HDFC Life Click 2 Protect Super stands out as one of India’s most flexible term insurance plans, offering customizable protection with vital illness coverage. This comprehensive guide examines the HDFC Life Click 2 Protect Super benefits, premium calculation, critical illness list, and how to access your policy documents – everything you need to make an informed decision.
Key Plan Highlights
🛡️ Death Benefit: Up to ₹2 Crore coverage (Age 18-65)
🏥 Critical Illness Protection: Covers 46 major illnesses (Optional Rider)
💰 Wealth Boosters:
- Return of Premium (ROP): Get 100% premiums back at maturity
- Increasing Cover: Auto-increase coverage by 5-10% yearly
📊 Tax Benefits: Section 80C & 10(10D) deductions
Plan Variants & Premium Comparison
| Variant | Sum Assured | Term | Monthly Premium (35Y Male) | Special Feature |
|---|---|---|---|---|
| Basic | ₹50L | 30Y | ₹1,199 | Pure term cover |
| Super | ₹1Cr | 30Y | ₹2,299 | CI Rider included |
| Super Plus | ₹1.5Cr | 30Y | ₹3,499 | ROP + CI Cover |
Non-smoker premium with no medical history
Critical Illness Coverage (46 Conditions)
🩺 Major Categories Covered:
- Cancer (Stage 3+)
- Kidney Failure (Dialysis Dependent)
- Open Chest CABG Surgery
- Stroke with Permanent Symptoms
- Multiple Sclerosis
📌 Full list available in HDFC Life Click 2 Protect Super Critical Illness list PDF
Policy Documents & Resources
📄 Essential Documents:
- HDFC Life Click 2 Protect Super brochure PDF [Download Link]
- Policy Wordings Document (Contains T&C)
- Premium Payment Receipts
🔍 Access via: Customer Portal > My Policies > Document Section
Premium Calculator: Estimate Your Costs
Sample Calculation:
- Age: 30 Years | Coverage: ₹1Cr | Term: 35Y
- Estimated Premium: ₹1,499/month (With CI Rider)
💡 Use official HDFC Life Click 2 Protect Super premium Calculator for accurate quotes
Claim Process & Settlement
⚡ 3-Step Claim Process:
- Intimate claim via Toll-Free (1800-267-9999)
- Submit Death/CI Certificate + KYC
- Receive payout within 10 days (99.1% settlement ratio)
📋 Required Documents:
- Original Policy Document
- Medical Reports (For CI Claims)
- Nominee ID Proof
HDFC Life Click 2 Protect Super Review
✅ Pros:
- Flexible Riders: Accidental death, disability options
- Online Purchase: Fully digital process (15-min issuance)
- High Coverage: Up to ₹2Cr for salaried professionals
❌ Cons:
- Medical tests mandatory for ₹75L+ coverage
- No loan facility against policy
PolicyBazaar Rating: 4.6/5 (Based on 12K+ reviews)
Competitor Comparison
| Feature | Click 2 Protect Super | ICICI iProtect Smart | LIC Tech Term |
|---|---|---|---|
| CI Cover | 46 Conditions | 64 Conditions | Not Available |
| Online Purchase | Yes | Yes | Limited |
| Max Age | 65 Years | 70 Years | 60 Years |
Who Should Buy?
✔ Family Providers needing comprehensive coverage
✔ Professionals wanting CI protection
✔ Tax Savers leveraging 80C benefits
Alternatives:
- Pure term plans (Higher coverage at lower cost)
- ULIPs (For market-linked returns)
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