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HDFC Life Click2Protect 3D Plus

Objective

This term plan aims to protect your loved ones against the financial consequences of the '3Ds', namely death, disease and disability.

Our View

This term insurance policy which has a useful premium waiver feature incase of permanent disability resulting from an accident. This is also available for critical illness in one of its variants. The policy has several variants allowing you to adapt it to your needs.

Suited for

People who have dependents

What does it do?

It pays a predetermined amount to the nominee if the insured person is diagnosed with a terminal illness or dies.

Pros

It waives its premiums and continues to operate even if you meet with an accident resulting in a total permanent disability. In its 3D variant, it brings in this waiver and continuity in case of critical illness

Cons

Only persons below 65 are eligible to purchase it

Eligibility

Entry Age (years)

Minimum
18 (25 for whole life variant)
Maximum
65
Maximum Maturity Age (years)
75 (Except for the whole life variant)

Policy Term (years)

Minimum
5
Maximum
40

Sum Assured (Rs)

Minimum
1000000
Minimum Annual Premium
2234

Minimum Premium (Rs)

Yearly
2234
Premium Payment Frequency
Monthly/Quarterly/Half-yearly/Yearly
Premium Payment Term
Single payment is one-time. For regular payment or limited payment plans: 5-39 years (For whole life, it is 65 - age of entry)
Policy Cover
Cover remains fixed for the tenure of the policy. It can be enhanced under certain conditions such as marriage or the birth of children.
Other Features
Waiver of premiums and continuation of the policy incase of permanent disability resulting from an accident and in one variant, for critical illness.

Other Features

Free Look Cancellation
You can cancel within 15 days of receiving the policy documents. For online or distance marketing, this period is extended to 30 days
Grace Period
If are late in the payment of premiums, you are allowed a grace period of 30 days under the annual and quarterly payment options and 15 days under the monthly option, in which to pay the premium. After the expiry of the grace period your policy will lapse resulting in the termination of the insurance cover
Lapsed Policy Reinstatement
You can reinstate your lapsed policy within 2 years from the date of lapse subject to the terms specified by the insurance company
Tax Benefits
Section 80C, 10 (10D) of the Income Tax Act, 1961 would apply.
Exclusions
In case of death by suicide during the first policy year, or within one year from the date of reinstatement, 80% of the premium will be paid to the nominee. Other restrictions apply to specific policy options such as the accidental death feature and critical illness feature

Customer Service

Address
HDFC Standard Life Insurance Company Limited, 13th Floor, Lodha Excelus, Apollo Mills Compound, N M Joshi Road, Mahalaxmi, Mumbai - 400011
Mail To
[email protected]
Call On
18002669777
SMS
LIFE to 56161

Cost Details

Annual Premium (Rupees)
Option for Male
Policy Term (in years)Age (in years)
25303540455055
10287330513787529880591324619842
15288932174057592890741435522698
202885344846416859104511654026187
2530813834533572911253319859-
30341444766170971615386--
Figures indicate premiums on a Rs 25 lakh policy for an age over different policy tenures exclusive of service tax
Annual Premium (Rupees)
Option for Female
Age (in years)
Policy Term (in years)25303540455055
10287329803487465369241114717166
15283030513655514677891221218893
20287032004114594989851376621786
2529573488470568631042716519-
30317739485423809412797--
Figures indicate premiums on a Rs 25 lakh policy for an age over different policy tenures exclusive of service tax