01The detail

Click 2 Protect Life in one table

Claim settlement ratio

99.6%FY 2024–25

95% recommended

Complaints per 10,000

1.33policies

Under 10 recommended

Insurer	HDFC Life Insurance Company Limited
Sum insured	From ₹50,000 on Life Protect and Income Plus, and from ₹20 lakh on Life & CI Rebalance. There is no stated upper limit on any of them.
Entry age	18 to 65 years (last birthday) on Life Protect and Life & CI Rebalance. Income Plus opens at 30 for a fixed term and closes at 50, and opens at 45 for whole of life.
Cover runs to	Up to 85 years on Life Protect and Income Plus fixed term, or whole of life. Life & CI Rebalance ends at 75.

Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.

02Cover

What Click 2 Protect Life does, and what it does not

Term insurance is a narrow product, so the useful question is not how this plan scores against a benchmark – it is what it pays for and what it leaves out. Both lists come from HDFC Life's own documents.

What this plan does

01Three plan options plain cover, cover that rebalances into critical illness, or cover that pays an income

02Whole-of-life cover available on the Life Protect and Income Plus options

03Entry up to 65, the widest window in HDFC Life's term range

04Cover from as little as ₹50,000 on Life Protect and Income Plus

05Single, regular or limited premium payment

06A single premium policy can run from as little as one month

What it does not do

01Whole-of-life cover on the Life & CI Rebalance option that one caps at 30 years and age 75

02Entry at 18 on every option Income Plus opens at 30 for a fixed term and 45 for whole of life

03Maturity benefit nothing is paid if you survive the term

03Variants

Which variant should you take?

This plan is sold in more than one form, and the choice is made once at purchase. Picking the wrong one is not something you can quietly correct later, so it is worth a minute now.

Life ProtectMost buyers

Plain term cover, available for a fixed term of 5 years up to age 85, or for the whole of life. Entry runs to 65 on the fixed term, and opens at 45 for the whole-life version. The simplest and usually the cheapest of the three.

Life & CI Rebalance

Cover that shifts between life and critical illness as you age. Cover starts at ₹20 lakh, the term is capped at 30 years and cover ends at 75 - the tightest limits of the three. Worth understanding properly before buying: the balance changes on a schedule set at outset, not when you need it to.

Income Plus

Pays a regular income rather than a lump sum. Entry opens at 30 for a fixed term and 45 for whole of life, and closes at 50 on the fixed term. A lump sum your family invests themselves is usually the stronger choice.

04Exclusions

What this plan will not pay for

Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.

Not coveredIndicative, not exhaustive. Your policy wording is the contract.

01Suicide within 12 months of cover starting or of the policy being revived - at least 80% of the premiums paid is returned and nothing more.

05The honest bit

Where Click 2 Protect Life falls short

No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.

Worth knowing before you buyNone of these are dealbreakers on their own. They are the trade-offs this plan asks you to accept.

01The three options are effectively three products behind one name, with different entry ages, minimum covers and term limits. A quote for Income Plus and a quote for Life Protect are not comparable, so confirm which one you are being shown.

02Life & CI Rebalance is the most complicated and the most restricted - cover ends at 75, the term caps at 30 years, and the split between life and critical illness moves on a schedule fixed at purchase rather than when you need it.

03Income Plus pays your family an income instead of a lump sum, and the shape is fixed at outset. If they would rather have had one cheque and invested it themselves, that decision was made decades before the claim.

04The ₹50,000 minimum cover on Life Protect is far too small to be useful for most families. Do not read a low floor as a recommendation.

05No maturity benefit on any option. Survive the term and nothing comes back - which is what pure term means, but it surprises people.

06Source documents