HDFC Life Click 2 Protect Health

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Summary HDFC Life Click 2 Protect Health Plan

Click 2 Protect Health Plan is a combi plan offering benefits of both term insurance and health insurance. This plan is being offered by HDFC Life in Partnership with Apollo Munich Health Insurance Company. Both companies have combined their 2 best selling plans to offer this combination plan. This plan combines the benefits of Click 2 Protect 3D Plus Plan & Optima Restore Plan.

You can take these 2 plans separately too. By taking this in the combo version, you can just do one medical test and submit documentation just once for both term insurance and health insurance requirements.

Launch Date	Policy Type	UIN
31-July-2017	Term + Health	101Y115V01

Key features of HDFC Life Click2Protect Health Policy

Offers both term insurance & health insurance benefits in one plan
Serviced by both companies network branches
Tax benefits under Sec 80C, Sec 80D & Sec 10(10D)

Benefits of HDFC Life Click 2 Protect Health Policy

The benefits of this plan can be categorised under 2 sections - Protection & Health

Protection Benefits

Life cover benefits with 9 plan variants at affordable premiums
All future premiums are waived in case of Accidental Permanent Disability
Option to increase life cover at specified events in life without any medicals
Flexibility to increase cover through top-up options
Tax rebates under Sec 80C & Sec 10(10D) of the Income Tax Act

You can read a more detailed review of these benefits here - Click 2 Protect 3D Plus Plan

You can also watch a video of the term plan here

Health Insurance Benefits

In-patient, Pre & Post hospitalisation benefits
No sub-limits on room rent
Restore benefit - re-instates basic sum insured in case you exhaust it in a year
Mutliplier benefit - increase basic sum insured by 50% for every claim-free year
Preventive health checkups
Lifelong renewal
No claim-based loading
Cashless transactions in over 4500 hospitals across 830 cities in India
Tax Benefits under Sec 80D of the Income Tax Act

You can read a more detailed review of these benefits here - Optima Restore Plan.

Eligibility Criteria in HDFC Life Click 2 Protect Health Plan

	Protection		Health
	All Options except Life Long Protection Option & 3D Life Long Protection Option	Life Long Protection Option & 3D Life Long Protection Option
Min Age at Entry	18 years	25 years	91 days
Max Age at Entry	65 years	60 years	65 years
Min Policy Term	5 years	Whole Life	1 year
Max Policy Term	40 years	Whole Life	2 years
Min Age at Maturity	23 years	Whole Life	Lifelong renewal
Max Age at Maturity	75 years	Whole Life	Lifelong renewal
Sum Assured	10 lakhs onwards, No upper limit		3 lakhs / 5 lakhs / 10 lakhs / 15 lakhs / 20 lakhs / 25 lakhs / 50 lakhs

Detailed Benefits of the HDFC Life Click 2 Protect Health Policy

Protection Benefits - This plan has 9 options to choose from. They are as follows:

1) Life Option: Your nominee gets a Lumpsum Benefit on death or diagnosis of Terminal Illness. The future premiums are waived in case of Total Permanent Disability due to an accident.

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 a Critical Illness.

3) Extra Life Option: In addition to the benefits under "Life Option", your nominee gets an additional Extra Life Sum Assured in case of death due to an Accident.

4) Income Option: Your nominee will receive a Lumpsum benefit and a regular stream of Income for a fixed number of years.

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: Instead of a lumpsum payment, your nominee will receive a regular monthly income.

7) Return of Premium Option: In case you survive the policy term, all premiums paid by you will be returned at 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: This option provides life-long protection. Your nominee gets a Lumpsum Benefit on death or diagnosis of Terminal Illness. The future premiums are waived in case of a Disability due to an accident.

9) 3D Life Long Protection Option: In addition to the benefits under "Life Long Protection Option" as mentioned above, you will receive an additional benefit of waiver of your future premiums upon diagnosis of Critical Illness.

You can read a more detailed review of these benefits here - Click 2 Protect 3D Plus Plan. You can also watch a video of the term plan here.

Health Insurance Benefits

Cover amount in lakhs	3	5	10	15	20/25/50
In-patient Treatment	Covered upto sum insured
Pre-Hospitalization	Covered upto 60 Days
Post-Hospitalization	Covered upto 180 Days
Day Care Procedures	All Day Care Treatments Covered
Domiciliary Treatment	Covered upto sum insured
Organ Donor	Covered upto sum insured
Emergency Air Ambulance Cover	Not Covered	Upto Rs. 2.5 Lacs per hospitalization and maximum upto sum insured in a year
Restore Benefit	Equal to 100% of Basic Sum Insured
Multiplier Benefit	Bonus of 50% of the Basic Sum Insured for every claim free year, maximum upto 100%
Health Checkup	NA	Rs. 1,500	Rs. 2,000	Rs. 4,000	Rs. 5,000

If you have any questions on this plan, drop in a line in the comments and we will be happy to help out.