HDFC Life Click 2 Protect 3D Plus Term Plan

HDFC Life Click 2 Protect 3D Plus Term Plan

Click 2 Protect 3D Plus is another non-linked, non-participating term plan from HDFC Life Insurance. The plan provides comprehensive 3D coverage wherein 3D stands for Death, Disability, and Disease. The benefits and features of this term plan are carefully planned to fulfill the changing requirements of an individual’s lifestyle. 

HDFC Life Click 2 Protect 3D Plus Term Plan Features

  • The plan financially covers you and your family at an affordable cost. 
  • It offers 9 plan options which you need to choose at the beginning of the policy – Life Option, 3D Life Option, Extra Life Option, Income Option, Extra Life Income Option, Income Replacement Option, Return of Premium Option, Life Long Protection Option and 3D Life Long Protection Option.
  • All future premiums are waived off under all options in case of Accidental Total Permanent Disability and on Critical Illness diagnosis under 3D Life and 3D Life Long Protection options.
  • Get whole life cover with Life Long Protection & 3D Life Long Protection options.
  • The minimum entry age is 18 years, and the maximum is 65 years.
  • The maximum policy term is 40 years for the Replacement Option and Return of the Premium Option.
  • The minimum sum assured is Rs 10 lakhs.
  • Flexible options are available to opt for your policy and different premium payment terms.
  • It also has the flexible option to increase the insurance cover through a top-up option.
  • It offers attractive premium rates for females and non-tobacco users.
  • Tax benefits are available according to the prevailing tax laws.

Details of the 9 different cover options under HDFC Life Click 2 Protect 3D Plus Term Plan

Plan Cover Options  Cover Details
Life Option  The policy nominee gets a lump sum benefit on death or diagnosis of Terminal Illness. The future premiums get waived off upon Accidental Total Permanent Disability (ATPD).
3D Life Option In addition to the Life Option benefits, it offers an additional benefit of waiver of future premiums on the diagnosis of Critical Illness.
Extra Life Option Along with the benefits under Life Option, this offers an additional sum assured upon death due to an Accident.
Income Option This option is ideal to provide the policy nominee with the benefit of Lump Sum amount and a regular income after the policyholder’s demise.
Extra Life Income Option In addition to the benefits under the Income Option, this option pays an additional Lump Sum and Income benefit upon death due to an accident.
Income Replacement Option It offers a regular source of income for the policy nominee in the absence of the policyholder.
Return of Premium Option As the name suggests, this option returns all the premiums paid if the insured survives the policy term. Also, upon the death/ diagnosis of Terminal Illness during the Policy Term a Lump Sum benefit is paid to the policy nominee.
Life-Long Protection Option It gives protection for the entire life along with a lump sum benefit to the nominee on death or diagnosis of Terminal Illness. The future premiums get waived off upon total permanent disability due to an accident.
3D Life Long Protection Option In addition to the Life Long Protection Option benefits, this option waives off future premiums upon diagnosis of Critical Illness.

Why should you choose the HDFC Life Click 2 Protect 3D Plus term plan?

  • To provide complete financial security to your family based on your different requirements of life.
  • To equip your loved ones with the regular flow of income even in your absence.
  • To avail maturity benefit in the form of the return of premiums if you survive the policy term.
  • To protect them against the expenses of sudden uncertainties like critical illness, terminal illness, or death/ disability due to accidents.

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