HDFC
Click 2 Protect Life
HDFC Life
Pure term insurance with high claim ratio
Sum Insured₹25 Lakhs - ₹10 Crores
PremiumStarting ₹550/month for ₹1 Cr
Claim Ratio99.2%
About Click 2 Protect Life
HDFC Life Click 2 Protect is one of India's most popular term insurance plans with 99.2% claim settlement ratio, flexible payout options, and comprehensive coverage.
Key Features
Life cover till age 85
99.2% claim settlement ratio
Increasing cover option
Critical illness rider
Accidental death benefit
Premium waiver on disability
Flexible payout options
Return of premium option
Eligibility
AgeEntry: 18-65 years, Policy till 85 years
Sum Insured₹25 Lakhs to ₹10 Crores
Medical TestRequired for sum insured above ₹50 lakhs
Waiting PeriodNo waiting period for term insurance
What's Covered
Death due to any cause (except exclusions)
Terminal illness benefit
Critical illness (with rider)
Accidental death (with rider)
Disability waiver (with rider)
Exclusions
- Suicide within first year
- Death due to war or nuclear event
- Death while under influence of drugs
- Death due to adventure sports (unless declared)
Pros & Cons
Advantages
- Highest claim settlement ratio
- Trusted HDFC brand
- Multiple plan options
- Flexible payout choices
- Easy online purchase
Disadvantages
- Premium slightly higher than some competitors
- Critical illness cover is add-on
Frequently Asked Questions
Click 2 Protect Life
(4.8)
- Sum Insured₹25 Lakhs - ₹10 Crores
- PremiumStarting ₹550/month for ₹1 Cr
- Claim Ratio99.2%
- TypeTerm Life Insurance
IRDAI registered insurer
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Disclaimer: Insurance is subject to terms and conditions. Premium shown is indicative and may vary based on your age, health, and coverage chosen. Please read policy documents carefully before purchasing.