How does my nominee claim the death benefit?

The nominee needs to submit a death certificate, policy documents, and any required forms to the insurer. After verification, the payout is processed.

How much coverage should I get?

A good rule of thumb is to have coverage that is 10-15 times your annual income, but the exact amount depends on factors like debts, living expenses, and future financial goals.

Can I increase my coverage later?

Some insurers allow policyholders to enhance coverage at key life stages (marriage, childbirth) through step-up options. Otherwise, a new policy may be needed.

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OneAssure

Term Insurance

HDFC Life Click 2 Protect Super Plan

Compare HDFC Life Click 2 Protect Super Plan benefits, exclusions, ratings and related variants in one place.

1.87

Solvency

99.68

ICR

9.64

Growth

170,495.02

AUM

Get your term insurance quote

Gender

Date of Birth

Coverage amount

Annual income

Education level

Your occupation

Current Location

Smoker / Non Smoker

Yes

Get your term insurance quote

Gender

Date of Birth

Coverage amount

Annual income

Education level

Your occupation

Current Location

Smoker / Non Smoker

Yes

1.87

Solvency

99.68

ICR

9.64

Growth

170,495.02

AUM

About

About HDFC Life Click 2 Protect Super Plan

HDFC Life Click 2 Protect Elite is a pure risk term insurance plan offering financial security for your family. It provides a lump sum death benefit to the nominee in case of the policyholder’s demise. The plan includes a Smart Exit Benefit, allowing policyholders to receive all premiums paid if they exit after a specified period. For example, a 30-year-old with a ₹2 crore sum assured pays ₹37,614 annually, ensuring comprehensive protection and flexibility throughout the policy term.

About Company

About HDFC Life Insurance Co. Ltd

HDFC Life Insurance is one of India’s most trusted private life insurance companies, established in 2000 as a partnership between HDFC Ltd. and Abrdn (formerly Standard Life Aberdeen). Headquartered in Mumbai, it offers a wide variety of insurance products, including term plans, retirement solutions, child education plans, savings and investment plans, health insurance, and ULIPs (Unit Linked Insurance Plans). HDFC Life’s plans provide both financial protection and wealth-building opportunities, helping individuals and families secure their future. Known for its high claim settlement ratio and digital-first services, the company focuses on simplicity, flexibility, and affordability.

Testimonials

HDFC Life Insurance Co. Ltd Customer Testimonials

Customer feedback and experiences.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

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Inclusions and Exclusions

Inclusions and Exclusions of HDFC Life Insurance Co. Ltd

Terminal Illness

If the policyholder is diagnosed with a terminal illness, the death benefit is accelerated, providing financial support during critical times.
This benefit ensures that funds are available when needed the most, rather than waiting until the policyholder's demise.

Zero Cost Option

The Smart Exit Benefit allows policyholders to receive a refund of all premiums paid if they opt to exit the policy after a specified duration.
This feature ensures financial flexibility and helps in cases where policyholders no longer require coverage.

Total Permanent Disability Payout

In case of total and permanent disability due to an accident, all future premiums are waived.
The life cover and additional benefits continue without any financial burden on the policyholder.

Inflation Protection Coverage

The policy offers an increasing sum assured option to help policyholders keep up with rising living costs.
This ensures that the coverage remains relevant and sufficient over time.

Premium Payment Customizations

The plan offers Limited Pay options, including 10-Pay and 15-Pay, allowing policyholders to complete their premium payments early while staying covered for a longer term.
Option to change the premium payment frequency for added convenience.

Terminal Illness

If the policyholder is diagnosed with a terminal illness, the death benefit is accelerated, providing financial support during critical times.
This benefit ensures that funds are available when needed the most, rather than waiting until the policyholder's demise.

Zero Cost Option

The Smart Exit Benefit allows policyholders to receive a refund of all premiums paid if they opt to exit the policy after a specified duration.
This feature ensures financial flexibility and helps in cases where policyholders no longer require coverage.

Total Permanent Disability Payout

In case of total and permanent disability due to an accident, all future premiums are waived.
The life cover and additional benefits continue without any financial burden on the policyholder.

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Exclusions

Pre-existing conditions diagnosed within 36 months before policy issuance or reinstatement.
Participation in hazardous sports (e.g., bungee jumping, racing, mountaineering).
Traveling in an aircraft other than as a fare-paying passenger on a licensed airline.
Self-inflicted injuries, suicide, or attempted suicide.
Death due to substance abuse, including drugs or alcohol.
Death occurring due to participation in military/naval operations during peacetime.
Death caused by war, civil unrest, terrorism, or riots.
Death due to engagement in criminal or illegal activities.

Claim Process

Claim Settlement Process

Steps and flow followed by the insurer.

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Things to Remember

Keep KYC documents and nominee details ready before purchase.

Renewal

Renewal steps and key points.

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.