HDFC Life Click 2 Protect 3D Plus

HDFC Life is one of the leading life insurance companies in India. HDFC life insurance offers a wide range of individual and group insurance products. HDFC life insurance provides different products to meet various customer needs, which can be Protection, Pension, Savings & Investment, and Health.

Offers 9 variants to cover 3 life’s D – Death, Disease, Disability.

HDFC Term Insurance also offers a distinct insurance plan for Children and Women. HDFC Click2Protect 3D Plus is one such customizable term insurance plan. HDFC Click2Protect 3D Plus is a pocket-friendly term insurance plan that can be easily purchased online.

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Reliance General Insurer

Amount Covered: ₹ 1 Lakh

Deal Price: ₹ 2,094 / Year

Waiting period: 4 yrs

Disclaimer: Above mentioned premium is for a 25 years old Male. Premiums payable on a monthly basis.

Product Overview - HDFC Life Click 2 Protect 3D Plus

“Click2Protect 3D Plus” is an online term insurance plan by HDFC Life. Click2Protect 3D Plus is a comprehensive term insurance plan that ensures your family stays financially secured at an affordable price.

The 3D in the Click 2 Protect stands for - Death, Disability, and Disease.

The Click 2 Protect 3D Plus Plan is customizable as per one’s needs and requirements. One can select from the 9 plan options that are available under HDFC life Click 2 Protect 3D Plus.

Importance of Buying HDFC Life Click 2 Protect 3D Plus

Benefits of HDFC Life Click2Protect 3D Plus

HDFC Life Click 2 Protect offers you with an option of 9 plans that you can customize as per your needs. Depending on the plan option, the sum assured will be paid to the nominee. For more understanding of the benefits, each benefit is explained below.

Death Benefit

Depending on the term plan opted, the nominee will receive the death benefit. The death benefit amount will be the sum total of the ‘sum assured – basic plan coverage’ and the ‘additional benefit (if any – as opted)’.

Depending on the type of premium pay mode and the type of plan opted, the sum assured will vary and is mentioned below:

For Single Pay Policies Highest of:
- 125% of Single Premium
- Guaranteed Sum Assured on Maturity
- Absolute amount assured to be paid on death
For regular pay & limited pay policies Highest of:
- 10 times of the *Annualised Premium
- 105% of *Total Premiums Paid
- Guaranteed Sum Assured on Maturity
- Absolute amount assured to be paid on death

Please Note:

*Annualised premium shall be the premium payable in a year chosen by the policyholder, excluding the underwriting extra premiums, loadings for modal premiums, service tax and cess, if any.

*Total Premiums paid = Annualised Premium × number of years (or part thereof) for which premiums have been paid for Limited and Regular Pay or Single Premium for Single Pay

The payouts will be as per the plan, it can be either in lumpsum (6 options) and lumpsum + Monthly payout (3 option). Each option is described below in the “Plan Offered” Section.

Accidental Death Benefit: In case of an accidental death of the life assured, the nominee will receive the basic plan coverage plus the accidental death rider benefit. The Accidental Death Benefit is available under only “Extra Life & Extra Life income” plan options
Accidental & Total Permanent Disability (ATPD): In case the life assured suffers an accidental total permanent disability, all future premiums payable under the term plan will be waived off. This rider is available under all optional plans under the Click 2 Protect 3D Plus.
Critical illness Benefit: In case the life assured is diagnosed with any of the covered critical illnesses, all future premiums payable under the term plan will be waived. The Critical illness rider is available under only “3D Life & 3D Life Long Protection” options
Terminal illness Benefit: In case the life assured is diagnosed with any of the covered terminal illness, the life assured will receive the Death Benefit and the policy will terminate. This rider is available under all optional plans under the Click 2 Protect 3D Plus Plan.
Life Stage Protection : On life stage event, you have an option to increase the basic sum assured. You have the option to increase the coverage (Sum Assured) in future on different life stage events like Marriage and Child Birth. However, you must select this option at the time of the inception of the policy. The increase will only be applicable once you intimate the insurer about the life stage with requisite proofs.

Life Stage Protection is available for all plan options and is subject to BAUP. The Life Stage Events covered along with the applicable Sum Assured limits are mentioned in the table below

Life Stage Events	Increase in Sum Assured Permissible
1st Marriage	50% of Sum Assured not exceeding Rs.50 Lakh
On 1st Child Birth	25% of Sum Assured not exceeding Rs.25 Lakh
On 2nd Child Birth	25% of Sum Assured not exceeding Rs.25 Lakh

Top up Option: In the Top up Option you may opt for a systematic increase of your cover from 1st policy anniversary onwards. The Top up option is available for all the plan options under Click2Protect 3D Plus. And it has to be opted for at policy inception and is subject to BAUP.
Maturity Benefit: : The maturity benefit is available only under the Return of Premium option. Under the maturity benefit, all the premiums paid till date are returned back in case the Life Assured survives till the end of the policy term.

Features of HDFC Life Click 2 Protect 3D Plus

The main features of the Click 2 Protect 3D Plus is mentioned below:

Provides your family financial security at a pocket-friendly rate
Offers a cover against life’s 3 uncertainties – Death, Disease, and Disability
Customizable with 9 plan options available
Offers a cover for whole life with Life Long Protection & 3D Life Long Protection options.
Offers a Life Stage Protection feature to increase the policy coverage on certain key stage milestones without medicals
Offers a 30 day free look period
Tax Benefits on the premiums and the payouts under Section 80C and 10(10D) of Income Tax Act.
Additional and optional riders to expand the base plan coverage
Lower rates for non-smokers and female lives
Flexibility in terms of choosing policy period, premium paying modes, premium payouts, etc.
Offers a Return of Premium option

Eligibility Criteria of HDFC Life Click 2 Protect 3D Plus

Eligibility Criteria for All Options except Life Long Protection Option & 3D Life Long Protection Option

Entry Age	Min. 18 years and Max. 65 years
Policy Term Age	Min.5 years and Max. 40 years
Maturity Age	Min. 23 years and Max.75 years
Premium Payment Mode	Single, Regular, Limited Period 5-39 years
Premium Payment Frequency	Annual, Semi-annual, Quarterly, Monthly, Single
Minimum Basic Sum Assured	Rs. 10,00,000

Eligibility Criteria for Life Long Protection Option & 3D Life Long Protection Option

Entry Age	Min. 25 years and Max. 65 years
Policy Term Age	Whole of Life
Maturity Age	Whole of Life
Premium Payment Mode	Limited 65-Age at Entry
Premium Payment Frequency	Annual, Semi-annual, Quarterly, Monthly
Minimum Basic Sum Assured	Rs. 10,00,000

Plans Offered by HDFC Life Click2Protect 3D Plus

Depending on the type of payouts, Lumpsum or Lumpsum + Monthly payouts, the 9 optional plans are divided as mentioned below:

In case of Lumpsum Payouts – The Nominee will get the entire amount at one go as Death Benefit

1. Life Option: This is an online term plan option under Click 2 Protect 3D Plus, wherein if the life assured dies during the policy term or he/she is diagnosed with any of the mentioned Terminal Illness, the nominee receives the death benefit. The entire sum assured is paid at one go by HDFC Life Insurance. Moreover, if the life assured suffers total permanent disability due to an accident, all future premiums are waived.

Main Features:

Immediate Payout - Sum Assured on death or diagnosis of Terminal illness
Waiver of Premium – In case of total permanent disability due to an accident

2. Extra Life Option: Under this term plan, an additional accidental death rider is attached. Having this policy means, if the life assured becomes a victim of an accidental death, the nominee will receive an additional benefit over and above the base policy coverage that is why it is said Extra Life option.

Main Features

Immediate Payout - Sum Assured on death or diagnosis of Terminal illness
Waiver of Premium – In case of total permanent disability due to an accident
Additional Payout - In case of death of the life assured due to an accident

3. 3D Life Option : The term 3D stands for Death, Disease, and Disability. This term plan covers all three D - Death, Disease and Disability. In case of death or diagnosis of any Terminal Illness (covered), the lump-sum benefit is paid. And in case of total permanent disability due to an accident or diagnosis of any of the 34 mentioned Critical Illness, there is waiver of future premiums.

Main Features:

Immediate Payout - Sum Assured on death or diagnosis of Terminal illness
Waiver of Premium – In case of total permanent disability due to an accident and Diagnosis of 34 critical illness

4. Life Long Protection Option : The name life long protection implies protection for your entire life. You stay protected for your entire life, however, you pay premiums only till the age of 65 years.
In case the life assured passes away or is diagnosed with any of the mentioned Terminal Illness, the entire sum assured is paid as lumpsum. In case the life assured suffers total and permanent accidental disability, all future premiums are waived off.

Main Features:

Immediate Payout - Sum Assured on death or diagnosis of Terminal illness
Waiver of Premium – In case of total permanent disability due to an accident
Policy term - Whole Life

5. 3D Life Long Protection Option : In addition to the benefits under Life Long Protection Option, you pay premiums only till the age of 65 but stay covered for whole life, you will also receive waiver of future premiums upon diagnosis of 34 Critic

Main Features:

Immediate Payout - Sum Assured on death or diagnosis of Terminal illness
Waiver of Premium – In case of total permanent disability due to an accident and in case of Diagnosis of 34 critical illness
Policy term - Whole Life Illnesses

6. Return of Premium Option : If the policyholder survives till the end of the policy term, he will receive the total premiums paid under this plan option.In case of life assured’s death or being diagnosed with any of the Terminal Illness during the Policy Term a Lumpsum benefit will be paid to the nominee. Moreover, all future premiums are waived off in case the life assured suffers total permanent accidental disability due to an accident.

Main Features

Immediate Payout - Sum Assured on death or diagnosis of Terminal illness
Waiver of Premium – In case of total permanent disability due to an accident
Survival Benefit - In case of survival of the policy term, you will receive your total premiums back In case of Lumpsum + Monthly Payouts

In case of Lumpsum + Monthly Payouts

1. Income Option : As the name suggests, it offers payouts as monthly income. Part of the benefit is paid as lumpsum and the rest of the amount is paid as monthly payouts. The nominee will receive payouts regularly, which will ensure financial stability of the family. There are two options to receive monthly payouts, either as level monthly income or increasing monthly income.
In case the life assured is diagnosed with any of the mentioned Terminal Illness, a lump-sum amount is paid. And in case, the life assured suffers total permanent accidental disability, all future premiums are waived off.

Main Features

Immediate Payout - Sum Assured on death of the life assured or diagnosis of Terminal illness
Waiver of Premium – In case of total permanent disability due to an accident
Monthly Payout - Level or increasing monthly income for the period chosen at the time of inception

2. Extra Life Income Option : This plan is same as Income Option plan, however, this plan comes with an in-built accidental death benefit rider. In case of an accidental death of the life assured, an additional sum assured amount will be paid to the nominee, partly as lumpsum and partly as monthly income.

Main Features

Immediate Payout - Sum Assured on death or diagnosis of Terminal illness
Waiver of Premium – In case of total permanent disability due to an accident
Additional Payout - In case of death of the life assured due to an accident
Monthly Payout - Level or increasing monthly income for the period chosen at the time of inception

3. Income Replacement Option : As the name suggests, this plan ensures the payouts are such that they are replacement of the loss of income due to the death of the life assured. Under this plan, the nominee keeps receiving the income stream even in the absence of a breadwinner. And in case of death or diagnosis of a terminal Illness that is covered, the nominee will receive 12 times the applicable monthly income as lumpsum as well as a level/increasing income for residual policy term. Moreover, in case the life assured suffers accidental total permanent disability, all future premiums are waived off in case of total permanent accidental disability.

Main Features

Immediate Payout - 12 times the monthly income
Waiver of Premium - Total permanent disability due to an accident
Monthly Payout - Level or increasing monthly income for the period applicable at the time of inception

Other Details of HDFC Life Click 2 Protect 3D Plus

Surrender Value: Surrender Values are only payable if no claims have been made during the policy period, and it is payable during the policy term. All surrender values are guaranteed and are described as below:

1. All options except Income Replacement, Return of Premium, Life Long Protection & 3D Life Long Protection Options

In case of Single Pay (SP) - 70% × SP × (Unexpired Policy Term / Original Policy Term)
In case of Limited Pay (SP) - 70% × Total Premiums Paid × (Unexpired Policy Term /Original Policy Term) Please Note: No surrender value is payable for all other cases

2. Income Replacement Option: In case of Single Pay (SP) - 70% × SP× ((Unexpired Policy Term )/(Original Policy Term ))^2

3. Return of Premium Option

In case of Single Pay (SP)

Within first 3 policy years - 70% × SP
4th Policy Year Onwards - 90% × SP

In case of Limited Pay (LP) and Regular Pay (RP)

Within first 3 policy years (if surrender value is acquired) – 30% × Total Premiums Paid
4th & 5th Policy Year - 50% × Total Premiums Paid
6th Policy Year onwards - [50%+(40%)/((PT-5 ) ) ×(PY-5) ]× Total Premiums Paid

Where, PT = Original Policy Term and PY = Policy Year of Surrender

4. Life Long Protection & 3D Life Long Protection Options

Surrender Value - 70% × Total Premiums Paid × (Max (0,100 – Age at Surrender)) / (100 – Age at Entry)**

Please Note:

Surrender Value gets acquired immediately on payment of single premium
For Limited and Regular Payment policies, Surrender Value gets acquired upon payment of premiums for 2 years - in case premium payment term is less than 10.
For other cases, surrender value gets acquired on payment of premiums for 3 years

Grace Period – HDFC Life offers a grace period of thirty days from the due date. Except for monthly mode, for which a grace period is of only fifteen days. The grace period of 30 days is offered on yearly, half-yearly and quarterly payment mode. If the life assured dies during the grace period, HDFC Life will still pay the death benefit, post deducting the due premium till the date of death (if any).

Tax Benefit - All the premiums and the payout is exempted from the tax under Section 80C and 10(10D) of Income Tax Act.

Free-look Cancellation – If you are not agreeable to the any policy terms and conditions, you have the option of cancelling the policy with stating the reasons thereof. This is must be done within 15 days from the date of receipt of the policy. However, the free-look period for policies purchased through distance marketing/Online will be 30 days. Where, distance marketing refers to insurance policies sold over the telephone or the internet or any other method that does not involve face-to-face selling.

On receipt of your letter along with the original policy documents, HDFC Life shall arrange to refund you the premium. This is however done subject to deduction of the proportionate risk premium for the period on cover. Also, the expenses incurred by HDFC Life on medical examination if any and on stamp duty charges. And if you wish to cancel the policy during the grace period, you shall receive the refund of the premiums paid. However, the cost due to the medical tests, risk premium for the period of cover, and stamp duty charges will be deduced.

Lapsed Policy Reinstatement or Revival- A lapsed Policy can be revived by you within 2 years from the due date of the first unpaid premium subject to the terms and conditions as specified from time to time. Once the insurance policy is revived, you are entitled to receive all contractual benefits.

Exclusions - HDFC Life Click 2 Protect 3D Plus

Suicide Exclusion:

In case of death due to suicide, within 12 months;

From the date of inception of the policy, your nominee or beneficiary shall be entitled to at least 80% of the premiums paid, provided the policy is in-force.
From the date of revival of the policy, your nominee or beneficiary shall be entitled to an amount which is higher of 80% of the premiums paid till the date of death or the surrender value as available on the date of death.

Review - HDFC Life Click 2 Protect 3D Plus

The term plan offered by the HDFC Life is totally customizable. HDFC Life Click 2 Protect 3D Plus plan can be customized as there are 9 optional plans offered. With optional riders, you can increase the coverage and enhance the scope of the policy. The flexibility of HDFC Life Click 2 Protect 3D gives you options to increase the sum assured with life stage events like marriage, first child, and second child. Moreover, the different payout options means you can opt how your family will receive the coverage. You can select the plan as per your requirements. And all this can be done from the comfort of home by buying online. Click 2 Protect 3D offered by HDFC Life is pocket-friendly term plan to provide financial security to your family.

Frequently Asked Questions

Q. What is HDFC Life Click 2 Protect Plus?
- HDFC Click2Protect 3D Plus is one such customizable term insurance plan.HDFC Click2Protect 3D Plus is a pocket-friendly term insurance plan that can be easily purchased online.
Q. Is HDFC Life term insurance Safe?
- Yes, HDFC Life Insurance is Safe and it provides the best life insurance policy at reasonable premiums.
Q. What is 3D life option?
- The 3D Life option offers complete cover from disease. If the insured individual is diagnosed with a critical illness, then all future premium payments are waived off, while the policy continues to remain in effect.

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HDFC Life Click 2 Protect 3D Plus

Buy Term Insurance Plans from Top Insurer's

Product Overview - HDFC Life Click 2 Protect 3D Plus

Importance of Buying HDFC Life Click 2 Protect 3D Plus

Exclusions - HDFC Life Click 2 Protect 3D Plus

Review - HDFC Life Click 2 Protect 3D Plus

Frequently Asked Questions

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