HDFC Life Click 2 Protect Ultimate
Complete Term Insurance Protection Plan
Plan Overview
Click 2 Protect Ultimate एक pure term insurance plan है जिसका मुख्य उद्देश्य policy holder की death होने की स्थिति में family को financial protection देना है। यह plan कम premium में high life cover प्रदान करता है।
| Feature | Details |
|---|---|
| Plan Type | Term Insurance |
| Entry Age | 18 – 55 Years |
| Maximum Maturity Age | 85 Years |
| Policy Term | 10 – 40 Years |
| Minimum Sum Assured | ₹1 Crore |
Key Features
- High life cover at affordable premium
- Flexible policy term up to 40 years
- Multiple premium payment options
- Return of Premium option available
- Terminal illness benefit
- Installment payout option for nominee
- Optional riders for extra protection
- Tax benefits under income tax act
Premium Payment Options
- Regular Pay – पूरे policy term तक premium
- 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 नीचे दिए गए amount में से जो अधिक होगा वह मिलता है:
- Sum Assured
- 105% of total premium paid
Payout Options
Nominee claim amount दो तरीके से ले सकता है:
- Lump Sum Payment
- Installment 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 भी मिल सकता है।
Optional Riders
- Accidental Death Benefit Rider
- Critical Illness Rider
- Waiver of Premium Rider
Return of Premium Option
अगर policy holder policy term पूरा कर लेता है तो Return of Premium option में total paid premium वापस मिल सकता है।
Example Illustration
| Age | Life Cover | Policy Term | Premium (Approx) |
|---|---|---|---|
| 30 Years | ₹1 Crore | 30 Years | ₹9000 – ₹14000 yearly |
Why Term Insurance is Important
- Family financial protection
- Income replacement
- Loan protection
- Long term financial security
Disclaimer: Insurance is the subject matter of solicitation. Please read all policy documents carefully before purchasing.