HDFC is a well-known and trusted brand in the insurance segment in India. One of the best term insurance plans that come from HDFC is the Click 2 Protect Plus Term plan. Here are the features of the HDFC Click 2 Protect Plus Term plan.
Main Features of HDFC Click 2 Protect Plus Term plan
| Minimum Entry age | 18 years (completed) |
| Maximum entry age | 65 year (nearest) |
| Maximum age at entry | 70 years (nearest) |
| Minimum policy term | 5 years |
| Maximum policy term | 40 years |
| Minimum sum assured | 10,00,000 (for non-smokers) |
| 5,00,000 (for smokers) | |
| Maximum sum assured | no limit |
| the amount can be paid yearly | amount can be paid yearly |
Good Points of HDFC Click 2 Protect Plus Term plan
- No limit for the maximum Sum Insured limit
- You can pay your amount either cash or online through net banking/credit card/debit card/Paytm/Google Pay
- Amount Rates are different for smokers and non-smokers
- If you pay online you get to save (by 35 percent) than the offline Term Plan of HDFC Click 2 Protect Plus Term plan.
Bad Points of HDFC Click 2 Protect Plus Term plan
- It’s more costly in comparison to other private players in the same segment.
Annual Premium For Healthy Male, Non-Smokers, Age 30 Years, Sum Insured 10,00,000 (10 Lakhs)
| Company | Amount(rupees) |
| ICICI Pru iCare II | 9470 |
| LIC e-Term | 8202 |
| Bajaj Alliance iSecure | 7623 |
| SBI Life e-Shield | 7220 |
| HDFC Life click2Protect | 6741 |
| Max Life Online Term Plan | 4775 |
| Aviva i-life | 4635 |
| Aegon Religare iTerm | 4607 |
| Reliance Online Term | 4029 |
- This proposal for your own life will be only considered. If you want to buy a policy for your wife or any other family member. You Need to Buy Separately for them.
- Not available for NRIs.
Things You Must Have to Buy This Plan
- You need to undergo a health check-up During buying plan in India.
- Bank Account Details and MICR code
- Details of medical history (if any)
- Details of family members
- Details of your all existing insurance (if any, both Private or HDFC )
- PAN Number
- Form 16 or ITR of the last three years
If you have all the above information/documents then log in HDFC Website and buy this plan. Medical tests are necessary for this online term insurance plan.
If you have any problem during the process of buying HDFC Life Insurance term, then you can email contact support team of HDFC.
Things to Take Care
- No accidental benefit for the rider.
- Maximum age is 70 Yrs.
Conclusions
There are several Better term insurance plans in India. My advice to you would be, to consider term plans among the top-5 indicated above. Do term insurance comparisons to opt from available ones. You can also split your insurance coverage into 2 plans e.g. Instead of a 1 Crore Term plan from a single insurance company, you can take 10 Lakhs (INR) each from two insurance companies to avoid any rejections in the future of say 5 or 20 years. Term Insurance plans are best which come with low premiums and high-risk coverage. This should be your first step in financial planning.