HDFC Life Click 2 Protect Super

Key features

• ✓Three plan options: Life, Life Plus, Life Goal
• ✓Life: pure death benefit with built-in terminal illness benefit
• ✓Life Plus: adds Accidental Death Benefit on top of base cover
• ✓Life Goal: decreasing cover aligned with loan amortisation or chosen level period
• ✓Option to choose increasing Death Benefit up to 200% under Life option
• ✓Terminal Illness Benefit accelerated until age 80 (up to ₹2 Cr)
• ✓Waiver of Premium on Critical Illness or Total & Permanent Disability
• ✓Return of Premium option available on survival to maturity
• ✓Spouse Cover Option in same policy
• ✓Premium payment: Single, Limited, Regular Pay; yearly/half-yearly/quarterly/monthly
• ✓Switch from Regular to Limited Pay during policy
• ✓Digital first-year discount; HDFC customer/employee discount from year 2

What’s included

• ✓Death due to natural causes
• ✓Death due to illness (after waiting period)
• ✓Death due to accident
• ✓Terminal illness (accelerated benefit before age 80)
• ✓Accidental death (Life Plus option / via ADB rider)
• ✓Critical illness (via rider — 60 conditions)
• ✓Premium waiver on TPD or CI (via rider)

What’s excluded

• ✕Suicide within 12 months of policy commencement (80% of premiums paid returned)
• ✕Death from intoxicant/drug/alcohol consumption
• ✕Death from aviation accidents (other than as fare-paying passenger on commercial flight)
• ✕Death from hazardous/adventure sports activities
• ✕Death from undisclosed pre-existing conditions
• ✕Death from participation in criminal acts or war/civil commotion

Eligibility

Min age

18 years

Max age

85 years

Max entry age

65 years

Covers

Self

Policy term

5–85 years (term subject to maturity age 85)

Life cover

₹50 Lakh – No upper limit (subject to underwriting)