HDFC Click 2 Protect Elite (UIN: 101N176V01)
HDFC Life Click 2 Protect Elite Insurance plan provides financial protection to your family wherein you pay for a limited duration and get covered for the whole policy term.
HDFC Life Click 2 Protect Elite is a non-linked, non-participating, individual, pure risk premium life insurance plan. Life Insurance Coverage is available in this product. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale.
Key Benefits
Provides financial protection to your family
Get back all premiums paid with Smart Exit Benefit
(This option can be exercised in any policy year greater than 30, but not during the last 5 policy years)
Does this plan offer tax benefits?
Premium(s) paid by an individual or HUF under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961, subject to the conditions/ limits specified therein. Under Section 10 (10D) of the Income Tax Act, 1961, the benefits received from this policy are exempt from tax, subject to the conditions specified therein.
Please note that the above-mentioned benefits are as per the current tax rules. Your tax benefits may change if the tax rules are changed. You are requested to consult your tax advisor.
Can any riders be opted along with the plan?
Yes, you can opt for any of the following riders:
- HDFC Life Income Benefit on Accidental Disability Rider
- HDFC Life Critical Illness Plus Rider
- HDFC Life Protect Plus Rider
For what premium paying term, will the Smart Exit Benefit be applicable?
Smart Exit Benefit will be applicable for policies at all premium payment terms. It can only be exercised after 30th Policy Year, but not during the last 5 policy years.
Are there any specific exclusions in this plan?
To know detailed information related to exclusions, kindly read the Product Brochure.
Can I change my premium frequency after the policy has been issued?
Yes, as the Policyholder, you can alter the Premium Frequency during the Premium Payment Term.
What are the premium paying frequencies available under this plan?
Single, annual, half-yearly, quarterly and monthly frequencies are available under this product.
Creteria
Eligibility
Min. Age at Entry
18 years
Max. Age at Entry
45 years
Min. Age at Maturity
33 years
Max. Age at Maturity
75 years
Min. Policy Term
For 10-Pay: 15 years
For 15-Pay: 20 years
Max. Policy Term
40 years, subject to Maturity Age
Premium Payment Term
Limited Pay: 10-Pay and 15-Pay only
Min. Basic Sum Assured
Rs 2,00,00,000
Max. Basic Sum Assured
There is no maximum limit. However, the acceptance of any case is subject to Board Approved Underwriting Policy (BAUP).
All ages are expressed as on last birthday. For all ages, risk commences from the date of inception of the contract
