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HDFC Term Insurance
HDFC Life Click 2 Protect 3D Plus is a comprehensive term insurance pl ...Read More
A quick read on what this HDFC Term Insurance term plan covers and why it might be a fit for you.
HDFC Life Click 2 Protect 3D Plus by HDFC Life Insurance offers 3-in-1 protection—death, disability, and critical illness—at affordable premiums. As the name suggests, this term insurance plan offers protection against the 3Ds of insurance: Death, Disability, and Disease. It provides financial protection to the insured person's family at affordable rates and pays for claims made on account of death, permanent disability, and diseases. Overall, HDFC Life Click 2 Protect 3D Plus ensures your family can fulfill their dreams and remain financially independent, even in your absence. The HDFC Life Click 2 Protect 3D Plus review reflects its versatility and value for money.
Some of the major HDFC Life Click 2 Protect 3D Plus benefits include:
A quick honest summary — the strengths and the trade-offs.
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
To know about HDFC Life click 2 protect 3d plus plan review in detail. Here we have discussed different plans which come under this term insurance policy.
Eligibility criteria pulled straight from the policy wording.
Let's understand how the HDFC Life Click 2 Protect 3D Plus Plan works with a simple premium illustration.
Mr. Aggarwal, a 25-year-old non-smoker, is looking for a term plan that offers lump sum benefits on death or protection against total and permanent disability.
His financial advisor advised him to buy the HDFC Life Click 2 Protect 3D Plus Plan. He visited PolicyX.com.
Let's understand how the Click 2 Protect 3D Plus Plan works for him with a premium illustration:
| Age of policyholder | Monthly Premiums | Annual Premiums | Policy Tenure | Total premiums paid | Sum assured |
| 35 years | ₹1181/month | ₹14,172/year | 35 years | ₹4,96,020 | ₹1 Crore |
Key Takeaways: If Mr. Aggarwal dies during the policy tenure, his family will receive a lump sum death benefit. If he meets with an accident and becomes totally and permanently disabled, his future premiums will be waived, and the policy will continue.
You can add the following riders to your HDFC Life 3D Plus Plan:
It covers critical illnesses and provides extra financial protection upon diagnosis of critical illnesses.
A lump sum amount, comprising basic and extra sum insured, is paid for death due to accidents, against an additional premium for the extra sum insured selected. This rider is available only with the Extra Life and Extra Life Income options.
By choosing this option, you can increase the policy cover on every anniversary date of the policy. The increase can be systematic or fixed, as determined at the time of policy purchase.
Key features that make HDFC Life Click 2 Protect 3D Plus stand out.
Plan Options
There are nine options available under the HDFC Life Click 2 Protect 3D Plus plan, allowing customers to customise their plan at their convenience.
Premium Payment Flexibility
This feature offers policyholders the flexibility to select policy and premium payment terms at their convenience.
Life Stage Protection
It allows the policyholder to increase insurance cover at certain key life milestones without requiring any medicals.
Discounts on Premium
The plan offers special discounts and rebates on premium rates for female policyholders and non-tobacco users.
Here are the key benefits of the HDFC Life Click 2 Protect 3D Plus.
HDFC Life Click 2 Protect 3D Plus allows you to choose from 9 plan options:
| Plan Options | Benefits |
| Life Option | Under this option, your nominee receives a lump sum benefit upon the death or diagnosis of a terminal illness. |
| 3D Life Option | In addition to the benefits of the Life Option, future premiums are waived upon diagnosis of a critical illness. |
| Extra Life Option | In addition to the benefits of the Life Option, an additional sum assured is paid upon death due to an accident. |
| Income Option | This plan option provides your nominee with a lump sum benefit and a regular income stream in your absence. |
| Extra Life Income Option | In addition to the benefits of the Income Option, an additional lump sum and income benefit is paid upon death due to an accident. |
| Income Replacement Option | This plan option ensures your nominee continues to receive an income stream even in your absence. |
| Return of Premium Option | Under this plan option, all premiums are returned if you survive until the end of the policy term. |
| 3D Lifelong Protection Option | In addition to the benefits of the Lifelong Protection Option, future premiums are waived upon diagnosis of a critical illness. |
| Life Long Protection Option | Your nominee receives a lump sum benefit upon death or diagnosis of a terminal illness. |
Accidental Total Permanent Disability
If the policyholder confronts permanent disability (due to accidents) that cannot be rectified by any treatments, they will receive a reduction in future premium rates, lessening the financial load.
Death Benefit
With this benefit, if the policyholder dies, the entire sum insured amount is paid off to his/her nominee in addition to any optional benefits opted by the policyholder. Note that the death benefit for single pay, regular, and limited pay is different.
Tax Benefit
The premium paid under the HDFC Life term plan is eligible for tax benefits under Section 80C of the Income Tax Act, and the benefits availed are tax-exempt.
Life Stage Benefit
Life Stage Benefit provides you the choice to increase the sum insured on the occasion of marriage and childbirth at any point during the term of the policy.
Terminal Illness Benefit
Under this benefit, the beneficiary of the insured person is provided with the coverage amount if the policyholder is diagnosed with any disease that leads to his/her ultimate death.
Here is the list of exclusions associated with the plan:
HDFC Life Click 2 Protect 3D Plus is a top term insurance plan that provides complete protection up to 99 years of age. It protects against death, disability, and disease, offering additional benefits such as life stage protection, a top-up option, and a premium waiver benefit. For doubts or queries regarding the Click 2 Protect 3D Plus plan, contact us through PolicyX.com or call 1800-4200-269.
HDFC Life Click 2 Protect 3D Plus is a top term insurance plan that provides complete protection.
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