused with a standalone critical illness policy that pays a separate lump sum on diagnosis.
Specified terminal illnesses can qualify for acceleration of the death benefit, subject to the applicable policy definition and conditions.
No. Loans are not allowed against this policy.
No. Return of Premium is an optional benefit and requires selection according to the applicable product terms.