PAGE 1
Nomination: As per Section 39 of the Insurance Act, 1938, you can nominate a person to
receive the benefit under this policy. During your lifetime and while your policy is in force,
you may at any time, by written notice to us, designate any person or persons as a nominee
to whom we shall pay benefits under this policy upon your unfortunate death. In case the
nominee so named is a minor, then the policyholder is required to name an appointee (other
than himself) for the minor nominee.
G. Assignment: You may also assign this policy by an endorsement upon the Policy itself or by
a separate instrument in accordance with Section 38 of the Insurance Act. For assigning
this Policy, you should submit a written request to the Company and upon receipt of such
written request, the Company shall record the assignment. Assignment will not be
permitted if the Policy is issued under the Married Womens Property Act, 1874. The
Company does not accept any responsibility and/or express any opinion on the validity or
legality of any assignment made by the Policyholder. Upon the receipt of the notice of
assignment in writing, the Company shall record the information in relation to such
assignment and shall, on the request of the person by whom the notice was given, or of
the assignee, grant a written acknowledgment of the receipt of such notice.
H. Alterations: Policy term and premium paying term cannot be altered. Premium payment
frequency can be altered.
I.
J.
Section 41 of the Insurance Act, 1938: (1) No person shall allow or offer to allow, either
directly or indirectly, as an inducement to any person to take or renew or continue an
insurance in respect of any kind of risk relating to lives or property in India, any rebate of
the whole or part of the commission payable or any rebate of the premium shown on the
policy, nor shall any person taking out or renewing or continuing a policy accept any rebate,
except such rebate as may be allowed in accordance with the published prospectuses or
tables of the insurer. (2) Any person making default in complying with the provisions of this
section shall be punishable with fine which may extend to five hundred rupees.
Features #Built2Adjust
Increase life cover
@ key milestones
Provided that nothing in this section shall prevent the insurer from calling for proof of age
at any time if he is entitled to do so, and no policy shall be deemed to be called in question
merely because the terms of the policy are adjusted on subsequent proof that the age of
the life insured was incorrectly stated in the proposal.
Lumpsum + Monthly
claim settlement1
L. Service Tax: As per the current service tax laws, service tax is applicable on the life
insurance premiums. Any other indirect tax or statutory levy becoming applicable in future
may become payable by you by any method we deem appropriate including by levy of an
additional monetary amount in addition to the premium.
M. In case of fraud or misrepresentation including non-disclosure of any material facts, the
Policy shall be cancelled immediately and the Surrender Value shall be payable, subject to
the fraud or misrepresentation being established in accordance with Section 45 of the
Insurance Act, 1938.
Lumpsum + Monthly claim settlement facility is available under Income Option and Income Plus option.
HDFC Standard Life Insurance Company Limited. In partnership with Standard Life plc
To ensure a life of self-respect for your family click at www.hdfclife.com.
Registered Office: HDFC Standard Life Insurance Company Limited, Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011.
Insurance is the subject matter of the solicitation. This document has no monetary value at any time and is not proof of any contract with HDFC Standard Life Insurance Company Limited.
HDFC Life Click 2 Protect Plus ( Form no. P501-123, UIN: 101N101V01) is a traditional non- participating term insurance product. This version of the product brochure invalidates all
previous printed versions for this particular plan. This product brochure is indicative of the terms, warranties, conditions and exceptions contained in the insurance policy. Please refer to the
policy document for further details. HDFC Standard Life Insurance Company Limited. IRDA Reg. No 101. ARN: PP/07/2014/4998.
CIN:U99999MH2000PLC128245
BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS
IRDA clarifies to public that
IRDA or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.
IRDA does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.
8 x 16 (Open)
*Premium amount for Regular Pay, Male, 25 years of age, 30 year policy term and under Income Option, exclusive of taxes.
PAGE 2
PAGE 7
Sometimes the simplest choice is the best one for you. A pure protection plan is a simple way
to get comprehensive protection at an affordable price and protect yourself and your loved
ones against the uncertainties that life may throw at you.
With a range of additional coverage options, HDFC Life Click 2 Protect Plus is an ideal
comprehensive protection plan for you.
1. Death benefit
In the unfortunate event of death of life assured during the policy term, the nominee will receive the benefit as
defined below:
Highest of:
125% of Single Premium
Sum Assured
Highest of:
10 times the annualized premium
105% of all the premiums paid as on date of death
Sum Assured
For the purpose of the computation of the Death Benefit, the annualized premium shall exclude the underwriting
extra premiums and loadings for modal premiums, if any.
Under Life Option, the Death Benefit specified above shall be payable in the form of a lump sum upon death.
Under Extra Life Option, the Death Benefit specified above shall be payable in the form of a lump sum and an
additional benefit equal to the Sum Assured shall be payable in case of accidental death.
Under Income Option, the Death Benefit specified above is paid in the following manner:
10% of the Death Benefit paid as a lump sum upon death
Remaining 90% of the Death Benefit shall be paid as monthly income over next 15 years
(0.5% of Death Benefit every month for 15 years)
Under Income Plus Option:
100% of the Death Benefit specified above shall be paid as a lump sum upon death
In addition, a monthly income equal to 0.5% of the Sum Assured shall be payable for a period of 10 years.
The monthly income can be level or increasing at 10% p.a. as chosen by the policyholder.
An Accident is a sudden, unforeseen and involuntary event caused by external, visible and violent means. Accidental Death means death by or due to a bodily injury
caused by an Accident, independent of all other causes of death. Accidsental Death must be caused within 180 days of any bodily injury.
2. Maturity benefit
No benefit is payable on survival till end of policy term.
8 x 16 (Open)
PAGE 6
PAGE 3
Single, annual, half-yearly, quarterly and monthly* frequencies are available under this product.
*Subject to our prevailing operational rules, it may be required for Monthly Frequency to be taken with ECS/SI and to pay first 3 months premium in advance
Plan Option
Cover
Life Option
Death Benefit
Your cover (Sum Assured) will be based on your age, gender and plan option within the applicable limits as
mentioned below:
Income option
Part of the Death benefit as a Lump sum with the remaining payable in form of
monthly income over a period of 15 years.
Assured becomes payable for a period of 10 years. The monthly income can be level
Conversion Factor
1.0000
0.5100
100% of Sum Assured is paid on death and a monthly income equal to 0.5% of Sum
Frequency
Quarterly
Monthly
Conversion Factor
0.2600
0.0875
For policies bought online directly by the prospective policyholder, discount of 5.5% on premium would be provided. However the minimum annualized premium
remains Rs 3000.
Limits
18 years
65 years
75 years
You can buy this plan at www.hdfclife.com. It just takes 4 steps to own your Click 2 Protect Plus plan.
Customize
your plan
Choose your
1. Plan Option 2. Sum Assured 3. Policy Term 4. Additional
Coverage Options 5. Premium Paying Term & Frequency of payment
Generate
Premium quote
You can choose to be covered for any term from 10 years to 40 years subject to meeting the maximum maturity age.
Provide your
relevant
information
You can choose to pay from either of the 3 premium paying options available with this plan:
Pay premiums
Pay your premiums! Your policy document will be sent to you subject to
acceptance of your application as per the policy terms & conditions.
OR
b. Limited pay- you pay premiums for your chosen policy term less 5 years
OR
8 x 16 (Open)
PAGE 6
PAGE 3
Single, annual, half-yearly, quarterly and monthly* frequencies are available under this product.
*Subject to our prevailing operational rules, it may be required for Monthly Frequency to be taken with ECS/SI and to pay first 3 months premium in advance
Plan Option
Cover
Life Option
Death Benefit
Your cover (Sum Assured) will be based on your age, gender and plan option within the applicable limits as
mentioned below:
Income option
Part of the Death benefit as a Lump sum with the remaining payable in form of
monthly income over a period of 15 years.
Assured becomes payable for a period of 10 years. The monthly income can be level
Conversion Factor
1.0000
0.5100
100% of Sum Assured is paid on death and a monthly income equal to 0.5% of Sum
Frequency
Quarterly
Monthly
Conversion Factor
0.2600
0.0875
For policies bought online directly by the prospective policyholder, discount of 5.5% on premium would be provided. However the minimum annualized premium
remains Rs 3000.
Limits
18 years
65 years
75 years
You can buy this plan at www.hdfclife.com. It just takes 4 steps to own your Click 2 Protect Plus plan.
Customize
your plan
Choose your
1. Plan Option 2. Sum Assured 3. Policy Term 4. Additional
Coverage Options 5. Premium Paying Term & Frequency of payment
Generate
Premium quote
You can choose to be covered for any term from 10 years to 40 years subject to meeting the maximum maturity age.
Provide your
relevant
information
You can choose to pay from either of the 3 premium paying options available with this plan:
Pay premiums
Pay your premiums! Your policy document will be sent to you subject to
acceptance of your application as per the policy terms & conditions.
OR
b. Limited pay- you pay premiums for your chosen policy term less 5 years
OR
8 x 16 (Open)
PAGE 2
PAGE 7
Sometimes the simplest choice is the best one for you. A pure protection plan is a simple way
to get comprehensive protection at an affordable price and protect yourself and your loved
ones against the uncertainties that life may throw at you.
With a range of additional coverage options, HDFC Life Click 2 Protect Plus is an ideal
comprehensive protection plan for you.
1. Death benefit
In the unfortunate event of death of life assured during the policy term, the nominee will receive the benefit as
defined below:
Highest of:
125% of Single Premium
Sum Assured
Highest of:
10 times the annualized premium
105% of all the premiums paid as on date of death
Sum Assured
For the purpose of the computation of the Death Benefit, the annualized premium shall exclude the underwriting
extra premiums and loadings for modal premiums, if any.
Under Life Option, the Death Benefit specified above shall be payable in the form of a lump sum upon death.
Under Extra Life Option, the Death Benefit specified above shall be payable in the form of a lump sum and an
additional benefit equal to the Sum Assured shall be payable in case of accidental death.
Under Income Option, the Death Benefit specified above is paid in the following manner:
10% of the Death Benefit paid as a lump sum upon death
Remaining 90% of the Death Benefit shall be paid as monthly income over next 15 years
(0.5% of Death Benefit every month for 15 years)
Under Income Plus Option:
100% of the Death Benefit specified above shall be paid as a lump sum upon death
In addition, a monthly income equal to 0.5% of the Sum Assured shall be payable for a period of 10 years.
The monthly income can be level or increasing at 10% p.a. as chosen by the policyholder.
An Accident is a sudden, unforeseen and involuntary event caused by external, visible and violent means. Accidental Death means death by or due to a bodily injury
caused by an Accident, independent of all other causes of death. Accidsental Death must be caused within 180 days of any bodily injury.
2. Maturity benefit
No benefit is payable on survival till end of policy term.
8 x 16 (Open)
PAGE 4
PAGE 5
Events*
Subject to maximum
Additional Sum Assured
Marriage
50%
Rs. 50,00,000
st
25%
Rs. 25,00,000
nd
25%
Rs. 25,00,000
Birth of 1 child
Birth of 2 child
Premium Pay
Surrender Value
Single pay
Regular pay
No surrender value
Limited pay
No surrender value
At various milestones of his life, Joy is able to stay adequately covered - without any medicals!
Suicide Clause
In case of death due to suicide, within 12 months from the date of inception of the policy, the nominee of the
policyholder shall be entitled to 80% of the premiums paid.
In case of death due to suicide within 12 months from the date of revival of the policy, the nominee of the policyholder shall be entitled to 80% of the premiums paid post revival.
8 x 16 (Open)
PAGE 4
PAGE 5
Events*
Subject to maximum
Additional Sum Assured
Marriage
50%
Rs. 50,00,000
st
25%
Rs. 25,00,000
nd
25%
Rs. 25,00,000
Birth of 1 child
Birth of 2 child
Premium Pay
Surrender Value
Single pay
Regular pay
No surrender value
Limited pay
No surrender value
At various milestones of his life, Joy is able to stay adequately covered - without any medicals!
Suicide Clause
In case of death due to suicide, within 12 months from the date of inception of the policy, the nominee of the
policyholder shall be entitled to 80% of the premiums paid.
In case of death due to suicide within 12 months from the date of revival of the policy, the nominee of the policyholder shall be entitled to 80% of the premiums paid post revival.
8 x 16 (Open)
PAGE 8
PAGE 1
Nomination: As per Section 39 of the Insurance Act, 1938, you can nominate a person to
receive the benefit under this policy. During your lifetime and while your policy is in force,
you may at any time, by written notice to us, designate any person or persons as a nominee
to whom we shall pay benefits under this policy upon your unfortunate death. In case the
nominee so named is a minor, then the policyholder is required to name an appointee (other
than himself) for the minor nominee.
G. Assignment: You may also assign this policy by an endorsement upon the Policy itself or by
a separate instrument in accordance with Section 38 of the Insurance Act. For assigning
this Policy, you should submit a written request to the Company and upon receipt of such
written request, the Company shall record the assignment. Assignment will not be
permitted if the Policy is issued under the Married Womens Property Act, 1874. The
Company does not accept any responsibility and/or express any opinion on the validity or
legality of any assignment made by the Policyholder. Upon the receipt of the notice of
assignment in writing, the Company shall record the information in relation to such
assignment and shall, on the request of the person by whom the notice was given, or of
the assignee, grant a written acknowledgment of the receipt of such notice.
H. Alterations: Policy term and premium paying term cannot be altered. Premium payment
frequency can be altered.
I.
J.
Section 41 of the Insurance Act, 1938: (1) No person shall allow or offer to allow, either
directly or indirectly, as an inducement to any person to take or renew or continue an
insurance in respect of any kind of risk relating to lives or property in India, any rebate of
the whole or part of the commission payable or any rebate of the premium shown on the
policy, nor shall any person taking out or renewing or continuing a policy accept any rebate,
except such rebate as may be allowed in accordance with the published prospectuses or
tables of the insurer. (2) Any person making default in complying with the provisions of this
section shall be punishable with fine which may extend to five hundred rupees.
Features #Built2Adjust
Increase life cover
@ key milestones
Provided that nothing in this section shall prevent the insurer from calling for proof of age
at any time if he is entitled to do so, and no policy shall be deemed to be called in question
merely because the terms of the policy are adjusted on subsequent proof that the age of
the life insured was incorrectly stated in the proposal.
Lumpsum + Monthly
claim settlement1
L. Service Tax: As per the current service tax laws, service tax is applicable on the life
insurance premiums. Any other indirect tax or statutory levy becoming applicable in future
may become payable by you by any method we deem appropriate including by levy of an
additional monetary amount in addition to the premium.
M. In case of fraud or misrepresentation including non-disclosure of any material facts, the
Policy shall be cancelled immediately and the Surrender Value shall be payable, subject to
the fraud or misrepresentation being established in accordance with Section 45 of the
Insurance Act, 1938.
Lumpsum + Monthly claim settlement facility is available under Income Option and Income Plus option.
HDFC Standard Life Insurance Company Limited. In partnership with Standard Life plc
To ensure a life of self-respect for your family click at www.hdfclife.com.
Registered Office: HDFC Standard Life Insurance Company Limited, Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011.
Insurance is the subject matter of the solicitation. This document has no monetary value at any time and is not proof of any contract with HDFC Standard Life Insurance Company Limited.
HDFC Life Click 2 Protect Plus ( Form no. P501-123, UIN: 101N101V01) is a traditional non- participating term insurance product. This version of the product brochure invalidates all
previous printed versions for this particular plan. This product brochure is indicative of the terms, warranties, conditions and exceptions contained in the insurance policy. Please refer to the
policy document for further details. HDFC Standard Life Insurance Company Limited. IRDA Reg. No 101. ARN: PP/07/2014/4998.
CIN:U99999MH2000PLC128245
BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS
IRDA clarifies to public that
IRDA or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.
IRDA does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.
8 x 16 (Open)
*Premium amount for Regular Pay, Male, 25 years of age, 30 year policy term and under Income Option, exclusive of taxes.