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

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 including taxes.

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  Lifelong coverage

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

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  Total protection

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

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  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).

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  Revise sum assured

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

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  Choice of plans

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

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  Flexible payments

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

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  Top-up option

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

• Variations

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  Life Option

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

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  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.
  
  

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  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.
   

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  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.
  
  

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  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.
  
  

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  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.
  
  

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  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.

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  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.
  

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

  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.
  
  

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.

• 2. Top-up Option

Increase your sum assured amount systematically after the first year of the policy.

Here’s how this plan works:

Disclaimer - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, Tata AIG General Insurance Company Limited, Oriental Insurance Company Limited, Max Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited and Manipal Cigna Health Insurance Company Limited under the IRDAI composite registration number CA0101.

Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. This product provides insurance coverage. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product.