HDFC Life C2P Supreme Plus Review

The HDFC C2P Supreme Plus Plan is a non-linked, non-participating, individual, pure risk term insurance plan launched in January 2026. We’ve analyzed its brochure, policy wordings, and pricing to break down the offerings, optional riders available, and competitiveness. This detailed HDFC C2P Supreme Plus review will help you decide if this plan is the right fit for your needs.

Overview of HDFC Life Click2Protect Supreme Plus

HDFC C2P Protect Supreme Plus is a flexible, feature-rich term insurance plan designed to adapt to changing life needs with enhanced features and benefits. It has three broad variants:

• Life: Core term plan with in-built accelerated terminal illness cover and additional options like:
  • Level Cover
  • Increasing cover by 10% every 5 years up to 200%
  • Increasing cover by 5% every subsequent year up to 200%
• Life Plus: Provides life cover plus an extra accidental death layer. 
• Life Goal: Goal-style reducing structure (used for decreasing cover needs like loans and liabilities).

Key Features of HDFC Life C2P Supreme Plus 

HDFC Life Click 2 Protect Supreme Plus offers several inbuilt features for policyholders. These include:

• Terminal Illness Benefit: If someone is diagnosed with a terminal illness before age 80 (not applicable above that), up to ₹2 crore will be paid immediately from the sum assured, once the diagnosis is confirmed by specialists. 
• Zero Cost (Smart Exit Benefit): This zero-cost exit option is available for those who have completed 25 policy years but not allowed in the last 5 years. Minimum policy term is of 31 years (not available with ROP or life goal variant). 
• Premium Break Benefit: This option becomes available after you complete 5 policy years. It lets you take a 1-year premium break (deferment) while keeping full cover active. You must request it in writing, at least 30 days before the policy anniversary (or 15 days before, if you pay monthly). 
  
  You can use it multiple times, but only with a 5-year gap between breaks, and it is not allowed in the last policy year. The deferred premium must be paid in the next policy year along with that year’s premium.
• Premium Break Benefit for Women: After completing 2 policy years, female policyholders can defer premiums for up to 12 months in case of pregnancy or the death of a spouse, while keeping the cover active, as long as all prior premiums were paid and the policy is in force. For pregnancy, it can be exercised anytime during pregnancy or within 6 months of delivery. 
  
  In case of a spouse's death, it must be exercised within 6 months from the date of death. This benefit can be used multiple times, but there must be at least a 2-year gap between two premium break periods, and all other terms remain the same as the standard premium break option.
• Instant Payout on Claim Intimation: Nominees can receive an accelerated payout within 1 working day of registering a death claim, after submitting the required documents. A 1-year waiting period applies. The balance amount is paid once the claim is fully approved, and if the claim is rejected, the insurer will recover the advance from the nominees. 
  
  If death occurs during a premium break, any deferred premium will be deducted from the payout. The instant amount is ₹2 lakh for sum assured between ₹1 crore and under ₹2 crore, and ₹5 lakh for sum assured of ₹2 crore and above. This feature is not available for sum assured below ₹1 crore.
• Wellness Benefits: You get tele-consultations, dieticians, mental health counselling, preventive health checkup, and cancer screening vouchers with HDFC C2P Supreme Plus. 
• Renewability at Maturity: At maturity, the policyholder can choose to extend the policy term, up to a maximum of five extensions, subject to underwriting. Additional premiums will apply, based on the policyholder’s age at the time of maturity and the length of the extended term.
  
  The renewability option is available only if: 
• The premium payment term is Regular Pay. 
• No additional riders (ROP, WOP CI, WOP Disability, Spouse Cover) have been selected. 
• Life Option (Variant A) or Life Plus Option has been chosen.

Optional Riders Available with HDFC Life C2P Supreme Plus

• Critical Illness rider (Health Plus): Covers 60 illnesses, for a maximum tenure of 15 years, with 90 day waiting period and 15 days survival period post diagnosis.
• Waiver of Premium: This must-have rider is applicable on the same 60 critical illnesses, which also includes disabilities, given for the entire premium payment term. It waives off the premium payment obligation at a time when you might already be financially stretched.
• Accidental Income Benefit: This cost-effective rider promises to pay 1% of the sum assured per month as income for the next 10 years in the event of a total and permanent disability due to an accident. For e.g., if you choose ₹1 crore as the sum assured for this rider, you get ₹1 lakh per month for the next 120 months (10 years) upon disability diagnosis. 
• Waiver of Premium on Accidental Death of Husband: If the husband of the female life assured dies due to an accident, premiums are waived for the life assured and the policy continues as normal. This benefit is available only for married women and can be added only at policy inception. 
  
  The husband’s age and occupation are captured at the time of opting in, and it is available only for non single-pay premium payment terms. If the husband’s occupation is hazardous, the benefit will not be issued. If the Smart Exit option is exercised, premiums paid for this benefit are returned.
• Livewell Rider: You get several options with this rider, including accidental death, personal accident cover, policy continuance, daily hospitalization cash and surgical care (availability varies by base option). 
• Return of Premium: This add-on benefit gives back 100% of total premiums paid (excluding rider costs and GST) as a lump sum if the policyholder survives till the end of the policy term. The return of premium rider can only be opted at the start and is available under specific policy terms and premium paying combinations. However, this rider is not recommended because the premiums for ROP are 80–100% higher than standard plans. It’s more cost-effective to go for a regular term plan and invest the difference separately. 
• Education Income Benefit: On the death of the life assured, an annual payout is made to the beneficiary child (or the appointee if the child is a minor). The total payout is 10% of the base sum assured, capped at ₹10 lakh, and is paid in equal annual instalments. Payments start from the policy anniversary following the death of the life assured and continue until the end of the policy term or until the child turns 25, whichever is earlier. If the child is 18 or older, they can request the remaining payouts as a one-time lump sum at any point.
• Parent Protect Care: This rider pays the death benefit as a mix of lump sum and regular income, with the split ratio chosen at policy inception. The regular income payout can be nominated only to parents or grandparents, while the lump sum can be paid to any person with an insurable interest. The regular income stops on the nominee’s death. To opt for this, the nominee’s minimum entry age must be 50 years, at least 20% of the benefit must be chosen as a regular payout, and the policy term must be between 15 and 40 years.
• Spouse Cover Option: It provides an additional death benefit (up to 50% of the base sum assured) to the spouse for the remaining policy term, starting only after the life assured’s death. This is over and above the main death benefit, and any future premiums are waived off. However, if the spouse passes away before the life assured, the cover ends with no payout. This option can only be selected at policy inception, is not available with the Life Goal option, requires the couple to be married with an age gap of 10 years or less, and once chosen, cannot be opted out of. 

Note: Given the conditions and limitations, we do not actively recommend the spouse cover option. If both spouses earn, it is usually simpler and more cost-effective for each person to buy a separate term plan, since it keeps the covers independent and often improves overall tax and premium efficiency. If the female applicant is a housewife, HDFC Life also allows a housewife application for this plan (subject to underwriting), where a separate policy is issued instead of relying on spouse cover.

Premiums of Ditto’s Recommendations vs HDFC Life C2P Supreme Plus Review

Coverage till age 70, premiums for a non-smoker profile, male, without first year discounts (2nd year premiums), residing in Delhi - 110010.

The premiums for HDFC C2P Supreme Plus are dynamic and can vary depending on profile. It can differ based on factors like pincode, occupation(salaried/self-employed), income, and education.

Things to Keep in Mind When Considering HDFC Life C2P Supreme Plus

If you already have HDFC Life Click 2 Protect Supreme or any other term plan from HDFC for that matter, you will continue on the same plan because term insurance premiums are fixed for the chosen policy term and there is no portability or migration to a newer version.

If you want to increase your cover or you are buying term insurance for the first time, you can consider HDFC Life Click 2 Protect Supreme Plus as a fresh purchase, based on your needs and eligibility.

Do I Get Any Discounts With HDFC Life C2P Supreme Plus?

Discounts may be available based on your profile and the sales channel, and they are typically applied to the first-year premium unless stated otherwise. As per the details shared: 

• There is an all-customer discount of 10% in the first year for Limited Pay and Regular Pay policies, and 3% for Single Pay. 
• An online discount of 5% may apply in the first year. 
• For a sum assured of ₹10 crore and above, a higher discount applies at 7.5% for the ROP variant and 5% for the non-ROP variant. 
• HDFC Group employees may get up to 2% off in the first year. Existing customers may get 2% off in the first year for Limited Pay and Regular Pay, and 1% for Single Pay. 
• HDFC Life employees and their spouses may receive a 20% discount across the entire premium payment term. 

Since discount eligibility and availability can change, confirm the exact discounts applicable to you with the insurer or your agent at the time of purchase.

These metrics indicate that HDFC Life consistently delivers strong claim settlement performance, maintains healthy solvency levels, and minimal complaint volumes.

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HDFC Life C2P Supreme Plus Review (Ditto’s Take) 

HDFC Life Click 2 Protect Supreme Plus comes from a large, established Indian insurer with strong operational scale, but it is priced higher than many competing term plans. That said, the plan offers good flexibility through multiple customization options, and for many buyers the higher premium can feel justified by the combination of feature depth, long-term stability, insurer reputation, and dependable claims support. With this plan, HDFC Life is focusing on flexibility, continuity, and a family first design. 

So, if you are looking for comprehensive coverage in term insurance and customized features that suit your requirements, HDFC C2P Supreme Plus is the good option.