HDFC Click 2 Protect Supreme Term Plan: Features & Benefits | PolicyX
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HDFC Click 2 Protect Supreme

HDFC Life Click 2 Protect Supreme is designed to offer comprehensive f ...Read More

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📊 1.94 solvency ratio
✅ 99.68%% claim settlement ratio
🌐 450++ pan-India

About HDFC Click 2 Protect Supreme

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 Supreme is a pure term insurance plan that provides financial safety to your loved ones in case something unfortunate happens to you during the policy term. This term plan adapts to your evolving lifestyle and life stage needs, ensuring that you and your loved ones remain truly protected.

This plan offers policyholders to choose from 3 plan options: Life, Life Plus, and Life Goal. You also have the option to increase your sum assured up to 200% of the base sum assured.

HDFC Life Click 2 Protect Supreme plan offers a range of benefits including:

  • 3 Plan Options to Choose From
  • Death Benefit
  • Choice of Payout
  • Tax Benefits
  • Riders for Enhanced Protection

Eligibility Criteria for HDFC Click 2 Protect Supreme

Entry age
Entry age
Minimum Age - 18 years Maximum Age - 84 years
Maturity age
Maturity age
Maximum Maturity Age - 85 years
Policy term
Policy term
1 month to 85 years minus entry age
Sum assured
Sum assured
Base sum assured: Rs 10,000 to No Limit
Policy loan
Policy loan
No Policy Loans are available under this plan.
Payment Modes
Payment Modes
12 months for suicide exclusion.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Death Benefit
  • Choice of Plan Options
  • Tax Benefits

Cons

  • 1-year waiting period for suicide
  • No policy loan
  • No cover for undeclared pre-existing illnesses

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

Entry age - 18 years
Max entry age - 84 years
Min sum assured - Rs 50000
Max maturity age - 85 Years

Waiting Periods in HDFC Life Click 2 Protect Supreme Plan

The HDFC Life Click 2 Protect Supreme Plan includes a waiting period for certain events. The primary waiting period is for suicide:

  • Suicide Exclusion: If the policyholder commits suicide within 12 months from the date of policy inception or revival, the policy will not cover the death benefit. In such cases, the nominee will receive 80% of the premiums paid till the date of death, provided the policy is in force.

How to Calculate Premiums for HDFC Life Click 2 Protect Supreme Plan

The premium for your HDFC Life Click 2 Protect Supreme Plan is determined by several factors, ensuring a personalized quote based on your individual profile and coverage needs. Key factors influencing your premium include:

  • Age: Younger individuals generally pay lower premiums.
  • Gender: Premiums may vary based on gender.
  • Smoking Status: Non-smokers typically receive lower premium rates.
  • Sum Assured: A higher sum assured will result in a higher premium.
  • Policy Term: Longer policy terms can influence premium rates.
  • Plan Option: The specific plan option chosen (Life, Life Plus, Life Goal) affects the premium.
  • Riders: Adding optional riders for enhanced protection will increase the premium.

To get an accurate premium quote tailored to your specific requirements, it is recommended to use the online premium calculator on PolicyX.com or contact our insurance experts.

Features of HDFC Click 2 Protect Supreme

Key features that make HDFC Click 2 Protect Supreme stand out.

Policy Management Features of HDFC Life Click 2 Protect Supreme Plan

Cancellation in Free-Look Period

You can cancel your policy within a free-look period of 30 days from the date of receipt of the policy document. HDFC Life will issue a refund after deducting applicable charges if you wish to cancel your plan.

Policy Revival

This plan offers you the option to revive your lapsed policy within the revival period mentioned in the policy documents. This is done by paying outstanding premiums and interest charges. The current revival period as per norms is 5 years, and interest charges are applicable at 9.5% per annum.

Grace Period

This plan offers a grace period in case of non-payment of premiums. A grace period of 30 days is offered if premiums are paid quarterly, half-yearly, or yearly. A 15-day grace period is applicable for monthly premium payments.

Surrender Value

You can get a surrender value if you wish to cancel your policy within the policy tenure. Surrender value is only provided if you have paid a minimum of 2 years' premiums. In other circumstances, the policy will be canceled without any surrender value.

Benefits of HDFC Click 2 Protect Supreme

Here are the key benefits of the HDFC Click 2 Protect Supreme.

Documents Required for HDFC Life Click 2 Protect Supreme Plan

To purchase the HDFC Life Click 2 Protect Supreme Plan, you will typically need the following documents:Identity Proof: Aadhaar Card, PAN Card, Passport, Voter ID, Driving License.Address Proof: Aadhaar Card, Passport, Voter ID, Driving License, Utility Bills (electricity, telephone).Age Proof: Birth Certificate, School/College Leaving Certificate, Passport, Aadhaar Card.Income Proof: Salary slips (last 3 months), Bank statements (last 6 months), Income Tax Returns (last 2-3 years).Photograph: Recent passport-sized photograph.

Exclusions of HDFC Life Click 2 Protect Supreme Plan

Here is the list of exclusions associated with the plan:

  • Suicide during the first 12 months of policy inception will not be covered.
  • Death due to a pandemic is not covered under this plan.
  • Injuries or illnesses caused due to any type of adventure sports.
  • Consumption of drugs or alcohol, except for clinical purposes.
  • Any pre-existing disease not declared at the start of the policy.

Explore HDFC Term Insurance

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FAQs: HDFC Click 2 Protect Supreme Plan

The 5 most-asked questions about HDFC Click 2 Protect Supreme, answered.

HDFC Life Click 2 Supreme is a term insurance plan that provides financial safety to your loved ones in case of your uncertain death.
You can buy HDFC Life Click 2 Protect Super Plan either from HDFC’s website or PolicyX.com.
Yes, buying a HDFC Life Click 2 Protect Supreme is totally worth it.
Anyone between age of 18 and 65 years can buy a HDFC Life Click 2 Protect Supreme plan.
You can choose a sum assured between Rs 50,000 to no upper limit with Click 2 Protect Supreme.

Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 19 Aug 2025 · Originally published: 19 Aug 2025

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