Term Life InsuranceFeatured
HDFC Life Click 2 Protect Life Review 2026
Salaried professionals looking for affordable high-cover term insurance
★★★★★★4.5
Last updated: 15 December 202598.01%
Claim Settlement Ratio
98.01% (FY 2023-24)
Excellent track record of settling claims
Key Features
✓Cover from Rs 25 lakh to Rs 10 crore
✓3 plan options: Life, Plus, 3D Life
✓Increasing cover option (5% yearly increase)
✓Return of premium option available
✓Terminal illness benefit
✓Whole life option up to age 99
Coverage Details
Plan Details
| Min Coverage | ₹25 Lakh |
| Max Coverage | ₹10 Crore |
| Coverage Unit | life cover in Rs |
| Claim Settlement Ratio | 98.01% (FY 2023-24) |
| Premium Starts From | Rs 490/month (Rs 1 crore, 30-year-old male, non-smoker) |
| Entry Age | 18 to 65 years |
| Renewal | Policy term up to 85 years of age |
Plan Options
Life (basic)Plus (income + lump sum)3D Life (death + disease + disability)
Rating Breakdown
features
4.6/5
value
4.4/5
support
4.4/5
benefits
4.5/5
Pros & Cons
✓Pros
- ✔Affordable premiums starting at Rs 490/month
- ✔Cover up to Rs 10 crore
- ✔Multiple plan options — Life, Plus, 3D Life
- ✔98.01% claim settlement ratio
- ✔Critical illness cover as rider
✗Cons
- ✘Medical tests required for higher covers
- ✘Premiums increase significantly with age
- ✘Some riders add substantial cost
Benefits Included
- ✔Death benefit — lump sum or monthly income
- ✔Terminal illness benefit (advance payment)
- ✔Accidental death benefit rider
- ✔Critical illness rider (36 conditions)
- ✔Waiver of premium rider on disability
Exclusions
- ✘Suicide within 12 months of policy start
- ✘Death due to non-disclosed pre-existing conditions
- ✘Death in war or nuclear activity
Frequently Asked Questions
HDFC Life has a claim settlement ratio of 98.01% (FY 2023-24). This indicates the percentage of claims that were successfully settled by the insurer out of total claims received.
HDFC Life Click 2 Protect Life premiums start from Rs 490/month (Rs 1 crore, 30-year-old male, non-smoker). The actual premium depends on your age, sum insured, plan variant, and number of members covered.
HDFC Life Click 2 Protect Life offers coverage from ₹25 Lakh to ₹10 Crore (life cover in Rs).
HDFC Life Click 2 Protect Life offers multiple payout options including lump sum payment and monthly income to nominees. Check the plan options: Life (basic), Plus (income + lump sum), 3D Life (death + disease + disability).
HDFC Life Click 2 Protect Life is available for individuals aged 18 to 65 years. Coverage continues policy term up to 85 years of age.
