This is a comprehensive plan that covers the policyholder with a range of options. This protection plan provides this comprehensive coverage at affordable costs so that the person's family is protected from vagaries of life that may come upon any time. In this C2P 3D Plus Brochure, some of this plan’s eligibility, features, benefits, purchase process, terms and conditions, and exclusions are given.
Note: Know more about what is term insurance first before reading this article.
Eligibility Criteria for HDFC Click 2 Protect 3D Plus Plan
This C2P 3D Plus Brochure gives the eligibility for this plan. It is as follows:
-
Minimum Age at Entry
- Life Option – 18 years
- 3D Life Option – 18 years
- Extra Life Option – 18 years
- Income Option – 18 years
- Extra Life Income Option – 18 years
- Income Replacement Option – 18 years
- Return of Premium Option – 18 years
- Life-Long Protection Option – 25 years
- 3D Life Long Protection Option – 25 years
-
Maximum Age at Entry
- Life Option – 65 years
- 3D Life Option – 65 years
- Extra Life Option – 65 years
- Income Option – 65 years
- Extra Life Income Option – 65 years
- Income Replacement Option – 65 years
- Return of Premium Option – 65 years
-
Minimum Policy Term
- Life Option – 5 years
- 3D Life Option – 5 years
- Extra Life Option – 5 years
- Income Option – 5 years
- Extra Life Income Option – 5 years
- Income Replacement Option – 5 years
- Return of Premium Option – 5 years
- Life-Long Protection Option – Whole of Life
- 3D Life Long Protection Option – Whole of Life
-
Maximum Policy Term
- Life Option – 40 years
- 3D Life Option – 40 years
- Extra Life Option – 40 years
- Income Option – 40 years
- Extra Life Income Option - 40 years
- Income Replacement Option – 40 years
- Return of Premium Option – 40 years
- Life-Long Protection Option – Whole of Life
- 3D Life Long Protection Option – Whole of Life
-
Premium Payment Mode
- Life Option – Single Pay, Regular Pay, Limited Pay (5 years to 39 years)
- 3D Life Option – Single Pay, Regular Pay, Limited Pay (5 years to 39 years)
- Extra Life Option – Single Pay, Regular Pay, Limited Pay (5 years to 39 years)
- Income Option – Single Pay, Regular Pay, Limited Pay (5 years to 39 years)
- Extra Life Income Option - Single Pay, Regular Pay, Limited Pay (5 years to 39 years)
- Income Replacement Option – Single Pay, Regular Pay, Limited Pay (5 years to 39 years)
- Return of Premium Option – Single Pay, Regular Pay, Limited Pay (5 years to 39 years)
- Life-Long Protection Option – Limited Pay (65 years – Age at Entry)
- 3D Life Long Protection Option – Limited Pay (65 years – Age at Entry)
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Premium Payment
- Life Option – Single, Monthly, Quarterly, Half-yearly, Yearly
- 3D Life Option – Single, Monthly, Quarterly, Half-yearly, Yearly
- Extra Life Option – Single, Monthly, Quarterly, Half-yearly, Yearly
- Income Option Single, Monthly, Quarterly, Half-yearly, Yearly
- Extra Life Income Option - Single, Monthly, Quarterly, Half-yearly, Yearly
- Income Replacement Option – Single, Monthly, Quarterly, Half-yearly, Yearly
- Return of Premium Option – Single, Monthly, Quarterly, Half-yearly, Yearly
- Life-Long Protection Option – Annual, Semi-Annual, Quarterly, Monthly
- 3D Life Long Protection Option – Annual, Semi-Annual, Quarterly, Monthly
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Minimum Age at Maturity
- Life Option – 23 years
- 3D Life Option – 23 years
- Extra Life Option – 23 years
- Income Option – 23 years
- Extra Life Income Option – 23 years
- Income Replacement Option – 23 years
- Return of Premium Option – 23 years
- Life-Long Protection Option – Whole of Life
- 3D Life Long Protection Option – Whole of Life
-
Maximum Age at Maturity
- Life Option – 75 years
- 3D Life Option – 75 years
- Extra Life Option – 75 years
- Income Option – 75 years
- Extra Life Income Option – 75 years
- Income Replacement Option – 75 years
- Return of Premium Option – 75 years
- Life-Long Protection Option – Whole of Life
- 3D Life Long Protection Option – Whole of Life
Salient Features of C2P 3D Plus Plan
This C2P 3D Plus Brochure lists the many features this plan has:
- The policyholder and their family get protection at highly affordable costs.
- There are nine plan options to choose from and customize.
- There is an option for a premium waiver under all plans for accidental total permanent disability and additionally, if one receives a critical illness diagnosis for 3D and 3D Life Long Protection options.
- Entire life protections are available under Life Long Protection and 3D Life Long Protection Plans
- There are many options to choose from in premium payment mode and frequency.
- A feature called the 'Life Stage Protection' offers the option to raise insurance cover on certain milestones without the need for medicals.
- Cover can also increase every year by using top-up.
- Women and non-tobacco users get discounts on premiums.
- Tax benefits are available, subject to amendments in existing laws.
Core Benefits/Advantages of C2P 3D Plus Plan
In this C2P 3D Plus brochure, the advantages and benefits of the plan are given below:
- Death Benefit – This is the sum assured received on death.
- Terminal Illness Benefit – This benefit is thereunder, and all options and the payment of death benefit get accelerated on the diagnosis of a terminal illness.
- Benefit on Accidental Total & Permanent Disability – Waiver for all future premiums on the occurrence of a total & permanent disability due to an accident.
- Critical Illness Benefit - Waiver for all future premiums on the diagnosis of a critical illness, as available under 3D Life and 3D Life Long Protection options.
- Accidental Death Benefit – Extra life sum assured is payable and death benefit on the occurrence of accidental death.
- Maturity Benefit – All premiums are returned upon survival till the end of the policy’s term under the Return of Premium Option.
- Life Stage Protection – Upon reaching key milestones, the basic sum assured can increase on first marriage by half and first and second childbirths by quarter.
- Top Up Option – This option exists for all plans to systematically increase cover from the first anniversary of the policy's commencement.
- Tax Benefits-This plan offers tax benefits on the premiums paid.
*Tax benefit is subject to changes in tax laws.
The Process to Purchase C2P 3D Plus Plan
The process to purchase based on the C2P 3D Plus Brochure is the serenest when done online. The process is seamless and easy to master. Here are some of the broad steps:
Step 1: Visit the company website to log in.
Step 2: Enter the sum assured as the first step.
Step 3: Choose the policy and plan based on this C2P 3D Plus Brochure.
Step 4: Select a term and mode for paying premiums.
Step 5: Once the details have been entered, a premium amount will be shown.
Step 6: At this point, it becomes necessary for the applicant to select their bank to proceed with payment.
Step 7: On completion of payment, the applicant receives an acknowledgement.
Step 8: Based on the plan selected, as given here in the C2P 3D Plus brochure, the applicant will receive a confirmation that they have been accepted. First, they will receive a soft copy. Then, a hard copy will follow.
Documents required for C2P 3D Plus Plan
Once a person is making the application for any of the plans given in the C2P 3D Plus brochure, they must keep the following documents at hand.
- PAN Card and Aadhar Card for Identity Proofs.
- Driving License, Gas Bills, Electricity Bills, Telephone Bills, etc., for Address Proofs.
- Passport Copy for Age Proofs.
- Passport Size Photographs
- Income Tax Returns for Income Proof
Other Features
As mentioned before in this C2P 3D Plus brochure, there are nine plan options. Details of benefits under each are below:
-
Life Option
- Death Benefit
- Acceleration of Death Benefit on Terminal Illness
- Waiver of Premiums on Accidental Total Permanent Disability
-
3D Life Option
- Death Benefit
- Acceleration of Death Benefit on Terminal Illness
- Waiver of Premiums on Accidental Total Permanent Disability
- Waiver of Premiums on Critical Illness
-
Extra Life Option
- Death Benefit
- Acceleration of Death Benefit on Terminal Illness
- Waiver of Premiums on Accidental Total Permanent Disability
- Extra Life Sum Assured on Accidental Death
-
Income Option
- Death Benefit
- Acceleration of Death Benefit on Terminal Illness
- Waiver of Premiums on Accidental Total Permanent Disability
-
Extra Life Income Option
- Death Benefit
- Acceleration of Death Benefit on Terminal Illness
- Waiver of Premiums on Accidental Total Permanent Disability
- Extra Life Sum Assured on Accidental Death
-
Income Replacement Option
- Death Benefit
- Acceleration of Death Benefit on Terminal Illness
- Waiver of Premiums on Accidental Total Permanent Disability
-
Return of Premium Option
- Death Benefit
- Acceleration of Death Benefit on Terminal Illness
- Waiver of Premiums on Accidental Total Permanent Disability
- Return of Premium on Maturity
-
Life-Long Protection Option
- Death Benefit
- Acceleration of Death Benefit on Terminal Illness
- Waiver of Premiums on Accidental Total Permanent Disability
-
3D Life Long Protection Option
- Death Benefit
- Acceleration of Death Benefit on Terminal Illness
- Waiver of Premiums on Accidental Total Permanent Disability
- Waiver of Premiums on Critical Illness
Terms and Conditions
The basic terms and conditions that form part of this C2P 3D Plus Brochure are as follows:
- Tax Benefits
- Cancellation is a free-look period
- Revival
- Nomination
- Assignment
- Alterations
- Policy Loan
- Prohibition of Rebates
- Non-Disclosure
- Indirect and Direct Taxes
Key Exclusions of C2P 3D Plus Plan
Within this C2P 3D Plus brochure, there are the following exclusions:
-
Suicide Clause
Exclusions for Extra Life and Extra Life Income Options
- Death after 180 days of the accident
- Self-harm or attempted suicide
- Alcohol, solvent, and drug abuse
- War, invasion, hostilities, civil war, rebellion, revolution, riot, or civil commotion
- Flying activity
- Act of a criminal nature with criminal intent
- Hazardous hobby or pursuit
Exclusions for 3D Life and 3D Life Long Protection Options
- Death within 30 days of diagnosis of critical illness
- Any sickness manifesting in 90 days of commencement
- Self-harm or attempted suicide
- Alcohol, solvent, and drug abuse
- Act of a criminal nature with criminal intent
- HIV or AIDS
- Failure to seek or follow medical advice
- Radioactive contamination because of a nuclear accident
Note: Check out the best term insurance plan in India and choose one that suits your requirements.
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