HDFC Life Click 2 Protect 3D Plus

HDFC Life is one of the largest and undoubtedly, among the best, private life insurance companies in India. It has many attractive life insurance plans on offer, including some great term insurance policies. The HDFC Life Click 2 Protect 3D Plan is one of the most popular e-term plans. If you are planning to buy term insurance online, the HDFC Life Click 2 Protect 3D Plus can prove to be a great option for you. Let us find out why.

Features of the HDFC Life Click 2 Protect 3D Plus

To start off with, let us glance over the features offered by HDFC Life Insurance Company on its Click 2 Protect 3D Plus life insurance term plan:

1. Large life cover at a low rate – this makes this plan one of the most affordable life insurance options for you.
2. 3D protection – protection against the 3 Ds, namely Death, Disability and Disease.
3. Flexible options – there are different variants of the term life cover that you can choose from.
4. Increased coverage – you can have the term insurance sum assured increased as you cross certain milestones of your life like your marriage, the birth of your child, etc.
5. Tax benefits – you get a tax reduction for the insurance premium you pay under Section 80 C and a tax benefit on the payout under section 10 (10 D).
6. Discount based on lifestyle habits – if you are a non-smoker and maintain a good health record, you can get handy discounts on the term insurance quotes.
7. Flexible cover – you can add term insurance riders, opt for a return of premium, get the cover and policy period of your choice.

As you can see, these awesome term insurance features make the HDFC Life Click 2 Protect 3D Plus extremely flexible and beneficial for you.

Benefits of getting the HDFC Life Click 2 Protect 3D Plus plan

Now that we know more about the features of this excellent term life insurance plan, let us see what benefits you get for choosing this option:

Death benefit

Your nominee will receive a death benefit if you die before the term plan’s policy period ends. To ensure this happens, you have to pay the insurance premium on time and ensure your life cover is continuous and uninterrupted.

Flexible payout options

You can opt for your family to get the entire sum assured in one go after your death. This is the lump sum benefit available in term insurance. Alternatively, you can also have the income benefit payout where the sum assured will be broken up into smaller parts and paid out over a pre-decided period of time. You can also opt for a combination of the two. Being able to select the payout in advance is a great benefit you get when you buy HDFC Life’s term insurance online.

Disability assurance

As a policyholder of the HDFC Life Click 2 Protect 3D Plus plan, you get the total disability benefit. Here, the insurance premium for the remaining duration of the term life insurance cover is waived off if you are left permanently disabled in an accident. This is a huge benefit you get when you purchase this life insurance policy from HDFC Life.

Accidental death benefit

Your nominees will receive an additional sum assured if your death takes place in a road accident. This coverage, however, is only available if you opt for the Extra Life & Extra Life income option when you buy this term insurance online.

Critical illness benefit

This is also an added benefit you get along with the term plan, but only when you opt for the 3D Life & 3D Life Long Protection option. If you have this insurance coverage and you are diagnosed with a critical illness like a stroke or kidney failure, the insurance provider will pay a lump sum amount of money which you can use to get the best treatment or to clear your bills or for any other purpose.

Terminal illness benefit

If you are diagnosed with a terminal illness, you will get the term insurance death benefit earlier and the life cover will come to an end.

The increasing sum assured

When you buy the term plan, you can opt for the increasing sum assured benefit. Your basic life cover will keep increasing as you progress in life. You can get the sum increased when you get married, have a child, etc. You have to submit supporting documents to the insurance company such as marriage certificate and birth certificates to establish your claim.

These are some of the many benefits you get when you buy the Click 2 Protect 3D Plus plan.

Exclusions of the plan

Like in all the different types of life insurance, in term insurance too you have a few standard exclusions. These exclusions are included in the Click 2 Protect 3D Plus plan too. Here are some of the exclusions that you should be aware of:

Suicidal death

If the death of the policyholder is caused due to self-harm or suicide, the term insurance death benefit may not be paid out to the nominees.

Lapsed policy

If there was a default on the insurance premium payment and the policy lay in a lapsed state when the death occurred, an insurance claim cannot be made on the HDFC Life Click 2 Protect 3D Plus plan. This is why it is so important for you to pay the premium on time and keep the term insurance cover running at all times.

Be cautious of these exclusions and buy and use your term life insurance policy accordingly.

The bottom line

The HDFC Life Click 2 Protect 3D plus plan is one of the best term insurance policies available in India these days. As you can clearly see from the points mentioned above, the plan has many beneficial features that you can use. So if you want a very good term insurance cover, do consider the HDFC Life Click 2 Protect 3D Plus plan as one of your options.