HDFC Life Click2Wealth

Focusing on the present and future is essential, as both are equally important. While one progresses in the present, investing in the future is also important. HDFC Life Click2Wealth provides the insured person with an opportunity to secure their retirement, child's future, or any other heavy expenses. This insurance plan offers market-linked returns and offers life protection.

Key features and benefits

• 

  Charges

  Only fund management charges are charged for managing your funds and mortality charges are charged for your life cover.

• 

  Special additions

  This policy gives you 1% of the annualised premium to your fund value for the first five years*.
  *For single premium, the special addition is 1% of the single premium at inception only.

• 

  Return of mortality charges

  In the premium wavier option, the mortality charges for the insured is refunded. This benefit will not be available for all the policies, waiver of benefit is triggered due to death coverage.

• 

  Premium wavier benefit

  The premium wavier benefit secures your loved ones in your absence.

• 

  Systematic transfer plan strategy

  This benefit enables you to invest a fixed amount at a regular interval. This will help you manage your other expenses.

Here’s a look at the details covered under the policy:

HDFC Life Click2Wealth
Insurer name	HDFC Life Insurance Company Limited
Policy type	Individual (self only)/family floater
Types of plans	Invest plus Premium waiver option Golden years benefit option
Entry age	Invest plus: 0-65 years Premium waiver option: 18-75 years Golden years benefit option: 99 years
Maturity age	Invest plus: 18-75 years Premium waiver option: 18-75 years Golden years benefit option: 99 years
Minimum premium including all taxes	For all plan types: Single: Rs. 24,000 Annual: Rs. 12,000 Half-yearly: Rs. 6,000 Quarterly: Rs. 3,000 Monthly: Rs. 1,000
Maximum premium including all taxes	For all plan types: No limit, subject to Board Approved Underwriting Policy (BAUP)
Policy term	Invest plus: 10-40 years Premium waiver option: 10-40 years Golden years benefit option: 99 minus the age at entry

HDFC Life Click2Wealth is a unit linked, non-participating, life insurance plan which comes with three plans namely – invest plus, premium waiver, and golden plus. The plans are available at affordable premiums starting from Rs. 2,000 including all taxes and offers a maximum coverage of Rs. 8.75 lakh.

The plan offers the below investment funds:

• Diversified equity fund
• Blue-chip fund
• Balanced fund
• Bond fund
• Discovery fund
• Equity advantage fund
• Opportunities fund
• Liquid fund
• Bond Plus fund
• Secure advantages fund

a. You can move from accumulated funds to another fund from one to another anytime. You can make unlimited free switches during the policy tenure.
b. You can pay future payments in different funds
c. Partial withdrawal will not be allowed, it will lead to the terminal of the contract
d. The policyholder can request withdrawals of systemic funds.

Here are the steps to purchase the policy:

• To apply the HDFC Click2Wealth Plan, click on the ‘Apply Now’ button, and fill in your basic and health details. The insurer’s representative will get in touch with the insured and provide them further assistance.
 
• Please ensure that the information given in the form is complete and accurate. 
• The insured may be required to undergo a pre-policy medical examination at one of the insurer’s network diagnostic centres.
• Policy schedule, policy wordings, cashless cards, and health guide will be sent to the insured’s mailing address.

Here’s the list of mandatory documents required to purchase the policy:

• Photograph of the applicant(s)
• Age proof such as birth certificate, voter’s ID, PAN card, passport etc.
• Identity proof such as passport, Aadhaar card, PAN card, voter’s ID etc. 
• Income proof such as Form 16, salary slips, employment certificate etc. 
• Address proof such as telephone bill, electricity bill, passport, bank statement, voter’s ID etc.
• Medical tests that the insurer requires you to undergo

Here’s how you can process the claim:

Cashless claims

The insured can avail the benefit of cashless treatment at any of the insurer’s network hospitals across the country. Here are the documents required for processing cashless claims:

• First, search for an HDFC network hospital in the city where you want to get cashless treatment.
• Intimate the insurer within 48 hours (emergency hospitalisation) and 3 days before admission in case of planned hospitalisation.
• While visiting the hospital, carry the patient’s insurance cashless card or the policy details.
• Show the health insurance cashless card and valid ID proof at the insurance desk of the hospital.
• Fill in the pre-authorisation request form correctly, which will be available at the hospital and submit it to the hospital.
• For quicker action, fill the request form on the official website and intimate the insurer. Wait for the decision as your request will be reviewed.
• The insurer may take up to 2 hours after receiving the request and will inform about the decision via an e-mail and an SMS.
• The insured can also check the status online on https://www.hdfclife.com. The claim will be processed as per the terms and conditions of the policy after all the formalities are completed.

Reimbursement claims

Here are the documents needed to process reimbursement claim

• In case of an emergency admission, you need to notify the insurer within 48 hours and pay the charges to the hospital directly unless a pre-authorisation has been issued by the insurer.
• For collection and submission of claim documents, you need to send the list of the documents in original form within 15 days of discharge from the hospital. You can collect these documents from the hospital and submit them to the insurer:

1. Claim form duly filled and signed by you/insured
2. Hospitalisation discharge card/summary
3. Hospital invoice(s) (summary and itemised invoices) and corresponding payment receipts
4. Surgical summary (in case the life assured has undergone surgery).
5. All supporting diagnostic reports and prescriptions
6. All pharmacy receipts and corresponding prescriptions
7. Ambulance invoice if applicable

You will also need to submit self-attested copies of the following documents:

1. Health card or policy document
2. ID proof (PAN card, Aadhar card, passport, driving license, voter’s identity card, bank passbook/statement).
3. In case of cashless claims, ID proof should contain the photograph of the ID card holder.
4. It would be preferable to provide NEFT details and supporting documents (cancelled cheque/bank passbook/statement) at the time of claim registration.

• After reviewing the documents, the insurer will approve or reject the same as per the terms and policy.
• If the request is approved, the insurer will send the reimbursement amount via NEFT to your registered bank account.
• If the request is rejected, the same will be communicated to the insured’s registered contact phone number and email id.

Here are some of the exclusions under this policy:

• Suicide: In case of insured’s death due to suicide within 12 months from the policy start date or policy revival date, then the nominee will receive the fund value as available on intimation of death. In case of death due to prosper, where prosper is different from the insured in premium wavier option, the policy shall continue without the benefit of the waiver plan.
• Failure to take medical advice
• Any sort of involvement in criminal activity

Note: Refer the policy brochure to know more about the exclusions.

For claim/assistance, you can contact us/insurer through one of the following ways:

BFL Helpline Number: 08698010101

HDFC Life Helpline Number: 1800-266-9777

E-mail: wecare@bajajfinserv.in

Mailing address: Ground Floor, Bajaj Finserv Corporate Office, Off Pune-Ahmednagar Road, Viman Nagar, Pune – 411014.

*For claim-related issues please refer to your policy document or Certificate of Insurance (COI).