Term insurance is one of the most essential financial tools for protecting your family’s future. It ensures that your loved ones remain financially secure even if something unexpected happens to you.
HDFC Life Click 2 Protect Supreme Plus is a term insurance plan offered by HDFC Life Insurance Company. It is designed to provide high life coverage at an affordable premium and includes flexible options to suit different financial needs.
This article explains the features, benefits, eligibility, and frequently asked questions in simple language.
What is HDFC Life Click 2 Protect Supreme Plus?
HDFC Life Click 2 Protect Supreme Plus is a pure protection term insurance plan. Its main purpose is to provide financial support to your family if the policyholder passes away during the policy period.
In such a situation, the insurance company pays a fixed amount to the nominee. This money can help the family manage daily expenses, repay loans, and secure their future.
The plan also offers optional features like return of premium and additional protection through riders.
Why Term Insurance is Important
If you are the main earning member, your family depends on your income for their daily needs and future goals.
These include:
- Household expenses
- Children’s education
- Loan repayments
- Medical expenses
- Monthly living costs
Term insurance ensures that your family receives financial support in your absence.
Key Features of HDFC Life Click 2 Protect Supreme Plus
Affordable Premium with High Coverage
This plan allows you to get high insurance cover by paying a reasonable premium. Buying at a young age helps you lock in lower premiums.
Flexible Coverage Options
The plan offers multiple coverage options:
Level Cover
The coverage amount remains the same throughout the policy term.
Increasing Cover
The coverage amount increases gradually over time.
Decreasing Cover
The coverage reduces over time, suitable for people with loans.
Life Goal Option
Provides a lump sum and a monthly income to the nominee.
Return of Premium Option
If you survive the policy term and have selected the return of premium option, the company returns the total premium amount paid, excluding taxes and additional charges.
This feature is useful for people who want their premium amount back if no claim is made.
Rider Benefits
You can enhance protection by adding optional riders such as:
- Accidental death benefit
- Critical illness benefit
- Disability benefit
- Waiver of premium
These riders provide additional financial security.
Flexible Claim Payout Options
The nominee can receive the claim amount in different ways:
- Lump sum amount
- Monthly income
- A combination of both
This helps families manage finances more effectively.
Eligibility Criteria
General eligibility includes:
Minimum age: 18 years
Maximum entry age: Up to around 65–70 years
Maximum maturity age: Up to 85 years
Medical test: May be required
Terms may vary based on individual profile.
Real-Life Example
Amit, aged 32, buys this plan with:
Life cover: ₹1 crore
Policy term: 30 years
Monthly premium: Around ₹1,000 (approximate)
If Amit passes away during the policy term, his family receives ₹1 crore.
If he survives and selected return of premium, he gets the premium amount back.
This ensures both protection and financial benefit.
Benefits of This Plan
High financial protection
Affordable premium
Flexible coverage options
Optional return of premium
Additional rider benefits
Peace of mind for family
Who Should Buy This Plan?
This plan is suitable for:
Salaried employees
Private sector workers
Business owners
Parents
People with financial responsibilities
Young professionals
Frequently Asked Questions (FAQ)
1. Is this a pure term insurance plan?
Yes, it is mainly a protection plan designed to provide financial support to your family.
2. What happens if I survive the policy term?
If you selected the return of premium option, you will receive the premium amount paid, excluding taxes and extra charges.
3. Is a medical test required?
Medical tests may be required depending on your age, health, and coverage amount.
4. Can I choose the claim payout option?
Yes, the nominee can receive the amount as a lump sum, a monthly income, or both.
5. What is the minimum coverage amount?
The minimum coverage depends on policy terms, but generally starts from a reasonable amount suitable for protection.
6. Is this plan suitable for salaried employees?
Yes, it is suitable for salaried employees, business owners, and self-employed individuals.
7. Can I add extra protection?
Yes, you can add rider benefits for additional protection.
Final Conclusion
HDFC Life Click 2 Protect Supreme Plus is a flexible and reliable term insurance plan that provides strong financial protection to your family.
It offers high coverage, affordable premiums, and optional benefits like return of premium and rider protection.
If your family depends on your income, choosing a good term insurance plan is a wise financial decision.