HDFC Life Click2Protect Health

All You Need To Know

Features and Benefits

Features

Protection

Provide financial protection to you and your family at an affordable cost
Customize your plan with a choice of 9 plan options
All future premiums are waived on Accidental Total Permanent Disability (Available under all options) and on diagnosis of Critical Illness (available under 3D Life & 3D Life Long Protection options)
Protect yourself for whole of life with lifelong protection options
Flexibility to choose your policy and premium payment terms
Life Stage Protection feature offers to increase insurance cover on certain key milestones without medicals
Flexibility to increase your cover every year through top-up option
Special premium rates for female lives
Attractive premium rates for non-tobacco users
Tax benefits* under Section 80C and Section 10 (10 D)as per prevailing tax laws

Health

Restore benefit – A unique benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year.
Multiplier benefit – Your basic sum insured will be increased by 50% for every claim free year upto 100% of basic sum insured.
Stay Active benefit - Now with Stay Active benefit, simply walk your way to good health and earn upto 8% discount on your renewal premium.
Preventive Health Check-up - This policy helps you keep track of your health status with its preventive health check up benefit offered at renewal irrespective of claim status
Lifelong renewal - Offers lifelong coverage on continuous renewal and stay covered forever
No sub-limit on room rent - With this health plan you can get the room you like and the treatment you deserve without a hassle
Cashless transaction - Policy enables you to get treated on a cashless basis across 4500+ network hospitals in over 830 cities.
No geography based sub-limits - No matter where you buy your policy you can get treated in any city or hospital you like in the country with no additional co-pays or sub-limits.
No claim based loading – Your renewal premium will never be loaded because you claimed or fell ill after taking the policy
Quick turnaround time - You don't have to worry about claim pre-authorization, 90% of pre authorization is done within 2 hours.
Quick claim payment - When it comes to claim settlement, every genuine claim is honoured speedily – one of the fastest in the industry.
Easy upgrade- This health plan also comes with an easy upgrade option. You can upgrade your cover to the next slab at the time of your policy renewal
Tax benefits - You can avail tax benefits for the premium amount under Section 80 D of the Income Tax Act*

* Tax benefits are subject to change from time to time as per tax laws.

Benefits

Protection

Death Benefit is the sum of:

Sum Assured on Death AND
Series of all future monthly incomes (Only Applicable for Income Replacement Option)

Sum Assured on Death is defined as:

a. For Single Pay Policies
Highest of:
125% of Single Premium
"Guaranteed Sum Assured on Maturity"
"Absolute amount assured" to be paid on death

b. For Regular Pay & Limited Pay Policies
Highest of:
10 times of the ^$Annualised Premium
105% of ^{^}Total Premiums Paid
"Guaranteed Sum Assured on Maturity"
"Absolute amount assured" to be paid on death

^$Annualised premium shall be the premium payable in a year chosen by the policyholder, excluding the underwriting extra premiums, loadings for modal premiums, service tax and cess, if any. ^{^}Total Premiums paid = Annualised Premium × number of years (or part thereof) for which premiums have been paid for Limited and Regular Pay or Single Premium for Single Pay.
Terminal Illness Benefit In this case, the payment of Death Benefit will be accelerated and the policy will terminate. This benefit is available under all plan options
Benefit on Accidental & Total Permanent Disability (ATPD) In this case, all future premiums payable under the plan will be waived on ATPD. This benefit is available under all plan options
Critical Illness Benefit In this case, all future premiums payable under the plan will be waived, if the life assured is diagnosed with any of the 34 covered critical illnesses. This benefit is available under only 3D Life & 3D Life Long Protection options
Accidental Death Benefit In this case, an Extra Life Sum Assured is paid along with the death benefit upon death of Life Assured due to accident. This benefit is available under only Extra Life & Extra Life income options
Maturity Benefit In this case, all the premiums paid till date are returned back to the Life Assured upon survival till the end of the policy term. This benefit is available under only Return of Premium option
Life Stage Protection
Under this feature, the basic Sum Assured can be increased without underwriting on any of the below specified events in the life of the Life AssuredThis option is available for all plan options and is subject to Board Approved Underwriting Policy (BAUP)
- 1st Marriage: 50% of Sum Assured subject to a maximum of Rs. 50 lakhs
- Birth of 1st child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs
- Birth of 2nd child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs
Top Up Option
- With this option you may opt for a systematic increase of your cover from 1st policy anniversary onwards
- This option is available for all plan options and has to be opted for at policy inception and is subject to BAUP.

Health

Death
No death benefit is available under health section.
Restore Benefit
A unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year.
Health Checkup
Optima Restore helps you keep track of your health status with its preventive health check up benefit offered at renewal irrespective of claim status. The health check up benefit is available once in 2 years on sum insured of Rs 5 lakhs and once every year on sum insured of Rs 10 lakhs & above.
Multiplier Benefit
The amazing restore benefit also comes with a never before renewal incentive. If you've had a claim free year, your basic sum insured will be increased by 50% as no claim bonus. If you don't claim even in the second year, your basic sum insured will be doubled as no claim bonus i.e. 100% of the basic sum insured.
Critical Advantage Rider:
You can opt to cover yourself worldwide at the network centers against treatment expenses for 8 major illnesses, that include Cancer, Coronary Artery by-pass surgery, Heart Valve replacement/ repair, Neurosurgery, Live Donor Organ Transplant, Bone Marrow Transplant, Pulmonary artery graft surgery and Aorta Graft Surgery. The rider offers you freedom to not only avail best healthcare services world over but also covers all travel costs for the insured and accompanying relative; accommodation expenses; second opinion & post hospitalization expenses.
Portability:
Policy offers you easy portability, so that if you are insured under other insurer’s health insurance policy you can transfer to Apollo Munich with all your accrued benefits after due allowances for waiting periods and enjoy all unbelievable benefits of the policy. The insured has an option to port to any other health insurance plan offered by another insurer as per portability guidelines. Portability section is applicable for Health section only and not applicable for Protection section.

Advantages

Ease of purchase – Two plans can be purchased together
Service touch points in over 600 branches of both insurers
5% discount on total premium on purchase of HDFC Life Click 2 Protect Health.
Only plan that provides tax benefits under section 80C, 80D and 10(10)D of the Income Tax Act, 1961.
A customer can give payment for both policies together; go for single documentation and single medical test to buy this policy.

Eligibility

Eligibility Criteria	Protection		Health
Eligibility Criteria	All Options except Life Long Protection Option & 3D Life Long Protection Option	Life Long Protection Option & 3D Life Long Protection Option	Health
Min Age at Entry	18 years	25 years	91 days
Max Age at Entry	65 years	60 years	65 years
Min Policy Term	5 years	Whole of Life	1 year or 2 year period (sum insured & benefits will be applicable on policy year basis)
Max Policy Term	40 years	Whole of Life
Premium Payment Mode	Single Pay^$, Regular Pay, Limited Pay : 5 years to 39 years	Limited Pay : (65 - Age at Entry)	Annual for 1 year policy period and single for 2 years policy period
Premium Payment Frequency	Single, Annual, Semi-Annual, Quarterly, Monthly	Annual, Semi-Annual, Quarterly, Monthly
Min Age at Maturity	23	Whole of Life	Life Long on continuous Renewals
Max Age at Maturity	75	Whole of Life	Life Long on continuous Renewals
Min- Max Sum Assured/Insured	Rs. 10,00,000-No Limit (Subject to Board Approved Underwriting Policy)		3 Lakh/5 Lakh/10 Lakh/15 Lakh/20 Lakh/ 25 Lakh/50 Lakh

Important Disclaimer

* The policy holder may avail of benefits are as provided under the tax laws. The premium would be subject to service tax and education cess as per applicable tax rates. Tax laws are subject to change basis the amendments made from time to time.

HDFC Standard Life Insurance Company Limited, Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011.

Apollo Munich Health Insurance Co. Ltd. CIN: U66030TG2006PLC051760, IRDAI Reg No.: 131.

HDFC Life Click 2 Protect Health (UIN: 101Y115V01) is a Combi Product with both protection and health benefits. The risks of this product are distinct and are accepted by the respective insurance Companies.
This is a non-participating plan. The name of the company, name of the brand and the name of the product does not indicate the quality of the plan. HDFC Standard Life Insurance Co.Ltd. Reg.No.101

HDFC Bank Limited ("HDFC Bank") is a corporate insurance agent of HDFC Standard Life Insurance Company Limited ("HDFC Life") under HDFC Bank Ltd. Certified Corporate Agent IRDAI Registration No.CA0010 issued by Insurance Regulatory & Development Authority of India and does not underwrite the risk or acts as an insurer. The insurance is underwritten by HDFC Life and Apollo Munich Health Insurance. The policies are issued to you by HDFC Life and Apollo Munich Health Insurance and is subject to the terms and conditions governing such policy. The contract of insurance is between HDFC Life / Apollo Munich Health Insurance and the insured only, and not between HDFC Bank and the insured. HDFC Bank is acting merely as the corporate agent of HDFC Life and there is no direct or indirect linkage between the provisions of the banking services offered by HDFC Bank. Your participation in this product is purely on a voluntary basis. HDFC Bank is not responsible or liable for performance of any obligations under the contract of insurance.

View Commission-related information

FAQs

1, Why should I buy this Plan?
Click 2 Protect Health provides both Protection and Health benefits under one plan. It protects you and your loved ones from financial losses due to death or health incidents.

2. What is the difference between Combo & Combi Plan?
A Combo Plan is one where two or more products of the same company are sold together as a solution. A Combi Plan is one which is a combination of a life plan and a health plan from two different insurers.

3. What are the other benefits available to the customer?
A customer has to give a single cheque, go for single documentation and single medical test to buy this policy.

4. Is there any discount available?
A customer will get 5% discount (offline) on annual Premium(s) paid towards both Life & Health. At any time during the validity of the policy, the Customer decides to opt out of one of the products, the discount, if any, being offered to such Customer under Click 2 Protect Health shall not be available to the Customer going forward.

5. Will I be able to port my existing plan to this plan?
Yes, the health part of the Click 2 Protect Health allows any health policy from another insurer to be ported, subject to waiting periods.

6. What are the benefits available under Life Option?
Under this option your Nominee will get a Lumpsum Benefit on death or diagnosis of Terminal Illness. Your future Premium(s) will be waived upon Accidental Total Permanent Disability. These benefits are available under all plan options.

7. What is the difference between Life and 3D Life options?
In addition to the benefits under Life Option, you will receive an additional benefit of waiver of your future Premium(s) upon diagnosis of Critical Illness under 3D Life option.

8. What is the difference between Life and Extra Life options?
In addition to the benefits under Life Option, you get an additional Extra Life Sum Assured upon death due to Accident under Extra Life option. Customer has the flexibility to select the amount of Extra Life Sum Assured (maximum upto Base Sum Assured).

9. What is the difference between Life and Life Long Protection options?
In addition to the benefits under Life Option, Life Assured is covered for whole life under Life Long Protection option.

10. What is Life Stage Protection feature?
Under this feature, you have the option to increase the basic Sum Assured without Underwriting on any of the below specified events in the life of the Life Assured

•   1stMarriage: 50% of Sum Assured subject to a maximum of Rs. 50 lakhs
•   Birth of 1st child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs
•   Birth of 2nd child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs

This feature is available under all plan options

11. What is Top up option?
This option provides for a systematic increase of your cover from 1st Policy Anniversary onwards. This option is available under all plan options and has to be opted at policy inception.

12. Are there any alterations allowed under this plan?
You shall have the option to alter the premium payment frequency at any Policy Anniversary.

13. How many Critical Illnesses are covered under 3D Life & 3D Life Long Protection options and what is the benefit associated with them?
These plan options provide Waiver of Premium benefit if the Life Assured is diagnosed with any of the 34 covered Critical Illness.

14. What is Accidental Total Permanent Disability (ATPD)?
ATPD means when the Life Assured is totally, continuously and permanently disabled and meets either of the two definitions below:

•   Unable to Work:

Disability as a result of Injury or Accident and is thereby rendered totally incapable of being engaged in any work or any occupation or employment for any compensation, remuneration or profit and he/she is unlikely to ever be able to do so.

•   Physical Impairments:

The life assured suffers an injury/accident due to which there is total and irrecoverable loss of:

i. The use of two limbs; or
ii. The sight of both eyes; or
iii. The use of one limb and the sight of one eye; or
iv. Loss by severance of two or more limbs at or above wrists or ankles; or
v. The total and irrecoverable loss of sight of one eye and loss by severance of one limb at or above wrist or ankle.
The disabilities as stated under “Unable to Work” and “Physical Impairments” must have lasted, without interruption, for at least 6 consecutive months and must, in the opinion of a medical practitioner (as defined below), be deemed permanent. The benefit will commence upon the completion of this uninterrupted period of 6 months. However, for the disabilities mentioned in (iv) and (v) under Part (2), such 6 months period would not be applicable and the benefit will commence immediately.

15. Define Terminal Illness
A Life Assured shall be regarded as terminally ill only if that life assured is diagnosed as suffering from a condition which, in the opinion of two independent medical practitioners’ specializing in treatment of such illness, is highly likely to lead to death within 6 months. The Terminal Illness must be diagnosed and confirmed by medical practitioners’ registered with the Indian Medical Association and approved by the Company. The Company reserves the right for independent assessment. Terminal illness due to AIDS is excluded. The definition of Medical Practitioner will be in line with Guidelines on Standardization in Health Insurance, and as defined below: A Medical Practitioner is a person who holds a valid registration from the Medical Council of any State or Medical Council of India or Council for Indian Medicine or for Homeopathy set up by the Government of India or a State Government and is thereby entitled to practice medicine within its jurisdiction; and is acting within the scope and jurisdiction of licence. The person must be qualified in allopathic system of medicine and shall not be the Life Assured himself/herself.

16. Please confirm maximum how many members can be covered under Optima Restore Family Floater policy? Also specify the different combinations available?
The maximum number of members included in a family floater if 4. The available combinations are
Adults, 2 Adults +1 child, 2 Adults +2 Children, 1 Adult +1 Child, 1 Adult +2 Children, 1 Adult + 3 Children.

17. What is StayActive Benefit?
It is a renewal discount offered based on your average step count recorded in the mobile application provided by Us in the specified time interval. For a 1 year Policy, average step count is calculated for 4 different time intervals based on which discount for that interval is calculated. During renewal discount calculated for these intervals is accrued and applied on the Premium applicable. For a 2 year Policy, this is done for 8 different time intervals.

18. What will I have to do to avail the StayActive Benefit?
You have to download the mobile application provided by us using which steps taken by you are counted and recorded.

19. Who all can avail the StayActive Benefit?
This benefit is applicable to only adult members in the policy. Dependent children will not be considered for calculation of average steps.

20. How is my StayActive benefit calculated for an Individual policy?
In an individual policy, discount % would be applied on premium applicable per insured member based on the average step count calculated for each.

21. How is my Stay benefit calculated for a floater policy?
In a floater policy, discount % would be applied on premium applicable for Policy based on the average step count of all the Adult members in the policy. For example, in a 2A+2C floater policy, average steps of 2 Adults is computed based on which eligible discount is given.

22. What happens when an adult member is added in the mid-term of an Individual Policy?
The discount calculation for the adult member added in the mid- term of the policy will be done from the next time interval and not the ongoing time interval in which he/she has been added to the policy.

23. What happens when an adult dependent is deleted from an individual Policy?
When an adult dependent is deleted from an individual policy he/she will be logged out of the StayActive application and any discount accrued for that member before cancellation cannot be transferred/Monetized.

24. What happens when a Primary Insured is deleted from an individual Policy?
When a Primary Insured is deleted, existing policy is cancelled and a new Policy is issued with a new policy number and member Id with the same Risk Start Date. Deleted member will be removed from the StayActive benefit and the remaining members will have to link the new member id with the existing login. After linking all the accrued steps and discount of the members will continue under new member id.

25. What happens when an adult member is added in the mid-term of a floater Policy?
For calculation of average steps and discount, steps walked by the new member added will be considered from the next time interval and not the in ongoing time interval in which he/she has been added to the policy.

26. What happens when an adult dependent is deleted from a floater Policy?
When an adult dependent is deleted from an individual policy he/she will be logged out of the StayActive application. Steps walked by the deleted member before deletion will be considered for calculation of Average steps and discount. After the member deletion average will be calculated based on the steps walked by remaining members.

27. What happens when a Primary Insured is deleted from a floater Policy?
When a Primary Insured is deleted, existing policy is cancelled and a new Policy is issued with a new policy number and member Id with the same Risk Start Date. Deleted member will be removed from the Stay Active benefit and the remaining members will have to link the new member id with the existing login. After linking all the accrued steps and discount of the members will continue under new policy number and Steps walked by the member before deletion will be considered for calculation of Average steps and discount.

28. Is Emergency Air Ambulance Cover cashless?
No, it is not cashless. You will be paid either actual expenses or ₹ 2.5 Lakhs per hospitalization if all the specified conditions are satisfied.

29. How to avail air ambulance facility?
This will be on reimbursement basis.

30. Who will confirm whether the condition is life threatening or not?
It will be decided by claims team during Claim processing based on the treating doctor`s certificate and case papers for reimbursement.

31. What is the difference between internal congenital and genetic disorders, since genetic disorder is still excluded?
Internal congenital may or may not be genetic.

32. Is there a network hospital list available for Critical Advantage Rider?
There is no standard hospital list available for Critical Advantage Rider, basis the condition and complexity of the treatment, options for network hospital are provided to the customer to select from.

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HDFC Life Click2Protect Health

All You Need To Know

Features and Benefits

Eligibility

Important Disclaimer

FAQs

Manage Your Insurance

Tools & Calculators

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