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HDFC Life Click 2 Protect Ultimate is a non-linked, non-participating individual life insurance plan. It provides a death benefit during the policy term and an accelerated death benefit on diagnosis of a specified terminal illness, subject to policy conditions. Customers can choose a Return of Premium option, which provides a maturity benefit equal to eligible premiums paid when the option is selected and the policy remains in force until maturity. Death benefits can also be received in instalments under the applicable option.
HDFC Life protection plan with a death benefit, terminal illness benefit, optional Return of Premium and instalment payout choices.
Click 2 Protect Ultimate may suit customers looking for substantial life cover and a choice between a straightforward protection benefit and a return-of-premium option. The official product page lists a basic sum assured range of ₹1 crore to ₹3 crore. The main points to compare are the total premium, policy term, premium-payment term and whether the optional maturity benefit is worth its additional cost. The insurer also describes an accelerated death benefit for specified terminal illnesses. All benefits remain subject to the issued policy and its conditions.
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
A lump-sum death benefit is payable if the life assured dies during the policy term, subject to the policy.
The benefit calculation depends on the premium-payment option and policy terms.
If the optional Return of Premium benefit is selected, eligible premiums paid can be returned on survival until maturity.
An additional premium applies.
Provides acceleration of death benefits following diagnosis of a specified terminal illness.
The official page states that this benefit applies up to age 80, subject to the policy.
Offers an option to receive the death benefit through instalments instead of only as a lump sum.
Payout choices are governed by the policy terms.
The product offers single-pay, regular-pay and limited-pay structures.
Available payment terms depend on eligibility and policy conditions.
Option to receive eligible premiums paid on survival until maturity.
Available on payment of additional premium and subject to policy terms.
Option to receive eligible death benefits as instalments rather than only as a lump sum.
The payout structure is governed by the policy.
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 that provides life cover and offers optional Return of Premium and instalment payout choices, subject to policy conditions.
The official product page lists a minimum basic sum assured of ₹1 crore and a maximum of ₹3 crore.
The official eligibility criteria list a minimum entry age of 18 years and a maximum entry age of 50 years.
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)
Choose an available single-pay, regular-pay or limited-pay structure.
The available choices depend on eligibility and the selected policy term.
Eligible premiums can be returned on survival until maturity if the Return of Premium option is selected and the policy conditions are fulfilled.
Yes. The product offers an option to receive death benefits in instalments, subject to policy terms.
The product includes an accelerated death benefit for specified terminal illnesses, subject to the policy definition and eligibility conditions.
The official eligibility information lists single-pay, regular-pay and limited-pay structures.
The premium depends on the applicant, cover, policy term and selected options. Use the official HDFC Life quote for a personalised premium.