HDFC Life Click 2 Protect Life

Key features

• ✓Three plan options: Life Protect, Life & CI Rebalance, Income Plus
• ✓Life Protect option: lump-sum death benefit
• ✓Life & CI Rebalance: 80/20 Life:CI split that rebalances annually with future premiums waived on CI diagnosis
• ✓Income Plus: 0.1% of Basic Sum Assured monthly income from age 60 till death/maturity
• ✓Single, Regular, and Limited Pay options (5/8/10/12 years)
• ✓Premium frequency change without charge
• ✓Convert Regular to Limited Pay at any policy anniversary
• ✓Digital/online issuance available
• ✓Tax benefits under Section 80C and 10(10D)

What’s included

• ✓Death due to natural causes
• ✓Death due to illness (after waiting period)
• ✓Death due to accident
• ✓Critical Illness (under Life & CI Rebalance and CI riders)
• ✓Survival income from age 60 (Income Plus option only)
• ✓Optional Accidental Death Benefit via rider

What’s excluded

• ✕Suicide within 12 months of policy inception/revival (80% of premiums paid refunded)
• ✕Death from intoxicant/drug/alcohol abuse
• ✕Death from undisclosed pre-existing conditions
• ✕Death from participation in criminal activities
• ✕Death from war, civil commotion, or aviation (other than as fare-paying passenger)
• ✕Death from hazardous/adventure sports (unless disclosed)

Eligibility

Min age

18 years

Max age

65 years

Max entry age

65 years

Covers

Self

Policy term

5–40 years (Income Plus min entry age 30)

Life cover

₹25 Lakh – ₹2 Crore