Insurance Plan HDFC

INSURANCE PLAN
A perfect insurance plan for 35 year old person earning 15 LPA ,

married and have two children .
 A person working in a private company earning 15
LPA married and have two kids’ wants to save 25%
of his income and spend 20% from his remaining
income on insurance premium annually.
INCOME
25%
SAVING
PREMIUM
55% OTHERS EXPENSES
20%
Introducing
Click 2 Protect
A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan
Life
Covers
COVID-19
claims1
Life cover of `1 Crore @ `25/day*

Auto balances Income payouts Option to reduce Premium Death and Critical from age 60Payment
Term from Illness cover^onwards #Regular Pay to Limited Pay
1) HDFC LIFE CLICK 2 PROTECT LIFE
(A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan )
Key Features
• Provides comprehensive financial protection to your family

• Option to choose a cover which fits your needs from 3 plan options
• Auto balances Death and Critical Illness benefits with increasing age^
• Get income payouts from age 60 onwards under Income Plus Option
• Option to avail cover for Whole of Life*
• Get back all premiums paid on survival till maturity with Return of Premium
option**
• Waiver of Premium on diagnosis of Critical Illness (through WOP CI option)#
• Additional Sum Assured on Accidental Death (through ADB option)#
•
Special premium rates for female lives and non-tobacco users
2. Life Protect
• 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. Niranjan, a 35 years old gentleman, buys the Life Protect
Option of HDFC Life Click 2 Protect Life for a policy term of 40 years,
regular pay, and avails a level cover of ` 1,00,00,000 by paying a premium of
`19,640 annually.
Mr. Niranjan passes away in the 7th policy year. His nominee will receive a
lump sum Benet of `1,00,00,000.
Total Premiums Paid: ` .1,37,480
Death Benefit:
“Death Benefit” is payable as a lump sum to your Nominee if you, the Life Assured die 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
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 benet is selected, Nil otherwise.
Upon the payment of death or maturity benet as above, the policy terminates and no further benefit are
payable.
2) my: health SurakshaSilver Smart, Gold Smart &
Platinum Smart Plans.
Key features of the policy:
1) Multiple sum insured options ranging from Rs. 3 Lacs to Rs. 75 Lacs available under
this policy .
2) Any age entry option with lifetime renewal.
3)Exclusive covers like Air ambulance cover, Recovery benefit, Infertility cover
4)Wellness features like Fitness discount@ renewal, Health incentives for maintenance of
health .
5)Flexi benefits like choosing room rent capping, co pay in order to avail discounts on
premium .
6) Various discount options to like family discount, long term policy discount, loyalty
discount .
7) Long term policy options up to 3 years with attractive premium rate u Option to pay
yearly premium in 3, 6 and 12 equal installments.
COVERAGE
SECTION A: HOSPITALIZATION COVER
Pays for Medically necessary hospitalization of an Insured Person due to Illness or

Injury sustained or contracted during the Policy Period.
1. Medical Expenses
i. Room rent, boarding and Nursing charges
ii. Intensive Care Unit charges
iii. Consultation fees
iv. Anesthesia, blood, oxygen, operation theatre charges, surgical appliances
v. Medicines, drugs and consumables
vi. Diagnostic procedures
vii.The Cost of prosthetic and other devices or equipment if implanted internally
during a Surgical Procedure.
Insured Person shall bear specified percentage of admissible Claim amount
under each and every Claim If Optional cover of Co-payment is opted for.
A)Mental Healthcare
Pays for Medical Expenses in case of hospitalization for any Mental
Illness contracted during the Policy Period in accordance with
the Mental Healthcare Act 2017, subsequent amendments and other
applicable laws and rules provided that:
 The Hospitalization is prescribed by a Medical Practitioner

for Mental Illness
 The Hospitalization is done in Mental Health Establishment
2)Home Healthcare
Pays for Hospitalization at home for Illnesses including but not
limited to following Medically necessary treatment, if prescribed by
treating Medical Practitioner. We will pay Medical Expenses incurred
for treatment of such Illness where opted.
• Gastroenteritis
• Bronchopneumonia
• Respiratory tract infection
• Chemotherapy
• Pancreatitis
• Dengue
• COPD management
• Hepatitis
• Fever management
This Cover can be availed through Cashless Facility only through our
network service provider
Insured Person shall bear specified percentage of admissible Claim
amount under each and every Claim If Optional cover of Co-payment
is opted for.

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INSURANCE PLAN

A perfect insurance plan for 35 year old person earning 15 LPA ,

Life cover of `1 Crore @ `25/day*

• Provides comprehensive financial protection to your family

Key features of the policy:

Pays for Medically necessary hospitalization of an Insured Person due to Illness or

 The Hospitalization is prescribed by a Medical Practitioner

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