⭐ Editor's Choice — Top Rated Pick
HDFC Life Click 2 Protect Super
📍 Available in: India
★★★★★ 4.9 / 5.0
HDFC Life Click 2 Protect Super is one of India’s most trusted pure risk life insurance policies. Featuring an outstanding 99.50% Claim Settlement Ratio and smart exit options, it offers customizable cover up to age 85 or whole life.
Key Facts at a Glance
| Cost / Fee Structure | From ₹8,900 / year (₹1 Cr cover, 30yo non-smoker) |
| APR / Rate | Claim Settlement Ratio: 99.50% |
| Coverage / Loan Limit | Sum Assured: ₹50 Lakh to ₹20 Crore+ |
| Credit / Eligibility | Underwriting via Tele-MER & Medicals |
| Terms Available | Policy Term: 10 to 60 Years (Up to Age 85 / 100) |
Pros & Cons
✓ Pros
- ✓Unsurpassed claim settlement reputation and prompt claim payout timeline (1 day for eligible claims)
- ✓Smart Exit Benefit allowing full return of base premiums at retirement age (e.g., age 60) without charges
- ✓Waiver of premium on critical illness diagnosis protects coverage continuity
- ✓Complete digital medical test scheduling via certified diagnostic partners
✕ Cons
- ✕Premiums are moderately higher than newer budget digital-only players
- ✕Medical tests strictly enforced for covers above ₹1 Crore
Key Features
High Claim Settlement Ratio of 99.50% (IRDAI certified)Life Stage Option allows increasing sum assured on marriage or birth of children without fresh medicalsComprehensive coverage options up to 85 years or Whole Life (age 100)Optional return of premium (ROP) variant availableAccelerated terminal illness payout with 100% sum assured upon diagnosis
Compare HDFC Life Click 2 Protect Super Side-by-Side
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