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HDFC Life - Click 2 Protect Plus -Extra Life Option

About The Plan

HDFC Life Click 2 Protect Plus is a term insurance plan in India which provides you comprehensive protection at an affordable price and helps you to protect yourself and your loved ones against the uncertainties that life may throw at you. This term life insurance policy provides wide range of cover options and you can choose the cover depending on your need. You can even secure your family’s day to day requirements when you are not around by way of monthly income under Income & Income Plus Option.

Its Extra Life Option plan pays an additional lump sum on death due to accident.

Key Features

Death Benefit -100% of the Sum Assured paid upon death and an additional monthly income of  0.5% of SA for the next 10 years.

Maturity Benefit - Nil.

Tax Benefit on Premiums-Yes, under Section 80C & 10(10D) of the Income Tax Act, 1961.

Tax Benefit on Death Benefit-Yes, under Section 10(10D) of the Income Tax Act, 1961.

Loan Facility-No.

Surrender Benefit -Single Premium: 70% * Single Premium * (Unexpired Coverage Term/Original Coverage Term). 

Other Mode of Payment: Nil.

Grace Period-30 days.

Free Look Period-15 days of receipt of the Policy Bond.

Payment Modes- Single, Quarterly, Semi-annual, Annual.

Eligibility Criteria

  • Minimum sum assured is 25 lakhs & maximum sum assured is No Limit (subject to underwriting)
  • Minimum entry age is 18 years & maximum entry age is 65 years
  • Minimum policy term is 10 years & maximum policy term is 40 years
  • Premium payment mode is Single, Monthly, Quarterly, Half-yearly, Yearly
  • Maturity benefits are Nil
  • Grace period is 30 days
  • Yes, under Section 80C & 10(10D) of the Income Tax Act, 1961