Discover everything you need to know about HDFC Life Click 2 Protect Ultimate in this quick and clear review. Learn about its key features, benefits, premium structure, eligibility criteria, and claim process. Find out if this term insurance plan is the right fit to secure your family's future with assured protection and unique benefits like Return of Premium & Claim Guarantee. Watch till the end for expert insights and tips before you buy!
main features
100% Claim Assurance: Ensures transparent, reliable, and hassle-free claim settlement for all claims except specific exclusions like suicide in the first year, death due to intoxication, non-disclosure of critical illnesses, etc.
Terminal Illness Benefit: Accelerated payment of death benefit (up to ₹2 crore) if diagnosed with a terminal illness, subject to a 6-month waiting period and applicable till age 80.
Return of Premium (ROP) Option: On survival till maturity, you get back 100% of the premiums paid (excluding taxes and rider charges). This option is chosen at policy inception.
Smart Exit Benefit: If you opt-out after the 25th policy year (not in the last 5 years) and have a policy term of at least 31 years, you receive all premiums paid till that point, without additional cost.
Death Benefit Instalments: The nominee can choose to receive the death benefit as a lump sum or in instalments over 5 to 15 years, providing financial stability.
Flexible Premium Payment: Choose from Single Pay, Regular Pay, or Limited Pay modes with payment frequency options of monthly, quarterly, half-yearly, or yearly.
Paid-Up and Surrender Value: If premiums are not paid after at least one full year of payment, the policy can continue on a reduced sum assured (paid-up) basis or surrendered for a value.
Female Discount: Lifetime premium discount of 15% for female policyholders.
Tax Benefits: Premiums paid and benefits received may qualify for tax benefits under Indian tax laws.
Policy Revival: Lapsed policies can be revived within 5 years by paying outstanding premiums.
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