Click 2 Protect Super
HDFC Life's term plan built around three cover shapes rather than one: level cover, cover that increases, and cover that decreases over the term. The decreasing shape - Life Goal - is the one to understand, because it is designed to track a home loan down rather than protect a family's income. It also takes entrants up to 84, far beyond most term plans.
The things that decide it
Click 2 Protect Super in one table
| Insurer | HDFC Life Insurance Company Limited |
|---|---|
| Sum insured | Set at purchase alongside the cover shape, subject to underwriting. |
Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.
What Click 2 Protect Super 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.
- Three cover shapes - level, increasing, or decreasing
- Return of premium available as an option
- Renewability option at maturity, to extend the term rather than reapply
- Entry open to age 84, far beyond most term plans
- Maturity benefit on the standard options - only the return of premium variant pays on survival
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 Option - Variant A (Level)
Most buyersCover stays flat for the whole term. The standard choice for replacing an income.
Life Option - Variants B and C (Increasing)
Cover rises through the term to keep pace with costs. Costs more from the start.
Life Goal Option (Decreasing)
Cover falls over the term, designed to track a reducing home loan balance. Cheaper, but it is loan protection rather than family protection - if the mortgage is repaid early you are left with cover that has already shrunk.
Life Plus Option
An enhanced variant within the same plan. Check the brochure for what it adds against the premium difference.
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 covered
Indicative, not exhaustive. Your policy wording is the contract.
- Suicide within 12 months of policy commencement or revival - the payout is limited to a return of premiums, per the standard clause. Read the policy wording for the exact percentage.
Where Click 2 Protect Super 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 buy
None of these are dealbreakers on their own. They are the trade-offs this plan asks you to accept.
- The Life Goal decreasing option is loan protection dressed as life cover. It falls as a mortgage amortises, so it protects the lender's exposure rather than your family's income. If you clear the loan early, or if your family needs money for living rather than the house, the cover has already shrunk.
- The 84 entry age applies to some options only - others close at 65. Confirm which option you are actually being quoted.
- Four variants across three cover shapes makes this hard to compare against a single-shape plan from another insurer. Decide the shape you need first, then compare on price.
- Return of premium costs materially more than pure term for the same cover - you are pre-paying the refund.
- Not the same plan as Click 2 Protect Supreme Plus. The names are close enough to confuse; check the UIN.
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.
Is Click 2 Protect Super the right plan for you?
A salaried, IRDAI-certified NYVO advisor will look at what you already have, tell you where this plan fits and where it does not. Free, and with no obligation to buy.
Book a free call →NYVO is an IRDAI Registered Corporate Agent (Composite), licence number CA1085. This page is general information about a product, not personal insurance advice. Plan terms are summarised from the insurer's documents – the policy wording governs.
