Secure your family against uncertainties,

with a plan that adjusts to your needs.

Introducing
Click 2 Protect Life
A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan

99.07%
Claim Settlement Ratio1

Life cover of `1 Crore @ `658/month*

Enhance your protection Get back all premiums Option to reduce Premium
with WoP CI and ADB paid on survival till Payment Term from
options^ maturity with ROP option# Regular Pay to Limited Pay

1. Individual death claim settlement ratio by number of policies as per audited annual statistics for FY 2019-20.
* Premium for Life Protect Option, Male Life Assured, Non-Smoker, 25 years of age, Policy term of 30 years, Regular pay, Annual frequency, exclusive of taxes and levies as applicable.
(Annual Premium of `7901/12 658)
^ WoP on diagnosis of CI is available on payment of extra premium under Fixed Term variant only. ADB option is available on payment of extra premium.
# Available on payment of extra premium under Fixed Term variant.
HDFC Life Click 2 Protect Life (Life Protect option)
Life Protect option is a simple plan option which provides you with life cover for the coverage term chosen, thereby
securing the future of your loved ones.
The benefits of Life Protect option are explained below. For details on other plan options, please refer to respective
leaflets and sales brochure.

Key Features

Provides comprehensive Option to avail Get back all premiums paid on Waiver of Premium on
financial protection to cover for Whole of survival till maturity with diagnosis of Critical Illness
your family Life Return of Premium option** (through WOP CI option)#

Additional Sum Assured Special premium rates Tax Benefits as

on Accidental Death for female lives and per prevailing
(through ADB option)# non-tobacco users tax laws1

**Available on payment of extra premium under Fixed Term variant.

# WoP on diagnosis of CI is available on payment of extra premium under Fixed Term variant only. ADB option is available on payment of extra premium.
1
As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws

Eligibility

Life Protect
Plan Option
Fixed Term Whole Life

Min. Age at Entry 18 years 45 years

Max. Age at Entry 65 years 65 years
Min. Age at Maturity 18 years Whole of Life
Max. Age at Maturity 85 years Whole of Life
Single Pay: 1 month
Min. Policy Term Regular Pay: 5 years Whole of Life
Limited Pay: 6 years

Max. Policy Term 85 years – Age at Entry Whole of Life

Single Pay, Regular

Pay, Limited Pay (5 to Limited Pay
Premium Payment Term
any PPT less than PT) (5, 10, 15 pay)

Min. Basic Sum Assured `50,000

No limit, subject to Board Approved
Max. Basic Sum Assured
Underwriting Policy (BAUP)
All ages are expressed as on last birthday. For all ages, risk commences from the date of inception of the contract.

Benefits:

Under this plan option, you are covered for death during the policy term. In case of your unfortunate demise during the
policy term, your nominee gets a lump sum benefit.
Example: Mr. Bansal, a 40 years old gentleman, buys the Life Protect Option of HDFC Life Click 2 Protect Life for cover
till age 85 years, regular pay, and avails a level cover of `1,00,00,000.
Mr. Bansal passes away in the 10th policy year. His nominee will receive a lump sum benefit of `1,00,00,000.
Total SA: `1 Cr | Policy term: Till age 85 years

Death during 10th year:

Death Sum Assured is paid out `1 Cr

Age 40 41 42 43 44 45 46 47 48 49 ....................................................................... 85
.......................................

You pay premiums regularly

Death Benefit:

“Death Benefit” is payable as a lump sum to your Nominee if you die during the policy term. It is the higher of:
A. Sum Assured on Death
B. 105% of Total Premiums Paid

Sum Assured on Death for Single Pay (SP) is the highest of:
A. 125% of Single Premium
B. Sum Assured on Maturity
C. Basic Sum Assured

Sum Assured on Death for other than Single Pay (Limited Pay and Regular Pay) is the highest of:
A. 10 times of the Annualized Premium
B. Sum Assured on Maturity
C. Basic Sum Assured

Annualized Premium is the premium amount payable in a year chosen by the policyholder, excluding taxes, rider
premiums, underwriting extra premiums and loadings for modal premiums, if any.
Total Premiums Paid are the total of all the premiums received, excluding any extra premium, any rider premium and
taxes. In case ROP option has been selected, Total Premiums Paid includes premium paid for base plan option and the
additional premium paid for ROP option.
Sum Assured on Death is the absolute amount of benefit which is guaranteed to become payable on death of the life
assured in accordance with the terms and conditions of the policy or an absolute amount of benefit which is available to
meet the health cover.
Basic Sum Assured is the amount of sum assured chosen by the policyholder.
Sum Assured on Maturity is the amount which is guaranteed to become payable on maturity of the policy, in
accordance with the terms and conditions of the policy.

Maturity Benefit:

On survival until Maturity, Sum Assured on Maturity will be payable.

Sum Assured on Maturity will be equal to the Total Premiums Paid if ROP benefit is selected, Nil otherwise.
Upon the payment of death or maturity benefit as above, the policy terminates and no further benefits are payable.

Add-on benefits available

1. Return of Premium (ROP) option1

If you choose this, you will receive a return of 100% of the Total Premiums Paid as a lump sum, upon survival until
maturity.

This add-on option will be available for:

• All policy terms between 10 and 40 years for Single, Regular and 5 Pay.
• All policy terms between 15 and 40 years for 8, 10 and 12 Pay.
 2. Waiver of Premium on CI (WOP CI) Option4
If you choose this add-on option, all future premiums payable under the plan will be waived, if you are diagnosed with
any of the covered critical illnesses2.
This option will be available only where PPT is at least 5 years and Fixed Term variant is selected.

3. Accidental Death Benefit3 (ADB) Option4

If you choose this add-on option, an additional amount equal to 100% of Basic Sum Assured will be payable to the
Nominee on your (Life Assured’s) death due to accident during the policy term.

4. Option to reduce Premium Payment Term from Regular Pay to Limited Pay
You also have an option to convert the outstanding regular premiums into any limited premium period available under
the plan options without any charge/ fee.

5. Alteration of premium payment frequency

You have an option to alter the premium payment frequency during the premium payment term without any charge/ fee.
1
Available on payment of extra premium under Fixed Term Variant.
2
for covered critical illness under this plan please refer to the product brochure.
3
for details of accidental death benefit please refer to the product brochure.
4
Available on payment of extra premium.

Riders

You can enhance your protection by availing any of the following Riders:
HDFC Life Income Benefit on Accidental Disability Rider (UIN: 101B013V03)
HDFC Life Critical Illness Plus Rider (UIN: 101B014V02)
HDFC Life protect Plus Rider (UIN: 101B016V01)

Prohibition of Rebates: In accordance with Section 41 of the Insurance Act, 1938 as amended from time to
time:
(1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or
renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole
or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or
renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the
published prospectuses or tables of the insurer.
(2) Any person making default in complying with the provisions of this section shall be liable for a penalty which may
extend to ten lakh rupees.

Contact us today

To buy: 1800-266-9777 (Toll free)

(Available all days 9am to 9pm)

Visit us at www.hdfclife.com

HDFC Life Insurance Company Limited (“HDFC Life”). CIN: L65110MH2000PLC128245. IRDAI Registration No. 101.
Registered Office: 13th Floor, Lodha Excelus, Apollo Mills Compound, N. M. Joshi Marg, Mahalaxmi, Mumbai - 400 011.
Email: service@hdfclife.com, Tel. No: 1860 267 9999 (Mon-Sat 10 am to 7 pm) Local charges apply. Do NOT prefix any country code. e.g. +91 or 00. Website:
www.hdfclife.com
The name/letters "HDFC" in the name/logo of the company belongs to Housing Development Finance Corporation Limited ("HDFC Limited") and is used by HDFC Life under
an agreement entered into with HDFC Limited.
HDFC Life Click 2 Protect Life (UIN: 101N139V01) is a non linked, non participating, individual, pure risk premium/savings life insurance plan. Life Insurance Coverage is
available in this product. HDFC Life Income Benefit on Accidental Disability Rider (UIN: 101B013V03), HDFC Life Critical Illness Plus Rider (UIN: 101B014V02), HDFC
Life Protect Plus Rider (UIN: 101B016V01) are the names of the riders. For more details on risk factors, associated terms and conditions and exclusions please read sales
brochure carefully before concluding a sale. ARN: MC/01/21/22030.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

• IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums.
Public receiving such phone calls are requested to lodge a police complaint.