Overview of Click 2 Protect Supreme Plus
HDFC Life Click 2 Protect Supreme Plus is a comprehensive term insurance plan designed to provide long-term financial protection with a wide range of customization options. It is an upgraded version of the earlier Click 2 Protect Supreme plan and introduces several additional features aimed at improving flexibility for policyholders. The plan offers three variants: Life, Life Plus, and Life Goal that allows buyers to choose between level cover, increasing cover, or decreasing cover structures depending on their financial needs. The plan also introduces new benefits such as premium break options for women, waiver of premium on accidental death of the husband (for female policyholders), child education income benefits, and enhanced life stage cover increases. Alongside these, policyholders also get features such as Smart Exit (zero cost exit), instant claim payout support, and wellness benefits through HDFC Life Rewards App. With an average claim settlement ratio of around 99.55 percent for FY2022-25, and strong operational metrics, the plan is positioned as a feature-rich option for those seeking long-term protection with flexibility.
Experts' Review of Click 2 Protect Supreme Plus
Written by Monish Vora
Chief Editor
HDFC Life Click 2 Protect Supreme Plus is built for people who want more than just a basic term insurance plan.
The Life option offers pure life cover along with an accelerated terminal illness benefit of up to two crore rupees. Within this option, policyholders can choose between level cover, increasing cover by 10 percent every five years, or increasing cover by 5 percent every year, with the cover potentially growing up to 200 percent of the base sum assured over time. Life Plus builds on this by adding an additional accidental death benefit equal to the base sum assured, which effectively doubles the payout if death occurs due to an accident. Life Goal is designed for people with liabilities such as home loans, where the cover gradually reduces over time after an initial level period.
This plan also introduces several features aimed at improving flexibility during the policy term. Policyholders can increase their cover during key life events such as marriage, childbirth, or purchasing a home (via loan) through the life stage benefit. The Smart Exit feature allows policyholders to exit the policy after 25 years and recover premiums paid under specific conditions. It also includes premium break options that allow temporary deferment of premiums while keeping the cover active, including a special premium break benefit for women during pregnancy or after the death of a spouse.
In addition, the plan offers a wide range of riders including critical illness cover for 60 illnesses, waiver of premium on critical illness or disability, accidental income benefit that provides monthly payouts after accidental disability, and optional features like education income benefit for children and spouse cover options. Entry age ranges from 18 to 65 years and coverage can continue up to 85 years, with no upper limit on the sum assured, subject to underwriting.
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
Premiums vary depending on individual profile factors.
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 Supreme Plus
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 Supreme Plus 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 Supreme Plus extends the waiver-of-premium option in both cases.
Customisable
Waiver of Premium lets the policyholder continue their term insurance coverage without paying further premiums if they typically face disability, critical illness, or terminal illness. It ensures the family remains financially protected even when the policyholder cannot make payments.
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 Supreme Plus 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 Supreme Plus extends this option.
Add-ons of Click 2 Protect Supreme Plus
Health Plus Rider
Recommended
Includes critical illness cover and cancer cover.
Waiver Of Premium
Recommended
Waiver of Premium lets the policyholder continue their term insurance coverage without paying further premiums if they typically face disability, critical illness, or terminal illness. It ensures the family remains financially protected even when the policyholder cannot make payments.
Waiver of Premium incase of Accidental Death of Husband
Exclusive benefit offered for female policyholders, where if the husband passes away due to an accident, all future premiums are waived while the policy continues as is.
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.
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.
Exclusions in Click 2 Protect Supreme 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 Supreme Plus
Life
Recommended
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.
Reviews for Click 2 Protect Supreme Plus
U
Upasana Q. Pillai
Opted for this plan terminal illness cover adds real peace of mind and rider options are solid for CI and disability Good value In short felt
S
Shivam Chandra
Took Click Protect premium break exit feature is genuinely helpful and rider options are solid for CI and disability Satisfied so far ok good
R
Rishi M. Bhatt
Signed up for Click Protect terminal illness cover adds peace of mind and rider options are solid for CI and disability Satisfied so far till
T
Tanya Jha
Took this plan terminal illness cover adds real peace of mind but premium is a bit higher on some options Overall okay Honestly In short value
S
Simran Nair
Chose this plan premium break exit feature is genuinely helpful and rider options are solid for CI and disability Worth it No stress Works we
Frequently Asked Questions
What is the HDFC Life Click 2 Protect Supreme Plus plan?
What are the key benefits of the HDFC Life Click 2 Protect Supreme Plus plan?
What riders can customers choose with the HDFC Life Click 2 Protect Supreme Plus plan?
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