HDFC Life Click 2 Protect Elite Insurance plan provides financial protection to your family wherein you pay for a limited duration and get covered for the whole policy term.
HDFC Life Click 2 Protect Elite is a non-linked, non-participating, individual, pure risk premium life insurance plan. Life Insurance Coverage is available in this product. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale.
Key Benefits
Provides financial protection to your family
Get back all premiums paid with Smart Exit Benefit
(This option can be exercised in any policy year greater than 30, but not during the last 5 policy years)
Premium(s) paid by an individual or HUF under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961, subject to the conditions/ limits specified therein. Under Section 10 (10D) of the Income Tax Act, 1961, the benefits received from this policy are exempt from tax, subject to the conditions specified therein.
Please note that the above-mentioned benefits are as per the current tax rules. Your tax benefits may change if the tax rules are changed. You are requested to consult your tax advisor.
Yes, you can opt for any of the following riders:
Smart Exit Benefit will be applicable for policies at all premium payment terms. It can only be exercised after 30th Policy Year, but not during the last 5 policy years.
To know detailed information related to exclusions, kindly read the Product Brochure.
Yes, as the Policyholder, you can alter the Premium Frequency during the Premium Payment Term.
Single, annual, half-yearly, quarterly and monthly frequencies are available under this product.
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Criteria |
Eligibility |
|
Min. Age at Entry |
18 years |
|
Max. Age at Entry |
45 years |
|
Min. Age at Maturity |
33 years |
|
Max. Age at Maturity |
75 years |
|
Min. Policy Term |
For 10-Pay: 15 years |
|
Max. Policy Term |
40 years, subject to Maturity Age |
|
Premium Payment Term |
Limited Pay: 10-Pay and 15-Pay only |
|
Min. Basic Sum Assured |
Rs 2,00,00,000 |
|
Max. Basic Sum Assured |
There is no maximum limit. However, the acceptance of any case is subject to Board Approved Underwriting Policy (BAUP). |
All ages are expressed as on last birthday. For all ages, risk commences from the date of inception of the contract
