Overview of Click 2 Protect Elite Pro
HDFC Life Click 2 Protect Elite Pro is a term plan for buyers seeking high life cover with attractive discounts and a few useful policy-level benefits. The plan is available from ages 18 to 65, with coverage extending up to age 85. It includes an accelerated terminal illness benefit, a ₹5 lakh immediate payout on claim intimation once the applicable waiting period is completed, Premium Break, Smart Exit, and an optional spouse cover. However, the plan does not currently offer a Waiver of Premium option or housewife coverage, which makes it less comprehensive than the flagship HDFC Life Click 2 Protect Supreme Plus.
Experts' Review of Click 2 Protect Elite Pro
Written by Monish Vora
Chief Editor
HDFC Life Click 2 Protect Elite Pro has a strong set of core features. It offers an accelerated terminal illness benefit of up to ₹2 crore, an immediate ₹5 lakh payout after the first policy year to help nominees manage urgent expenses during a claim, a Premium deferment facility, Smart Exit, and the option to add spouse cover. The plan also supports add-ons such as critical illness cover for 60 illnesses and income protection following accidental disability.
The main point to consider is the absence of a standard Waiver of Premium (WOP) option. If you develop a covered critical illness or suffer a disability that affects your ability to earn, you would still need to continue paying your term insurance premiums to keep the policy active. Elite Pro also does not currently offer the women-specific waiver of future premiums following the accidental death of the husband.
Elite Pro does have a women-specific Premium Break benefit, but this works differently from a waiver. After completing two policy years, eligible female policyholders can defer premiums for up to 12 months during pregnancy or after the death of a spouse. These premiums are postponed, not waived, and have to be paid later.
Eligibility is another consideration. Elite Pro does not currently cater to homemaker profiles. For NRIs, the issuance journey is also less convenient since full medicals are mandatory.
Finally, we would factor in product stability. Elite Pro is relatively new, and its feature set can be changed. So while Elite Pro has a reasonably strong base feature set and high cover premium discounts, HDFC Life Click 2 Protect Supreme Plus remains our preferred option for most eligible buyers. It offers a more comprehensive waiver-of-premium proposition, caters to homemaker profiles, and has a more stable and flexible feature set.
Pros
While not groundbreaking, the features meet the basic requirements. It includes a critical illness rider.
HDFC Life has a solid track record with a good CSR, minimal complaints, and high business volumes.
Offers a terminal illness rider.
Cons
The plans lacks a waiver of premium rider.
The plan does not offer any coverage for homemakers, missing a key protection need for many families.
HDFC Life
Key Insights
Founded
2000
HDFC Life was established 26 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
99.66% CSR, calculated as a 3-year average
HDFC Life settles 99.66% of all claims it receives demonstrating strong credibility.
Complaints
1 complaints per 10,000 claims registered
HDFC Life maintains a low volume of complaints, reflecting strong customer satisfaction and effective service.
Amount Settled
96.72% of total claim amount settled
HDFC Life demonstrates excellent claim payout efficiency, settling over 96.72% of the total claim amount filed, reflecting strong financial reliability.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Features of Click 2 Protect Elite Pro
LiveWell Rider
Standout
Provides multifaceted protection like- accidental death, total and partial permanent disability, wellness program benefits and certain additional benefits
Zero Cost Option
Some insurers will return all your premiums if you forego your policy before maturity, during a period specified by the insurer. Meaning you get all your premiums back, while also being protected under the term plan during this time. And Click 2 Protect Elite Pro extends this option.
Critical Illness
If you're ever diagnosed with a critical illness, you would want your insurance policy to pay a fixed sum that can help you deal with any monetary obligations and financially support your needs during treatment. Click 2 Protect Elite Pro extends critical illness benefit without too many restrictions and pays up to ₹1.5 Cr so long as you are diagnosed with one of the 60 illnesses listed in the policy brochure.
Customisable
Includes critical illness and cancer cover.
Special Exit Value
Some insurance companies will return all your premiums if you surrender your policy before maturity, but this can only be possible if you have a policy tenure above a certain number of years and maintain consistent renewals for a minimum period specified by the insurer. This means you get all your premiums back, while being protected under the term plan during this time. Click 2 Protect Elite Pro extends this option.
Terminal Illness
Certain policies will disburse the entire cover amount the moment you are diagnosed with a terminal illness. So you can still get the money when alive and use it any way you wish. Click 2 Protect Elite Pro gives you the option to receive the entire or a percentage of sum assured upon diagnosis of a terminal illness.
Add-ons of Click 2 Protect Elite Pro
Livewell Rider
Provides multifaceted protection like- accidental death, total and partial permanent disability, wellness program benefits and certain additional benefits
Health Plus Rider
Includes critical illness and cancer cover.
Education Income Benefit
This benefit pays a regular annual payout to the child in case of the life assured’s demise, continuing until the policy term ends or the child turns 25, whichever is earlier.
Accidental Income Benefit
This is a disability benefit which offers financial support in the form of monthly payouts if the policyholder suffers an accidental total and permanent disability.
Exclusions in Click 2 Protect Elite Pro
Conditions or treatments that the policy clearly says it will not cover.
Death by suicide within the first policy year is not covered.
Deaths arising from participation in criminal or unlawful activities are excluded.
If the nominee is found responsible for the insured’s death, the claim will not be payable.
If a death claim is proven to be fraudulent, the insurer will not pay out the benefit.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
What's missing in Click 2 Protect Elite Pro
No Waiver of Premium
No option to increase your cover with inflation
No option to decrease your cover over time
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