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Home> Term Life Insurance> HDFC Life Click 2 Protect Life

HDFC Life Click 2 Protect Life

₹0

Term-life cover

₹0/year

Cover up to

Plan benefits

  • Death benefit

    Death benefit

    Upon death of the person insured during the policy term and provided all due premiums have been paid, the nominee will receive the Total Sum Assured

    Lumpsum benefit that your nominee shall get in event of death

  • Tax benefits

    Tax benefits

    Term Insurance policies offer tax benefit on

    a) premium paid (Sec 80C) and

    b) benefits received (Sec 10(10D)) under the Income Tax Act

    You get dual tax-saving benefit a) on the premium paid (Sec 80C) and b) benefits received under Sec 10 (10D)

About the insurer

Claims process

Ask for claims intimation form claim-down-arrow claim-up-arrow

Upon death of the life assured, the nominee can download the claim intimation form from the insurer website or ask for it by contacting ETMoney at +91-9205231523 or insurancesupport@etmoneycare.com

Upon receipt of intimation, the insurer shall contact the nominee/beneficiary for the required set of documents
- List of Documents
  • Death certificate issued by Govt. / Relevant Authority
  • Death claim form with claimant's NEFT details
  • Original Policy Document
  • Claimant?s Identity & Residence Proof
  • FIR, Police Inquest Report & Panchanama (in case of unnatural death)
  • Additional documentation might be requested by the insurer on a case-to-case basis

If all documents are received and in order, insurer claims team will take decision on the claim.

Upon favourable decision, payment shall be made to nominee or titleholder of the claim.

If the decision is unfavourable, then the insurer will issue a formal and written letter to the claimant with exact reasons for declining the claim. If the claimant is unsatisfied with the response, he/she can file it with the insurance ombudsperson or take appropriate legal action
  • You can claim in all kinds of death (natural, accidental, illness, calamities)
  • You can't claim in death due to suicide only in first year of policy.

FAQ

Is my premium fixed or will it change in the future? claim-down-arrow claim-up-arrow

Once the policy is issued to you, the premium amount stays the same throughout the entire tenure of the policy. The only exception to this are any changes to the tax structure which are declared by the Indian Government from time to time

Yes, nominee can be changed anytime during the policy period

HDFC Life offers a 30 day free look period in which you can choose to cancel the policy. Full refund shall be paid back in such cases.

Both - the premiums paid and benefits received - are eligible for tax benefits under Section 80C and Sec 10(10D) of the Income Tax Act

There are no maturity benefits under a term insurance policy. However, if the policyholder were to die within the policy period, the nominee(s) shall receive the death benefits.

No. The duration of life cover cannot be changed once the policy is issued.

Yes, there is a waiting period of 3 months for basic term plan and 6 months for term plan with riders. In case you have contracted COVID-19, it is suggested to apply for term insurance after the specified waiting period to avoid policy rejection.

HDFC Life Click 2 Protect Life

UIN No - 101N139V01

HDFC Life has consistently maintained a high claim settlement ratio of 98% or more in each of the last five years. Their current CSR is one of the highest amongst life insurers in India

Policy documents

document Policy brochure download-ico