Overview of Click 2 Protect Plus
HDFC Life Click 2 Protect Plus was a pure term insurance plan that focused on flexible payout structures and life-stage based coverage increases. It allowed policyholders to choose how the death benefit is paid to their nominee, either as a lump sum, income, or a mix of both. The plan also included a Life Stage Protection feature that let policyholders increase their cover during key milestones such as marriage or childbirth without additional underwriting. Entry age was up to 65 years with coverage extending up to 85 years, with regular, limited, or single premium payment options.
Experts' Review of Click 2 Protect Plus
Written by Monish Vora
Chief Editor
Click 2 Protect Plus builds on HDFC Life’s earlier Click 2 Protect plan by adding more payout flexibility and coverage customisation. It had a choice of four benefit structures: a lump-sum payout, a lump sum with additional accidental death benefit, a mix of lump sum and monthly income over 15 years, or a lump sum plus income for 10 years.
A notable feature was Life Stage Protection, which allowed the sum assured to increase during major life events such as marriage or the birth of children. This helped policyholders scale coverage as responsibilities grow without undergoing fresh medical underwriting.
Pros
HDFC Life has a solid track record with a good CSR, minimal complaints, and high business volumes.
Offers the option to increase cover at a later stage under the Life Stage Option.
Cons
The plan is not very feature rich. Lacks a wide range of features.
The plan lacks terminal illness and exit benefits, with no critical illness, premium waiver , or disability rider.
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 Plus
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 Plus offers accidental death benefit nonetheless.
Customisable
Provides an additional payout in case of death due to an accident during the policy term.
Increase Cover at Life Milestones
Some policies extend the option of increasing your total term cover when you hit life milestones, like marriage, birth of children, and home purchase. Click 2 Protect Plus offers this benefit.
Cover amount Top-up
Some policies extend the option of increasing your total term cover even after you buy the policy. And while Click 2 Protect Plus doesn't offer you a blanket option to increase your cover, it does extend the provision to increase your cover during significant life events i.e. when you get married, when you have kids etc. The feature is called life stage benefit.
Add-ons of Click 2 Protect Plus
Accidental Death benefit
Provides an additional payout in case of death due to an accident during the policy term.
Exclusions in Click 2 Protect Plus
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.
Variants of Click 2 Protect Plus
Life Option
Nominee will receive a lump sum on death.
Extra Life Option
It pays an additional lump sum on death due to an accident, on top of the base sum assured.
Income Option
It pays 10% of the Sum Assured on death, with the remaining 90% payable as monthly income over 15 years
Income Plus Option
Pays the Sum Assured to the nominee upon the death of the life assured, as well as a monthly income to the family for a period of 10 years. A monthly income equal to 0.5% of the Sum Assured becomes payable for a period of 10 years. The monthly income can be level or increasing at a simple rate of 10% p.a. on each policy anniversary
What's missing in Click 2 Protect Plus
No Zero Cost Option
No Terminal Illness Benefit
No Waiver of Premium
No option to increase your cover with inflation
No option to decrease your cover over time
No payout on disability
You can't recover your premiums after policy matures
No Critical Illness Benefit
No Cover Continuance Benefit
No Insta Payout Benefit
Frequently Asked Questions
What is the HDFC Life Click 2 Protect Plus Plan?
What are the key benefits of the HDFC Life Click 2 Protect Plus Plan?
What is the claim settlement ratio of the HDFC Life Click 2 Protect Plus Plan?
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