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HDFC Term Insurance Plan - Click 2 Protect 3D Plus Policy

HDFC Click 2 Protect 3D Plus

A simple yet a comprehensive insurance plan that provides lifelong protection against death, disability, and disease. With HDFC Click 2 Protect 3D Plus, get a life cover upto Rs.1 crore at only Rs.521* per month.
 

Features and Benefits

  • Lifelong coverage

    Get a comprehensive and a lifelong financial protection for your loved ones.

  • Total protection

    Get coverage against death, accidental disability, or diagnosis of critical illness.

  • Premium waiver

    Get your future premiums waived off, in case of an Accidental Total Permanent Disability or on the diagnosis of Critical Illness (under certain plans).

  • Revise sum assured

    Increase your insurance cover on key life events without fresh medicals.

  • Choice of plans

    Choose from 9 different plans and get features like running monthly income for nominees or return of premium.

  • Flexible payments

    Get the flexibility for your premium payment options, choose a single, regular, or limited payment frequency.

  • Top-up option

    Have an option to increase your sum assured every year with a top-up option.

  • Variations

  • Life Option

    Lump sum amount on death.
    Future premiums are waived off upon Accidental Total Permanent Disability but the policy continues.

  • 3D Life Option

    Lump sum amount paid on death.
    Future premiums are waived off and the policy continues on Accidental Total Permanent Disability or diagnosis of a Critical Illness.

  • Extra Life Option

    Lump sum amount paid on death.
    Extra lump sum benefit paid on death due to an accident, then the policy terminates.
    But in case of an Accidental Total Permanent Disability, all premiums are waived off and the policy continues.
     

  • Income Option

    Sum assured paid on death.
    Monthly income paid for a specified period before the policy terminates.
    In case of an Accidental Total Permanent Disability, future premiums are waived off but the policy continues.

  • Extra Life Income Option

    Sum assured paid as a lump sum amount on death.
    Monthly income paid to nominees as per policy terms.
    Extra sum assured paid on death due to an accident.
    In case of an Accidental Total Permanent Disability, future premiums are waived off.

  • Income Replacement Option

    12 times of increased monthly income paid as lump sum benefit on death or diagnosis of Terminal Disease.
    Increasing monthly income paid till the end of policy date.
    Future premiums are waived off in case of Accidental Total Permanent Disability.

  • Return of Premium Option

    Lump sum benefit paid on the death.
    Total premium* returned if the policy matures before the death.
    Future premiums waived off in case of an Accidental Total Permanent Disability.

     

    * Refer to the product brochure for complete terms and conditions.

  • Life Long Protection Option

    The policy term is for whole life.
    Nominee gets a lump sum amount on death or diagnosis of Terminal Illness.
    Future premiums are waived upon Accidental Total Permanent Disability.

  • 3D Life-Long Protection Option

    The policy term is for whole life.
    Nominee gets a lump sum on death or diagnosis of Terminal Illness.
    Future premiums are waived upon Accidental Total Permanent Disability and diagnosis of Critical Illness.

Eligibility

You should meet the following eligibility criteria to get approved for this plan:

  • You should be between 25 to 65 years of age for Life Long Protection Option & 3D Life-Long Protection Option.

  • For other plans, you should be between 18 to 65 years of age.

  • The policy term should be between 5 to 40 years and maturity age should between 23 to 75 years for all plans except Life-Long Protection Option & 3D Life-Long Protection Option.

  • Minimum sum assured should be Rs.10 lakh.

Riders


Here are the additional features available for this plan:

  1. Life Stage Protection
Increase the sum assured amount by up to Rs.50 lakh on key milestones like marriage or birth of child.
  1. Top-up Option
Increase your sum assured amount systematically after the first year of the policy.

How It Works

Here’s how this plan works:

  • 1

    Step 1 :

    Customize your cover by choosing a plan, sum assured, policy term, and premium payment terms.

  • 2

    Step 2 :

    Provide your age, gender, tobacco preferences, and get a quote for your premium.

  • 3

    Step 3 :

    Provide your personal, medical, employment, and nomination details.

  • 4

    Step 4 :

    Pay the premium amount and receive your policy document.

  • 5

    Step 5 :

    Manage your policy with an online account.

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