HDFC Life Click 2 Protect 3D Plus Term Plan

HDFC Life Click 2 Protect 3D Plus plan gives its customers complete financial security. The word “3D” in the name exemplifies protection from death, disability, and disease. HDFC Life Click 2 Protect 3D Plus plan gives coverage to policyholders in case of unfortunate incidents. This may include permanent disability from an accident, terminal illness, or sudden onset of serious illness.

HDFC Life Click 2 Protect 3D Plus plan provides affordable financial protection to the insured’s family. It pays for claims made in the event of death, disability, or illness.

Omit, HDFC Life Click 2 Protect 3D Plus enables families to fulfill all their dreams and become independent even when they are away.

HDFC Life Click 2 Protect 3D Plus plan is a term life insurance policy with many variants that customers can choose from to extend their insurance HDFC Life Click 2 Protect 3D Plus term plan. With term insurance, you get more coverage at a lower premium.

HDFC Life Click 2 Protect 3D Plus Plan Key Features

Each term plan is different from the others and what sets them apart is their features. HDFC 3D Plus also offers unique features that provide peace of mind and financial security. Some of the features of HDFC life click 2 protect 3d plus are:

1. Plan Options

The Click 2 Protect 3d Plus Plan has nine options, and you can choose any of these options to customize your Plan.

2. Premium Payment Flexibility

Under this feature of HDFC Life click 2 protect 3d plus, you can avail yourself of the flexibility to choose the policy and premium payment terms at your convenience.

3. Life Stage Protection

It allows you to increase insurance coverage on certain milestones.

4. Discounts on Premium

The Plan offers discounts and rebates on the premium rates for females and non-tobacco users.

HDFC Life Click 2 Protect 3D Plus Plan Options

When you safeguard yourself and your family under HDFC life, click 2 protect 3d plus, you get a chance to choose 1 of the nine options available. Each option provides various features and benefits. Let’s discuss these 9 variants of HDFC life click 2 Protect 3d plus:

Life Option
3D Life Option
Extra Life Option
Income Option
Extra Life Income Option
Income Replacement Option
Return of Premium Option
Life Long Protection Option
3D Life Long Protection Option

Let’s look at some of the best value offers among the various insurance coverage options of the HDFC Click 2 Protect 3D Plan.

1. Life Option

This coverage option of Click 2 Protect 3d Plus Plan provides a lump sum payment to a nominee upon the policyholder’s terminal illness or death. In addition, all future insurance premiums will be waived if the accident leaves you with a residual disability.

Benefits under this option are:

1. Death/Terminal Illness Diagnosis Benefit:

Upon diagnosis of a terminal illness or death of the policyholder, the total sum insured is paid to the beneficiary as a lump sum. After that, the HDFC Life Click 2 Protect 3D Plus term plan ends.

2. Accidental Total Permanent Disability Benefit:

Future policyholder premiums will waver in an accidental total permanent disability. Yet, the HDFC life click 2 protect 3d plus term plan will remain.

2. 3D Life Option

This insurance option under HDFC Life Click 2 Protect 3d Plus offers all the benefits of the Life Option upon diagnosis of a critical illness and an extra future premium waiver.

Benefits under this option are:

Death/ Diagnosis of Terminal Illness: The total Sum Assured is paid to the nominee in a lump sum upon the policyholder’s diagnosis of terminal illness or demise. The HDFC life click 2 protect 3d plus term plan terminates after that.
Accidental Permanent Disabled: All future premiums will be waived in the event of an Accidental Permanent Disability. But the Policy remains intact.
Critical Illness Diagnosis: At the diagnosis of a critical illness, the policyholder is exempt from future premium payments. Additionally, the HDFC life click 2 protect 3d plus term plan is still valid.

3. Extra Life Option

In case of the policyholder’s accidental death, you will get all the benefits of the Live Coverage Option with the Sum Assured Option.

Benefits under this option are:

Death/Terminal Disease Diagnosis: The beneficiary will get the total benefit as a lump sum in case of terminal illness or death of the policyholder.
Accidental Total Permanent Disability: All future premiums will be waived in the event of an Accidental Total Permanent Disability. Yet, the HDFC Life Click 2 Protect 3d plus plan remains the same.
Accidental Death: In the event of accidental death, the beneficiary will get the Extra Life Sum Assured as a lump sum benefit. After which, the Policy ends.

4. Income Option

The HDFC Life Click 2 Protect 3D Plus Term Plan offers the nominee a lump sum plus a fixed income upon the policyholder’s death.

Benefits under this option are:

Diagnosis of Death/Terminal Illness: After the diagnosis of a terminal illness or death of the policyholder, the beneficiary will get the total amount. After that, the Policy ends.
Accidental Total Permanent Disability: All future premiums will waive for accidental total permanent disability.

All you need to do to get this coverage option is:

Select a capital benefit amount for the start date.
Select the income period for the insurance start date. The short term is one month, and the largest term is 20 years. The income period begins at the policyholder’s death and lasts for some time.
Select the amount you will pay during the income period on the start date. This amount is paid monthly in arrears.
Select the income accrual rate at the start of insurance. The increase you choose will apply to your income from the second year of your income period.

5. Extra Life Income Option

With the HDFC Life Click 2 Protect 3D Plus Term Plan, the policyholder receives all the benefits of the Income Option.

Benefits under this option are:

Death/Terminal Illness Diagnosis: In case of terminal illness or policyholder’s death, the nominee will get the total sum assured along with a level /increasing monthly income for the income period. After that, the HDFC Life Click 2 Protect 3d plus plan ends.
Accidental Permanent Disabled: In case of an accidental Permanent Disabled, all future premiums will waive, but the HDFC Life Click 2 Protect 3d plus term plan remains in place.
Accidental Death: The nominee will get the Extra Life Sum Assured if the policyholder dies in an accident.

To qualify for the HDFC Life Click 2 Protect 3D Plus Plan, all you need to do is:

Select your starting lump sum amount.
Select the amount of Extra Life insured at the start of the policy.
Select the income period. The minimum period is one month, and the maximum is 20 years. Income Period Beginning at Policyholder’s Death.
Select the annual income amount you will pay during the income period on the start date.
Select the percentage increase in annual income on the insurance start date.

6. Return of Premium Option

This coverage of HDFC Life Click 2 Protect 3D Plus Plan option allows the insured to receive a regular monthly income after the policyholder’s death.

Benefits under this option are:

Death/Terminal Illness Diagnosis: In the diagnosis of terminal illness/death of the policyholder, the nominee will get the total sum assured as a lump sum benefit.
Accidental Permanent Invalidity: In the event of an Accidental Invalidity, all future premiums will waive. Yet, the HDFC life click 2 protect 3d plus term plan remains the same.
Benefits of Maturity: Upon the survival of the policyholder, the total premiums paid will return to the policyholder. After that, the HDFC life click 2 protect 3d plus term plan terminates.

7. Income Replacement Option

Under the income replacement cover option of HDFC life click 2 protect 3d plus, nominees receive the regular monthly income upon the policyholder’s demise.

Benefits under this option are:

Death/ Diagnosis of Terminal Illness: The nominee will get 12 times the Increased Monthly Income upon the diagnosis of terminal illness/the policyholder’s death. In addition, you will also get a lump sum benefit along with the level / increasing income for the rest of the term. After that, the Policy terminates.
Accidental Total Permanent Disability: All future premiums will be waived in the event of accidental total permanent disability. But the Policy remains unchanged.

To choose this cover option:

Select the annual income amount during policy inception. Then, you have to pay it out in monthly arrears and 12 EMI.

8. Life Long Protection Option

Under this option, the premium payment term is determined as per the entry age of the policyholder. For example, 65 years- entry age. This option under HDFC Life Click 2 Protect 3d plus is valid for the whole life.
The permanent disability due to accident and death or terminal illness benefits are the same as other options.

9. 3D Life-Long Protection Option

The 3D Life, a long protection option under HDFC life, click 2 protect 3d plus cover all the critical illnesses.
It also offers benefits for permanent disability due to accidents which reduce all future premiums.
This option provides a lump sum payment in case of death or terminal illness.

Additional Benefits of HDFC Life Click 2 Protect 3D Plus Term Plan

There are some of the additional benefits of the HDFC Life Click 2 Protect 3D Plus Term Plan:

1. Life Stage Protection

This option is available with all plan options and is subject to BAUP. With this feature, you have the opportunity to increase your policy base amount without underwriting for any of the following events in the lifetime of your life insurance policy.

1stMarriage: 50% of the Sum Assured is subject to a max. of Rs. 50 lacs
Birth of 1st child: The 25% of the Sum Assured is subject to a max. of Rs. 25 lacs
Birth of 2nd child: The 25% of the Sum Assured is subject to a max. of Rs. 25 lacs

2. Top-Up Option

This option is available for all HDFC Life Click 2 to Protect 3D Plus Term Plan. You may go for a systematic increase of your coverage from the 1st policy anniversary onwards. Some of the necessary conditions for the Top-Up option of HDFC Life Click 2 Protect 3d plus term plan:

You can use this option only at the policy inception.
You have to pay an additional premium to increase the Sum Assured. The incremental cover and the incremental premium will apply prospectively.
You can exit this during the remaining policy term at any time.
You can alter the premium payment frequency at any Policy anniversary.

Eligibility Criteria of HDFC Life Click 2 Protect 3d Plus Term Plan

Eligibility Criteria	All Options except Life Long Protection Option & 3D Life Long Protection Option	3D Life Long Protection Option
Min Age at Entry	18 years	25 years
Max Age at Entry	65 years	65 years
Min Policy Term	5 years	Whole of Life
Max Policy Term	50 years	Whole of Life
Premium Payment Mode	Single Pay Regular Pay, Limited Pay: 5 years to 39 years	Limited Pay : (65 – Age at Entry)
Premium Payment Frequency	Single, Annual, Semi-Annual, Quarterly, Monthly	Annual, Semi-Annual, Quarterly, Monthly
Min Age at Maturity	23	Whole of Life
Max Age at Maturity	75	Whole of Life
Minimum Basic Sum Assured	Rs.10,00,000

Exclusions of HDFC Click 2 Protect 3D Plus Plan

There are some cases when the HDFC life click 2 protect 3d plus term plan does not provide the coverage:

1. If the Death happens due to the following events not being covered the Plan

Ingestion of drugs, alcohol, or other hallucinogenic substances.
Participation in war, aggression, hostilities, or criminal acts with criminal intent.
Suicide or Ingestion of self-injury poison by suicide.
Engaging in life-threatening, dangerous work or hobbies.
Participation in flying activities such as paragliding and bungee jumping.
Death after 180 days of the accident.

2. The Plan does not cover deaths happening due to the following reasons:

HIV/AIDS, self-destruction activities, intake of alcohol/drugs/sedatives.
Death within 30 days after the diagnosis of critical illness.
Failure to seek medical advice or implement the same.

3. Accident Total Permanent Total Disability:

If the policyholder met an injury or accident which resulted in irrecoverable-

damage of the two limbs,
both eyesight or
one limb and the sight of one eye, or
the loss of limbs at or above wrists or ankles, or
The total and irrecoverable loss of one eyesight and loss by severance of one limb near the wrist or ankle.

Disabled:

Disabled due to injury or accident renders you incapable of performing a job, occupation, or occupation for compensation, reward, or benefit and is unlikely ever to be able to do so.

4. Terminal Illness

If, according to the opinion of two independent physicians specializing in treating such diseases, a terminally ill patient is likely to die within the first six months of life. The health condition of the insured is considered terminally ill. The terminal illness needs to be diagnosed and confirmed by a physician registered with the Indian Medical Association and licensed by the company. HDFC Life reserves the right to independent evaluation. The only exclusion of terminal illness is the diseases caused by AIDS.

The 34 Critical Illnesses covered under HDFC Click2 Protect 3D Plus Term Plan

Cancer Related	Cardiac Related	Others
● Cancer of specified severity	Open Chest CABG Myocardial Infraction (First Heart Attack of specific severity) Open Heart Replacement or heart valve repair Major Surgery of the Aorta Angioplasty Cardiomyopathy Primary (Idiopathic) Pulmonary Hypertension	Kidney Failure requiring regular dialysis Major Organ/ Bone Marrow Transplant Stroke resulting in Permanent Symptoms Apallic Syndrome Benign Brain Tumour Coma of specified severity End-Stage Liver Disease End Stage Lung Disease Loss of Limbs Loss of Independent Existence Blindness Third Degree Burns Major Head Trauma Permanent Paralysis of limbs Scleroderma Alzheimer’s Disease / Irreversible Organic Degenerative Brain Disorders Motor Neurone Disease with Permanent Symptoms Multiple Sclerosis with Persistent Symptoms Muscular Dystrophy Parkinson’s Disease Poliomyelitis Deafness Loss of Speech Medullary Cystic Disease Systematic lupus Erith with Renal Involvement Aplastic Anaemia

How do I Purchase the HDFC Click 2 Protect 3D Plus Plan?

You can enroll as a customer in HDFC Click 2 Protect 3D Plus Plan. In addition, you can purchase HDFC Life Click 2 protect 3d Plus plan online from the company’s official website or through third-party providers such as agents, brokers, etc. Below is a detailed description of these two types of purchasing processes.

Steps to purchase from HDFC Life Click 2 Protect 3D Plus Term Plan

Visit the HDFC Life Insurance official website.
Go to the ‘I want to buy tab and select the option.’
Click Next and fill in all the required details.
Tap Next and select a plan if required.
Click the “Buy Now” Button to Make a Payment.

Once payment is complete, you will receive a payment confirmation at your registered email address.

HDFC Click 2 Protect 3D Plus – FAQs

Q1. What if I submit my entry after the deadline for the HDFC Life Click 2 Protect 3d Plus plan?

Ans. For policies with monthly payments, you will get a grace period of 15 days. 30 days is for annual, quarterly, and yearly premium payment policies. Failure to pay premiums below this limit will void the Policy.

Q2. What are the conditions for residual disability due to an accident under the HDFC Life Click 2 Protect 3d Plus plan?

Ans. As per HDFC life click 2 protect 3d plus term plan, If the Persons declared permanently disabled:

Incapable of being involved in any occupation or profession under regular payment of salary or compensation.

Physically impaired to move any body parts like loss of one limb, one eye, or both, and loss of limbs above wrist or ankle.

Q3. How to apply for the HDFC Life Click 2 Protect 3D Plus Term Plan?

Ans. If you wish to buy HDFC Life Click 2 Protect 3D Plus Term Plan, you need to fill in the form available on the website of HDFC life insurance. For this you need to follow some of the simple steps – Visit the HDFC Life Insurance official website, then, Go to the ‘I want to buy tab and select the option, Now, Click Next and fill in all the required details and Tap Next and select a plan if required. Click the “Buy Now” Button to Make a Payment.

After the completion of successful payment, you will get the confirmation mail on your email ID which indicates, you have successfully purchased the HDFC Life Click 2 Protect 3D Plus Term Plan.

Q4. What is the minimum entry age of the 3D Life Long Protection Option?

Ans. The minimum entry age for the 3D Life Long Protection Option is 25 years.

HDFC Life Click 2 Protect 3D Plus