HDFC Life Click 2 Protect 3D Plus Review – A Unique Term Insurance Plan

By | May 10, 2017

Looking for the best term insurance plan online? Then you should checkout the new term plan launched by HDFC life and that is Click 2 Protect 3D Plus. Here 3D refers to Death, Disability & Disease. That means a single term plan will protect your life from all 3 types without looking for separate term plan, disability insurance and critical insurance policies.

HDFC Life Click 2 Protect 3D Plus is seriously a unique term insurance plan in case you have idea about all other available term plans in India. Generally term plans are very simple product where only life protection feature is available. But this policy is a collection of 9 types of options to choose.

I am going the share the complete review of HDFC Life Click 2 Protect 3D Plus with more details in this article. I hope you are aware about the importance of term plan for individual in today’s life. This is first steps towards your financial planning.

Key Highlights of HDFC Life Click 2 Protect 3D Plus Policy

This policy is like a complete policy from HDFC life. They make sure that there are enough and all possible options available to attract various types of customers.

  • This is a term insurance policy and only the basic option is a pure term plan like any other term plan. Besides that there 8 other options which will provide various different benefits with life protection to attract customers.
  • You can buy the basic term plan and then upgrade to any of the 9 options available. But it is better to read the complete details of each option and then choose the one as per your preferences.
  • Under the 3D option, you will get protection for life against death, Disability & critical illness. In case of diagnosis of the any critical illness and Accidental Total Permanent Disability the future premiums will be waived off without compromising the policy benefits.
  • Protect yourself for whole of life with lifelong protection option
  • Flexibility to choose your policy and premium payment terms
  • Flexibility to increase your cover every year through top-up option
  • If you are female, then you will get additional premium rates. Not only that, as a non-tobacco user also you can get additional rebates on premiums.

Life Stage Protection feature offers to increase insurance cover on certain key milestones without medical test. That means after your marriage your sum assured will be increased by 50%, Max 50 lakh. In case of birth of 1st child it’s increased by 25% sum assured, that is max 25 lakh and same for 2nd child also.

Top-up Option is valid for all available options. This is very simple indeed, the sum assured value will increase every year systematically to increase the life cover as your responsibility will increase with time. For this you have to pay an additional premium amount at the time of inception of HDFC Life Click 2 Protect 3D Plus policy.

Eligibility Criteria and Other Conditions

Eligibility CriteriaAll Options except Life Long
Protection Option & 3D Life Long Protection Option
Life Long Protection Option &
3D Life Long Protection Option
Min Age at Entry18 years25 years
Max Age at Entry65 years65 years
Min Policy Term5 yearsWhole of Life
Max Policy Term50 years
Premium Payment ModeSingle Pay Regular Pay,
Limited Pay : 5 years to 39 years
Limited Pay : (65 – Age at Entry)
Premium Payment FrequencySingle, Annual, Semi-Annual, Quarterly, MonthlyAnnual, Semi-Annual, Quarterly, Monthly
Min Age at Maturity23Whole of Life
Max Age at Maturity75
Minimum Basic Sum AssuredRs.10,00,000

9 Options Under HDFC Life Click2Protect 3D Plus

HDFC Life Click2Protect 3D Plus is non-linked term insurance policy which offers huge protection to the policyholder. The plan has 9 plan options to choose from:

  • Life Option
  • 3D Life Option
  • Extra Life Option
  • Income Option
  • Extra Life Income Option
  • Income Replacement Option
  • Return of Premium Option
  • Life Long Protection Option
  • 3D Life Long Protection Option

I have not gone through each and every option in details. You can find a very detailed guide by downloading HDFC Life Click 2 Protect 3D Plus policy brochure form the link here. You can find a complete details and comparative analysis between all the 9 options of this policy below.

HDFC Click 2 Protect 3D Plus Review

Should I Buy HDFC Life Click 2 Protect 3D Plus?

Well, personally I have purchased HDFC Life Click 2 Protect plan when it was launched first time. That was a simple term insurance policy. But after that they have come up with HDFC Life Click 2 Protect Plus and HDFC Life Click 2 Protect 3D Plus. These options are really attractive.

But, if you understand the purpose of a term insurance, there is no point to mix a term plan with any other feature. I have shared an article on why you should not buy a term plan with return of premiums. You have to pay additional premiums to avail  the extra benefit which is not necessary.

HDFC Life is doing well and their term plan is cheap enough compared to others. But you should compare the options properly before finalising. Do share your experience of buying HDFC Life Click 2 Protect 3D Plus online or any doubt here by writing a simple comment below.

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