Overview of Click 2 Protect Elite Plus
HDFC Life Click 2 Protect Elite Plus is a high-coverage term insurance plan that blends strong protection with premium flexibility. It offers options like Smart Exit, Premium Break, Return of Premium, and a quick INR 5 lakh immediate payout upon claim intimation. With a coverage term up to 40 years (or age 85, whichever is lower), this plan is designed for those who want to safeguard their family’s future while retaining some liquidity and control over their financial roadmap. Its premium structure supports regular and limited pay options. The Insurer has discontinued this plan for fresh purchase, and replaced it with the upgraded HDFC Life Click 2 Protect Elite Pro
Experts' Review of Click 2 Protect Elite Plus
Written by Monish Vora
Chief Editor
HDFC Life’s Click 2 Protect Elite Plus is a premium term insurance plan designed for financially savvy salaried individuals aged 18-45 with incomes above ₹10 LPA, offering coverage from ₹2 to 5 crore. It offers a Return of Premium(ROP) option refunding all premiums on survival and a Smart Exit benefit that refunds premiums after 25 years (not with ROP). The Premium Break lets policyholders defer payments up to 12 months after five continuous years without penalty, keeping coverage intact. An Immediate Claim Payout of ₹5 lakh is also available within one day for policies above ₹2 crore.
While most features must be chosen at inception (a standard industry practice), the plan has notable limitations. It lacks a Waiver of Premium rider, and entry age, coverage, and term restrictions may not suit everyone. It also excludes terminal illness, life stage, housewife, joint life covers, and increasing/decreasing sum assured options. However, critical illness and disability income riders are comparable to other HDFC plans.
With attractive first-year discounts (7% salaried, up to 10% for high sum assured) and competitive premiums versus Click 2 Protect Supreme Plus, it’s recommended for those comfortable without certain benefits, pending clarity on WOP rider and tenure.
Pros
While not groundbreaking, the features meet the basic requirements. It includes a critical illness rider.
HDFC Life has a solid track record with a good CSR, minimal complaints, and high business volumes.
Offers a premium break that defers payments without penalties and instant claim payout within one working day.
Cons
Premiums are relatively high compared to other term plans.
The plan lacks terminal illness and cover increase options and is limited to high-income individuals with restricted coverage.
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 Elite 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 Elite Plus 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 Plus extends critical illness benefit without too many restrictions and pays up to 1.5 Crores so long as you are diagnosed with one of the 60 illnesses listed in the policy brochure.
Customisable
Includes comprehensive critical illness and cancer cover for a period of 15 years.
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 Plus 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 Plus offers accidental death benefit nonetheless.
Add-ons of Click 2 Protect Elite Plus
Health Plus Rider
Recommended
Includes comprehensive critical illness and cancer cover for a period of 15 years.
LiveWell Rider
Provides multifaceted protection like- accidental death, total and partial permanent disability, wellness program benefits and certain additional benefits
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 Plus does not extend the terminal illness benefit.
Exclusions in Click 2 Protect Elite 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.
What's missing in Click 2 Protect Elite Plus
No Top-Up Option
No Waiver of Premium
No option to increase your cover with inflation
No option to decrease your cover over time
No option to increase cover at life milestones
Reviews for Click 2 Protect Elite Plus
L
Lakshmi A. Kulkarni
Signed up for ClickProtect Elite payout choice lump sum or income feels practical and premium break exit feature is helpful Overall happy quite
K
Kritika Khanna
Took ClickProtect Elite premium break wali feature kaafi kaam aayi and income payout option se ghar ka cashflow set Good value Works well felt
V
Vibha I. Mishra
Picked this plan premium break exit feature is genuinely helpful and payout choice lump sum or income feels practical Good value Works well felt
H
Himanshu J. Shetty
Went with ClickProtect Elite payout choice lump sum or income feels practical but coverage age limit feels slightly low Not bad overall for
A
Anup Sinha
Took ClickProtect Elite income payout option se ghar ka cashflow set and premium break wali feature kaafi kaam aayi Feels reliable Honestly
Frequently Asked Questions
What is the HDFC Life Click 2 Protect Elite Plus Plan?
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