Compare HDFC Life Click 2 Protect 3D Plus Vs HDFC Life Click 2 Protect Plus

HDFC Life is the top private sector life insurance company in India that provides a wide range of products to customers. The company is a joint venture of HDFC Ltd. and Standard Life Aberdeen. So if you are looking for term insurance from HDFC Life, wait because we have selected two of its best term insurance plans – HDFC Life Click 2 Protect 3D Plus and HDFC Life Click 2 Protect Plus based on the overall benefits. Now, you just need to compare the features and benefits of HDFC Life Click 2 Protect 3D Plus and HDFC Life Click 2 Protect Plus. Start comparing by reading this page further.

Compare HDFC Life Click 2 Protect 3D Plus Vs HDFC Life Click 2 Protect Plus Sum Assured and Premium Amount

Under both these HDFC Life Term Insurance Plans, you will get a maximum life cover up to INR 1 Crore. Under HDFC Life Click 2 Protect 3D Plus, the insured needs to pay a minimum premium of INR 521 per month under the income option, where the minimum basic sum assured is INR 10 Lakh. On the other hand, HDFC Life Click 2 Protect Plus charges a minimum premium of INR 540 per month, and here, the minimum sum assured is INR 25 Lakh.

Compare Death Payout Benefit of HDFC Life Click 2 Protect 3D Plus Vs HDFC Life Click 2 Protect Plus

In case of an unfortunate event of the death of the life insured, HDFC Life may provide the following death payout as per your chosen term insurance.

Compare the Accidental Coverage Benefit of HDFC Life Click 2 Protect 3D Plus Vs HDFC Life Click 2 Protect Plus

In case you meet an accident in the future, these HDFC Life Term Insurance Plans will provide you the following financial coverages such as –

HDFC Life Click 2 Protect 3D Plus – You can get an Accidental Total Permanent Disability benefit under this term insurance plan if an accident injury results in total disablement of the insured person. In such cases, the company will waive all future premiums. Whereas if an accident is caused by external, visible and violent means and it leads to the death of the insured person, the nominee will receive an extra life sum assured.

Note – Accidental Death must be caused within 180 days of any bodily injury and this benefit shall be available only if you opt for Extra Life Option and Extra Life Income Option.

HDFC Life Click 2 Protect Plus – An additional accidental death benefit shall be payable in case of accidental death if the insured opts for an Extra Life Option.

Compare HDFC Life Click 2 Protect 3D Plus Vs HDFC Life Click 2 Protect Plus Maturity Benefits

If you have survived the policy term till the maturity date, you’ll receive the return of premium benefit under HDFC Life Click 2 Protect 3D Plus Plan if you opt for Return of Premium Option under the same. Hence, there is no maturity benefit available under HDFC Life Click 2 Protect Plus.

Compare HDFC Life Click 2 Protect 3D Plus Vs HDFC Life Click 2 Protect Plus Critical Illness Benefits

Upon diagnosis of a critical illness as mentioned in the policy document, you will receive the critical illness benefit under your HDFC Life Term Insurance Plan. Let’s compare both HDFC Life Click 2 Protect 3D Plus Vs HDFC Life Click 2 Protect Plus Critical Illness Benefits

HDFC Life Click 2 Protect 3D Plus – All your future premiums shall be waived under this term insurance on the diagnosis of the following critical illnesses if you opt for 3D Life Option and 3D Life Long Protection Option.

1. Cancer of specified severity
2. Open Chest CABG
3. Kidney Failure requiring regular dialysis
4. Major Organ/ Bone Marrow Transplant
5. Stroke resulting in permanent symptoms
6. Apallic Syndrome
7. Benign Brain Tumour
8. Coma of specified severity
9. End Stage Liver Disease
10. End Stage Lung Disease
11. Loss of Limbs
12. Loss of Independent Existence
13. Blindness
14. Third Degree Burns
15. Major Head Trauma
16. Permanent Paralysis of limbs
17. Scleroderma
18. Multiple Sclerosis with Persistent Symptoms
19. Muscular Dystrophy
20. Parkinson’s Disease
21. Poliomyelitis
22. Deafness
23. Loss of Speech
24. Medullary Cystic Disease
25. Systemic lupus Eryth with Renal Involvement
26. Aplastic Anaemia
27. Alzheimer’s Disease / Irreversible Organic Degenerative Brain
28. Disorders
29. Motor Neurone Disease with Permanent Symptoms
30. MYOCARDIAL INFARCTION (First Heart Attack of specific severity)
31. Open Heart Replacement or repair of heart valves
32. Major Surgery of Aorta
33. Angioplasty
34. Cardiomyopathy
35. Primary (Idiopathic) Pulmonary Hypertension

HDFC Life Click 2 Protect Plus – The policy doesn’t have an in-built coverage for critical illnesses, so you can opt for an HDFC Life Critical Illness Plus Rider. In this way, you can get a lump sum equal to the Rider Sum Assured if you are diagnosed with any of the 19 Critical Illnesses as mentioned below:-

1. Cancer of specified severity
2. Apallic Syndrome
3. Open Chest CABG
4. Benign Brain Tumor
5. First Heart Attack – of specified severity
6. Coma of specified severity
7. Kidney Failure requiring regular dialysis
8. End Stage Liver Disease
9. Major Organ/ Bone Marrow Transplant
10. End Stage Lung Disease
11. Stroke resulting in permanent symptoms
12. Open Heart Replacement or repair of heart valves
13. Surgery of Aorta
14. Loss of Limbs
15. Loss of Independent Existence
16. Major Head Trauma
17. Loss of Sight
18. Paralysis of limbs
19. Major Burns