Click 2 Protect Life in one table
| 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.
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.
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.
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.
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.
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.
Click 2 Protect Life exclusions: what the 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.
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.
Click 2 Protect Life questions, answered
How much cover does Click 2 Protect Life offer?
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.
Who can buy Click 2 Protect Life?
Entry to Click 2 Protect Life runs from 18 to 65 years. Cover can run to age 85, which is the maximum maturity age on this plan. What you are actually offered still depends on your income, health and any cover you already hold.
What does Click 2 Protect Life not cover?
Like every term plan, Click 2 Protect Life excludes suicide within 12 months of cover starting or of the policy being revived – at least 80% of the premiums paid is returned and nothing more. The policy wording you are issued is the contract.
Read it from the insurer
We summarise. The policy wording is the contract, and it is the only document that settles a dispute. These links go to the insurer's own pages.
Understand the terms before you commit
A plan page tells you what this policy does. These explain why each term matters and what it costs you when it is missing.
Other HDFC Life plans we have read
HDFC Life files these separately, and the terms differ between them. If you are choosing within the range, compare the waiting periods and the exclusions rather than the sum insured.