HDFC Life Term Insurance Plans

HDFC Life Click 2 Protect 3D Plus is a online term insurance plan that offers comprehensive security at an affordable price. 3D stands for the three uncertainties that we face at some point in time, i.e. Death, Disability and Disease. With this online term policy, ensure that your family is safeguarded financially if an unexpected eventuality occurs. HDFC Life Click 2 Protect 3D Plus offers a wide range of 9 plan options to help one choose as per their need.

Key Features

• Provide financial protection to you and your family at an affordable cost
• Customize your online term 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 Life Long Protection & 3D Life Long 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* as per prevailing tax laws

*Tax benefits are subject to change from time to time

*Total Premiums paid = Annualised Premium × number of years (or part thereof) for which premiums have been paid for Limited and Regular Pay or Single Premium for Single Pay

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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.So nothing comes in the way as you and your family lead a life of pride.

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
• ^{** Calculated on highest tax bracket i.e.`46,350/- under Sec. 80C (Life Insurance Plan) and `16,995/- under Sec. 80D (Health Insurance Plan). As per Section 80CCE, the aggregate amount of deduction under Sec. 80C, 80CCC and 80CCD(1), shall not in, any case, exceed `1,50,000/-. The above mentioned tax benefits are subject to changes in tax laws. These calculations are illustrative and based on our understanding of current tax legislation. Above figures are calculated for a salaried employee at the highest tax bracket. Please contact your tax consultant for an exact calculation of your tax liabilities.}

• 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*

^{* Tax benefits are subject to change from time to time}