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HDFC Term Insurance
HDFC Life Click 2 Protect Supreme Plus is a pure term insurance plan d ...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 Supreme Plus is a pure term insurance plan designed for long-term family protection, with flexible features. It provides multiple plan options, high life cover, and payout choices to match changing needs. You can choose return of premium, increase coverage at life stages, and add riders for spouse, accidents, or child protection. The policy includes a premium waiver on disability or critical illness, terminal illness cover, and fast claim payouts. HDFC Life has a strong claim record; its individual death claim settlement ratio was 99.68% for FY 2024-25, with ₹2,060 crore paid to beneficiaries.
HDFC Click to Protect Supreme Plus plan offers various benefits, including:
A quick honest summary — the strengths and the trade-offs.
Eligibility criteria pulled straight from the policy wording.
Let's understand how the HDFC Life Click 2 Protect Supreme Plus works with a simple premium illustration.
Mr. Verma wants a pure protection policy with high life cover. He wants flexible payout options and the ability to adjust cover as his responsibilities increase.
Mr. Verma chose HDFC Life Click 2 Protect Supreme Plus for its reliable protection and flexible plan options. At policy inception, he selected the Life Plus option for added accidental death coverage. He chose limited pay. The policy enables nominee payouts as a lump sum or installments and lets him increase cover at major life stages.
Let us see a brief illustration of the Click 2 Protect Supreme Plus plan.
| Age | Policy Tenure | Premium Payment Term | Sum Assured | Premium (Monthly) | Annual premium |
| 30 years | 35 years | 10 years | Rs 1 crore | Rs. 1,217 | Rs. 25,000 |
Key Takeaways: In case of Mr. Verma's demise during the policy tenure, Rs 1 crore will be paid to their nominee.
You can add the following riders to your HDFC Life Click 2 Protect Supreme Plus Plan:
This rider pays 1 percent of the rider's sum assured every month for 10 years. This benefit is payable on accidental total and permanent disability.
It offers multiple protection options under one rider. You can get a lump sum payout on death, terminal illness, accidental death, or hospitalization. You receive proportionate payout on an accident related to disability or listed surgeries.
This rider covers up to 60 critical illnesses. You will get a full lump sum on a major critical illness. It pays a proportionate benefit for early-stage or major cancer, based on the option chosen. Also, it helps manage treatment and recovery costs.
Key features that make HDFC Click to Protect Supreme Plus stand out.
Three customizable plan options
Policyholders can choose from three different options: Life, Life Plus (includes accidental death cover), and Life Goal (where the Sum Assured differentiates by policy year based on the selected reduction rate).
Increasing life cover
Under the Life option, you can choose to have your death benefit increase by 10% after every 5 years (variant B) or 5% yearly (variant C), capped at 200% of the original sum assured.
Terminal illness acceleration
The policy allows for the acceleration of the death benefit to a maximum of ₹2 crore if the insured is diagnosed with a specified terminal illness before age 80.
Death benefit as installments
The nominee can choose to receive the death benefit in advance installments over 5 to 15 years.
Here are the key benefits of the HDFC Click to Protect Supreme Plus.
Wellness benefits
In-built health and wellness services are accessible via the Life Rewards app. Services facilitate diagnosis, prevention, treatment, and recovery. Advantages may cover health checkups, doctor consultations, and lifestyle support.
Waiver of premium
This plan has a premium waiver on critical illness, total and permanent disability. For female lives, there is a premium waiver on the husband's accidental death.
Additional protection
An accidental death benefit is added under the Life Plus option. You will also get child education income and spouse cover options. There is a premium break for up to 12 months after five policy years.
Death & survival benefits
Death benefit is paid as a lump sum or in installments over 5 to 15 years. Return of premium pays back 100 percent of premiums on survival till maturity. Terminal illness cover pays up to ₹2 crore before age 80.
HDFC Click to Protect Supreme Plus is a comprehensive and flexible life insurance solution. It provi
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The 5 most-asked questions about HDFC Click to Protect Supreme Plus, answered.
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