HDFC Life Click 2 Protect Elite Plus
High Coverage Term Insurance Plan
Plan Overview
Click 2 Protect Elite Plus एक advanced term insurance plan है जो policy holder की death होने की स्थिति में family को financial protection देता है। यह plan कम premium में high life cover प्रदान करता है।
| Feature | Details |
|---|---|
| Plan Type | Term Insurance |
| Entry Age | 18 – 60 Years |
| Maximum Maturity Age | 85 Years |
| Policy Term | 10 – 40 Years |
| Minimum Sum Assured | ₹50 Lakh |
| Maximum Sum Assured | ₹10 Crore+ |
Plan Variants
- Life Option – Basic life cover protection
- Life Plus Option – Additional financial protection
- Life Income Option – Nominee को monthly income
- Income Plus Option – Lump sum + income benefit
Key Features
- High life cover up to ₹10 Crore
- Flexible policy term options
- Multiple premium payment options
- Terminal illness benefit available
- Installment payout option for nominee
- Optional riders for additional protection
- Tax benefits under Income Tax Act
Premium Payment Options
- Regular Pay – Premium पूरे policy term तक
- Limited Pay – कुछ साल premium देकर long cover
- Single Pay – एक बार में premium payment
Death Benefit
अगर policy holder की policy term के दौरान death हो जाती है तो nominee को Sum Assured मिलता है।
Payout Options
Nominee payout दो तरीके से ले सकता है:
- Lump Sum Payment
- Monthly Income (5 – 15 years)
Terminal Illness Benefit
अगर policy holder को terminal illness diagnose होती है तो death benefit का हिस्सा policy term के दौरान पहले मिल सकता है।
Optional Riders
- Accidental Death Benefit Rider
- Critical Illness Rider
- Waiver of Premium Rider
Premium Payment Modes
- Monthly
- Quarterly
- Half-Yearly
- Yearly
Example Illustration
| Age | Life Cover | Policy Term | Premium (Approx) |
|---|---|---|---|
| 30 Years | ₹1 Crore | 30 Years | ₹10,000 – ₹15,000 yearly |
Why Choose This Plan
- Family financial protection
- Income replacement
- Loan protection
- Long term security
Who Should Buy This Plan
- Working professionals
- Business owners
- People with financial dependents
- People with long term liabilities
Claim Process
- Nominee claim intimation देता है
- Death certificate और policy documents submit होते हैं
- Insurance company verification करती है
- Claim approved होने पर payout जारी होता है
Disclaimer: Insurance is the subject matter of solicitation. Please read policy documents carefully before purchasing.