HDFC Life Insurance Company Limited
HDFC Life Click 2 Protect Super
UIN 101N137V03We sell this
The dealbreaker fields (term life)
Sum assured (max)
—
Claim settlement (CSR)
99.4%
Claims TAT
[object Object] days
Suicide exclusion
12 months
Payout options
Life Option · Life Plus Option · Life Goal Option
Premium payment
Single Pay · Regular Pay · Limited Pay
Policy term
5–67 yrs
Surrender value
no_unless_rop_opted
Free look
30 days
What this plan does well
- INDUSTRY-LEADING CSR — Individual Death Claim Settlement Ratio 99.39% (FY22-23, brochure stated)
- Entry age up to 84 years (Life Option) — INDUSTRY LEADING for term entry
- Max maturity 85 years — INDUSTRY LEADING (LIC 80, Bharti AXA 75)
- Min entry 18 years across all 3 variants
- 3 Plan Options: Life / Life Plus (with ADB) / Life Goal (decreasing cover)
- SA Factor options A/B/C — up to 200% Increasing SA
- Return of Premium option on all 3 variants
- Terminal Illness Acceleration up to ₹2Cr (built-in)
Watch out for
- 10x Annualised Premium minimum on Death Benefit (vs Bharti AXA Premier Protect 11x)
- Life Goal Option has DECREASING death benefit (lower payout over time)
- Min SA for entry >65: only ₹50,000 (very low cover for senior buyers)
- Single Pay (SP) variant: only 125% of premium payable on death (low coverage)
- Min PT 1 month for SP — operational variant, not for protection
- Brochure states FY22-23 CSR (not FY24-25) — verify latest
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