HDFC Life Click 2 Protect Super

In the heart of Mumbai's clamouring Dadar Market, Raj, a 30-year-old guy, pushed his way through the crowds with the weight of the bags plaguing him and his phone humming. His wife Priya’s voice popped through, "And don't forget Aarav's cricket gear!" Aarav is their 12-year-old firstborn.

There was a billboard there amidst all the swirling throngs of people and vendors, announcing in big letters, "Secure Your Family's Tomorrow, Today!" The words became ingrained in his mind amidst the city's horns and cacophony.

And that night, after putting the children to bed, an empty nag kept creeping back into his mind: What if he couldn't be there for them?

A colleague's sudden and heart-rending death really shook him to the core and put him into thinking about the uncertainty of life. Determined to safeguard his own family from such difficulty, he started exploring and found the HDFC Life Click 2 Protect Super (C2PS) plan. Its flexible features resonated with his family's necessities, with increasing coverage matching the inflation and critical illness rider tending to his well-being concerns.

As he read through the policy, Raj could see beyond numbers- the dream of Priya's vision for her dream bakery, Aarav's cricket academy, little Dia's art classes, and much more. HDFC Life Click 2 Protect Super was not mere insurance but a promise to his family's aspirations.

Now, let's see how HDFC Life Click 2 Protect Super keeps the momentary pleasures safe in the future and how it could be useful to light the way for your family's future.
 

Key Features Of HDFC Life Click 2 Protect Super Plan

HDFC Life Click 2 Protect Super is a term insurance plan that gives you flexibility along with solid protection. It is about covering all the essentials while letting you customise as per your unique needs.

Here is a brief overview of its salient features:

• Flexible Coverage Options
  The plan offers multiple coverage options with three distinct plan options, allowing you to pick the one that best fits your needs.
• • Life
  • Life Plus
  • Life Goal

Each plan accompanies its own unique set of features and benefits, giving you the freedom to select the option that matches your monetary objectives and insurance necessities.

• Smart Exit Benefit
  The Smart Exit Benefit lets you exit your policy during a specified timeframe and receive the premiums you've paid, subject to certain terms and conditions.
   
• Life Stage Benefit
  Big moments in life - like getting married or having kids - often mean added responsibilities. The HDFC Life Click 2 Protect Super Plan allows you to bump up your sum assured during key milestones with Life and Life Plus options, subject to specific terms and conditions. For instance-
• • 1st Marriage: Increase by 50% of your basic sum assured, up to Rs 50 lakhs.
  • Birth of 1st Child: When a first child is born, your sum assured is increased by 25%, up to Rs 25 lakhs.
  • Birth of 2nd Child: Another 25% increase, up to Rs 25 lakhs

This way, your coverage can grow with your family!

• Rolling Limited Pay Option
  The Rolling Limited Pay option in this plan brings some real flexibility to your premium payments! You can opt to pay premiums for a set number of years while enjoying coverage for the entire policy term. Once that limited payment period wraps up, you can sit back and relax - your life cover remains active for the rest of the policy duration, and you won’t have to worry about paying premiums anymore.
   
• Death Benefit In Installments
  The plan also offers the flexibility to receive the death benefit in installments rather than a lump sum, allowing for smoother financial planning.
   
• Accidental Death Benefit
  If you opt for the Life Plus option, an additional payout is made to the family in the event of accidental death of the life assured, offering an extra layer of security when life takes unexpected turns.
   
• Return Of Premium Option
  Offered under the Life and Life Plus options, this feature ensures that if you outlive the policy term, you’ll receive a full refund of all the premiums you’ve paid as per outlined terms and conditions.
   
• Waiver Of Premium (WOP)
  This option allows for the waiver of future premiums if you face a listed critical illness or total and permanent disability, ensuring that you can keep your coverage without financial stress during tough times.
   
• Acceleration Of Death Benefit
  The plan includes a range of additional features that enhance coverage for extra peace of mind. Under the Life and Life Plus options, if you are diagnosed with a specified terminal illness (up to the age of 80), you can access the Acceleration of Death benefit, which provides financial support when you need it most.
   

Plan Options In HDFC Click 2 Protect Super Plan

HDFC Life Click 2 Protect Super Plan offers three distinct coverage options to cater to a variety of financial goals and protection needs. The premium varies in all the choices according to the level of coverage one selects.

Here is the rundown of options present in the plan -

1. Life: With this option, the life assured receives coverage for death benefits throughout the policy term. Plus, if a terminal illness is diagnosed, this benefit can be accelerated; therefore, it covers one at the time needed most.
    
2. Life Plus: This option ensures that the life assured is covered for death benefits, which can be accelerated if a terminal illness is diagnosed. Additionally, in the unfortunate event of accidental death during the policy term, an extra payout will be provided, offering even more financial support when it matters most.
    
3. Life Goal: With this option, the sum assured upon death will fluctuate each policy year, tailored to the ‘Level Cover Period’ and ‘Amortisation Rate’ selected by the individual. Such a feature allows for customised cover geared towards one's financial planning. 

And what about the plan’s numerous perks? Let’s explore them in detail below!
 

Benefits Of HDFC Life Click 2 Protect Super Plan

The perks of HDFC Life Click 2 Protect Super make it a great option for anyone wanting a strong-term insurance plan that can easily adjust to life’s twists and turns. So, let’s look at its numerous advantages:

1. Personalised Plan Options: The "Click 2 Protect Super" plans are designed to cater to your unique needs, offering options that fit perfectly with your personal requirements.
2. Spouse Coverage: Certain plan options, like "Life" and "Life Plus," allow you to include additional cover for your spouse, offering more comprehensive protection for your family.
3. Extend Policy Tenure: If the policy reaches maturity and the insured is still alive, there is an option to extend the plan's tenure.
4. Parent/Grandparent Protection: The "Parent Secure Option" under the "Life" plan allows you to financially protect your parents or grandparents, till their survival, ensuring their security.
5. Customisable Payout Options: The payouts can be tailored to suit the beneficiaries' financial needs by choosing a lump sum, regular income, or a combination of both.
6. Flexible Premium Frequency: The policy allows flexibility to adjust the premium payment frequency during the payment term.
7. Switch Premium Payment Terms: There is an option to switch from Regular Pay to Limited Pay, subject to certain terms and conditions, offering more control over your payment schedule.

Curious if you’re eligible for HDFC’s Click 2 Protect Super Plan but not in the mood for paperwork? We have the inside scoop right here, so don't worry!
 

Eligibility Criteria Of HDFC Click 2 Protect Super Plan

Ready to explore a plan built with flexibility for every stage of life? Here’s what you need to know about the three plan options- Life, Life Plus, and Life Goal- each designed to suit different protection needs.

1. Age Requirements:
   1. The minimum age to enter the plan is 18 years for all options.
   2. The maximum entry age varies by plan option:
      1. Life: Up to 84 years
      2. Life Plus and Life Goal: Up to 65 years
   3. The minimum maturity age is set at 18 years for the Life option and 23 years for the Life Plus and Life Goal options.
   4. The maximum age at maturity for all options is 85 years.
2. Policy Term:
   1. For Single Pay, the minimum policy term is:
      1. 1 month for the Life and Life Plus option.
      2. 5 years for Life Goal.
   2. For Regular Pay, the minimum policy term is 2 years for Life and Life Plus option.
   3. The minimum policy term for Limited Pay is:
      1. 3 years for Life and Life Plus option.
      2. 7 years for Life Goal.
3. Sum Assured:
   1. The minimum basic sum assured is Rs 5,000.
   2. For individuals entering the plan after age 65, the maximum sum assured is Rs 50,000.
   3. For all other cases, there’s no upper limit on coverage, but the approval will depend on the Board Approved Underwriting Policy (BAUP).
4. Premium Payment Terms (PPT):
   1. Available premium payment options include Regular Pay, Single Pay, and Limited Pay:
      1. Life: Offers all premium payment terms, with Limited Pay ranging from 2 years up to any duration less than the policy term. But if the entry age is over 65 years, only Single Pay is available.
      2. Life Plus: Offers all premium payment terms, with Limited Pay ranging from 2 years up to any duration less than the policy term.
      3. Life Goal: Only Limited Pay and Single Pay is available, with Limited Pay ranging from 2 years up to any duration less than the policy term.
5. Premium Payment Frequency:
   1. With the option to pay monthly, quarterly, half-yearly, or annually, you can select a frequency that fits your financial rhythm.

However, remember that all ages are calculated based on the last birthday, and the coverage begins from the contract's inception date.
 

Premium Details Of HDFC Life Click 2 Protect Super Plan

The premium details for HDFC Life Click 2 Protect Super depend on a few different factors, like your age, the sum assured, the plan option you choose, the policy term, how often you want to make premium payments, etc.

Let’s break down the main elements that can influence your premium:

1. Premium Payment Options: You can avail of the following premium payment options:
   1. Single Pay: You can benefit from the one-time lump sum premium payment.
   2. Regular Pay: Premiums are paid continuously throughout the policy term.
   3. Limited Pay: Pay premiums for a specified period while enjoying coverage that extends beyond the payment term.
2. Premium Payment Frequency: Payment modes are available annually, semi-annually, quarterly, or monthly.
3. Key Factors That Shape Your Premium: Check out the following reasons that can influence the premium:
   1. Age: Generally, younger and healthy individuals enjoy lower premiums.
   2. Sum Assured: Opting for higher coverage naturally leads to an increase in the premium.
   3. Plan Selection: Premiums are different for Life, Life Plus, and Life Goal. This is because of the difference in the benefits and riders chosen.
   4. Lifestyle Choices: Smoking or some other health condition may make a person pay higher premiums because the risk is perceived to be very high.
   5. Riders And Add-Ons: Including extra features like Accidental Death Benefit, Critical Illness Rider, or Waiver of Premium can enhance your coverage but may also raise the premium.

For an accurate premium estimate, head over to the SMC website. Just navigate to the term insurance section, fill in your details, and click on the "Get Quote" option. This will enable you to explore various scenarios and find the perfect fit for your needs.

Thinking about how this plan handles missed payments or tax breaks? Rest assured that we have all the policy details covered.
 

Policy Details Of HDFC Life Click 2 Protect Super Plan

Here are the policy details of the HDFC Life Click 2 Protect Super Plan:

1. Free-Look Period Cancellation
   For offering you peace of mind, the HDFC Life Click 2 Protect Super Plan offers you a free-look period. If you disagree with any of the policy's terms and conditions, you have the option to return the policy within 30 days of receiving it, whether electronically or otherwise. Simply state your reasons in line with the IRDAI (Protection of Policyholders’ Interests, Operations, and Allied Matters of Insurers) Regulations 2024, as amended over time.
   
   Once a letter is received and accompanied by the original policy document, unless in dematerialised or electronic form, the premium will be refunded. However, there will be deductions for the proportionate risk premium covering the time the policy was active, as well as any costs for medical exams and stamp duty.
    
2. Grace Period
   Life is unpredictable, and that’s why this plan includes a grace period. The grace period, which is the buffer period following the premium due date, is when the insurance remains fully covered. For this plan, the grace period will be 30 days for yearly, half-yearly, or quarterly. If you're on a monthly payment schedule, the grace period is 15 days from the due date.
   
   If there is a valid claim within the grace period, that is, before paying due or outstanding premium, the insurer will still honour the claim. However, the unpaid premium for the year will be deducted from the benefits before they reach you, ensuring everything's squared away.
    
3. Revival of Policy
   What happens if you miss a payment? Don’t worry! If the policy has lapsed due to non-payment of premiums, it can be revived by the insurer along with all the benefits outlined in the policy document, including any rider benefits, if applicable. To restore the policy, all due premiums and any applicable charges or late fees must be paid during the revival period, according to the policy’s terms and conditions. The insurer will assess the continued insurability of the insured based on the provided information, documents, and reports, following the guidelines of the board-approved underwriting policy.
   
   Reviving the policy is subject to the terms and conditions outlined in the document. To initiate the revival, an application must be submitted within five years from the due date of the first unpaid premium and before the policy term expires. Once the policy is successfully revived, the individual will be eligible to receive benefits according to the policy terms.
    
4. Tax Benefits
   Another perk of the HDFC Life Click 2 Protect Super Plan is the potential for tax benefits. Premiums paid under this plan, along with any benefits received, may qualify for tax benefits under relevant sections of the Income Tax Act, 1961, subject to amendments over time.
    
5. Additional Details
   An extra underwriting premium may be applied for substandard lives and smokers, following the insurer's current underwriting policy. Additionally, loans cannot be taken out under this policy.

Now, are you thinking of enhancing your insurance safety net? Here’s a quick look at the riders that can boost your HDFC Life Click 2 Protect Super plan!
 

What Are The Riders Of HDFC Life Click 2 Protect Super Plan?

Here are some rider options available to help boost your protection, with updates made from time to time:

1. HDFC Life Income Benefit On Accidental Disability Rider
   In case of an accidental total permanent disability, the Accidental Disability Rider provides a monthly benefit equal to 1% of the rider sum assured for the next 10 years. However, this rider will not comprise any maturity benefits.
    
2. HDFC Life Critical Illness Plus Rider
   If the insured is diagnosed with one of the 19 specified critical illnesses and survives for 30 days post-diagnosis, a lump sum payout will be made. However, note that it does not have any maturity benefit.
    
3. HDFC Life Protect Plus Rider
   A benefit, calculated as a proportion of the rider sum assured, will be paid in the event of accidental death, partial or total disability due to an accident, or a cancer diagnosis, based on the option selected under this rider. Heads-up: maturity benefit is not included under this rider.
    
4. HDFC Life Health Plus Rider
   On the diagnosis of any one of the 60 critical illnesses defined, a lump sum amount equal to the rider sum assured will be provided. Alternatively, if diagnosed with early-stage cancer or major cancer, a benefit will be paid based on the chosen option, reflecting a proportionate amount of the rider sum assured. Notably, this rider does not accrue any maturity benefit as well.

To acquire total information about all the facts, terms, and conditions of riders, one should refer to the Rider Brochures. They will get you to comprehend everything that has to be understood.

Riders offer additional coverage, and you can view the options accessible to you in the table underneath:

When opting for the Life Goal option, riders are only available during the Level Cover Period. For all other options, the policy terms (PT) and premium payment terms (PPT) of the riders will align with those of the base policy. Riders cannot be added if their policy term or premium payment term exceeds that of the outstanding base policy.

Additionally, when adding riders to the base options, it's important to ensure that there’s no duplication of benefits between the riders and the base product. If any overlap occurs, the attached riders won’t be permitted.
 

Exclusions Of HDFC Life Click 2 Protect Super

The HDFC Life Click 2 Protect Super plan has some exclusions where policy benefits won’t be paid out. It’s really important to be aware of these exclusions so you know what situations might not be covered. Here’s a rundown of the key exclusions under this plan -

• Suicide Exclusion
  In the unfortunate event of death by suicide occurring within 12 months from the commencement of risk under the policy or from the date of revival, the nominee or beneficiary will be eligible to receive at least 80% of the total premiums paid until the death date or the surrender value that was available at the time, whichever is greater. This is applicable as long as the policy remains active.
   
• Pre-Existing Health Conditions
  Failing to disclose any pre-existing health conditions during the policy application could result in exclusions or hassles during a claim.

Please be aware, though, that the aforementioned exclusions are only the beginning. For a thorough and detailed breakdown of all exclusions, terms, and conditions related to the different options of the HDFC Life Click 2 Protect Super plan’s available riders, be sure to check the official policy documents.
 

Documents Required For HDFC Life Click 2 Protect Super

When buying a term insurance policy, whether you choose to go online after comparing plans or prefer to purchase offline, you'll need to submit a specific set of documents. Remember that due to your particular situation, specific requirements may vary. Here’s a list of some common documents you’ll likely need-

1. Identify Proof: You’ll require an Aadhaar card, driving licence, voter ID card, passport, authority letter verifying identity, etc.
2. Age Proof: You might need a driving licence, PAN card, birth certificate, passport, etc.
3. Address Proof: This can include a bank account statement, ration card, telephone bill, electricity bill, passport, voter ID card, pension order issued by the government, etc.
4. Income Proof: You’ll need the employer’s certificate, latest Form 16, Income Tax assessment order, latest salary slip, income tax returns, CA’s certificate showing income for the past 3 years, etc.
5. Extra Documents: You may need to provide additional documents beyond those listed above to further support your application.
    

Downloads

For a deeper understanding of the risk factors, terms, and conditions associated with the HDFC Life Click 2 Protect Super plan, it’s a great idea to take a close look at the following documents:

• Click 2 Protect Super Brochure
• Click 2 Protect Super Policy Bond

These documents of the HDFC Life Click 2 Protect Super plan are critical to fully grasping the policy details, keeping you well-informed before making a decision - somewhat like having every jigsaw piece ready to put together in front of you.
 

Other HDFC Life Plans

HDFC Life has a range of life insurance plans designed to meet various financial needs. Let’s take a look at some of the standout term plans they offer:

1. HDFC Click 2 Protect Elite
   HDFC Life Click 2 Protect Elite Term Insurance Plan
    
2. HDFC Life Sanchay Legacy
   HDFC Life Sanchay Legacy Term Insurance Plan 

Eager to safeguard your future with the HDFC Life Click 2 Protect Super Plan? Here’s your quick guide to make the process a breeze!
 

How To Buy HDFC Life Click 2 Protect Super Plan From SMC?

Here’s a straightforward guide on how to get the HDFC Life Click 2 Protect Super Plan from SMC:

Step 1: Explore the SMC website

Head over to the Term Life Insurance section.

Step 2: Fill in your basics

Simply provide your email address, phone number, gender, and birthdate, then click "Continue."

Furthermore, remember to do the following:

• Choose your yearly income: Next, enter your yearly income. This will help figure out the sum assured for your policy.
• Choose Coverage Duration by Age: Now, pick the age at which you want your coverage to end.
• Tobacco Usage Query: When it comes to tobacco use, you'll need to answer the question: Have you smoked or chewed tobacco in the last year? If you have, go ahead and select "Yes." If not, just choose "No." It’s a straightforward question, but important for your application!

Step 3: Get your Quote

Once you’re all set, just hit the “Get Quote” button to move forward with your purchase.

Step 4: Finalise your Purchases

To complete the process, simply adhere to the on-screen prompts.
 

Claim Process: HDFC Life Click 2 Protect Super

Here are the four major steps that you can follow for the HDFC  Life Click 2 Protect Super claim process:

Step 1: Notify the Insurer

To kick off the claim settlement process, your nominee needs to let the insurance company know about the claim. There are a few ways they can do this, like:

• Intimating the insurer by physically visiting the nearest branch office.
• Intimating the insurer through their website.
• Reach out via phone or email.
• Intimation by contacting the insurance company’s toll-free number. 

The claim settlement process will commence immediately upon notification to the insurance company.

Step 2: Document Submission

Next, your nominee will need to submit a duly filled claims form to the insurer. They can easily find this form on the insurance company’s website or pick one up at a nearby branch office. 

Along with the completed claim form, your nominee will also need to provide some supporting documents to back up the claim.
 

Documents Required For Claim Submission

Here’s a rundown of the insurance documents your nominee will need to submit when filing a claim:

• In case of Natural Death
  • Original policy certificate
  • Nominee's address proof
  • A copy of the death certificate provided by the local government
  • Copy of medico-legal cause of death
  • Photo identity proof
  • Cancelled cheque
  • Bank passbook copy
  • Medical records (such as admission notes, test reports, discharge/death summary, etc.)
• In the event of an Unnatural Death
  • Original policy certificate
  • Nominee's address proof
  • Copy of FIR
  • A copy of the death certificate provided by the local government
  • Photo identity proof
  • Cancelled cheque
  • Copy of medico-legal cause of death
  • Bank passbook copy
  • Postmortem report
  • Medical records (like admission notes, test reports, discharge/death summary, etc.)
  • Inquest report
  • Panchanama
  • Driving license

Once your nominee submits all the necessary documents, the insurance company will kick off the claim processing right away.

Step 3: Submit Additional Documents Promptly

Occasionally, the insurance company might request some extra documents from your nominee to back up the claim. It’s important for them to get these additional papers submitted promptly to keep the claim settlement on track.

Step 4: Claim Approval and Payout

Once your nominee submits all the required documents, the insurance company will take a close look at everything to determine if they should approve or reject the claim. If the claim gets the green light, the payout will be made according to the option you selected when you bought the term insurance policy.

Keep in mind that the documents needed for a term insurance claim and the steps involved can vary from one insurance company to another. So, it’s a good idea to check with your insurer about these details when you’re buying the policy. Once you have the list of required documents, gather everything and consider storing them digitally in an e-insurance account or on the Digilocker app. That way, you can easily share the account details with your nominee whenever needed.
 

Thus, In A Nutshell,

HDFC Life Click 2 Protect Super offers more than fundamental term insurance—it's your complete shield against life's vulnerabilities. The plan adapts to life-altering events, with adaptable coverage options and valuable add-ons that allow you to build protection around your family’s necessities. Choose from Life, Life Plus, or Life Goal variants to match your monetary needs. Rest easy knowing your loved ones are safeguarded while you make progress towards your dreams. This thoughtfully designed plan guarantees your family's security stays solid, regardless of what tomorrow brings.
 

FAQs