Скачать или смотреть HDFC Life Click 2 Protect vs ICICI Term Plan – Which Is Really Best for You? Full 2025 Comparison!

Day 16 of “100 Days of Insurance – With Latish”

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Both HDFC and ICICI claim to have India’s smartest term plans—but which one really fits you best? Here’s what matters most:

For a 35-year-old, 40-year term, pay till 60:
• *Claim Settlement:* HDFC 99.5%, ICICI 99.17%—both top-tier
• *Increasing Cover:* Only HDFC doubles your sum assured over time (ICICI doesn’t)
• *Payout Flexibility:* Both offer one-time, instalment, or combo payouts
• *Premium Payment:* HDFC offers more modes—monthly, quarterly, half-yearly, yearly; ICICI has monthly, half-yearly, yearly
• *Critical Illness Rider:* HDFC covers 60 illnesses up to age 85 (₹1.5 crore); ICICI covers 34 up to age 60 (₹1 crore)
• *Accidental Death Benefit:* Both have it, HDFC up to base, ICICI up to ₹2 crore
• *Premiums:* Nearly identical for both men and women

*Who should pick which?*
Want growing cover & max critical illness protection till 85? HDFC is the clear winner!


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