HDFC Life Click 2 Protect Elite Plus

Quick Information

Basic Details

Entry Age 18 to 45 years

Coverage Amount Not specified

Policy Term Up to 40 years

Premium Payment Up to 15 years

Claim Settlement 99.68% (FY 2025)

Claim Value Ratio 0.00%

Best For

Families needing comprehensive coverage

People who want no room rent restrictions

Those preferring cashless treatments

Individuals looking for AYUSH coverage

Senior citizens seeking reliable cover

What Works Well

Excellent claim settlement ratio

99.98% claims settled within 30 days

Smart Exit Benefit available

Premium Break Benefit available

Return of Premium option available

Critical illness rider with 60 illnesses

Watch Out For

No increasing cover option

No customizable claim payout options

Coverage only up to age 70 under standard review parameters

Few limited pay choices

Moderately long claim form

No home pickup for claim documents

Hidden Clauses - Read Very Carefully!

These clauses are often buried in fine print. MyInsureBuddy surfaces them so you're never surprised at claim time.

Suicide exclusion applies during first 12 months

Smart Exit Benefit cannot be used during last 5 policy years

Smart Exit Benefit unavailable when Return of Premium option is selected

Premium Break can be used only after completing 5 policy years

Gap of minimum 5 years required between two Premium Break requests

Immediate claim payout is subject to claim investigation

⚡ At a Glance

Return of Premium Waiver of Premium Smoker Allowed Terminal Illness Cover Critical Illness Rider Accidental Death Rider Accidental Disability Rider

Death Benefit Options

•["Lump Sum"]

Premium Payment Options

•Regular Pay

•5 Pay

•10 Pay

•15 Pay

Premium Frequency

•Annual

•Half-Yearly

•Quarterly

•Monthly

Available Riders

•Critical Illness Rider: Coverage against 60 specified critical illnesses with separate payout

•Accidental Death Benefit Rider: Additional payout in case of accidental death

•Waiver of Premium Rider: Waiver of future premiums on covered critical illness or accidental disability

Claims Experience

•Claim Settlement Ratio: 99.68%

•Claims settled within 30 days: 99.98%

•Claim complaint ratio: 0.01%

•Claim settlement ratio by value: 97.96%

•Solvency Ratio: 194%

•Online claim tracking available

Additional Product Benefits

•Smart Exit Benefit available

•Premium Break Benefit available for up to 12 months

•Immediate claim payout facility up to ₹5 lakh

•Return of Premium option available

•Renewability option at maturity available in eligible cases

Not Available Features

•Increasing Cover

•Claim Payout Customization

•Monthly Income Payout

•Combination Payout Option

•Dedicated Toll-Free Claims Line

•Separate Claim Form for Above 3 Years Claims

Customer Service Insights

•Toll-free support response: Quick

•Twitter/X response speed: Slow

•After-sales complaint ratio: 0.31%

Important Buying Suggestions

•Declare all medical conditions honestly

•Disclose smoking and alcohol habits accurately

•Read Smart Exit Benefit conditions carefully

•Understand Premium Break Benefit rules before opting

•Review rider wording and waiting conditions

•Choose life cover equal to at least 15-20 times annual income

Age-wise Premium Breakdown

Age	Premium (approx)
18-25 Years	₹6,000
26-35 Years	₹7,200
36-45 Years	₹10,800

Premium by Cover Amount

Cover Amount	Premium (approx)
₹50 Lakh	₹7,000
₹1 Cr	₹14,000
₹2 Cr	₹26,000

Coverage & Benefits

Base Death Benefit

Lump sum or income payout to nominees upon the policyholder's demise during the policy term.

Terminal Illness Cover

Accelerated payout of the base cover if diagnosed with a terminal illness.

Return of Premium

100% refund of total premiums paid if the policyholder survives the policy term.

Waiver of Premium

Future premiums are waived in case of critical illness or permanent disability.

Critical Illness Rider

Lump sum payout upon diagnosis of covered critical illnesses.

Accidental Death Rider

Additional sum assured paid in case of death due to an accident.

Accidental Disability Rider

Financial protection against permanent or partial disability caused by an accident.

Waiver of Premium Rider

Waiver of future premiums on covered critical illness or accidental disability

Official Policy PDF

Download the official IRDAI-filed brochure from HDFC Life Insurance Company Limited.

Download (0.5 MB)

MyInsureBuddy Score

Recommended

Among top 20% in category

Claim Settlement 99%

Product Benefits 0%

Value for Money 87%

Flexibility 72%

Rider Strength 88%

Hidden Risk Safety 0%

Risk Level Low Risk (2/10)

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Quick Information

What Works Well

Watch Out For

Hidden Clauses - Read Very Carefully!

⚡ At a Glance

Death Benefit Options

Premium Payment Options

Premium Frequency

Available Riders

Claims Experience

Additional Product Benefits

Not Available Features

Customer Service Insights

Important Buying Suggestions

Age-wise Premium Breakdown

Premium by Cover Amount

Coverage & Benefits

Terms & Conditions (Simplified)

Maximum Maturity Age

Free Look Period

Grace Period

Revival Period

Smart Exit Benefit

Premium Break Benefit

Return of Premium

Claim Payout Type

Premium Payment Terms

What's Not Covered

Official Policy PDF

MyInsureBuddy Score

Quick Actions

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