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HDFC Life Click2Protect Super vs Bajaj Allianz Life eTouch: https://joinditto.in/term-insurance/c...
Still deciding between HDFC Life Click 2 Protect Super and Bajaj Allianz eTouch II? You’re not alone. These two term insurance giants are among the most popular plans in India today. But while both HDFC Life and Bajaj Allianz offer strong brand trust, solid claim settlement ratios, and powerful protection features — the differences lie in the fine print. And this video gives you the full breakdown.
Whether you’re hunting for the best term insurance plan with zero-cost exit options, flexible cover styles, waiver of premium benefits, or critical illness protection — this video is your complete side-by-side comparison guide. We walk through everything: brand history, solvency, policy tenure, premium structure, riders, and payout formats.
If you’re looking for Term Insurance in India in 2025, then you’ve probably come across HDFC Life Click 2 Protect Super. It’s one of the most customizable term insurance products in the market. With options like increasing cover, decreasing cover, monthly payout formats, and a powerful waiver of premium rider that covers critical illnesses, disabilities, and even provides accidental income — this plan is made for those who want strong flexibility and protection without complexity.
And then there’s Bajaj Allianz eTouch II — another major contender for best term life insurance in India. With features like Auto Cover Continuance, premium holiday options, and a robust whole-life cover up to age 99, Bajaj Allianz Life Insurance offers serious innovation at a very competitive price. Their zero-cost exit feature also gives you the flexibility to walk away after a long holding period with your premiums back, making it one of the few term plans in India offering such a feature.
Confused between the two? Book a FREE call with Ditto to help you choose the right term insurance plan for your needs. Takes under 2 minutes to book: https://ditto.sh/2bhhl3
In terms of claim experience and reliability, HDFC Life Insurance edges ahead with lower complaint volumes and a strong brand reputation across metros and Tier 2 cities. Their CSR averages 99.55% over 3 years, with a solvency ratio of 1.9 and a strong market presence across channels. But Bajaj Allianz Life Insurance, backed by Bajaj Finserv and Allianz, isn't far behind — offering a whole life cover option, premium flexibility, and auto protection that can be a lifesaver for anyone with fluctuating income or freelance earnings.
We also talk about term insurance add-ons like:
Critical illness riders (HDFC covers 60 diseases up to 15 years; Bajaj gives 3 rider options up to 20 years)
Waiver of premium
Accidental death and accidental disability payouts
Premium break benefits and refund of premiums via zero-cost exit
Term life insurance claim settlement process, KYC norms, and brand-level servicing experience
➡️ Still not sure which policy is better for your family? Let Ditto’s advisors help you pick based on your exact age, smoking status, income, and goals — no spam, no sales, just real advice: https://ditto.sh/2bhhl3
If you’re someone who’s:
A salaried professional looking for long-term coverage
A freelancer or business owner who needs premium flexibility
Looking to lock-in term insurance rates before you hit your 30s or 40s
Confused about what counts as a good claim settlement ratio
Wanting to understand how zero-cost exit or accidental income benefits really work
Then this comparison between HDFC Click 2 Protect Super and Bajaj Allianz eTouch II is exactly what you need.
Whether you’re looking for the best term plan with return of premium, or a term insurance with long tenure and high flexibility, you’ll find all the answers here. We also bust a few myths about term insurance and what really matters when choosing a plan — beyond just low premiums.
0:00 – Introduction
1:06 – About HDFC Life
1:38 – About Bajaj Allianz
2:13 – Common Policy Basics
2:48 – HDFC Life Click 2 Protect Super
4:54 – Bajaj Allianz eTouch
6:43 – Common Features b/w HDFC Life Click2Protect Super vs Bajaj Allianz Life eTouch
7:02 – Key Differences b/w HDFC Life Click2Protect Super vs Bajaj Allianz Life eTouch
7:36 – Premiums b/w HDFC Life Click2Protect Super vs Bajaj Allianz Life eTouch
8:05 – Final Thoughts on HDFC Life Click2Protect Super vs Bajaj Allianz Life eTouch
8:41 – Ditto’s Take
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