Eligibility Criteria of HDFC Life Click 2 Protect

Click 2 Protect is a flexible term insurance plan designed to provide financial security to individuals across different income groups and life stages. It offers long-term protection with customizable coverage options, making it suitable for young professionals as well as experienced earners. With easy eligibility norms and online purchase convenience, Click 2 Protect focuses on building strong financial protection at affordable premiums:

1. Entry Age Criteria – Individuals aged 18 years to 65 years are eligible to purchase Click 2 Protect, allowing both young earners and experienced professionals to secure coverage.
2. Policy Maturity Age – The policy provides coverage up to the age of 85 years, ensuring long-term financial protection for your family.
3. Policy Term Options – Click 2 Protect offers flexible policy terms ranging from 10 to 40 years, enabling you to align coverage with your financial responsibilities.
4. Premium Payment Options – You can choose between regular pay, limited pay, or single pay options based on your financial planning needs.
5. Sum Assured Eligibility – The minimum sum assured is decided as per insurer guidelines and underwriting norms.
6. Residency Eligibility – The plan is available to Indian residents as well as NRIs, subject to policy terms and conditions.
7. Medical Underwriting – Policy issuance depends on age, lifestyle habits, occupation, and overall health condition. Buying Click 2 Protect early helps secure lower premiums and ensures long-term financial stability for your family.

Unique Features of Click 2 Protect

Click 2 Protect comes with powerful features designed to offer flexible and long-term financial protection. The plan allows individuals to customize their coverage based on life goals, financial responsibilities, and future needs, making it one of the most preferred online term insurance plans in India:

1. Multiple Payout Options – Policyholders can choose between lump sum payout, monthly income, or a combination of both to suit their family’s financial needs.
2. Return of Premium Option – Selected variants offer a return of total premiums paid at policy maturity if no claim is made during the policy term.
3. Terminal Illness Benefit – In case of diagnosis of a terminal illness, an accelerated payout is provided to support treatment and personal expenses.
4. Life Stage Benefit – The sum assured can be increased at key milestones such as marriage, childbirth, or home loan purchase, without fresh medical tests.
5. Optional Riders – Additional protection can be added through riders such as accidental death benefit, disability cover, and critical illness rider.
6. Affordable Premiums – The plan offers high coverage amounts at cost-effective premiums, making it accessible across income groups.
7. Long Policy Tenure – Coverage can extend into senior years, ensuring long-term financial protection for dependents.
8. Flexible Premium Payment Options – Policyholders can choose premium payment frequencies that suit their cash flow.
9. Lifestyle Discounts – Premium discounts are available for non-smokers and individuals with healthy lifestyle habits

Benefits of HDFC Life Click 2 Protect

Click 2 Protect provides strong financial protection benefits designed to secure your family’s future and maintain financial stability during uncertain times:

1. High Life Cover at Affordable Premiums – Offers substantial coverage at cost-effective premiums, making long-term protection accessible
2. Financial Security for Dependents – Ensures your family’s financial needs are met in case of the policyholder’s death
3. Flexible Payout Options – Allows you to choose lump sum, monthly income, or combination payouts based on household requirements
4. Loan and Liability Protection – Lump sum payouts can be used to clear home loans, personal loans, and other financial obligations
5. Monthly Income Support – Provides steady income to dependents for long-term financial stability
6. Terminal Illness Benefit – Offers early financial support upon diagnosis of a terminal illness
7. Tax Benefits – Premiums qualify for deduction under Section 80C and death benefits are tax-free under Section 10(10D), as per prevailing tax laws

Exclusions

To ensure transparency and clarity in coverage, Click 2 Protect includes certain exclusions under which claims may not be payable. These include death due to suicide within the first 12 months from policy commencement or revival, death arising from fraudulent disclosures or misrepresentation of material facts, self-inflicted injuries, participation in illegal or criminal activities, and death caused due to alcohol or drug abuse. Additionally, claims arising from war, terrorism, or civil unrest, as defined in the policy terms, may also be excluded. It is always advisable to carefully review the official policy document to understand the complete list of exclusions and conditions before purchasing the policy.

Waiting Period of HDFC Life Click 2 Protect

Waiting periods play an important role in maintaining the integrity and sustainability of insurance policies. They help insurers manage risk while ensuring that policyholders receive fair and transparent coverage. Click 2 Protect includes specific waiting periods to ensure proper underwriting and long-term policy stability:

1. Suicide Exclusion Period – Death due to suicide is not covered within the first 12 months from policy commencement or revival.
2. Revival Waiting Period – Certain benefits may become applicable only after the policy is revived, as per insurer guidelines.
3. Rider-Specific Waiting Periods – Additional riders may have their own waiting periods based on rider terms and conditions. After the completion of applicable waiting periods, full policy benefits become payable as per policy coverage.

Claim Process of HDFC Life Click 2 Protect

Click 2 Protect follows a structured and customer-friendly claim settlement process to ensure that beneficiaries receive financial support without unnecessary delays during difficult times. The insurer provides dedicated assistance and digital tracking facilities to make the entire process smooth, transparent, and stress free.

1. Claim Intimation – The nominee must inform the insurer about the claim through customer care, the official website, or a branch office.
2. Document Submission – Required documents such as the policy bond, death certificate, nominee identity proof, and bank details must be submitted.
3. Claim Verification – The insurer reviews the documents and may request additional information if required.
4. Claim Approval – Once verification is complete, the claim is approved.
5. Payout Settlement – The approved claim amount is released to the nominee within regulatory timelines. Dedicated claim support teams and online tracking systems help ensure transparency and quick claim resolution.