Description
HDFC Life Click 2 Protect Super is a comprehensive term insurance plan that offers financial security to your loved ones in case of an unforeseen event. With flexible options to cater to individual needs, this plan provides coverage against mortality, critical illnesses, and the possibility to create wealth through various premium payment options.
Key features include customizable coverage amounts, additional benefits through riders, ongoing health and wellness services, and the option for a return of premiums upon survival until the end of the policy term, making it a robust choice for those seeking substantial life cover.
Examples
Example Scenario 1: Raj is a 30-year-old professional who opts for the Click 2 Protect Super plan with a coverage of ₹1 crore. He chooses a policy term of 30 years. In case of an unfortunate event, his family would receive a sum assured of ₹1 crore, ensuring their financial stability. Alternatively, if Raj survives the policy term, he has the option to receive all the premiums paid as a lump sum.
Example Scenario 2: Priya, a 40-year-old homemaker, adds critical illness coverage to her Click 2 Protect Super policy. After a few years, she is diagnosed with a covered critical illness. The plan provides her with an additional payout that can be used towards her treatment, further enhancing her financial security and peace of mind.
Advantages:
Comprehensive Coverage: Provides a high sum assured to protect the family’s future against unforeseen calamities.
Multiple Options: Offers various policy term options and premium payment methods (lump sum, limited pay, regular pay), allowing for customization based on individual financial goals.
Riders Available: Enhance your policy with additional riders like Accidental Death Benefit, Critical Illness Cover, and more for added security.
Return of Premium: opt for a feature that returns the premiums paid at the end of the policy term, ensuring you don’t leave empty-handed if you outlive the term.
Tax Benefits: Premiums paid qualify for deductions under Section 80C, and death benefits received by beneficiaries are tax-free under Section 10(10D) of the Income Tax Act.
Conclusion:
The HDFC Life Click 2 Protect Super plan is an excellent choice for individuals seeking comprehensive life insurance with flexible options to cater to their specific needs. Whether it is the high sum assured, the return of premiums, or the option for critical illness cover, this plan offers peace of mind and financial security for one's family. It’s an ideal way to ensure that your loved ones are protected and supported, regardless of unforeseen circumstances.
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