How To Buy HDFC Click 2 Protect Plus & Calculate Premium Online

Are you planning to buy HDFC Click 2 Protect Plus online term insurance plan? Do you know all key features of HDFC Click 2 Protect Plus plan? In this article I will share everything about this term insurance plan from HDFC life with how to buy online guide & how to calculate premium with detailed HDFC Click 2 Protect Plus review.

First of all let me tell you that, HDFC Click 2 Protect Plus is a different type of term plan. Because this is a kind of term insurance where you will get income option which is a great feature. Generally most term plans only provide life coverage with any other benefits. But this plan will surely attract customer with the additional benefits compared to other online term insurance plans in India. Let’s discuss more about HDFC Click 2 Protect Plus online term plan in India.

Eligibility of HDFC Click 2 Protect Plus Plan

You can buy this policy and get life covered till 75 years of age. Also get discount on premium if you are non-tobacco user. The best part of this term plan is the increase in life protection without paying any extra premium when you get married, when get your first & second kid. Let’s read the eligibility of this term plan with extra benefits.

Minimum – Maximum entry Age18 – 65 years
Minimum – Maximum Maturity Age28 – 75 years
Minimum – Maximum Policy Term10 – 40 years
Premium Paying TermRegular, Limited or Single
Premium Paying FrequenciesAnnual, Half- yearly, quarterly or monthly
Minimum – Maximum Sum AssuredRs 50 Lakhs – No limit subject to satisfactory underwriting

Want to get a life insurance cover of Rs 1 crore, then just pay Rs 535 per month considering idle conditions. Before proceeding further, just want to add that HDFC life has a good claim settlement ratio of 90.5%.

Key Highlights of HDFC Click 2 Protect Plus Plan

Before proceeding further with the how to buy guide and calculate premium amount, here is the few key features of HDFC Click 2 Protect Plus plan.

Life Option or Death Benefits

Like every term plan, your nominee will get lumpsum amount as per the policy clause in case of unfortunate death. Generally the death benefit amount will be 125% of Single premium paid, in case of single premium payment options. And for other cases, it is around 10 times of the premium (OR) 105% of all the premiums paid as on death (OR) Sum Assured.

Extra Life Option (Accidental Death Benefit)

In case of death happened due to accident, then your nominee will get lumpsum benefits and also some extra benefits as death happened due to accident.

Income Option & Income Option Plus

Now this is the key feature of HDFC Click 2 Protect Plus plan for which this plan is one of the best term plan in India. Under this clause, one will get a portion of sum assured value as payout in case of sudden death and remaining amount will be paid in next 15 years as monthly income. You will consider this a kind of pension amount that you can get for next 15 years duration.

And under the HDFC Click 2 Protect Plus Income Plus option, the tenure will reduced to 10 years and one can increase the monthly income benefit by 10% every year after getting the death benefit lumpsum amount.

To understand more about HDFC Click 2 Protect Plus policy with various examples, please visit the official website of HDFC Click 2 Protect Plus.

How To Use HDFC Click 2 Protect Plus online Calculator and Buy Policy Online

First of all click here to launch the hdfc click 2 protect plus premium calculator. This is a very nice and easy to use calculator. You can easily discover various tabs like Life Cover, Extra Life, Income Option, Income Plus. Choose the one you want to continue.

  • By default the the sum assured value will be selected as 1 crore and policy term 30 years. You can easily change  these parameters and look for higher sum assured value as per your need.
  • Fill up the form below with all your personal details accurately. Don’t do any mistake as this can cancel your insurance claim in future.
  • As per the data provided, a quotation will be generated where you will find all the details of premiums like how much service tax, single premium or yearly premium etc.
  • If you are ok with every details, continue further to pay your premium by using debit card or credit card or using net banking facility.
  • After successful payment, you will get a mail with all necessary documents. Not only that, HDFC life representative will contact you to assist further if required.
  • You have the option of returning the policy to us stating the reasons thereof, within 15 days from the date of receipt of the policy. The free-look period for policies purchased through distance marketing/Online (specified below) will be 30 days.

Should I Buy HDFC Click 2 Protect Plus Term Plan Online?

buying a term plan is always depending on your requirement. You can check out the claim settlement ratio of the insurance companies here and from that this is clear that HDFC Life is a good company compared to others if you leave LIC of India aside. There might be cheap term plans compared to HDFC Click 2 protect plus, but you should consider every factor to choose this as best term plan in your case.

Hope you find this small guide to buy HDFC Click 2 Protect Plus plan online. You can also share your experience about HDFC life and buying this policy online by writing a simple comment below.

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