Term Insurance 5372 views July 4, 2019

HDFC Life Click 2 Protect Plus

The HDFC Click 2 Protect Plus is one of the most popular term insurance plans available in India presently. It is a plan that offers many variants. It has a comprehensive life cover and is available at a low cost. The plan is available online, making it easier to own. Take a look at this article to know more about the HDFC Click to Protect Plus and why you must get the term insurance cover for yourself.

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Different Covers Available Under the HDFC Click 2 Protect Plus Term Plan

The HDFC Click 2 Protect Plus Term Insurance plan has not one, but several options in the term life insurance coverage areas. You can choose from 9 options. They are as follows:

  1. Life Option
  2. Return of Premium Option
  3. 3D Life Long Protection Option
  4. Extra Life Option
  5. Income Option
  6. Income Replacement Option
  7. Life-Long Protection Option
  8. Extra Life Income Option
  9. 3D Life Option

As you can see, the different covers are designed, keeping in mind the needs of different people. For instance, if you choose the life option, the plan becomes a pure term insurance plan where you simply pay the premium to stay insured. If you choose the return of premium option, the plan functions as a TROP and you get the premium you paid back when you outlive the policy period. It is thus important for you to understand the scope of coverage offered by each variant and then choose the option that is best suited for you. You need to make your selection at the time of the policy purchase.

Advantages of the HDFC Click 2 Protect Plus Term Insurance Plan

Now, let us take a more detailed look at some of the best advantages offered by the HDFC Click 2 Protect Plus term insurance plan:

Many options

As mentioned above, the HDFC Click 2 Protect Plus Term insurance plan has many coverage options. This is a unique feature that very few other term insurance plans offer. From an increasing term cover to a level life cover to a TROP, you can choose what you need and what your family requires in terms of life coverage. You can also add some riders such as the accidental death benefit rider and the critical illness rider. With these benefits in place, the policy indeed becomes very handy and useful for anyone who buys it.


The main reason why most people buy a term insurance plan is the affordability factor. Unless a term insurance plan offers a comprehensive life cover at a cheap rate, the plan doesn’t qualify as a good option. Fortunately, the HDFC Click 2 Protect Plus Term plan is a very affordable term life insurance plan. It has a wholesome cover at some of the most competitive rates. You also have a lot of flexibility in terms of premium payments, making it easier for you to maintain the plan. This is a big benefit of buying this policy.

Comprehensive Life Cover

You should not think that because the price is low, HDFC Click 2 Protect Plus offers a lower-than-desired life cover. In fact, the plan has many different covers that you can customise as per your needs. This is another good advantage you get when you invest in the HDFC Click 2 Protect Plus term insurance plan.


A plan that has so many variants can unmistakably be customised. You can select a cover of the volume you need. You can customise the type of payout your family receives. You can also customise the premium payment terms. These are some of the best ways in which the HDFC Click 2 Protect Plus plan can be customised to meet the individual requirements you have.

Regular Income Option

If you want your family to get a regular income if you die and your salary stops, you can do so with this plan. HDFC Click 2 Protect Plus offers you the option to break up the death benefit into small instalments and payout to the beneficiaries. This acts as a wonderful income replacement when the breadwinner of the family dies. You need to inform the insurer about this when buying the plan.

Tax Benefit

The Indian Income Tax Act has a section known as Section 80C. As per the clauses of this section, anyone who pays a life insurance premium stands to get an income tax rebate for the premium paid. A maximum sum of Rs 1.5 lacs a year is available under this clause. So when you buy the HDFC Click 2 Protect Plus and pay the premium, you get a tax benefit as well.

Easy to Buy

And finally, the HDFC Click 2 Protect Plus Term Insurance Plan is very easy to buy. You simply need to go online, fill in the details and buy the plan then and there. It is a quick, easy and hassle-free procedure.

Very few term life insurance plans in India offer such a wide pool of benefits to the policyholders. As is obvious, the HDFC Click 2 Protect Plus is indeed an excellent plan loaded with some of the most beneficial features. Get the plan right away if you have not done so already!

Reasons to Buy the HDFC Click 2 Protect Plus Term Insurance Plan

Here are some very logical reasons why you can buy the HDFC Click to Protect Plus plan:

Best Term Insurance

There are many term insurance plans available in the market these days. But sadly, not every plan delivers. Some are too expensive while some offer a limited life cover. The terms and conditions on some of the term life insurance plans are vague, making it very challenging for you to even understand them. This is why you need to be very careful when choosing the term plan you buy. Thankfully, the HDFC Click 2 Protect Plus policy is indeed an excellent cover. The terms are lucid, the pricing is fair and the coverage is comprehensive. Get this plan and you will have a wonderful life insurance cover.

Excellent Insurer

The role of the insurance company is very important for any term insurance cover. All insurers come across as very professional and helpful when you approach them for the cover, but once it is sold, their cooperation ends too. However, HDFC Life is a very old and reputed life insurance company in India. They have won many awards for their products and services. They offer excellent customer support. They also have a claim settlement ratio of over 99%, which tells you just how good an insurer they actually are. When you buy the term cover from
HDFC Life, you are assured of getting the best benefits.

Simple Documentation

And finally, the documentation process is very simple. You can get the plan with some basic KYC documents and your financial statements. It is not difficult to arrange for these documents at all. You just need to fill up the application form, submit the needed documents along with passport size photographs and submit your application. You will be instantly informed if it has been accepted and then the policy will be issued in your name.

With these reasons in place, you can understand exactly why you should buy this wonderful term insurance plan from HDFC Life.

In conclusion

If you are looking to invest in a good term life cover, the HDFC Click 2 Protect Plus term insurance plan may be a very good option for you. Keep all the points mentioned above in mind and you will know exactly how beneficial this plan is for you. You can purchase the plan online, so just log in and get protected.

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