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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.

 

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