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Launch Date UIN Status
3/8/2018 101N115V03 Active

About HDFC Life Click 2 Protect 3D Plus

  • HDFC Life Click2Protect 3D Plus is a pure term plan that provides monetary protection against 3Ds(death, disease and disability) at an affordable cost
  • Available online only
  • Offers 9 plan options to choose from as per one’s requirements
  • In-built rider to waiver off all future premiums on Accidental total permanent disability is available under all options and on diagnosis of critical illness(for 3D Life and 3D Life Long Protection options)
  • Depending on the key milestones progressions in life, an option to increase the insurance cover is available
  • Convenient policy (5 to 38 years) and premium payment terms

How does this Plan work?

Under this HDFC Life Click2Protect 3D Plus plan, an individual chooses policy term, premium payment mode and a plan from the 9 available options along-with the sum assured. The table given highlights key features of the 9 plans:

Benefits

 Plans

Life 3D Life Extra Life Income Extra Life Income Income Replacement  Return of Premium Lifelong Protection 3D Lifelong Protection
Casual Death Benefit Yes Yes Yes Yes Yes Yes Yes Yes till the person lives Yes till the person lives
Terminal Illness Benefit Yes Yes Yes Yes Yes Yes Yes Yes Yes
Premium Waiver on Permanent Accidental Disability Yes Yes Yes Yes Yes Yes Yes Yes Yes
Premium Waiver on Diagnosis of Critical Illness -- Yes -- -- -- -- -- -- Yes
Benefits Due to Accidental Death -- -- Yes -- Yes -- -- -- --
12 Monthly Installments are paid annually for a specific term -- -- -- Yes with a yearly increment of 10% SA Yes Yes with a yearly increment of 10% SA -- -- --
On Maturity the premium is return -- -- -- -- -- -- Yes -- --

In this plan the lump sum paid to the nominee on death of the insured is inclusive of the sum assured on death and additional benefits.  Depending on the mode of premium paid, the sum assured on death is paid.

Single Premium Payment Regular & Limited Premium Payment
The Sum Assured on Death is higher value from: The Sum Assured on Death is higher value from:
  • 125% of Single Premium
  • 10 times of the annual premium
  • Guaranteed Sum Assured on Maturity
  • 105% of total Premiums paid
  • Absolute amount assured
  • Guaranteed Sum assured on Maturity

 

  • Absolute amount assured

There’s also an additional feature of increasing the basic sum assured as per progression of life stages:

  • Marriage: 50% of Sum assured upto a maximum limit of  Rs. 50 lakhs
  • Birth of first child: 25% of the assured is paid upto a maximum limit of Rs. 25 lakhs
  • Birth of second child: 25% of the assured is paid upto a maximum limit of Rs. 25 lakhs

Along with the above benefits, one can even select a top-up option for all plans. With this option the individual gets a systematic increase on basic cover from 1st policy year onwards. This has to be chosen during buying the policy and is subject to BAUP (Board approved underwriting principle).

Let us look at illustrations below for each plan:

Person’s age: 37 years
Policy term: 25 years (not applicable for Lifelong Protection and 3D Life Long Protection)
Sum assured: Rs. 1 crore.

  • Life Option: Under this option the person pays regular premium for 25 years and gets a basic life cover. Suppose the person meets with an accident and becomes permanently disabled during the policy term then the future premiums are waived off. If in-case on diagnosis of terminal illness or, death of the insured during the policy term, then the nominee receives Rs 1 crore.
  • 3D Life Option: Under this option the person pays regular premium for 25 years and gets life cover and critical illness cover. Suppose the person meets with an accident and becomes permanently disabled or is diagnosed with one of the 34 critical illnesses during the policy term then the future premiums are waived off. If in-case on diagnosis of terminal illness or, death of the insured during the policy term then the nominee receives Rs 1 crore.
  • Extra Life Option: Under this option the person pays regular premium for 10 years get a life cover on casual or accidental death. Suppose the person becomes permanently disabled accidentally during the policy term then the future premiums are waived off. If in-case on diagnosis of terminal illness or casual death of the insured during the policy term, then the nominee receives Rs 1 crore but if the insured dies due to an accident the nominee gets an additional accidental death benefit of Rs 25 lakhs if selected.
  • Income option:  Under this option the person pays regular premium for 25 years and gets a basic life cover. Suppose the person meets with an accident and becomes permanently disabled during the policy term then the future premiums are waived off. If a person is diagnosed with terminal illness then the person receives a lumpsum of Rs 1 crore. Additionally besides a lumpsum of Rs 1 crore the nominee receives a monthly income for a specific term of 10 years (income term) chosen, when the insured dies during the policy term.
  • Extra Life Income option: Under this option the person pays regular premium for 25 years get a life cover on casual or accidental death and monthly income. Suppose the person meets with an accident and becomes permanently disabled during the policy term then the future premiums are waived off. If a person is diagnosed with terminal illness then the person receives a lumpsum of Rs 1 crore during the policy term. The nominee receives Rs 1 crore and monthly income for a specific term of 10 years (income term) chosen, during the policy term. If the insured dies due to an accident the nominee gets an additional accidental death benefit.
  • Income Replacement Option: Under this option the person pays regular premium for 20 years get a life cover death and monthly income. Suppose the person meets with an accident and becomes permanently disabled during the policy term then the future premiums are waived off. If in-case on diagnosis of terminal illness or, death of the insured during the policy term, then the nominee receives Rs 1 crore.
  • Return of Premium Option: Under this option the person pays regular premium for 25 years and gets a basic life cover with return of premium. Suppose the person meets with an accident and becomes permanently disabled during the policy term then the future premiums are waived off. Once the policy term ends, on maturity the insured person on survival gets back the premium paid. If in-case on diagnosis of terminal illness or death of the insured during the policy term, then the nominee receives Rs 1 crore.
  • Life Long Protection Option: Under this option the person pays regular premium for 28 years (i.e. 65-37) and gets a whole life cover. Suppose the person meets with an accident and becomes permanently disabled during the premium payment term then the future premiums are waived off. If in-case on diagnosis of terminal illness or death of the insured, then the nominee receives Rs 1 crore anytime till he is alive.
  • 3D Life Long Protection Option: Under this option the person pays regular premium for 28 years (i.e. 65-37) and gets a whole life cover. Suppose the person meets with an accident and becomes permanently disabled or is diagnosed with one of the 34 critical illnesses during the premium payment term then the future premiums are waived off. If in-case on diagnosis of terminal illness or death of the insured then the nominee receives Rs 1 crore, anytime till he is alive.

Why should you buy HDFC Life Click2Protect 3D Plus?

  • HDFC Life Click2Protect 3D Plus provides financial protection to family in-case of death
  • Offers tax benefits
  • This plan reduces the burden of treatment for several critical and terminal illness

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Who should buy HDFC Life Click2Protect 3D Plus?

  • A sole bread winner who is looking out to provide monetary protection to the family against risk
  • A person who is an active smoker
  • A person who works in an environment wherein he is exposed to chemicals

Claim Process

Know Claim Process of HDFC Life Click 2 Protect 3D Plus

Claim Process

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