HDFC Life Click 2 Protect 3D Plus
A non-linked non-participating term insurance plan
HDFC Life Click 2 Protect 3D Plus is a Pure Term Insurance Plan to secure your family's financial independence against Death, Disability and Disease with a 3D protection. It provides financial protection to you and your family at an affordable cost, Its provides many benefits like tax benefits, all future premiums are waived on Accidental Total Permanent Disability and on diagnosis of Critical Illness, and many more.
Key Benefits:
- Provide financial protection to you and your family at an affordable cost
- Customize your plan with a choice of 9 plan options
- All future premiums are waived on Accidental Total Permanent Disability (available under all options ) and on diagnosis of Critical Illness (Available with 3D Life and 3D Life Long Protection options)
- Protect yourself for whole of life with lifelong protection option
- Flexibility to choose your policy and premium payment terms
- Life Stage Protection feature offers to increase insurance cover on certain key milestones without medicals
- Flexibility to increase your cover every year through top-up option
- Special premium rates for female lives
- Attractive premium rates for non-tobacco users
- Tax benefits* as per prevailing tax laws
Plan options are available under this plan:
| # | Plan Options | Details |
|---|---|---|
| 1 | Life Option | Under this option your nominee gets a Lumpsum Benefit on death or diagnosis of Terminal Illness. Your future premiums are waived upon Accidental Total Permanent Disability (ATPD). |
| 2 | 3D Life Option | In addition to the benefits under Life Option, you will receive an additional benefit of waiver of your future premiums upon diagnosis of Critical Illness. |
| 3 | Extra Life Option | In addition to the benefits under Life Option, you get an additional Extra Life Sum Assured upon death due to Accident. |
| 4 | Income Option | This plan option is ideal if you wish to provide your nominee with a Lumpsum benefit and a regular stream of Income in your absence. |
| 5 | Extra Life Income Option | In addition to the benefits under Income Option, an additional Lumpsum & Income benefit is paid upon death due to accident. |
| 6 | Income Replacement Option | This plan option ensures that your nominee continues to receive the income stream even in your absence. |
| 7 | Return of Premium Option | Under this plan option, we will return all your premiums if you survive till the end of the Policy Term. On death/ diagnosis of Terminal Illness during the Policy Term a Lumpsum benefit will be paid to your nominee. |
| 8 | Life Long Protection Option | You are protected for your entire life. Your nominee gets a Lumpsum Benefit on death or diagnosis of Terminal Illness. Your future premiums are waived upon Accidental Total Permanent Disability. |
| 9 | 3D Life Long Protection Option | In addition to the benefits under Life Long Protection Option, you will receive an additional benefit of waiver of your future premiums upon diagnosis of Critical Illness. |
Eligibility Criteria:
| # | Plan Options | Parameters |
|---|---|---|
| 1 | Minimum Entry Age | 18 Years to 25 Years |
| 2 | Maximum entry age | 65 years |
| 3 | Maturity Age | 24 Years to Whole Life |