Term Insurance 269 views March 4, 2021

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.

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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.

HDFC Click 2 Protect 3D Plus

  1. Life Option - Sum Assured on Death

  2. 3D Life Option - Sum Assured on Death

  3. Extra life Option - Sum Assured on Death

  4. Income Option - Sum Assured on Death + Level/Increasing Monthly Income

  5. Extra Life Income Option - Sum Assured on Death + Monthly Income

  6. Income Replacement Option - 12X Increased Monthly Income + Level/Increasing Income for Residual Policy

  7. Return of Premium Option Sum Assured on Death

  8. Life Long Protection Option - Sum Assured on Death

  9. 3D Life Long Protection Option - Sum Assured on Death

Sum Assured on Death is Highest of the Following -
For single Pay - 125% of Single Premium, Guaranteed Sum Assured on Maturity or Absolute amount assured to be paid on death.
For Regular Pay - 10X the Annualised Premium, 105% of the Paid Premiums, Guaranteed Sum Assured on Maturity, Absolute amount assured to be paid on death.
HDFC Life Click 2 Protect Plus

  1. Life Option - Death Benefit

  2. Extra Life Option - Death Benefit + Accidental Death Benefit

  3. Income Option - 10% of the Death Benefit in a lump sum and the remaining 90% in monthly income for up to 15 years.

  4. Income Plus Option - 100% of the sum assured in a lump sum and a monthly income of 0.5% of the sum assured up to 10 years. You can choose your monthly income to be either level or increasing at a simple rate of 10% p.a. as per your convenience.

Death Benefit is Highest of the following -
For single Pay - 125% of Single Premium or Sum Assured
For Regular Pay - 10X the Annualised Premium, 105% of the Paid Premiums, Sum Assured

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

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