HDFC Life Click 2 Protect Super was a non-linked, non-participating term insurance plan from one of India's most trusted private life insurers. The plan offered three variants, Life, Life Plus, and Life Goal, along with features like increasing cover up to 200%, terminal illness acceleration, and a return of premium option.
HDFC Life also continues to showcase efficiency with a claim settlement ratio (CSR) of 99.55% for FY 2022-25 and only 1.33 complaints per 10,000 claims.
This guide is for first-time buyers and existing policyholders who want to understand more about HDFC Life Click 2 Protect Super.
Buying term insurance is usually about one simple question: if something happens to you, will your family have enough money to manage their life without financial stress? That is where HDFC Life Click 2 Protect Super came in. It was built as a flexible protection plan that could adjust as your responsibilities changed.
But here’s the real question: Why was the plan not considered a worthy plan for policyholders anymore? Let’s break it down in this HDFC Life Click 2 Protect Super review.
HDFC Click 2 Protect Super was a popular term insurance plan that allowed buyers to tailor their life cover based on personal lifestyle, financial goals, and future milestones. It also offered in-built features such as terminal illness benefit, waiver of premium for disability or critical illness, life-stage cover upgrades, and optional riders for critical illness and accidental benefits.
The plan further provided an increasing cover option that adjusted coverage with inflation.
However, HDFC Life has withdrawn Click 2 Protect Super for new purchases, replacing it with newer offerings, such as the HDFC Click 2 Protect Supreme Plus, which include updated features and broader customization.
Death Benefit: Pays a lump sum to the nominee if the life assured dies during the policy term.
Terminal Illness Benefit: Accelerates the death benefit, up to ₹2 crore, if the life assured is diagnosed with a covered terminal illness before age 80.
Accidental Death Benefit: Pays an additional amount equal to the sum assured on death in case of accidental death within 180 days of the incident under the Life Plus option.
Maturity Benefit: Pays 100% of total premiums paid on survival till maturity if the Return of Premium option is selected, otherwise nothing in return.
Waiver of Premium on Critical Illness and Total and Permanent Disability: Waives all future premiums if the life assured is diagnosed with a covered critical illness or suffers total and permanent disability.
Spouse Cover Option: Provides death benefit cover for the spouse (maximum cap of 50% of the life assured’s cover) after the life assured’s death for the outstanding policy duration and waives future premiums.
Life Stage Option: Allows the policyholder to increase the sum assured on marriage and childbirth (up to 2 children), subject to limits within 6 months of the event.
Smart Exit Benefit: Allows the policyholder to exit the policy after the 30th policy year (but not within the last 5 years) and receive a refund of total premiums paid, subject to conditions.
Plan Options and Rider Coverage Details
The HDFC Click 2 Protect Super plan benefits were offered across three core options: Life, Life Plus, and Life Goal.
Option
Description
Life
Under this option, the life assured is covered for a death benefit during the policy term, which can be accelerated in the case of diagnosis of terminal illness.
Life Plus
Under this option, the life assured is covered for a death benefit, which can be accelerated in the case of diagnosis of terminal illness. An additional amount will be payable in case of accidental death during the policy term.
Life Goal
Under this option, the sum assured payable on death would vary with the policy year, in accordance with the ‘level cover period’ and ‘amortization rate’ as chosen by the policyholder.
Meanwhile, here is a list of riders offered by the HDFC Click 2 Protect Super plan:
Income Benefit on Accidental Disability Rider: Gives monthly income support if the life assured suffers accidental total permanent disability. The payout is 1% of the rider's sum assured every month for the next 10 years.
Critical Illness Plus Rider: Pays a lump sum equal to the rider sum assured if the life assured is diagnosed with any of the 19 covered critical illnesses. The payout is subject to a 30-day survival period after diagnosis.
Health Plus Rider: Pays a lump sum if the insured is diagnosed with any of the 60 covered critical illnesses. It may also pay a proportionate benefit for early-stage or major cancer, depending on the option chosen.
Protect Plus Rider: Provides additional protection depending on the option chosen: personal accident cover, accidental death cover, or cancer cover. A benefit is payable as a proportion of the rider sum assured in case of accidental death, partial/total disability due to accident, or cancer diagnosis, depending on the selected option.
LiveWell Rider: Provides a lump sum benefit depending on the selected option, such as death, terminal illness, accidental death, hospitalization, disability due to accident, or listed surgery. It may also waive future premiums after death or terminal illness of the life assured, depending on the plan option chosen.
Is The HDFC Life Click 2 Protect Super Plan Worth It?
HDFC Life Click 2 Protect Super was widely considered one of the best term insurance plans in India for several years. With three variants, it catered to the diverse needs of policyholders.
The plan stood out for its flexible cover structures, strong waiver-of-premium riders, and features like life-stage cover increases, which allowed policyholders to increase their coverage after key milestones such as marriage or childbirth.
However, newer plans in the market began offering more advanced features such as premium breaks, enhanced riders, and broader coverage structures. As a result, HDFC Life eventually withdrew the Click 2 Protect Super plan.
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HDFC Life Click 2 Protect Super was a feature-rich term plan backed by one of the most trusted names in Indian life insurance. Its standout features included increasing cover up to 200% of the base sum assured, an early exit option with premium refund, limited pay flexibility, and a critical illness rider covering up to 60 conditions.
HDFC Life's claim settlement ratio of 99.55% for FY 2022-25 (average) adds further confidence to the plan's reliability. However, since the plan is being discontinued, buyers should verify current availability and compare it against HDFC Life's newer offerings before applying. If you want comprehensive coverage with strong claims performance, HDFC Life Click 2 Protect Supreme Plus remains a solid choice.
Frequently Asked Questions
Is HDFC Life Click 2 Protect Super still available to buy?
No, HDFC Life Click 2 Protect Super has been discontinued and is no longer available for new purchases as of 2026. HDFC Life has replaced it with updated plans, most notably the HDFC Life Click 2 Protect Supreme Plus, which includes broader customization, enhanced riders, and more modern features. If you are an existing Click 2 Protect Super policyholder, your coverage remains active and unaffected. At Ditto, we recommend evaluating Click 2 Protect Supreme Plus as the closest current alternative from HDFC Life for anyone looking for a comprehensive term plan from the same insurer.
What were the plan options available under HDFC Life Click 2 Protect Super?
HDFC Life Click 2 Protect Super offered three plan options. The Life option provided a death benefit with terminal illness acceleration. The Life Plus option added an accidental death benefit to the base cover. The Life Goal option allowed the sum assured to vary across the policy term based on the policyholder's chosen amortization rate and level cover period, making it useful for borrowers with reducing loan liabilities. Each option could be further customized with riders and premium payment structures. The plan allowed entry from age 18 to 65, with coverage extendable up to age 85.
What is the claim settlement ratio of HDFC Life Insurance?
HDFC Life has one of the strongest claim settlement records among private life insurers in India. The insurer posted a claim settlement ratio of 99.71% for FY 2024-25, and its three-year average CSR for FY 2022-25 stands at 99.55%. The complaint volume is just 1.33 per 10,000 claims, which is significantly lower than most peers. At Ditto, we factor in CSR, amount settlement ratio, and complaints per claim when evaluating term plans, and HDFC Life consistently ranks among the top performers on all three metrics.
What riders did HDFC Life Click 2 Protect Super offer?
HDFC Life Click 2 Protect Super offered several riders to expand base coverage. The Critical Illness Plus rider covered 19 listed critical illnesses, with a lump-sum payout upon diagnosis and at 30 days of survival. The Income Benefit on the Accidental Disability rider paid 1% of the rider sum assured every month for 10 years on accidental total permanent disability. You also get other relevant rider options that vary across the three variants, such as Protect Plus, Health Plus, and LiveWell, with the same plan.
Why was HDFC Life Click 2 Protect Super discontinued?
HDFC Life Click 2 Protect Super was discontinued because newer plans in the market offered more advanced features that the plan could not keep pace with. These include premium break options, instant payout on claims, health management services, and more refined payout structures. HDFC Life has evolved its product portfolio, replacing Click 2 Protect Super with Click 2 Protect Supreme, and then Click 2 Protect Supreme Plus, both of which offer updated features and greater flexibility. This is a common practice in the insurance industry as insurers retire older products in favor of newer, more competitive versions.
What was the terminal illness benefit under HDFC Life Click 2 Protect Super?
The terminal illness benefit allowed the death benefit to be accelerated and paid out in advance if the life assured was diagnosed with a covered terminal illness. This benefit was available under both the Life and Life Plus plan options, and applied up to age 80 of the life assured. The accelerated payout was capped at ₹2 crore. A life assured is considered terminally ill if two independent specialists confirm that the condition is likely to cause death within 6 months.
What is the difference between HDFC Life Click 2 Protect Super and Click 2 Protect Supreme Plus?
HDFC Life Click 2 Protect Super and Click 2 Protect Supreme Plus are both non-linked term insurance plans. However, Supreme Plus is the newer and more comprehensive offering. It comes with several enhanced in-built features, including auto cover continuance, instant claim payout support, terminal illness benefit, health management services, upgraded life-stage benefits, and wider rider customization options. In comparison, Click 2 Protect Super had relatively limited in-built features and rider flexibility, making it less competitive with newer-generation term plans. As a result, it was eventually replaced by HDFC Life’s upgraded offerings.
What was the return of premium (ROP) option in HDFC Life Click 2 Protect Super?
Under the Life Plus Option of HDFC Life Click 2 Protect Super, policyholders could opt for a Return of Premium feature. If the life assured survived to the end of the policy term with this option selected, 100% of the total premiums paid was refunded as a lump-sum maturity benefit. This excluded taxes and extra premiums, which are standard across all ROP plans in India. At Ditto, we generally do not recommend return of premium plans because they cost significantly more (around 80-100%) than pure term plans, and the extra premium is better invested separately for higher long-term returns.
Can I still make a claim on my HDFC Life Click 2 Protect Super policy?
Yes, if you are an existing HDFC Life Click 2 Protect Super policyholder, your policy remains fully in force, and your coverage is unaffected by the plan's discontinuation. The discontinuation applies only to new purchases and does not affect existing contracts. Your nominees can still file a death claim, and you retain all the benefits, riders, and features you opted for at the time of purchase. HDFC Life's claims team remains responsible for processing all valid claims. If you have questions about your existing policy, at Ditto, we offer free support to help you understand your coverage and claim process.
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