Overview of Click 2 Protect Super
HDFC Click 2 Protect Super was a popular term insurance plan offering three core plan options: Life, Life Plus, and Life Goal. The policy allowed buyers to tailor their life cover based on personal lifestyle, financial goals, and future milestones. It also offered features such as terminal illness benefit, waiver of premium on disability or critical illness, life stage cover upgrades, and optional riders for critical illness and accidental benefits. The plan appealed especially to individuals who sought long-term financial security through a trusted insurer, valuing customisation and a seamless digital experience with online issuance and hassle-free claims. However, HDFC Life has withdrawn Click 2 Protect Super for new purchases, replacing it with newer offerings such as Click 2 Protect Supreme Plus that include updated features and broader customization.
Experts' Review of Click 2 Protect Super
Written by Monish Vora
Chief Editor
HDFC Life Click 2 Protect Super was widely considered one of the strongest term insurance plans in India for many years. With three variants, Life (pure term cover with terminal illness), Life Plus (adds accidental death), and Life Goal (decreasing cover for long-term liabilities), it catered to diverse needs. Its eligibility covered ages 18–65, with coverage up to 85 years, and sum assured starting at ₹10 lakh, with no upper limit subject to underwriting.
The plan stood out for its flexible cover structures, strong waiver of premium riders, and features like Life Stage Cover Increase, which allowed policyholders to raise their cover after key milestones such as marriage or childbirth without fresh underwriting.
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 Click 2 Protect Super and replaced it with updated products like Click 2 Protect Supreme Plus, which provides improved flexibility and additional benefits.
Pros
It is a feature-rich plan with a critical illness and waiver of premium rider
HDFC Life has a solid track record with a good CSR, minimal complaints, and high business volumes.
The plan offers three variants and an increasing cover option that adjusts coverage with inflation.
Cons
The plan lacks features such as cover continuance and instant claim payout available with other insurers.
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 Super
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 Super extends this option.
Waiver of Premium
Some policies waive all future premium payments if you are ever disabled (due to accident) or diagnosed with a critical illness. Click 2 Protect Super extends the waiver-of-premium option in both cases.
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 Super 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 cover 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 Super extends this option.
Add-ons of Click 2 Protect Super
Health Plus Rider
Includes critical illness cover and cancer cover.
LiveWell Rider
Provides multifaceted protection like- accidental death, total and partial permanent disability, wellness program benefits and certain additional benefits
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 Super
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 Super
Life
Under this option, the life assured is provided with a death benefit coverage throughout the policy term, which may be paid out earlier upon the diagnosis of a terminal illness.
Life Plus
Under this option, the life assured is covered for a death benefit, which may be paid earlier upon the diagnosis of a terminal illness. Additionally, an extra amount will be payable if death occurs due to an accident during the policy term.
Life Goal
Under this option, the sum assured payable upon death will vary depending on the policy year, based on the ‘Level Cover Period’ (initial policy year(s) during which llife cover would remain level) and ‘Amortisation Rate’ ( rate at which life cover would reduce post the Level Cover Period) selected by the policyholder.
What's missing in Click 2 Protect Super
No Cover Continuance Benefit
No Insta Payout Benefit
Reviews for Click 2 Protect Super
G
Gagan Nayak
Picked this plan payout choice lump sum or income feel practical and terminal illness cover adds real peace of mind Overall happy Works wel quite
B
Bhuvan G. Chandra
Took ClickProtect Super terminal illness cover adds real peace of mind and payout choice lump sum or income feels practical Good value helps
A
Aarav Mishra
Opted for this plan discounts for salaried non smoker made it cheaper and premium break exit feature is genuinely helpful Worth it No stress
A
Arjun J. Varma
Signed up for this plan online process was quick and paperless but premium is a bit higher on some options Still decent Honestly Honestly helps
D
Devansh Kohli
Went with ClickProtect Super terminal illness cover adds peace of mind and discounts for salaried non smoker made it cheaper Feels reliable
Frequently Asked Questions
What is the HDFC Life Click 2 Protect Super Plan?
What are the key benefits of the HDFC Life Click 2 Protect Super Plan?
What are the various riders customers can opt for with the HDFC Life Click 2 Protect Super Plan?
TALK TO OUR ADVISORS
Get real help from advisors who listen, guide and go the extra mile for you.