Overview of Click 2 Protect Elite
HDFC Life Click 2 Protect Elite was a pure term insurance plan designed for individuals looking for high-value life cover with straightforward protection. It was a non-linked, non-participating individual risk plan that focused primarily on providing a large death benefit during the policy term. The policy pays a lump-sum benefit if the life assured passes away during the policy term. It does not offer any maturity benefit and is meant purely for financial protection.
Experts' Review of Click 2 Protect Elite
Written by Monish Vora
Chief Editor
HDFC Life Click 2 Protect Elite was a simple protection-focused term plan. Since it does not include maturity payouts or savings components, the plan was structured to provide high life cover at relatively efficient premiums.
Unlike some modern term plans that include multiple variants or complex features, Click 2 Protect Elite focuses mainly on core protection with optional riders for additional coverage such as accidental death or disability benefits.
One notable feature was the Smart Exit option. Policyholders could exit the policy after 30 years and recover the total premiums paid, provided certain conditions are met and the policy is still in force.
Pros
While not groundbreaking, the features provided meet the basic requirements.
HDFC Life has a solid track record with a good CSR, minimal complaints, and high business volumes.
Gives the option to exit the plan at a specified time and get all premiums back.
Cons
The plan lacks terminal illness, premium waiver, and cover increase options and is restricted to high-income groups.
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
99.55% CSR, calculated as a 3-year average
HDFC Life settles 99.55% of all claims it receives demonstrating strong credibility.
Complaints
1.33 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 (FY23-FY25)
Features of Click 2 Protect Elite
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 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 extends critical illness benefit without too many restrictions and pays up to so long as you are diagnosed with one of the 60 illnesses listed in the policy brochure.
Customisable
Includes critical illness coverage
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 extends this option.
Accidental Death Benefit
Some policies offer you the option of adding extra protection for accidental deaths. And while we recommend customers choose a comprehensive cover without worrying about the specifics of death, Click 2 Protect Elite offers accidental death benefit nonetheless.
Customisable
Offers additional financial protection by paying a portion of the Rider Sum Assured in case of accidental death, disability, or a cancer diagnosis.
Increasing Cover
Some policies automatically increase your cover by a certain amount (usually in line with the inflation) to always provide you with the necessary protection. Click 2 Protect Elite extends this option.
Add-ons of Click 2 Protect Elite
Protect Plus Rider
Offers additional financial protection by paying a portion of the Rider Sum Assured in case of accidental death, disability, or a cancer diagnosis.
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.
Health Plus Rider
Includes critical illness coverage
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. Unfortunately, Click 2 Protect Elite does not extend the terminal illness benefit.
Exclusions in Click 2 Protect Elite
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
No Top-Up Option
No Waiver of Premium
No option to decrease your cover over time
You can't recover your premiums after policy matures
No Cover Continuance Benefit
No option to increase cover at life milestones
No Insta Payout Benefit
Frequently Asked Questions
What is the HDFC Life Click 2 Protect Elite Plan?
What are the key benefits of the HDFC Life Click 2 Protect Elite Plan?
What riders are available with the HDFC Life Click 2 Protect Elite Plan?
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