Bajaj Life vs HDFC Life Term Plan: eTouch II vs Click 2 Protect

Bajaj eTouch II or HDFC Click 2 Protect Supreme Plus: which should you buy?

At age 30, Bajaj Life eTouch II is the cheaper of the two plans; HDFC Life Click 2 Protect Supreme Plus has the stronger claim record. eTouch II also offers more ways to pay your family and cover that can run to 99. Click 2 Protect Supreme Plus lets you raise cover on marriage, a child or a home loan with no fresh medicals.

For a non-smoking 30-year-old man, ₹1 crore of cover to age 60 costs ₹8,856 a year on eTouch II and ₹10,440 on Click 2 Protect Supreme Plus, ₹1,584 a year apart (nyvo's own premium data, May 2026). HDFC Life settles 99.6% of individual death claims and Bajaj Life 99.2%, and HDFC Life draws 1.33 complaints per 10,000 claims against Bajaj Life's 3.95 (IRDAI data, a weighted average of the last three financial years, latest available as of March 2026).

On nyvo's Term Plan Rating, Click 2 Protect Supreme Plus scores 4.6 and eTouch II 4.5 out of 5 in our best term plans for 2026; here is how we rate plans. Bajaj Life was until recently Bajaj Allianz Life. HDFC Life sells several plans under the Click 2 Protect name, and this page compares Click 2 Protect Supreme Plus, the one nyvo rates.

How do eTouch II and Click 2 Protect Supreme Plus compare, feature by feature?

Bajaj Life eTouch II and HDFC Life Click 2 Protect Supreme Plus both start at ₹50 lakh of cover with no fixed upper limit, take entry from 18 to 65 and pay up to ₹2 crore early on a terminal illness. They differ on how long cover can run, the shape of the payout, how premiums can be paused and how cover can grow.

Plan features from the eTouch II brochure, policy document and customer information sheet (UIN 116N198V08) and the Click 2 Protect Supreme Plus sales brochure (UIN 101N189V01), as recorded in nyvo's policy database. Claim and complaint ratios: IRDAI data, a weighted average of the last three financial years, latest available as of March 2026. Premiums: age 30, ₹1 crore cover, cover till 60, regular pay, non-smoker and non-diabetic, salaried graduate on ₹10 lakh income; nyvo's own premium data, May 2026.

Which is cheaper, eTouch II or Click 2 Protect Supreme Plus?

Bajaj Life eTouch II is the cheaper plan at age 30. A non-smoking 30-year-old man pays ₹8,856 a year for ₹1 crore of cover to 60 on eTouch II and ₹10,440 on HDFC Life Click 2 Protect Supreme Plus, so HDFC Life costs ₹1,584 a year more, about 18% (nyvo's own premium data, May 2026).

Age 30, ₹1 crore cover, cover till 60, regular pay, non-smoker and non-diabetic, salaried graduate on ₹10 lakh income. nyvo's own premium data, May 2026.

At 30 these are the cheapest and the dearest of the five plans nyvo rates (nyvo's own premium data, May 2026). Each plan's price moves differently with age, so the cheaper plan at 30 is not guaranteed to be the cheaper one at yours. Our ₹1 crore term insurance cost breakdown shows how premiums rise with entry age from 25 to 45, and a quote at your own age settles it.

Where is eTouch II the better choice?

Bajaj Life eTouch II suits a buyer who wants the lower premium at 30, a payout split between a lump sum and an income without paying for a rider, cover that can run past 85, and premiums waived at no extra cost if an accident leaves them totally and permanently disabled.

• The lower premium at 30. ₹8,856 a year against ₹10,440 for a non-smoking man buying ₹1 crore of cover to 60, and ₹628 a month against ₹740 for a woman (nyvo's own premium data, May 2026).
• More payout shapes, no rider needed. You fix the payout at purchase: a lump sum, a monthly income over 5, 10, 20, 30 or 40 years, or 10% to 90% up front with the rest as income. Click 2 Protect Supreme Plus offers a lump sum or a monthly income, and a split only through its Parent Protect Care rider.
• Cover that can run to 99. The pure-cover and accidental-death variants can be written to age 99 if you pay over a limited term. Click 2 Protect Supreme Plus stops at 85.
• Accidental disability built in. If an accident leaves you totally and permanently disabled, every future premium is waived at no extra cost. On Click 2 Protect Supreme Plus, a premium waiver on disability is a rider you pay for.
• Two ways to ease premiums. Auto Cover Continuance defers up to 12 months of premium once three policy years are done, against five years on Click 2 Protect Supreme Plus, or two for a woman during pregnancy or within six months of a delivery or a spouse's death. Premium Holiday, chosen at purchase with a policy term and premium term of 20 years or more, lets you skip one, two or three years of premium after the fifth policy year.
• More critical illness choice. The New Critical Illness Benefit rider comes in packages of 10, 25 or 60 illnesses, and covers breast, cervical, uterine, ovarian, vulval and vaginal cancers for women under every package.
• A larger accident rider. Accidental Death Benefit II can be set at up to three times the base death benefit and is paid on top of it. Life Plus on Click 2 Protect Supreme Plus adds an amount equal to the base cover.

Where does Click 2 Protect Supreme Plus pull ahead?

HDFC Life Click 2 Protect Supreme Plus suits a buyer who puts the insurer's claim record first, expects cover needs to grow with marriage, children or a home loan, and wants riders that pay an income to a child or cover a spouse. HDFC Life settles a higher share of death claims than Bajaj Life and draws fewer complaints per 10,000 claims, on IRDAI's published data.

• The stronger claim record. HDFC Life settles 99.6% of individual death claims and draws 1.33 complaints per 10,000 claims, against Bajaj Life's 99.2% and 3.95 (IRDAI data, a weighted average of the last three financial years, latest available as of March 2026).
• Cover that grows without new medicals. Raise cover by up to 50% on marriage, a child or a home loan, with no fresh medicals. eTouch II's Life Stage Upgrade has to be chosen at purchase, used before 45 and passed through fresh underwriting, and using it cancels the Early Exit Value.
• Cover that can rise on its own. An option to step cover up 5% a year, or 10% every five years, to 200%.
• Life Goal for a home loan. A variant whose cover stays level for a period you choose and then steps down at a rate you set, to track a loan being paid off.
• Smart Exit on long terms. Premiums back after 25 years on policy terms of 31 years or more, on the Life and Life Plus variants.
• A single-premium option, which eTouch II does not offer.
• Riders built around family income. Education income pays a named child 10% of the base cover, capped at ₹10 lakh, in yearly instalments until the term ends or the child turns 25. Spouse cover adds up to 50% of your sum assured for your spouse. Accidental income pays 1% of the sum assured a month for 10 years after an accident causes total and permanent disability.
• An earlier premium break for women. A woman can defer a year's premium after two policy years, during pregnancy or within six months of a delivery or a spouse's death.

What should you check before buying either plan?

Both plans carry conditions that matter more than their headline features. eTouch II fixes the payout shape at purchase and makes you choose early between two of its best features; Click 2 Protect Supreme Plus is the dearest of the five plans nyvo rates at 30 (nyvo's own premium data, May 2026) and stops its terminal illness benefit at 80.

Bajaj Life eTouch II

• The payout shape is fixed at purchase, not at claim. If you choose an income and your family later wants one payment, the remaining instalments are converted at a discount of 5% a year.
• Premium Holiday and Life Stage Upgrade cannot both sit on one policy, and both have to be chosen at purchase.
• Early Exit Value needs 25 policy years and age 60, cannot be used in the last five years, disappears once you have used a Life Stage Upgrade, and is not offered on the return-of-premium variant.
• Cover to 99 is sold only with limited pay, and on the accidental-death variant the accident payout still stops at 85.
• On the pure-cover and accidental-death variants bought on regular pay there is no surrender value at any point: stop paying and the cover simply ends.
• The return-of-premium variant caps the policy term at 50 years and costs much more than plain cover; read whether return of premium is worth it before you pay for it.

HDFC Life Click 2 Protect Supreme Plus

• A split between a lump sum and an income needs the Parent Protect Care rider, and the income part can go only to a parent or grandparent aged 50 or over.
• Terminal illness is paid early only on a diagnosis before 80, while cover can run to 85.
• Smart Exit needs a policy term of at least 31 years and is not offered on Life Goal, so on a 25 or 30-year term you will not get your premiums back.
• Spouse cover has to be chosen at inception, needs an age gap of 10 years or less, cannot be removed later and is not available on Life Goal.
• Each rider is priced separately, and a long rider list can push the quote well above the plain premium; see which term insurance riders are worth paying for.
• Supreme and Supreme Plus are two different products. Check that your quote says Click 2 Protect Supreme Plus (UIN 101N189V01).

Which plan should you choose?

Choose eTouch II if you want the lower premium at 30, want your family paid as a mix of lump sum and income without a rider, want cover past 85, or want premiums waived after a disabling accident without paying for a rider.

Choose Click 2 Protect Supreme Plus if the stronger claim and complaint record is worth paying more for (₹1,584 a year for a non-smoking 30-year-old man buying ₹1 crore, on nyvo's own premium data, May 2026), if you expect to raise cover on marriage, a child or a home loan without fresh medicals, or if you want riders that pay a child's education income or cover your spouse.

Want both quoted at your own age? A nyvo advisor can price the two plans like for like and walk you through the riders worth adding. Book a free call. It costs you nothing; here is how nyvo is paid.

FAQs

Is Bajaj eTouch II cheaper than HDFC Click 2 Protect Supreme Plus?

Yes, at age 30. A non-smoking 30-year-old man pays ₹8,856 a year for ₹1 crore of cover to 60 on Bajaj Life eTouch II and ₹10,440 on HDFC Life Click 2 Protect Supreme Plus (nyvo's own premium data, May 2026). Prices move differently with age, so compare quotes at your own age.

Which insurer has the better claim record, Bajaj Life or HDFC Life?

HDFC Life. It settles 99.6% of individual death claims and draws 1.33 complaints per 10,000 claims, against Bajaj Life's 99.2% and 3.95 (IRDAI data, a weighted average of the last three financial years, latest available as of March 2026).

Which plan pays more on a terminal illness?

Neither, on covers up to ₹2 crore. Both pay the sum assured early up to ₹2 crore; HDFC Life Click 2 Protect Supreme Plus needs the diagnosis before age 80, and Bajaj Life eTouch II keeps any cover above ₹2 crore in force with future premiums waived.

Can my family receive the payout as a monthly income?

Yes, on both. Bajaj Life eTouch II pays an income over 5, 10, 20, 30 or 40 years, or a split with a lump sum, chosen at purchase. HDFC Life Click 2 Protect Supreme Plus pays a monthly income, and a split with a lump sum only through its Parent Protect Care rider.

Can I get my premiums back without buying a return-of-premium plan?

On long policies, yes. Bajaj Life eTouch II's Early Exit Value returns your premiums after 25 policy years once you are 60, outside the last five years; HDFC Life Click 2 Protect Supreme Plus's Smart Exit returns them after 25 years on policy terms of 31 years or more, except on Life Goal.

Which plan covers me for longer?

Bajaj Life eTouch II. Its pure-cover and accidental-death variants can run to age 99 when premiums are paid over a limited term, while HDFC Life Click 2 Protect Supreme Plus runs to 85 at most.

Related Guides

• Bajaj Life eTouch II: full plan details
• HDFC Life Click 2 Protect Supreme Plus: full plan details
• Best Term Insurance Plans 2026
• Best ₹1 Crore Term Plans
• Tata AIA vs HDFC Life Term Insurance
• Tata AIA vs ICICI iProtect Smart Plus