Overview of Click 2 Protect Supreme
HDFC Life Click 2 Protect Supreme is a comprehensive term insurance plan designed to provide financial security with flexible protection options. It offers three plan variants: Life, Life Plus, and Life Goal, each catering to a specific need. The plan also includes innovative features such as Parent Protect Care for dependent parents, premium break benefit, and wellness services through the Life Rewards app. With a claim settlement ratio of 99.71 percent for FY 2024–25, this plan stands out for those seeking customisation along with long-term financial security. However, HDFC has since introduced Click 2 Protect Supreme Plus, an updated version of this plan with additional features and enhancements. While Click 2 Protect Supreme may still appear in some comparisons or legacy listings, new buyers are typically offered the newer Supreme Plus variant.
Experts' Review of Click 2 Protect Supreme
Written by Monish Vora
Chief Editor
HDFC Life Click 2 Protect Supreme was built for people who wanted more than standard term cover. The Life Option offers basic protection with an accelerated benefit for terminal illness up to two crore rupees. Life Plus adds an equal accidental death benefit, which effectively doubles the payout if death occurs due to an accident. Life Goal is useful for those with home loans or financial liabilities, as it allows the cover to decrease over time after an initial fixed period, based on an amortisation rate chosen by the policyholder.
This plan also offers several features that go beyond the usual. Policyholders could increase their life cover by up to 200 percent during the term and choose Return of Premium for maturity benefits. Other options include adding a spouse under the same plan, premium breaks after five years, and a unique Parent Protect Care benefit that provides structured payouts to dependent parents. Riders like waiver of premium on critical illness and disability further strengthen protection. Entry age ranges from 18 to 65 years, and coverage can last until 85 years. There is no maximum limit on the sum assured, subject to underwriting.
That said, HDFC Life has since expanded the product into Click 2 Protect Supreme Plus, which builds on this foundation with additional features and rider options.
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.
Offers life stage cover enhancement and payout on terminal illness.
Cons
Premiums are relatively high compared to other term plans.
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
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 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 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 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 extends this option.
Add-ons of Click 2 Protect Supreme
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.
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.
LiveWell Rider
Provides multifaceted protection like- accidental death, total and partial permanent disability, wellness program benefits and certain additional benefits
Exclusions in Click 2 Protect Supreme
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
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.
Frequently Asked Questions
1. What is the HDFC Life Click2Protect Supreme Plan?
2. What are the key benefits of the HDFC Life Click2Protect Supreme Plan?
3. What payout options are available under the HDFC Life Click2Protect Supreme Plan?
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