Insure your family’s future with a plan

that adjusts to their changing needs.

NEW
99.5 %
Click 2 Protect Super Individual
Death Claim
A Non-Linked, Non-Participating, Individual, Pure Risk Settlement
Ratio*
Premium/ Savings Life Insurance Plan

Flexibility to choose Option to increase Option to

from multiple your cover at extend the
coverage options1 key life stages2 policy term3

Click 2 Protect Super

A Non-Linked, Non-Participating, Individual, Pure Risk
Premium/ Savings Life Insurance Plan

*Individual death claim settlement ratio by number of policies as per audited annual statistics for FY 2023-24
1 There are three different coverage options available under the plan - Level (Life Option - Variant A), Increasing
(Life Option - Variant B & C) or Decreasing (Life Goal Option).
2 Life Assured should be less than 45 years of age during events (Marriage or child birth).
3 Under Renewability Option at Maturity,the policyholder can choose to extend the term of their policy.
 Click 2 Protect Super
A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan

In this day and age of uncertainty, it is crucial to stay protected and secure your
family’s future against any ambiguity that life may bring. To help cope with these
uncertainties, HDFC Life is proud to present HDFC Life Click 2 Protect Super, an intelli-
gent term plan that provides benefits as per your altering lifestyle and life stage
needs and helps you and your family stay truly protected.

KEY FEATURES

Provides comprehensive financial protection to your family

Option to choose a cover which fits your needs from 3 plan options
Get back all premiums paid on survival till maturity with Return of Premium^ option
Additional amount payable in case of accidental death* during policy term
Provides Acceleration of Death benefit^ on diagnosis of specified terminal illnesses, till
age 80 years.
Option to choose increasing Death Benefit up to 200% under Life option
Option to vary your Death Benefit according to your need under Life Goal option
Waiver of Premium on diagnosis of Critical Illness (through WOP CI option)
Waiver of Premium on Total and Permanent Disability (through WOP Disability option)
Option to choose Additional Cover for Spouse^
Option to receive Death Benefit in Instalments
Option to financially protect your parent (s) / grandparent (s) till their survival under
Parent Secure Option#
^ Available under Life & Life Plus plan options, # Available under only Life plan option
*Available under Life Plus plan option
ELIGIBILITY

Plan Option Life Life Plus Life Goal

Min. Age at Entry 18 years
Max. Age at Entry 84 years 65 years
Min. Age at Maturity 18 years 23 years
Max. Age at Maturity 85 years
Single Pay: 1 month
Single Pay: 5 years
Min. Policy Term (PT) Regular Pay: 2 years
Limited Pay: 3 years Limited Pay: 7 years
Max. Policy Term (PT) 85 years – Age at Entry
Min. Basic Sum Assured `10,000
For Entry age > 65 years: `50,000
Max. Basic Sum
Assured For all other cases : There is no maximum limit. However, the acceptance
of any case is subject to Board Approved Underwriting Policy (BAUP).

1
 Option / PPT Regular Pay Single Pay Limited Pay
Premium Life^
Yes Yes 2 years to any PPT
Payment Term Life Plus
less than the PT
(PPT) Life Goal No
^ For age at entry greater than 65 years only single pay will be allowed

All ages are expressed as on last birthday. For all ages, risk commences from the date of
inception of the contract.
Minimum/Maximum premium will be consistent with Minimum/Maximum Sum Assured.
Premium will vary depending on the plan option chosen.
For non-annual modes, premiums paid are calculated as: annual premium multiplied by
a conversion factor as given below:
Frequency Conversion Factor
Half-yearly 0.5100
Quarterly 0.2600
Monthly 0.0875
The product can also be purchased online via company website.

PLAN OPTIONS

Following options are available under the plan where the premium will vary depending
upon the option chosen:

Under this option, the life assured is covered for death benefit
1 Life during the policy term, which can be accelerated in the case of
diagnosis of terminal illness.

Under this option, the life assured is covered for death benefit,
which can be accelerated in the case of diagnosis of terminal illness.
2 Life Plus An additional amount will be payable in case of accidental death
during policy term.

Under this option, the sum assured payable on death would vary
3 Life Goal with the policy year, in accordance with the ‘Level Cover Period’ and
‘Amortisation Rate’ as chosen by the policyholder.

The policyholder can choose any one of the above options, 1, 2 & 3 at the outset.

2
 BENEFITS PAYABLE UNDER VARIOUS PLAN OPTIONS

1 . Life Option:
Under this option, the life assured is covered for death benefit during the policy term, which
can be accelerated in the case of diagnosis of terminal illness.
The policy could be purchased on a single life basis or Spouse Cover could be opted for as
well. For details on the Spouse Cover, please refer to ‘Spouse Cover option’ section.
Example: Mr. Bansal, a 35 years old gentleman, buys the Option A of Life Option of HDFC
Life Click 2 Protect Super for a policy term of 40 years, regular pay, and avails a level cover
of INR 1,00,00,000 by paying a premium of `20,033 annually (excluding taxes).
Mr. Bansal passes away in the 7th policy year. His nominee will receive a lump sum
benefit of ` 1,00,00,000.

Total Premiums Paid: `1,40,231

On death of the Life Assured
during the 7thPolicy Year, a lump
sum benefits `10,000,000
is paid out to the Nominess
Policy
Starts 0 1 2 3 4 5 6

Policy Terminates

Policy Term (40 years)

Annualized premium `20,033

Death Benefit:
“Death Benefit” is payable as a lump sum if life assured dies during the policy term. It
is the higher of:
Sum Assured on Death × SA Factor applicable in the policy year of death
105% of Total Premiums Paid

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SA Factor will be based on the option chosen by the policyholder:
Optio
n SA Factor
A Equal to 100% throughout the policy term
Equal to 100% during the first 5 policy years and then a simple
increase of 10% after every 5 years, subject to a cap of 200%:
Policy Year SA Factor Policy Year SA Factor
1 to 5 100% 31 to 35 160%
B 6 to 10 110% 36 to 40 170%
11 to 15 120% 41 to 45 180%
16 to 20 130% 46 to 50 190%
21 to 25 140% 51+ 200%
26 to 30 150%

Equal to 100% in the first policy year and then a simple increase of 5%
every subsequent year, subject to a cap of 200%:
Policy Year SA Factor Policy Year SA Factor Policy Year SA Factor
1 100% 8 135% 15 170%
2 105% 9 140% 16 175%
C 3 110% 10 145% 17 180%
4 115% 11 150% 18 185%
5 120% 12 155% 19 190%
6 125% 13 160% 20 195%
7 130% 14 165% 21+ 200%

In the event of any claim for Terminal Illness or under any additional options chosen,
there will be no further change in SA Factor and the same will remain level throughout
the outstanding policy term.
Sum Assured on Death for Single Pay (SP) is the highest of:
125% of Single Premium
Sum Assured on Maturity
Basic Sum Assured
Sum Assured on Death for Other than Single Pay (Limited Pay and Regular Pay) is the
highest of:
10 times of the Annualized Premium
Sum Assured on Maturity
Basic Sum Assured

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Where,
a) 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.
b) Total Premiums Paid are the total of all the premiums received, excluding any extra
premium, any rider premium and taxes. Where additional options have been select-
ed, Total Premiums Paid includes premium paid for base option as well as the premi-
um paid for additional options selected.
C) 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 con-
ditions of the policy or an absolute amount of benefit which is available to meet the
health cover.
d) Basic Sum Assured is the amount of sum assured chosen by the policyholder.
e) 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.
Terminal Illness Benefit:
Sum Assured on Death, up to a maximum of Rs. 2 Cr. will be accelerated in case of diagno-
sis of terminal illness during the policy term as mentioned below. In case of diagnosis of
terminal illness at ages greater than 80 years, death benefit will not be accelerated.
Upon payment of Terminal Illness benefit:
a) If Death Benefit at the time of claim is equal to Terminal Illness benefit, the policy will
terminate. Or,
b) If Death Benefit at the time of claim is greater than Terminal Illness benefit, the policy
will continue for the balance death benefit.
Please note that acceleration of death benefit is not an additional benefit; it only facili-
tates an earlier payment of death benefit on prior diagnosis of terminal illness.
A life assured shall be regarded as terminally ill only if that life assured is diagnosed as
suffering from a condition which, in the opinion of two independent medical practitioners’
specializing in treatment of such illness, is highly likely to lead to death within 6 months.
The insured must not be receiving any form of treatment other than palliative medication
for symptomatic relief. The terminal illness must be diagnosed and confirmed by medi-
cal practitioners registered with the Indian Medical Association and approved by the
Company. The Company reserves the right for independent assessment.
Maturity Benefit:
On survival until Maturity, Sum Assured on Maturity will be payable, which will be equal to
100 % of the Total Premiums Paid, if Return of Premium option is selected, Nil otherwise.
2. Life Plus Option
Under this option, the life assured is covered for death benefit, which can be accelerated
in the case of diagnosis of terminal illness. An additional amount will be payable in case

5
of accidental death during policy term.
The policy could be purchased on a single life basis or Spouse Cover could be opted for
as well. For details on the Spouse Cover, please refer to ‘Spouse Cover option’ section.
Death Benefit:
“Death Benefit” is payable as a lump sum if life assured dies during the policy term. It is
the higher of:
Sum Assured on Death
105% of Total Premiums Paid
Sum Assured on Death for Single Pay (SP) is the highest of:
125% of Single Premium
Sum Assured on Maturity
Basic Sum Assured
Sum Assured on Death for Other than Single Pay (Limited Pay and Regular Pay) is the highest of:
10 times of the Annualized Premium
Sum Assured on Maturity
Basic Sum Assured

Accidental Death Benefit:

In addition to death benefit as defined above, an amount equal to Sum Assured on
Death will be payable in case of accidental death.
In case the event which has caused death due to an Accident occurred during the Policy
Term and death occurs after the Policy Term but within 180 days from the date of Acci-
dent, the Accidental Death Benefit shall be payable.
Terminal Illness Benefit:
Death benefit would be accelerated on diagnosis of specified terminal illnesses. In case
of diagnosis of terminal illness at ages greater than 80 years, death benefit will not be
accelerated. Please note that acceleration of death benefit is not an additional benefit;
it only facilitates an earlier payment of death benefit on prior diagnosis of terminal
illness.
A life assured shall be regarded as terminally ill only if that life assured is diagnosed as
suffering from a condition which, in the opinion of two independent medical practi-
tioners’ specializing in treatment of such illness, is highly likely to lead to death within 6
months. The insured must not be receiving any form of treatment other than palliative
medication for symptomatic relief. The terminal illness must be diagnosed and con-
firmed by medical practitioners registered with the Indian Medical Association and
approved by the Company. The Company reserves the right for independent assess-
ment.

6
Maturity Benefit:
On survival until Maturity, Sum Assured on Maturity will be payable, which will be equal to
100% of the Total Premiums Paid, if Return of Premium option is selected, Nil otherwise.
3. Life Goal Option
Under this option, the sum assured payable on death would vary with the policy year, in
accordance with the ‘Level Cover Period’ and ‘Amortisation Rate’ as chosen by the policy-
holder.
The policyholder can choose:
1. Level Cover Period – This is initial policy year(s) during which life cover would remain
level. The Level Cover Periods can be chosen subject to the following conditions:
(a) In case of Limited Pay policies, the Level Cover Period should be at least equal to
the PPT.
(b) In case of Limited Pay as well as Single Pay policies, Policy Term less Level Cover
Period should be at least equal to 5 years.
2. Amortization Rate – This is the rate at which life cover would reduce post the Level
Cover Period. The policyholder can choose any rate between 0% and 20% p.a
(both inclusive).
The policy will start with a SA Factor of 100% in the first policy year and at the end of
every subsequent policy year it will be calculated as follows:

During Level Cover Period

SA Factor(t) = 100%

Post Level Cover Period - If Amortization Rate is equal to 0%

SA Factor(t) = SA Factor(t-1) – (1 ÷ Reduction Term)

Post Level Cover Period - If Amortization Rate is greater than 0%

SA Factor(t) = SA Factor(t-1) × (1+ Amortization Rate) – Amortization Rate ÷ (1 – 1 ÷ (1 +
Amortization Rate) ^ Reduction Term)

Where,
t = policy year
Reduction Term = Policy Term - Level Cover Period
A policy will not be issued if the Death Benefit in any policy year falls below the minimum
required amount as per IRDAI (Insurance Products) Regulations, 2024, as modified from
time to time. The below table gives SA Factors for a few sample cases at the end of
every policy year:

7
 Level Cover Period 0 years 5 years 5 years 10 years
Amortization Rate 10% 10% 0% 15%
PPT Single Pay Single Pay 5 Years 10 Years
Policy Term 20 years 20 years 20 years 20 years

Policy Year Example 1 Example 2 Example 3 Example 4

1 98.25% 100.00% 100.00% 100.00%
2 96.33% 100.00% 100.00% 100.00%
3 94.22% 100.00% 100.00% 100.00%
4 91.90% 100.00% 100.00% 100.00%
5 89.34% 100.00% 100.00% 100.00%
6 86.53% 96.85% 93.33% 100.00%
7 83.44% 93.39% 86.67% 100.00%
8 80.03% 89.58% 80.00% 100.00%
9 76.29% 85.39% 73.33% 100.00%
10 72.17% 80.78% 66.67% 100.00%
11 67.65% 75.72% 60.00% 95.07%
12 62.66% 70.14% 53.33% 89.41%
13 57.18% 64.01% 46.67% 82.90%
14 51.16% 57.26% 40.00% 75.41%
15 44.53% 49.84% 33.33% 66.79%
16 37.23% 41.68% 26.67% 56.89%
17 29.21% 32.70% 20.00% 45.49%
18 20.39% 22.82% 13.33% 32.39%
19 10.68% 11.95% 6.67% 17.33%

Death Benefit:
“Death Benefit” is payable as a lump sum if life assured dies during the policy term. It is
equal to the Sum Assured on Death, which is calculated as:
Basic Sum Assured × SA Factor applicable in the policy year of death
Maturity Benefit:
NIL

Additional benefits available under the Product:

1) Return of Premium (ROP) Option

If this option is chosen, policyholder will have to pay an additional premium over and
above that payable for the base plan and he/she will receive a return of 100% of the

8
 Total Premiums paid as lump sum, upon survival till maturity.
This additional option can be chosen only at policy inception and will be available
only where:
Life Goal Option has not been selected
All policy terms between 10 and 40 years for Single, Regular and 5 Pay.
All policy terms between 15 and 40 years for 6, 7, 8, 10 and 12 Pay.
Policy Term is between 20 and 40 years for Premium Paying Term – 15 years.
Policy Term is between 25 and 40 years for Premium Paying Term – 20 years.
Policy Term is between 30 and 40 years for Premium Paying Term – 25 years.
To avail this option, additional premium shall be payable. Once chosen, the policy
holder doesn’t have the option to opt out of this benefit.
2) Waiver of Premium on CI (WOP CI) Option
If this option is selected, all future premiums payable under the plan will be waived, if
the life assured is diagnosed with any of the covered critical illnesses and the life
cover, accidental death cover
(if applicable) and terminal illness cover (if applicable) continues.
This option can be chosen only at policy inception and will be available only where
premium payment term is other than Single Pay.
To avail this option, additional premium shall be payable. Once chosen, the policy
holder doesn’t have the option to opt out of this benefit.
3) Waiver of Premium on Total and Permanent Disability (WOP Disability) Option
If this additional option is selected, all future premiums payable under the plan will be
waived, in case of occurrence of total and permanent disability and the life cover,
accidental death cover (if applicable) and terminal illness cover (if applicable) con
tinues.
This option can be chosen only at policy inception and will be available only where
premium payment term is other than Single Pay.
To avail this option, additional premium shall be payable. Once chosen, the policy
holder doesn’t have the option to opt out of this benefit.
4) Spouse Cover Option
If this additional option is selected, then upon the Life assured’s death:

9
 The spouse will get a death benefit cover equal to a chosen percentage of the life
assured’s basic sum assured for the outstanding policy duration. This chosen per
centage shall be subject to the BAUP with a maximum cap of 50%.
Any future premiums, if payable under the contract, shall be waived off.
How it works!
In the event of unfortunate death of the Life Assured, the sum assured on death will be
paid out to nominee. The spouse cover will then start and shall be equal to a chosen
percentage of the life assured’s basic sum assured, as opted at policy inception.
This spouse cover will be in addition to the death benefit payable on the life
assured’s death. In case of the death of spouse before the death of life as sured, the
spouse cover will terminate and no additional benefits shall be payable.
Other conditions applicable for this benefit
This option can be selected only at inception
This option is not available with Life Goal option
Life Assured should be married and age difference between Life Assured and
spouse should be maxi mum 10 years
Availability of this additional option will be subject to the BAUP
Once opted for, the policyholder doesn’t have the option to opt out of this benefit
This additional benefit/coverage will not be paid/granted under the following situa-
tions and the policy will terminate:
In the event of the occurrence of simultaneous death of the life assured and
spouse or death of the spouse arising directly or indirectly due to the same event
which caused the death of the life insured.
If the spouse has attained the age of 75 years at the time of death of the life
assured.
In case of death of spouse due to suicide within 12 months from the date of
death of life assured
In case of death of life assured due to suicide within 12 months from the date of
commencement of risk of the policy or the date of revival of the policy, whichever
is later
To avail this option, additional premium shall be payable.
5) Death benefit as Instalment Option
If this option is selected, the nominee will receive full or part of the death benefit in
instalments.
The conditions for choosing this option:
This option can be chosen by the policyholder at policy inception or by the nominee
at the time of claim.

10
 This option can be opted for full or part of death claim proceeds payable under
the policy. The instalment can be taken over a chosen period of 5 to 15 years
The instalment shall be paid in advance based on the frequency chosen by the nomnee
or the policy holder, which can be either yearly, half-yearly, quarterly or monthly. The
instalment amount shall be calculated such that the present value of the instal
ments, using a given interest rate, shall equal the amount of death benefit chosen to
be taken as instalments under the policy. This amount shall be a level amount and once
chosen by the nominee shall remain fixed over the instalment period.
The interest rate used to compute the instalment amount shall be equal to the annualized
yield on 10 year G-Sec (over last 6 months & rounded down to nearest 25bps) less 25
basis points. The interest rate shall be reviewed half-yearly and any change in the
interest rate shall be effective from 25th February and 25th August each year. The interest
rate shall be revised every time there is a change, as per the above formula. In case of a
revision in interest rate, the same shall apply until next revision. The source of 10-year
benchmark G-sec yield shall be RBI Negotiated Dealing System-Order Matching
segment (NDS-OM).
At any time during the instalment payment phase, the nominee can choose to terminate
the instalment payment in exchange for a lump-sum, in which case, the lump-sum
payable shall be equal to the discounted value of all the future instalments due. The
interest rate used to calculate the discounted value will be that as applicable on date
of termination, using the above mentioned formula.
No additional premium is payable for this option.
6) Option to alter premium frequency
The policyholder has the option to alter the premium frequency during the premium
payment term.
7) Option to change Premium Payment Term from Regular Pay to Limited Pay
Under this option, the policyholder can choose to convert the outstanding regular
premiums into any limited premiums period available under the product.
Such alterations shall be in accordance with the BAUP and the premium rates under
such circumstances shall be charged as filed under the product.
8) Renewability Option at Maturity
At maturity, the policyholder can choose to extend the term of their policy. This option
can be exercised a maximum of five times and its availability is subject to BAUP. The
additional premium payable for the extended term will be based on the following:
Attained age at the time of maturity
The chosen increase in policy term
The “incremental” table instead of the applicable table during the original policy term.

11
 This option will be available only where:
Premium payment term is Regular Pay
Additional Options of Return of Premium (ROP) or Waiver of Premium on CI (WOP
CI) or Waiver of Premium on Total and Permanent Disability (WOP Disability) or
Spouse Cover have not been selected
Life Option (Variant A) or Life Plus Option has been selected
9) Life Stage Option
This option will have to be selected at inception. The policyholder may opt to increase
the Sum Assured without underwriting on any of the below specified events in the life
of the life assured:
1st Marriage: 50% of Basic Sum Assured subject to a maximum of `50 lakhs
Birth of 1st child: 25% of Basic Sum Assured subject to a maximum of `25 lakhs
Birth of 2nd child: 25% of Basic Sum Assured subject to a maximum of `25 lakhs
This option will be available only where:
Life Option or Life Plus Option has been opted and is subject to BAUP.
The Life Assured is less than 45 years of age at the time of the above mentioned
events.
The Life Assured is underwritten as a standard life at policy inception.
This option can only be exercised within a period of six months from the date of
the above specified events.
An additional premium will be charged for the increase in the Sum Assured.
The premium rate applicable, for the additional Sum Assured shall be as per the
premium table "Incremental". This premium rate shall be based on the age
attained and outstanding policy term at the time of the exercise of option. The
availability of this option shall be subject to applicable boundary
conditions under the product.
The premium rates applicable shall be those applicable as at policy inception.
This option shall be available only if no claim has been made under the policy.
If any rider is attached to the policy and the rider benefit has been paid during the
policy term, then this option cannot be exercised.

10) Parent Secure Option

This option will have to be selected at inception. Under this option, the policyholder may
opt for death benefit to be payable as instalments to the nominee. The instalment shall
be payable as regular payouts till at least one nominee is alive. There can be a maxi-
mum of two nominees under this option.
The death benefit as instalments will be payable, for the nominee (s) will be pre-de-
fined by the company as a fixed percentage of the Death Benefit, as specified below:

12
 Entry Age of Nominee* 1 Nominee 2 Nominee Monthly
1 Nominee 2 Nominee
50 to 64 years 7.00% 6.00% 0.56% 0.48%
65 years & above 8.00% 7.00% 0.64% 0.56%

*Younger nominee in case there are two nominees

This option can be chosen only at Policy inception. Once chosen, the Policyholder
cannot opt out of this option.
This option is available only where:
• Life Option has been selected.
• The nominee can be either your parent(s)/grandparent(s).
• Age of each nominee (s) is 50 years or above. In case, two nominees are opted for, the
age of younger nominee will be considered.
• Policy term is between 15 to 40 years.
• Death benefit as Installment option has not been selected.
• Spouse Cover Option and Life Stage Option have not been selected.
In case of death of nominee (s) before Life Assured & death of Life Assured occurs during
policy term, then death benefit as lump sum will be payable to legal heir of Life Assured.
The payout will cease on the death of nominee (s). In case of any change in nominee,
this option shall immediately terminate.
The instalment will be paid in advance at the monthly or yearly frequency as specified
by the Policyholder. The instalment amount will be calculated basis the age of the
nominee (s), Basic Sum Assured and number of nominees chosen.
At any time during the instalment payment phase, the nominee cannot terminate the
instalment payment in exchange for a lump-sum.
No additional Premium is payable for this option.

NON PAYMENT OF PREMIUMS

Grace Period is the time provided after the premium due date during which the policy is
considered to be in-force with the risk cover. This plan has a grace period of 30 days for
yearly, half yearly and quarterly frequencies from the premium due date. The grace
period for monthly frequency is 15 days from the premium due date.
Should a valid claim arise under the policy during the grace period, but before the pay-
ment of due premium, we shall still honor the claim. In such cases, the due and unpaid
premium for the policy year will be deducted from any benefit payable.

13
Paid-Up
A policy will acquire a paid-up value only:
Where Return of Premium is selected with Limited Pay/Regular Pay, and
When premiums are paid for at least 1 full year and after completion of first policy year
In all other cases, the policy lapses on premium discontinuance without any paid-up value.
If a policy has acquired paid-up value and stops paying premiums:
(i) Death benefit shall be the highest of:
Sum Assured on Death × SA Factor^ × (Total Premiums Paid ÷ Total Premiums Payable)
105% of Total Premiums Paid
^ Where SA Factor is:
-The SA Factor applicable in the policy year of death where Life Option has been chosen
-Equal to 1 in all other cases
(ii) Accidental Death benefit (where applicable) shall be calculated as
Sum Assured on Death × (Total Premiums Paid ÷ Total Premiums Payable)
(iii) Maturity Benefit (where applicable) shall be calculated as:
Sum Assured on Maturity × (Total Premiums Paid ÷ Total Premiums Payable)
(iv) Surrender benefit shall be calculated as shown below.

SURRENDER / UNEXPIRED RISK PREMIUM VALUE

Where Return of Premium Option has been selected

Guaranteed Surrender Value (GSV) gets acquired immediately upon payment of pre-
mium in case of Single Pay and upon payment of premiums for at least 2 years in case
of Limited Pay/Regular Pay.
The Company may pay a surrender value higher than the GSV in the form of a Special
Surrender Value (SSV).
SSV shall become payable after completion of first policy year provided one full year
premium has been received for Limited/Regular Pay and immediately on the receipt of
single premium for Single Pay
Surrender Value will be the higher of Guaranteed Surrender Value (GSV) and Special
Surrender Value (SSV).
Where,
GSV = GSV Factor% × Total Premiums Paid
SSV shall be calculated as the expected present value of:
i) Paid-up guaranteed future benefits on death, survival/maturity and
ii) accrued / vested benefits, duly allowing for survival benefits already paid, if any
The discount rate used to calculate the expected present value shall be equal to the
yield on 10 Year G-Sec plus 50 basis points.

14
 Currently, the interest rate used for calculating the expected present value is 7.75% p.a.
The discount rates shall be reviewed at least once annually and in case of any signifi-
cant movement in the yields. The revised discount rates shall apply to all policies
including the policies already sold.

Where Return of Premium Option has not been selected

Policy cancellation value (i.e. Unexpired Risk Premium value) gets acquired immediately
upon payment of premium in case of Single Pay and upon payment of premiums for at
least 1 full year and after completion of first policy year in case of Limited Pay. In all other
cases, the policy lapses on premium discontinuance without any value.
Policy cancellation value (if acquired) shall be payable:
Upon death of the life assured during revival period, or
At the end of the revival period if the policy is not revived
The amount payable will be as below:
PCV Factor × Total Premiums Paid1× Unexpired Policy Term2 ÷ Original Policy Term
Where, PCV Factor is as follows:
Policy Year PCV Factor
During PPT or if all due premiums have not been paid 30%
Post PPT if all due premiums have been paid 50%

1 If the policyholder has exercised the option to change premium payment term, Total
Premiums Paid will include premiums paid only from the date of converting to Limited
Pay and Original Policy Term will be the outstanding policy term on the date of convert-
ing to Limited Pay.
2 Unexpired Policy Term shall be calculated on the earlier of date of surrender and the
date till which premiums have been paid.

SMART EXIT BENEFIT

The policyholder has an option to receive Smart Exit Benefit, equal to Total Premiums
Paid** under the policy. No additional premium is payable to avail this option.
This option can be exercised by cancelling the policy subject to the following conditions:
This option can be exercised in any policy year greater than 30, but not during the
last 5 policy years.
The policy has to be in-force at the time of exercising this option.
This option shall not be available where:
- Life Goal option has been selected
- Where Return of Premium option has been selected
** If the policyholder has exercised the option to change premium payment term, Total Premiums
Paid will include premiums paid only from the date of converting to Limited Pay.

15
 REVIVAL

Yes, If the Policy has been discontinued due to the non-payment of Premium, it may be
revived/ restored by the Insurer with all the benefits mentioned in the Policy document,
with or without rider benefits, if any, upon the receipt of all the Premiums due and other
charges/late fee, if any, during the revival period, as per the terms and conditions of the
Policy, upon being satisfied as to the continued insurability of the insured/Policyholder
on the basis of the information, documents and reports furnished by the Policyholder;
in accordance with Board approved Underwriting Policy. The current rate of interest is
9.5% p.a.
The application for the revival should be made within five years from the due date of
the first unpaid Premium and before the expiry of the Policy Term. Once the Policy is
revived, you are entitled to receive benefits as per the Policy.
The revival interest shall be reviewed half-yearly and it will be reset to: Average Annu-
alized 10-year benchmark G-Sec Yield (over last 6 months & rounded up to the nearest
50 bps) + 2%. The change in revival rate shall be effective from 25th February and 25th
August each year. Any change on basis of determination of interest rate for revival will
be done only after prior approval of the Authority.
Once the policy is revived, you are entitled to receive all contractual benefits.

RIDERS
We offer the following Rider options (as modified from time to time) to help you enhance
your protection:
Rider UIN Scope of Benefits**
It is a Non-Linked, Non- Participating/Participat-
ing, Pure risk premium, Individual Life rider. A ben-
HDFC Life Income
Benefit on Accidental efit equal to 1% of Rider Sum Assured per month
101B041V01
Disability Rider – Non for the next 10 years, in case of an Accidental Total
Linked Permanent Disability. There is no maturity benefit
available under this rider.

**For all details on Riders, kindly refer to the Rider Brochures available on our website.

16
Rider UIN Scope of Benefits**
It is a Non-Linked, Non- Participating/Participat-
ing, Pure risk premium, Individual Life/Health rider.
HDFC Life Protect A benefit as a proportion of the Rider Sum
Plus Rider – Non 101B040V01 Assured shall be payable in case on accidental
Linked death or partial/total disability due to accident or
if you are diagnosed with cancer as per the
option chosen under this rider. No maturity bene-
fit is payable under this rider.

It is a Non-Linked, Non- Participating/Participat-

ing, Pure risk premium, Individual Health rider. A
lump sum benefit equivalent to Rider Sum
Assured shall be payable on diagnosis of any of
HDFC Life Health Plus
101B031V02 the covered 60 Critical Illnesses or bene¬fit as a
Rider – Non Linked proportionate of the Rider Sum Assured shall be
payable on diagnosis of Early Stage Cancer /
Major Cancer depending on the option chosen.
No maturity benefit is payable under this rider.

**For all details on Riders, kindly refer to the Rider Brochures available on our website.

Riders will be offered along with the options mentioned in the following table:
Name of the Rider Life Life Plus Life Goal
HDFC Life Income Benefit on Accidental
Disability Rider – Non Linked Yes
Option A:
Personal Accident Cover
HDFC Life Protect Yes No Yes
Option B:
Plus Rider – Accidental Death Cover
Non Linked
Option C:
Cancer Cover Yes
Option A:
HDFC Life Health Comprehensive CI Cover Yes
Plus Rider - Option B:
Non Linked Cancer Cover

17
In case of Life Goal option, riders shall be offered during Level Cover Period only. For all
other options, the rider PT and PPT shall be consistent with the base policy’s PT and PPT.
Riders will not be offered if the policy term/premium payment term of the rider
exceeds outstanding policy term/ premium payment term under the base policy.

While attaching riders to the base option(s) under the product, it will be ensured that
there is no overlap in benefits offered under different riders & base product. In case of
an overlap, the rider(s) shall not be attached.

TERMS & CONDITIONS

We recommend that you read and understand this product brochure & customized
benefit illustration and understand what the plan is, how it works and the risks involved
before you purchase.

A) Risk Factors:
(1) HDFC Life Insurance Company Limited is the name of our Insurance Company and
“HDFC Life Click 2 Protect Super” is the name of this plan. The name of our company
and the name of our plan do not, in any way, indicate the quality of the plan, its
future prospects or returns.
(2) Please know the associated risks and the applicable charges, from your Insurance
agent or the Inter mediary or policy document issued by insurance company.

B) Exclusion
In case of death due to suicide within 12 months from the date of commencement of
risk under the policy or from the date of revival of the policy, as applicable, the nomi
nee or beneficiary of the policyholder shall be entitled to at least 80% of the total pre
miums paid till the date of death or the surrender value available as on the date of
death whichever is higher, provided the policy is in force.
a. Suicide Exclusion
In case of death due to suicide within 12 months from the date of commence
ment of risk under the policy or from the date of revival of the policy, as applica
ble, the nominee or beneficiary of the policyholder shall be entitled to at least 80%
of the total premiums paid till the date of death or the surrender value available
as on the date of death whichever is higher, provided the policy is in force.
b. Age Admitted
The Company has calculated the Premiums under the Policy on the basis of the
age of the Life Assured as declared in the Proposal. In case You have not provided
proof of age of the Life Assured with the Proposal, you will be required to furnish

18
 such proof of age of the Life Assured as is acceptable to us and have the age
admitted. In the event the age so admitted (“Correct Age”) during the Policy Term
is found to be different from the age declared in the Proposal, without prejudice
to our rights and remedies including those under the Insurance Act, 1938, as
amended from time to time we shall take one of the following actions (i) if the
Correct Age makes the Life Assured ineligible for his Policy, we will offer him suit
able plan as per our underwriting norms. If you do not wish to opt for the alterna
tive plan or if it is not possible for us to grant any other plan, the Policy will stand
cancelled from the date of issuance and the Premiums paid under the Policy will
be returned subject to the deduction of expenses incurred by the Company and
the Policy will terminate thereafter; or (ii) if the Correct Age makes the Life ssured
eligible for the Policy, the difference between the revised Premium, as per the
Correct Age and the original Premium, with interest, will be due on the next
Policy Anniversary date and the revised Premium will continue for the rest of the
Premium Payment Term. The provisions of Section 45 of the Insurance Act, 1938
as amended from time to time shall be applicable.
c. Exclusions for Accidental Death benefit
Additional Accidental Death benefit will not be payable, if death is caused directly
or in-directly from any of the following:
• Any condition, ailment or Injury or related condition(s) for which the Life Assured
had signs or symptoms, and / or were diagnosed, and / or received medical
advice / treatment within 36 months to prior to this policy issued by the insurer or
at the time of reinstatement of the policy.
• The Life Assured taking part in any hazardous sport or pastimes (including hunting,
mountaineering, racing, steeple chasing, bungee jumping, etc., any underwater or
subterranean operation or activity and racing of any kind other than on foot.
• The Life Assured flying in any kind of aircraft, other than as a bonafide passenger
(whether fare paying or not) on an aircraft of a licensed airline.
• Self-inflicted Injury, suicide or attempted suicide-whether sane or insane
• Under the influence or abuse of drugs, alcohol, narcotics or psychotropic sub
stance not prescribed by a registered medical practitioner.
• Death occurs as a result of the insured person taking part in any naval, military or
air force operation during peace time
• War, civil commotion, invasion, terrorism, hostilities (whether war be declared or not).
• The Life Assured taking part in any strike, industrial dispute and riot.
• The Life Assured taking part in any criminal or illegal activity with criminal intent or
committing any breach of law including involvement in any fight or affray.
• Exposure to Nuclear reaction, Biological, radiation or nuclear or chemical
contamination.
• Physical handicap or mental infirmity.
• Any other exclusion that forms a part of policy document will also applicable.
d. Exclusions for WOP Disability Options
19
 We shall not be liable to make any payment under this Policy towards the TPD
benefit, directly or indirectly caused by, based on, arising out of or howsoever
attributable to any of the following:
• Pre-existing Disease means any condition, aliment, Injury or disease / Critical
Illness / disability:
o That is/are diagnosed by a physician within 36 months prior to the Risk com
mencement date of the Policy issued by the insurer or its reinstatement; or
o For which medical advice or treatment was recommended by, or received
from, a Physician 36 months Prior to the Risk commencement date of the Policy
issued by the insurer or its reinstatement.
Coverage under the Policy after the expiry of 48 36 months for any pre-existing
disease is subject to the same being declared at the time of application and
accepted by Insurer.
• Any disability caused due to treatment for, Alcoholism, drug or substance abuse
or any addictive condition and consequences thereof.
• Narcotics used by the Insured Person unless taken as prescribed by a registered
Medical Practitioner.
• Any disability caused due to intentional self-Injury, suicide or attempted suicide,
whether the person is medically sane or insane.
• Any disability, caused by or arising from or attributable to a foreign invasion, act
of foreign enemies, hostilities, warlike operations (whether war be declared or not
or while performing duties in the armed forces of any country during war or at
peace time), civil war, public defense, rebellion, revolution, insurrection, military or
usurped power.
• Service in any military, air-force, naval, paramilitary or similar organization.
• Any disability caused by ionizing radiation or contamination by radioactivity from
any nuclear fuel (explosive or hazardous form) or from any nuclear waste from
the combustion of nuclear fuel, nuclear, chemical or biological attack.
• Working in underground mines, tunneling or involving electrical installations with
high tension supply, or as race jockeys or circus personnel.
• Congenital External Anomalies, inherited disorders or any complications or condi
tions arising therefrom including any developmental conditions of the Insured.
• Any disability caused by any treatment necessitated due to participation as a
professional in hazardous or adventure sport, including but not limited to, para
jumping rock climbing, mountaineering, rafting, motor racing, horse racing or
scuba diving, hand gliding, sky diving, deep sea diving and selfie Accidents.
• Participation by the Insured Person in any flying activity, except as a bona fide,
fare- paying passenger of a recognized airline on regular routes and on a
scheduled timetable.
• Any disability, caused by Medical treatment traceable to childbirth (including
complicated deliveries and caesarean sections incurred during hospitalization)
except ectopic pregnancy. Any disability due to miscarriages (unless due to an
Accident) and lawful medical termination of pregnancy during the Policy period.

20
• Any disability, caused by any unproven / experimental treatment, service and
supplies for or in connection with any treatment. Unproven / experimental treat
ments are treatments, procedures or supplies that lack significant medical docu
mentation to support their effectiveness.
• Any disability based on certification/diagnosis/treatment from persons not regis
tered as Medical Practitioners, or from a Medical Practitioner who is practicing
outside the discipline that he/ she is licensed for.
• Any disability, caused due to any treatment, including surgical management, to
change characteristics of the body to those of opposite sex.
• Any disability caused due to cosmetic or plastic surgery or any treatment to
change the appearance unless for reconstruction following an Accident, Burn(s),
or Cancer or as part of medically necessary treatment to remove a direct and
immediate health risk to the insured. For this to be considered a medical necessity,
it must be certified by the attending Medical Practitioner.
• Any disability, caused due to surgical treatment of obesity that does not fulfil all
the below conditions:
a. Surgery to be conducted is upon the advice of the Doctor
b. The Surgery/Procedure conducted should be supported by clinical protocols
c. The member has to be 18 years of age or older and
d. Body Mass Index (BMI):
 greater than or equal to 40 or
 greater than or equal to 35 in conjunction with any of the following severe
co- morbidities following failure of less invasive methods of weight loss:
i. Obesity related cardiomyopathy
ii. Coronary heart disease
iii. Severe Sleep Apnea
iv. Uncontrolled Type 2 Diabetes despite optimal therapy
• Any disability caused due to treatments received in health hydros, nature cure
clinics, spas or similar establishments or private beds registered as a nursing
home attached to such establishments or where admission is arranged wholly or
partly for domestic reason.
• Any disability, caused by treatment directly arising from or consequent upon any
Insured Person committing or attempting to commit a breach of law with criminal
intent.
• In the event of the death of the Insured Person within the stipulated survival
period.
• Any disability, caused by sterility and infertility. This includes:
• Any type of contraception, sterilization
• Assisted Reproductive services including artificial insemination and advanced
reproductive technologies such as IVF, ZIFT, GIFT, ICSI
• Gestational Surrogacy
• Reversal of sterilization

21
C) Tax Benefits
Tax benefits under this plan may be available. Premiums paid by an individual or HUF
under this plan and the benefits received from this policy may be eligible for tax
benefits as per the applicable sections of the Income Tax Act, 1961, as amended
from time to time.
You are requested to consult your tax advisor for advice on Tax Benefits.

D) Cancellation in the Free-Look period:

In case as the policyholder you disagree to any policy terms and conditions under this
product, you have the option of returning the policy to us stating the reasons there of,
within 30 days from the date of receipt of the policy, whether received electronically or
otherwise as per IRDAI (Protection of Policyholders’ Interests, Operations and Allied
Matters of Insurers) Regulations, 2024, as modified from time to time. On receipt of the
letter along with the original policy document (original Policy Document is not required
for policies in dematerialised or where policy is issued only in electronic form), we shall
refund the premium, subject to deduction of the proportionate risk premium for the
period on cover, expenses incurred on medical examination of the proposer and
stamp duty charges.
E) An underwriting extra premium may be charged in case of Sub-standard lives and
Smokers as per our prevalent Underwriting policy.
F) Policy Loan:
You cannot avail any loans under this Policy.
G) Nomination as per Section 39 of the Insurance Act 1938 as amended from time to
time:
(1) The policyholder of a life insurance on his own life may nominate a person or
persons to whom money secured by the policy shall be paid in the event of his
death.
(2) Where the nominee is a minor, the policyholder may appoint any person to receive
the money secured by the policy in the event of policyholder’s death during the
minority of the nominee. The manner of appointment to be laid down by the
insurer.
(3) Nomination can be made at any time before the maturity of the policy.
(4) Nomination may be incorporated in the text of the policy itself or may be
endorsed on the policy communicated to the insurer and can be registered
by the insurer in the records relating to the policy.
(5) Nomination can be cancelled or changed at any time before policy matures, by

22
 an endorsement or a further endorsement or a will as the case may be.
(6) A notice in writing of Change or Cancellation of nomination must be delivered to
the insurer for the insurer to be liable to such nominee. Otherwise, insurer will not
be liable if a bonafide payment is made to the person named in the text of the
policy or in the registered records of the insurer.
(7) Fee to be paid to the insurer for registering change or cancellation of a nomination
can be specified by the Authority through Regulations.
(8) A transfer or assignment made in accordance with Section 38 shall automatically
cancel the nomination except in case of assignment to the insurer or other transferee
or assignee for purpose of loan or against security or its reassignment after repay
ment. In such case, the nomination will not get cancelled to the extent of insurer’s
or transferee’s or assignee’s interest in the policy. The nomination will get
revived on repayment of the loan.
(9) The provisions of Section 39 are not applicable to any life insurance policy to
which Section 6 of Married Women’s Property Act, 1874 applies or has at any time
applied except where before or after Insurance Laws (Amendment) Act 2015, a
nomination is made in favour of spouse or children or spouse and children
whether or not on the face of the policy it is mentioned that it is made under Section
39. Where nomination is intended to be made to spouse or children or spouse and
children under Section 6 of MWP Act, it should be specifically mentioned on the
policy. In such a case only, the provisions of Section 39 will not apply.
H) Assignment as per Section 38 of the Insurance Act 1938 as amended from time to
time:
(1) This policy may be transferred/assigned, wholly or in part, with or without consideration.
(2) An Assignment may be effected in a policy by an endorsement upon the policy
itself or by a separate instrument under notice to the Insurer.
(3) The instrument of assignment should indicate the fact of transfer or assignment
and the reasons for the assignment or transfer, antecedents of the assignee and
terms on which assignment is made.
(4) The assignment must be signed by the transferor or assignor or duly authorized
agent and attested by at least one witness.
(5) The transfer or assignment shall not be operative as against an Insurer until a
notice in writing of the transfer or assignment and either the said endorsement or
instrument itself or copy there of certified to be correct by both transferor and
transferee or their duly authorized agents have been delivered to the Insurer.
(6) Fee to be paid for assignment or transfer can be specified by the Authority
through Regulations.

23
 (7) On receipt of notice with fee, the Insurer should Grant a written acknowledgement
of receipt of notice. Such notice shall be conclusive evidence against the insurer
of duly receiving the notice.
(8) The Insurer may accept or decline to act upon any transfer or assignment or
endorsement, if it has sufficient reasons to believe that it is (a) not bonafide or (b)
not in the interest of the policyholder or (c)not in public interest or (d) is for the pur
pose of trading of the insurance policy.
(9) In case of refusal to act upon the endorsement by the Insurer, any person
aggrieved by the refusal may prefer a claim to IRDAI within 30 days of receipt of
the refusal letter from the Insurer.
Section G (Nomination) and H (Assignment or Transfer) are simplified versions prepared
for general information only and hence are not comprehensive. For full texts of these
sections please refer to Section 38 and Section 39 of the Insurance Act, 1938 as amended
by The Insurance Laws (Amendment) Act, 2015.
I) 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 induce
ment 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 pro
spectuses 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.
J) Non-Disclosure: In accordance with Section 45 of the Insurance Act, 1938 as
amended from time to time:
(1) No policy of life insurance shall be called in question on any ground whatsoever
after the expiry of three years from the date of the policy, i.e., from the date of
issuance of the policy or the date of commencement of risk or the date of revival
of the policy or the date of the rider to the policy, whichever is later.
(2) A policy of life insurance may be called in question at any time within three years
from the date of issuance of the policy or the date of commencement of risk or
the date of revival of the policy or the date of the rider to the policy, whichever is
later, on the ground of fraud: Provided that the insurer shall have to communicate
in writing to the insured or the legal representatives or nominees or assignees of
the insured the grounds and materials on which such decision is based.
(3) Notwithstanding anything contained in sub-section (2), no insurer shall repudiate
a life insurance policy on the ground of fraud if the insured can prove that the
mis-statement of or suppression of a material fact was true to the best of his
knowledge and belief or that there was no deliberate intention to suppress the

24
 fact or that such mis-statement of or suppression of a material fact are within the
knowledge of the insurer: Provided that in case of fraud, the onus of disproving lies
upon the beneficiaries, in case the policyholder is not alive.
(4) A policy of life insurance may be called in question at any time within three
years from the date of issuance of the policy or the date of commencement of
risk or the date of revival of the policy or the date of the rider to the policy, which
ever is later, on the ground that any statement of or suppression of a fact
material to the expectancy of the life of the insured was incorrectly made in the
proposal or other document on the basis of which the policy was issued or revived
or rider issued: Provided that the insurer shall have to communicate in writing to
the insured or the legal representatives or nominees or assignees of the insured
the grounds and materials on which such decision to repudiate the policy of life
insurance is based: Provided further that in case of repudiation of the policy on
the ground of misstatement or suppression of a material fact, and not on the
ground of fraud, the premiums collected on the policy till the date of repudiation
shall be paid to the insured or the legal representatives or nominees or
assignees of the insured within a period of ninety days from the date of such
repudiation.
(5) Nothing in this section shall prevent the insurer from calling for proof of age at any
time if he is entitled to do so, and no policy shall be deemed to be called in ques-
tion merely because the terms of the policy are adjusted on subsequent proof
that the age of the Life Insured was incorrectly stated in the proposal.
K) In case of fraud or misstatement including non-disclosure of any material facts, the
Policy shall be cancelled immediately and the Surrender Value shall be payable,
subect to the fraud or misstatement being established in accordance with Section 45
of the Insurance Act, 1938, as amended from time to time.

L) This is not a comprehensive list of amendments of Insurance Laws (Amendment) Ordi

nance, 2014 and only a simplified version prepared for general information. Policy
Holders are advised to refer to Original
Ordinance Gazette Notification dated December 26 , 2014 for complete and accurate
details.
M)Taxes:
Indirect Taxes
Taxes and levies as applicable shall be levied as applicable. Any taxes, statutory levy
becoming applicable in future may become payable by you by any method including
by levy of an additional monetary amount in addition to premium and or charges.
Direct Taxes
Tax will be deducted at the applicable rate from the payments made under the policy,

25
 as per the provisions of the Income Tax Act, 1961, as amended from time to time.
N) A policyholder can now have his life insurance policies in dematerialized form
through a password protected online account called an electronic Insurance
Account (eIA). This eIA can hold insurance policies issued from any insurer in dema-
terialized form, thereby facilitating the policy holder to access his policies on a
common online plat form. Facilities such as online premium payment, changes in
address are available through the eIA. Furthermore, you would not be required to pro-
vide any KYC documents for any future policy purchase with any insurer. For more
information on eIA visit http://www.hdfclife.com/customer-service/life-insurance-poli-
cy-dematerialization.
O) Grievance Redressal Mechanism:
You can contact us at any of the below touchpoints in case of any concern:
Helpline number: 022-68446530 (Call Charges apply) | NRI Helpline number +91 89166
94100 (Call Charges apply)
E-mail Address: service@hdfclife.com | nriservice@hdfclife.com (For NRI customers only)
You can let us know of your concerns/grievances through any of below options:
• Option 1: Written letter duly signed by the policyholder at any HDFC Life Branch. There
is a Grievance Redressal Officer at the respective branch to address the customer’s
complaint.
To know more about branch address and timing's you can visit this
link: https://www.hdfclife.com/contact-us#BranchLocator . Please note, branches
are closed on Sundays, national holidays and region-specific public holidays.
• Option 2: Write to us from your registered email ID at service@hdfclife.com.
• Option 3: Visit us at our website https://www.hdfclife.com/customer-service/griev
ance-redressal
You may refer to the escalation matrix in case there is no response to a grievance within the
prescribed timelines
If you are not satisfied with our response, you may approach the Insurance Ombudsman
located in your region.
For more information on our Grievance Redressal Mechanism and the detailed address of
the Insurance Ombudsman, please refer Part G of the policy document given to you.

26
 Contact us today
To buy: 1800-266-9777 (Toll free)
(Available all days 10am to 7pm)
Visit us at www.hdfclife.com

HDFC Life Insurance Company Limited (“HDFC Life”). CIN: L65110MH2000PLC128245. IRDAI
RegistrationNo.101.
Registered Office: HDFC Life Insurance Company Ltd., Lodha Excelus, 13th Floor, Apollo Mills
Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011
Email: service@hdfclife.com, Tel. No: 022-68446530. Available Mon-Sat 10 am to 7pm (Local
charges apply). Website: www.hdfclife.com.
The name/letters "HDFC" in the name/logo of HDFC Life Insurance Company Limited (HDFC Life)
belongs to HDFC Bank Limited and is used by HDFC Life under a licence from HDFC Bank Limited.
HDFC Life Click 2 Protect Super (UIN: 101N145V05) is a Non-Linked, Non-Participating, Individual,
Pure Risk Premium/ Savings Life Insurance Plan. Life Insurance Coverage is available in this prod-
uct. This version of the Product brochure invalidates all previous printed versions for this particular
plan.HDFC Life Income Benefit on Accidental Disability Rider – Non Linked (UIN: 101B041V01) is a
Non-Linked, Non- Participating/Participating, Pure risk premium, Individual Life rider. HDFC Life
Protect Plus Rider – Non Linked (UIN: 101B040V01) is a Non-Linked, Non- Participating/Participat-
ing, Pure risk premium, Individual Life/Health rider. HDFC Life Health Plus Rider – Non Linked
(UIN: 101B031V02) is a Non-Linked, Non- Participating/Participating, Pure risk premium, Individu-
al Health rider. This Product brochure is indicative of the terms, warranties, conditions and exclu-
sions contained in the insurance policy. Please know the associated risk and applicable charges from
your insurance agent or the intermediary or policy document of the insurer.
ARN: PP/10/24/16669

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

• IRDAI or its officials do not involve in any activities of insurance business like selling insurance policies,
announcing bonus or investment of premiums, refund of amounts.
Policyholders or the prospects receiving such phone calls are requested to lodge a police complaint.