HDFC Life Click 2 Protect Super Customised Review

There are two things you need to look for when you purchase a term insurance plan:

1. A credible term insurer: This ensures that your cover amount is disbursed seamlessly to your nominee in the event of your unfortunate absence.
2. Good riders: A term insurance plan that offers ample value-worthy riders lets you customize a vanilla term insurance plan at affordable charges.

HDFC Click 2 Protect Plan adheres to both these requirements and has become one of the most popular policies in the industry. As a standalone policy, the plan is comprehensive and offers a host of riders and add-ons across its variants. Additionally, HDFC Life, as an insurer, is reputed for its extensive line of financial products, excellent CSR, industry-best low complaint volume, and appreciable operational efficiency. In this case, the only hurdle is that the plans from the HDFC stable are slightly expensive compared to policies offered by other insurers.

In this article, let’s take a look at the HDFC Click 2 Protect Super variant and see if it’s worth purchasing.

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HDFC Click 2 Protect Super Plan: Brief Overview

HDFC Life was founded in 2000 and was originally a joint venture between HDFC Ltd. and Abrdn Plc., an investment company headquartered in the UK. However, in 2023, Abrdn sold its entire stake in the joint venture. Since then, HDFC Life has been operating as an independent entity. Considering that the company is backed by one of the leading private banks in the country, HDFC Life is now one of the top three life insurance companies in India.

Staying true to its glorified history, the insurer holds an average (of 3 years) –

The insurer’s brand value, extraordinary operational efficiency, and highly customizable features make HDFC Life a popular choice. Coming to the policy itself, the HDFC Click 2 Protect Super is an excellent plan if you are willing to pay slightly more premiums than its peers. The policy comes in three variants: Life, Life Plus, and Life Goal.

Here’s a look into some of the most highlighted features of this plan -

Should You Buy HDFC Click 2 Protect Life Plan?

1. HDFC Life as an Insurer:

HDFC Life boasts an industry-leading business volume (revenue) of over ₹29,600 crores in FY 2023-34. Despite being slightly pricey, their comprehensive policies are widely popular across the country, as they service certain areas and states that no other insurer covers. Choosing HDFC Life ensures low complaint volume and proficient operations. All in all, this makes HDFC Life a good choice for a life insurance company.

2. HDFC Life C2P Super Plan

HDFC Life Click 2 Protect Super (C2P Super) is one of the most comprehensive term insurance plans available today. While it is more expensive than its peers, with a reputed insurer like HDFC Life, which has consistently maintained a high claim settlement ratio, this plan is often considered an excellent choice for people looking for financial security. So, is the extra premium justified? And more importantly, does Click 2 Protect Super offer the right mix of benefits for your financial goals? Let’s take a look at this in detail. 

HDFC Life Click 2 Protect Super comes in three variants — Life, Life Plus, and Life Goal.

• Life: This is the most basic option, where the cover amount is paid as a lump sum upon death. This also includes an in-built terminal illness benefit, which means that if the policyholder is diagnosed with a terminal illness with a life expectancy of up to six months, the cover amount (up to ₹ 2cr) is paid immediately rather than waiting for the policyholder’s demise.
• Life Plus: This variant builds on this by adding an Accidental Death Benefit. If the policyholder dies in an accident, the nominee receives an additional payout over and above the base cover amount. This is a useful feature for those in high-risk professions or frequent travelers, ensuring that their families receive additional financial security in case of an accidental death. But we at ditto don’t actively recommend it as we believe that expanding the base cover by paying the same extra amount is better as it covers me for all kinds of deaths, including accidents.
• Life Goal: This is the most flexible of the three. Here, the cover amount decreases over time based on an amortization rate or a level cover period chosen by the policyholder. This is particularly beneficial for individuals who expect their financial liabilities to decrease over time, such as home loan repayments or a decline in dependents’ financial needs as children grow older.

While these three are plan variants, HDFC Life also offers a few riders to add to your base policy to make it more comprehensive. They are as follows:

• Waiver of Premium: A Waiver of Premium ensures that the insurer waives off all future premiums if you’re diagnosed with a critical illness or permanent disability. This ensures that you do not have the burden of paying premiums during trying times.
• Return of Premium: The Return of Premium (ROP) ensures that all premiums you have paid are refunded if you survive the term. While traditional term plans do not offer survival benefits, this feature makes Click 2 Protect Super attractive to those who want to recover their investment. However, it does come with much higher premiums and is usually not recommended due to this.
• Spouse Cover Option: While HDFC Life offers an option to cover your spouse, this is generally not recommended, as separate term plans for spouses offer greater flexibility and benefits. However, if your spouse is not working, you could consider this option or apply under the housewife category, which assesses income for housewives based on the male spouse's income.
• Option to adjust premium frequency: HDFC Life offers the flexibility to change the frequency of your premium payments. Whether you prefer to pay monthly or annually, this option allows you to adjust the payment schedule based on your financial situation. This is particularly useful for those with irregular income patterns, such as freelancers or business people.
• Option to change from regular pay to limited pay: This allows you to switch from regular premium payments to a limited pay option. This means you can pay off your premiums within a shorter duration (5, 10, or 15 years) while maintaining coverage for the entire policy term. However, please remember that it is the insurer’s discretion to accept/reject this.
• Renewability Option at Maturity: Unlike traditional term insurance plans, Click 2 Protect Super provides an option to renew the policy at the end of the term. This means you can renew your coverage after your original policy tenure ends. While premiums for the renewed policy may be higher as you age, this can be useful for those needing a policy later. However, we recommend choosing an adequate cover period at the beginning to avoid complications later.
• Life Stage Option: The Life Stage Benefit allows you to increase your coverage as you go through significant milestones in life – such as getting married, having children, or purchasing a house. With this option, you can increase your cover amount without undergoing new medical tests. However, this rider must be purchased at the start of the policy.
• Death benefit as an installment option: Instead of a lump sum payout, HDFC Life Click 2 Protect Super offers the flexibility to receive the death benefit in installments. Your nominee can receive the payout in monthly, quarterly, or annual payments for a fixed duration. This helps provide a steady income stream for dependents, ensuring the payout is not mismanaged. However, we recommend that you do not opt for this, as you can avail of the cover amount in one go and invest it in safe instruments, earning a higher return.
• Critical Illness: The Critical Illness Rider in HDFC Life Click 2 Protect Super offers protection if you are diagnosed with a serious medical condition covered under the insurer’s critical illnesses list. If you have this rider, the insurer provides a lump sum payout upon diagnosis that can be used for treatment, lifestyle adjustments, or to replace lost income during recovery.
• Accidental Income: This rider ensured that if the policyholder dies due to an accident, the nominee will receive an additional payout on top of the original base cover amount. However, you must remember that this applies only to accidental deaths and not to death from natural causes or illnesses. This is why we recommend that you take a higher cover amount instead of this rider, which will apply to any type of death.
• Smart Exit: This rider allows you to exit the policy early and receive a refund of the premiums you have paid. This is available if you choose the Non-Return of Premium (Non-ROP) option and exit the plan at a specified point before the policy term ends. For example, if you purchase a 30-year term plan but decide to exit the policy after 25 years (provided you meet the insurer’s criteria), you may get a refund of the total base premiums paid (except GST) up to that point.

What’s Unique About the HDFC Click 2 Protect Super Plan?

While the plan doesn’t introduce groundbreaking changes, one feature stands out — the income benefit on accidental disability. Instead of a lump sum payout, HDFC Life provides a monthly income for up to 10 years, which ensures a regular income for policyholders who are disabled. This can be particularly beneficial if you are the sole breadwinner of the family, and this payout can even extend to ₹1 or ₹2 lakhs, depending on your cover amount.

Apart from this, HDFC Life’s Waiver of Premium on disability and critical illnesses is among the most comprehensive in the industry. It covers over 60 major illnesses and ensures continued coverage even if you can no longer pay premiums due to medical conditions, provided you purchase this rider when applying for the policy.

Apart from this, HDFC Life Click2Protect Super introduces two new waivers for policyholders:

1. Financial Waiver: This option allows you to purchase a term insurance plan without providing extensive income proof such as your Income Tax Returns (ITR). However, this is subject to the following conditions:
   1. It is available only for self-employed people with a minimum annual income of ₹5 lakhs.
   2. The maximum cover amount selected should be ₹1 crore.
   3. The applicant must be between 18 & 50 and hold at least a graduate degree.
   4. The applicant must not have any pre-existing diseases (PEDs) or a history of rejection.
   5. A 25% loading charge is applied to the base premium.

Note: While the insurer will not ask you to provide 3 years of ITRs, they will ask for 1 or 2 years of ITR as income proof.

2. Medical Waiver / Video Medical: This rider allows you to skip a physical medical exam by undergoing a video medical consultation instead. However, this, too, has certain conditions:
   1. This is available only when your cover amount is less than ₹2 crore.
   2. A 25% loading charge is applied to the base premium.
   3. While the physical examination is waived, if they find any complications or inconsistencies in the video check-up, the insurer will still trigger a physical medical checkup.

Note: You can either select the Financial Waiver or the Medical Waiver, but not both.

Discounts in HDFC Life Click 2 Protect Super (C2P Super) in 2025

If you’re considering purchasing the HDFC Life Click 2 Protect Super in 2025, you may be eligible for some attractive discounts that can help you save on your premiums.

Firstly, the insurer offers a 5% digital discount for the first year if you purchase the policy online through HDFC Life’s official website or any approved digital platform (wink wink). This encourages online transactions and makes the policy more affordable for tech-savvy customers. Since buying online eliminates middlemen costs, this discount directly benefits you as a customer. This 5% discount is applicable only for the first year.

During the second year onward, if you are an existing HDFC customer or an HDFC employee, you can get a 2% discount on your premium. 

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Conclusion

Click 2 Protect Super is an excellent option for anyone. The riders that HDFC Life offers, such as life stage benefits and increasing cover, make it a well-rounded plan. However, these do come at a higher price, which may not appeal to those who want an affordable term insurance policy. If this is the case, it might be worth exploring more affordable alternatives from Axis Max Life or ICICI Prudential. Comparing term insurance policies will get you a better idea of their features and premiums. However, if you’re willing to spend the extra money, Click 2 Protect Super is a strong contender.