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HDFC Life Click 2 Protect 3D Plus is annon-linked term insurance plan that offers comprehensive protection at an affordable premium rate and secures your family against life's uncertainties.
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Here are the various key features of HDFC Life Click 2 Protect 3D Plus Plan:
Click 2 Protect 3D Plus is a non-linked, term insurance plan with Regular, Limited, and Single premium paying options.
Provides financial security to you and your family at low premium rates
Flexibility to select policy and premium payment terms as per your requirement
Special premium rates are offered for female lives
There are 9 different cover options available to choose from with the HDFC Life Click2Protect 3D Plus plan:
Life Option
Extra Life Option
3D Life Option
Income Option
Life-Long Protection Option
3D Life Long Protection Option
Extra Life Income Option
Income Replacement Option
Return of Premium Option
Premium rates are lower for non-smokers or non-tobacco users
The plan provides the flexibility to enhance your cover yearly using top-up options
All the future premiums will be waived off in case of accidental total permanent disability and on the diagnosis of the critical illness.
Life stage protection option offers to enhance the coverage on certain life stages without medical examinations.
Get the tax benefits on premiums paid as per prevailing Income Tax Laws
*Tax benefit is subject to changes in tax laws.
Term Plans
Here is the eligibility criteria for the HDFC Click 2 Protect 3D Plus plan:
| Eligibility Parameters | Life Option | 3D Life Option, Extra Life Option, Income Option, Extra Life Income Option | Income Replacement Option, Return of Premium Option | Life Long Protection Option | 3D Life Long Protection Option |
| Entry Age (Minimum) | 18 years | 18 years | 18 years | 25 years | 25 years |
| Entry Age (Maximum) | 65 years | ||||
| Policy Term (Minimum) | Single Pay : 1 month Regular & Limited Pay : 5 years | 5 years | 5 years | Whole of Life | Whole of Life |
| Policy Term (Maximum) | 85 years - Entry Age | 85 years - Entry Age | 40 years | ||
| Maturity Age (Maximum) | 23 years | 23 years | 23 years | Whole of Life | Whole of Life |
| Maturity Age (Minimum) | 85 years | 85 years | 85 years | ||
| Frequency of Paying a premium | Single/Annual/Semi-Annual/Quarterly/Monthly | Single/Annual/Semi-Annual/Quarterly/Monthly | Single/Annual/Semi-Annual/Quarterly/Monthly | Annual/Semi-Annual/Quarterly/Monthly | Annual/Semi-Annual/Quarterly/Monthly |
**All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
Let’s check out some of the most rewarding benefits available under the different cover options of the HDFC Click 2 Protect 3D plan.
Life Option: Under this cover option, nominees assigned by the policyholder are paid the lump sum benefit upon the diagnosis of terminal illness or the death of the policyholder. In the event of accidental total permanent disability, all the future premium payments are waived off.
Death/ Diagnosis of Terminal Illness Benefit- Total Sum Assured is paid as a Lump sum benefit to the nominee upon the diagnosis of terminal illness or death of the policyholder. The policy is terminated, thereafter.
Accidental Total Permanent Disability Benefit- In the event of accidental total permanent disability, the future premiums for policyholders are waived off. However, the policy remains in effect.
3D Life Option: Under this cover option, all the benefits of the life cover option are provided along with an additional future premium waiver upon the diagnosis of Critical Illness.
Death/ Diagnosis of Terminal Illness- Total Sum Assured is paid to the nominee in a lump sum upon the diagnosis of terminal illness or the death of the policyholder and the policy terminates, thereafter.
Accidental Total Permanent Disability- In the event of accidental total permanent disability, all future premiums are waived off. But the policy still remains intact.
Diagnosis of Critical Illness- In the event of diagnosis of critical illnesses, premiums payments for the future are waived off for the policyholder. Also, the policy stays in effect.
Extra Life Option: Under HDFC 3D Plus cover option, all the benefits of live cover option are provided to the policyholder along with an additional Extra Life Sum Assured option is provided to the nominee in the event of accidental death of the policyholder.
Death/ Diagnosis of Terminal Illness- Total Sum Assured is paid to the nominee in a lump sum upon the diagnosis of terminal illness or the death of the policyholder and the policy terminates, thereafter.
Accidental Total Permanent Disability- In the event of accidental total permanent disability, all future premiums are waived off. But the policy still remains intact.
Accidental Death – Upon the accidental death of the policyholder, Extra Life Sum Assured selected by the policyholder is paid as a lump sum benefit to the nominee in addition to the Diagnosis of Terminal Illness/Death benefits. The policy terminates, thereafter.
Income Option: Under HDFC 3D Plus cover option, the nominees are provided with a lump sum benefit and also a fixed income upon the death of the policyholder.
Death/ Diagnosis of Terminal Illness- Upon diagnosis of terminal illness or the death of the policyholder, the total sum assured is paid out to the nominee as a lump sum in addition to a level/increasing monthly income for the income period. Thereafter, the policy terminates.
Accidental Total Permanent Disability- In the event of accidental total permanent disability, all future premiums are waived off. But the policy still remains intact.
Extra Life Income Option: Under HDFC 3D Plus cover option, policyholders are given all the benefits of the income option, plus an additional lump sum benefit & Income benefit. This is paid upon death due to an accident.
Death/ Diagnosis of Terminal Illness- Upon diagnosis of terminal illness or the death of the policyholder, the total sum assured is paid out to the nominee in addition to a level/increasing monthly income for the income period. Thereafter, the policy terminates.
Accidental Total Permanent Disability- In the event of accidental total permanent disability, all future premiums are waived off. But the policy still remains intact.
Accidental Death – Upon the accidental death of the policyholder, Extra Life Sum Assured is paid to the nominees. This amount is paid in the same proportion in the form of a lump sum payment and a fixed monthly income.
Income Replacement Option: Under this cover option, nominees get regular monthly income upon the death of the policyholder.
Death/ Diagnosis of Terminal Illness- Upon the diagnosis of terminal illness/the death of the policyholder, 12 times of the Increased Monthly Income is paid to the nominees as the lump sum benefit in addition to the level/increasing income for the remaining term of the policy. Thereafter, the policy terminates.
Accidental Total Permanent Disability- In the event of accidental total permanent disability, all future premiums are waived off. But the policy still remains intact.
Return of Premium Option: Under the HDFC 3D Plus Plan option, all premiums are returned to the policyholders if the policyholder survives the term of the policy. Upon the diagnosis of terminal illness/death of the policyholder during the policy term, a lump sum benefit is paid out to the nominee.
Diagnosis of Terminal Illness/Death – Upon the diagnosis of terminal illness or the death of the policyholder, the total sum assured is paid out to the policyholders as lump sum benefit and monthly income for a fixed income period to the nominees.
Accidental Total Permanent Disability- In the event of accidental total permanent disability, all future premiums are waived off. But the policy still remains intact.
Maturity Benefit- Upon the survival of the policyholder till the maturity of the plan, total premiums paid are returned to the policyholder. Thereafter, the policy terminates.
Life Long Protection Option: Under this option, the nominee receives a lump sum benefit upon policyholder’s death or diagnosis of terminal illness. Moreover, future premiums will be waived in case of Accidental Total Permanent Disability.
Death/Diagnosis of Terminal Illness - Sum assured upon death of the policyholder will be paid in the form of lump sum benefit to the beneficiary/nominee and the policy will terminate.
Accidental Total Permanent Disability - All future payable premiums will be waived off and the policy will continue.
3D Life Long Protection Option: Along with the benefits of the Life Long Protection Option, you will also receive the added benefit of the waiver of all your future premiums in case you are diagnosed with critical illness.
Death/Diagnosis of Terminal Illness - The sum assured will be paid to the nominee in the form of lump sum benefit and the policy will terminate.
Accidental Total Permanent Disability - All the future payable premiums will be waived off and the policy will still continue.
Diagnosis of Critical Illness - All the future payable premiums will be waived off and the policy will still continue.
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Below mentioned are the riders of the HDFC Click 2 Protect 3D Plus plan:
HDFC Life Income Benefit on Accidental Disability Rider: In the event of an Accidental Total Permanent Disability, this rider offers a monthly benefit that is equal to 1% of the Rider Sum Assured for the next ten years. Plus, the Income Benefit on Accidental Disability rider does not provide maturity benefit.
HDFC Life Critical Illness Plus Rider: In the event that you are diagnosed with any of the 19 Critical Illnesses that are covered by this rider and survive for a period of 30 days after the diagnosis, you will receive a lump sum benefit equivalent to the Rider Sum Assured. This rider also doesn’t provide maturity benefits.
Below mentioned are the policy details of the HDFC Click 2 Protect 3D Plus plan:
Grace Period: It is the time given after the due date of a premium during which the policy is considered to be active along with the risk coverage. 30 days of grace period is allowed for yearly, half-yearly, and quarterly whereas 15 days is allowed for monthly payment mode.
Free Look period: If you are not satisfied with any policy T&Cs, you have the option to return the plan to the insurer mentioning the reasons within 15 days from the receipt date of the policy. The free look time for plans bought through online/distance marketing will be 30 days. Upon verifying the details, the insurer returns the premium minus deduction of the proportionate risk premium, the incurred expenses on medical exams and stamp duty charges.
Surrendering of Policy: The Surrender values are paid during the policy tenure, provided no claims are done under the plan.
Revival: You can revive the lapsed policy within 2 years consecutively of lapsation, subject to the T&Cs of the policy.
Suicide: In case of death because of suicide within an year (12 months) from the commencement risk date under the plan or from the revival date of the plan, the beneficiary/nominee of the policyholder shall be eligible to alteast 80 percent of the total premium amount paid till the surrender value or death date available as on the death date, whichever is more (provided the plan is active).
You can buy the HDFC Life Click 2 Protect 3D Plus Plan from Policybazaar with the help of the below mentioned easy steps:
Step 1: Visit the Policybazaar Life Insurance page.
Step 2: Provide all the necessary information, including your Name, Contact Number, and Date of Birth.
Step 3: Complete the remaining required details, such as smoking habits, annual income, occupation type, educational qualification, and click on 'View Plans'.
Step 4: Select the HDFC Life Plan from the available list of insurers.
Step 5: Enter additional information, such as your full name, email, annual income, occupation, and educational qualification.
Step 6: Enter your pincode, city, and nationality.
Step 7: Choose your preferred plan option and proceed to make the payment.
Step 8: Use your preferred payment method to pay the calculated premium and finalize the purchase process.
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
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