HDFC life Insurance plans

HDFC Life Click 2 Protect Health Plan

HDFC Life and Apollo Munich Health Insurance have joined hands to bring you the benefits of health and life insurance in a comprehensive and affordable Click 2 Protect Health.

Why choose this plan?

  • Ease of purchase- No need to buy from different insurers.
  • Service touch points in over 600 branches of both insurers.
  • 5% discount* on total premium on purchase of Click 2 Protect Health.
  • Only plan that provides tax benefits under section 80C, 80D and 10D of the Income Tax Act, 1961.
  • A customer has to give a single cheque, go for single documentation and single medical test to buy this policy.
*Discount of 5% on annual premiums paid towards both Life & Health will be offered. If Customer decides to opt out of one of the products, the discount, if any, shall not be available to the Customer going forward.
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Eligibility Criteria Protection Health
All Options except Life Long Protection Option & 3D Life Long Protection Option Life Long Protection Option & 3D Life Long Protection Option
Min Age at Entry 18 years 25 years 91 days
Max Age at Entry 65 years 60 years 65 years
Min Policy Term 5 years Whole of Life 1 year or 2 year period (sum insured & benefits will applicable on policy year basis)
Max Policy Term 40 years
Premium Payment Mode Single Pay$, Regular Pay, Limited Pay : 5 years to 39 years Limited Pay : (65 - Age at Entry) Annual for 1 year policy period and single for 2 years policy period
Premium Payment Frequency Single, Annual, Semi-Annual, Quarterly, Monthly Annual, Semi-Annual, Quarterly, Monthly
Min Age at Maturity 23 Whole of Life Life Long on continuous Renewals
Max Age at Maturity 75
Min- Max Sum Assured/Insured 10,00,000-No Limit (Subject to Board Approved Underwriting Policy) 3 Lakh/5 Lakh/10 Lakh/15 Lakh/ 20 Lakh/ 25 Lakh/50 Lakh

Key features



  • Provide financial protection to you and your family at an affordable cost
  • Customize your plan with a choice of 9 plan options
  • All future premiums are waived on Accidental Total Permanent
  • Disability (Available under all options) and on diagnosis of Critical
  • Illness (available under 3D Life & 3D Life Long Protection options).
  • Protect yourself for whole of life with lifelong protection options
  • Flexibility to choose your policy and premium payment terms
  • Life Stage Protection feature offers to increase insurance cover on certain key milestones without medicals
  • Flexibility to increase your cover every year through top-up option
  • Special premium rates for female lives
  • Attractive premium rates for non-tobacco users
  • Tax benefits* under section 80C and 10 (10 D)as per prevailing tax laws


  • Restore benefit– A unique benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year.
  • Multiplier benefit– We will increase your basic sum insured by 50% for every claim free year upto 100% of basic sum insured
  • Stay Active benefit- Now with Stay Active benefit, simply walk your way to good health and earn upto 8% discount on your renewal premium.
  • Preventive Health Check-up- This Policy helps you keep track of your health status with its preventive health check up benefit offered at renewal irrespective of claim status
  • Lifelong renewal- Offers lifelong coverage on continuous renewal and stay covered forever
  • No sub-limit on room rent- With this health plan you can get the room you like and the treatment you deserve without a hassle
  • Cashless transaction- Policy enables you to get treated on a cashless basis across 4500 + network hospitals in over 830 cities.
  • No geography based sub-limits- No matter where you buy your policy you can get treated in any city or hospital you like in the country with no additional co pays or sub-limits
  • No claim based loading- We will never load your renewal premium because you claimed or fell ill after taking our policy
  • Quick turnaround time- You don't have to worry about claim pre-authorization, 90% of pre authorization is done within 2 hours
  • Quick claim payment- When it comes to claim settlement, we're one of the fastest in the industry to honor every genuine claim
  • Easy upgrade- This health plan also comes with an easy upgrade option. You can upgrade your cover to the next slab at the time of your policy renewal
  • You can avail tax benefits for the premium amount under Section 80 D of the Income Tax Act*

Benefits of HDFC Life Click 2 Protect Health Plan


Death benefit:
Death Benefit is the sum of: Sum Assured on Death & Series of all future monthly incomes (Only Applicable for Income Replacement Option)
Sum Assured on Death is defined as:
  • For Single Pay Policies
Highest of:
  1. 125% of Single Premium
  2. "Guaranteed Sum Assured on Maturity"
  3. "Absolute amount assured" to be paid on death
Highest of:
  1. 10 times of the Annualised Premium
  2. 105% of Total Premiums Paid
  3. "Guaranteed Sum Assured on Maturity"
  4. "Absolute amount assured" to be paid on death
Annualised premium shall be the premium payable in a year chosen by the policyholder, excluding the underwriting extra premiums, loadings for modal premiums, service tax and cess, if any.

Terminal illness benefit:
In this case, the payment of Death Benefit will be accelerated and the policy will terminate. This benefit is available under all plan options.

Benefit on Accidental & Total Permanent Disability (ATPD):
In this case, all future premiums payable under the plan will be waived on ATPD. This benefit is available under all plan options.

Critical Illness Benefit:
In this case, all future premiums payable under the plan will be waived, if the life assured is diagnosed with any of the 34 covered critical illnesses. This benefit is available under only 3D Life & 3D Life Long Protection options.

Accidental Death Benefit:
In this case, an Extra Life Sum Assured is paid along with the death benefit upon death of Life Assured due to accident. This benefit is available under only Extra Life & Extra Life income options.

Maturity Benefit:
In this case, all the premiums paid till date are returned back to the Life Assured upon survival till the end of the policy term. This benefit is available under only Return of Premium option

Life Stage Protection:
Under this feature, you have the option to increase the basic Sum Assured without underwriting on any of the below specified events in the life of the Life Assured
  • 1stMarriage: 50% of Sum Assured subject to a maximum of Rs. 50 lakhs
  • Birth of 1st child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs
  • Birth of 2nd child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs
This option is available for all plan options and is subject to Board Approved Underwriting Policy (BAUP)

Top Up Option:
With this option you may opt for a systematic increase of your cover from 1st policy anniversary onwards.
This option is available for all plan options has to be opted for at policy inception and is subject to BAUP.


Death benefit:
No death benefit is available under health section.

Restore Benefit:
A unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year.

Health Checkup:
Helps you keep track of your health status with its preventive health check up benefit offered at renewal irrespective of claim status. The health check up benefit is available once in 2 years on sum insured of Rs 5 lakhs and once every year on sum insured of Rs 10 lakhs & above.

Multiplier Benefit:
The amazing restore benefit also comes with a never before renewal incentive. If you've had a claim free year, we'll increase your basic sum insured by 50% as no claim bonus. If you don't claim even in the second year, we'll double your basic sum insured as no claim bonus i.e. 100% of the basic sum insured.

Critical Advantage Rider:
You can opt to cover yourself worldwide at network centers against treatment expenses for 8 major illnesses, that include Cancer, Coronary Artery by-pass surgery, Heart Valve replacement/ repair, Neurosurgery, Live Donor Organ Transplant, Bone Marrow Transplant, Pulmonary artery graft surgery and Aorta Graft Surgery. The rider offers you freedom to not only avail best healthcare services world over but also covers all travel costs for the insured and accompanying relative; accommodation expenses; second opinion & post hospitalization expenses.

Policy offers you easy portability, so that if you are insured under other insurer’s health insurance policy you can transfer to Apollo Munich with all your accrued benefits after due allowances for waiting periods and enjoy all unbelievable benefits of the policy Insured has an option to port to any other health insurance plan offer by other insurer as per portability guidelines. Portability section is applicable for Health section only and not applicable for Protection section.

Search for other HDFC Life term plans

Get answers to all your questions?

Life Insurance is a financial cover for a contingency linked with human life which include death, disability, accident, retirement etc against all possible risks and this results in loss of income to the household, if the insured was an income earning member of the family.Though human life cannot be valued, a monetary sum could be determined based on the loss of income in future years. Hencethe Sum Assured payable as a benefit in case of any eventuality. Life Insurance products provide a definite amount of money in case the life insured dies during the term of the policy or becomes disabled on account of an accident.

Everyone wants to insure the following risks:

  • Dying too soon
  • Living too long

Life Insurance is perhaps one of the most critical investments that any individual can make to financially protect themselves and their families from any uncertain and unpredictable even in the future. It is needed:

  • To ensure that one’s immediate family has financial support in the event of the insured’s unfortunate and untimely demise
  • To finance future expenses that include children’s education, marriage expenses, investments in fixed assets
  • To ensure a recurring and consistent source of income post retirement
  • To provide for unplanned financial contingencies and to ensure life style upkeep

IRDAI stands for Insurance Regulatory and Development Authority of India and they are the apex body that regulates the Insurance industry in India, both for Life and Non Life Insurance and are based in Hyderabad. They are similar to the Reserve Bank of India (RBI) who is the Banking regulator. Apart from protecting the interests of the policyholders, it regulates the overall industry and takes concrete steps towards development of the insurance sector in India.

According to IRDAI guidelines, the insurance company must mandatorily process a claim within 30 days after receiving all claim related information/documentation. If the claim needs further investigation based on the circumstances and supporting documents provides, the process should be completed within 6 months.

Anyone who is an income generator for a family, whether they are the primary earner or no, needs to ensure they have Life Insurance cover. Due to the value of their contribution to the family, it becomes essential to protect the family incase any unforeseen event happens to the income generator and this is what Life Insurance does. Sometimes even homemakers and children can also be covered for life insurance given their future income potential being at risk.

Currently in India, Life insurance is one of the most preferred tax planning financial instruments. Premiums paid for all life insurance policies are exempt from tax up to a maximum of ₹ 1.5 lacs under Section 80C of the Income Tax Act, 1961. Further under Section 10D, on settlement of a claim, the claim amount paid to the nominee is exempted from any tax.

The straightforward answer is the younger the individual, the lesser the premium. Hence it is advisable for young adults to invest in Life protection through Term Life covers at an early stage to ensure the most competitive premiums for their policy. This is on account of the individual being in better health at a younger age and free from pre existing health conditions.

The amount of Life Insurance coverage can also be terms as the Sum Insured of the Life insurance policy, which is basically what the nominee will get incase of the unfortunate demise of the insured . While there is no scientific approach to arrive at this Sum Assured, some of the factors that need to be considered while fixing this include:

  • Age + Number of dependants of the Life Assured
  • Financial Commitments in terms of Loans, Future Expenses etc based on the lifestyle of the individual and family
  • Specific Financial Goals like Children’s Education / Marriage etc
  • Current Income & Future Potential Income levels of the life assured

Yes, all life insurance plans cover death due to natural disaster, like flood, earthquake, storm, etc.

Yes, all life insurance policies offer coverage for Death by all means, except suicide. This includes unfortunate demise of the life assured due to terrorist attack/war/natural calamities/epidemics/pandemics etc (unless specifically excluded by insurance company).

Yes, Non-Resident Indians (NRIs), People of Indian Origin (PIOs) can buy a life insurance plan in India. Foreign Exchange Management Act (FEMA) allows NRIs to buy any plan that meets their requirements of protecting themselves and their family whether he is currently residing in India or not.

Generally most documents required are KYC documents that include:

  • Income proof (Salary slip, Form 16, ITR)
  • Age proof (Aadhar Card, Voter’s ID card, Passport)
  • Address proof (Aadhar Card, Utility bills, Driving License)
  • Photo identity proof (Passport, Voter’s ID card, PAN card)
  • Recent passport size photographs
If required, the insurance companies might call for additional supporting documents to the one specified above.



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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022