Everything to know about HDFC Click 2 Protect 3D Plus

Are you looking for an affordable term insurance plan that can be purchased quickly? Check out the features and benefits of the HDFC Life Click 2 Protect 3D Plus plan that offers comprehensive security for your family.

What is it?

The HDFC Life Click 2 Protect 3D Plus is a simple term plan. It can be purchased online and has the most affordable premiums. The 3D in the policy name denotes – Death, Disability, and Disease. With a claim settlement ratio of 99.03%, this is one of the most popular term plans available on the market today.

Key Features of the HDFC Life Click 2 Protect 3D plus Term Plan

  • You get 360-degree financial protection for you and your family with affordable premiums
  • It is an online term plan, meaning you can purchase the policy online with just a few clicks
  • You can choose from 9 different plan options based on your coverage requirements
  • The plan has a future premiums waiver facility if the insured meets with an accidental total permanent disability or is diagnosed with a critical illness
  • Flexible premium payments
  • Increase the cover available at critical milestones of life without having to undergo extensive medical tests
  • Increase the protection annually, with a top-up option
  • Discounts on premium for women and non-tobacco users
  • Enjoy various tax benefits as per prevailing taxation laws

Plan Options

The HDFC Life Click 2 Protect 3D Plus policy offers nine different plan options like:

  1. Life option – Here, the nominee gets a lump sum (the sum assured) on the death or diagnosis of a terminal illness of the policyholder.
  2. 3D Life option – Apart from the benefits offered in the previous option, this also waives off future premiums if the policyholder is diagnosed with a critical illness.
  3. Extra Life option – Apart from the benefits in the Life Option, this option also provides the nominee with an additional sum in case of accidental death of the policyholder.
  4. Income option – This option provides the nominee with a regular income apart from the lump-sum death benefit.
  5. Extra Life Income option – Apart from providing regular income on the death of the policyholder, this plan also provides the nominee with an additional sum if the insured passes away due to an accident.
  6. Income Replacement option – This option ensures that your nominee continues to receive a steady stream of income, even after your death.
  7. Return of Premium option – In this option, the policyholder receives all the premiums paid on survival. If the insured dies or is diagnosed with a terminal illness during the policy period, the insurance company pays you a lump sum benefit.
  8. Lifelong Protection option – This option offers life cover for the whole life of the insured.
  9. 3D Lifelong Protection Option – Apart from the benefits offered under Lifelong Protection, this option also waives off future premiums in case of diagnosis of critical illness of the policyholder.

Eligibility Criteria

Criteria All Options except Lifelong Protection and 3D Lifelong Protection Lifelong Protection and 3D Lifelong Protection
Minimum Age 18 years 25 years
Maximum Age                                      65 years
Minimum Policy Term 5 years Whole Life
Maximum Policy Term 40 years
Premium Payment Modes Single pay, regular pay, limited pay Limited pay
Minimum basic sum assured                                    Rs. 10 lakhs

Why Choose this Plan?

The HDFC Life Click 2 Protect 3D Plus policy is a versatile term plan that offers the best benefits at affordable premiums. Additionally, it’s highly flexible and offers a wide range of options that makes it a great fit for people at various stages of life.

 You can purchase the plan online with just a few clicks. Refer to the online policy document or get in touch with an HDFC insurance advisor to know more about the plan and choose the right options that fit your specific requirements.

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