Money Excel - Personal Finance Blog

Menu
MENUMENU
MENUMENU
  • Home
  • Business Ideas
    • 225 Small Business Ideas
    • 40 Online Business Ideas
    • 20 Business Ideas for Beginners
    • 20 small manufacturing business
    • 30 Food Business Ideas
    • 100 Business Ideas low investment
  • Stock Market
    • Best Demat & Trading Accounts 2020
    • Best Stocks 2020 by Experts
    • Best Virtual Trading Apps
    • Best Stock Screener
    • Best Discount Brokers in India
    • Multibagger Stocks of LockDown
    • Rakesh Jhunjhunwala Portfolio
  • Mutual Funds
    • Best Mutual Funds 2020-21
    • Best Direct Mutual Fund Platform
    • Best Mutual Fund Mobile Apps
  • Incometax
    • Income Tax Slab FY 2020-21
    • Income Tax Calculator FY 2020-21
    • Income Tax Refund Request
    • Pay Advance Tax Online
    • Download New 15G -15 H Forms
  • Investment
    • Best Investment Ideas 2020
    • Long Term Investment Options
    • Best Investment Regular Income
    • Best Investment Options NRI
  • Credit Card
    • Best Credit Cards 2020-21
    • Best credit card for online shopping
    • Best Forex Card in India
    • Best Business Credit Cards
    • Credit Cards against Fixed Deposit
  • Insurance
    • Best Term Insurance Plans 2020
    • Best Health Insurance 2020
    • Best LIC Policy 2020
    • Best Car Insurance Companies
    • Best Mobile Insurance Companies
  • Downloads
Home
Insurance
HDFC Click 2 Protect 3D Plus Review – Key Features Benefits

HDFC Click 2 Protect 3D Plus Review – Key Features Benefits

Raviraj Parekh May 16, 2020

hdfc click 2 protect 3d plus

HDFC Click 2 Protect 3D Plus is a non-linked non-participating term insurance plan for the individual. 3D in this plan refers to Death, Disability & Disease. This means HDFC Click 2 Protect 3D plus plan provides you coverage of death, disability, and disease in a single plan. You need not purchase a separate plan for critical illness or disability. Generally, a term plan is a simple product that provides a life protection against premium paid. Some of the term insurance product also provide the facility of an accidental rider, premium waiver, and critical illness benefit at extra cost. However, HDFC Click 2 Protect 3D plus is a unique plan that provides 9 different options to the policyholder. Let’s review HDFC Click 2 Protect 3D Plus plan in detail.

HDFC Click 2 Protect 3D Plus Policy  

  • Option to customize policy with 9 different options.
  • All future premiums are waived on Accidental Total Permanent Disability (available under all options) and on diagnosis of Critical Illness (Available with 3D Life and 3D Life Long Protection options).
  • Life stage protection offers increase coverage on certain key milestones without medicals.
  • One can increase cover every year via top-up options.
  • The special premium rate for female.
  • The Lucrative premium rate for non-tobacco users.

Also Read – HDFC Click 2 Protect Plus – Review

HDFC Click 2 Protect 3D plus comes with following options.

  1. Life Option – Under this option nominee of policyholder gets a lumpsum benefit on death or diagnosis of Terminal illness.
  2. 3D Life Option – In addition to life option, you will get an additional benefit of waiver of future of premium on the diagnosis of critical illness.
  3. Extra Life Option – This option gives you extra life sum assurance upon death due to an accident.
  4. Income Option – Income option provide benefit of lumpsum payment and stream of regular income on death of policy holder.
  5. Extra Life Income Option – This option gives you benefit of extra life option and Income option together.
  6. Income Replacement Option – This option secure your nominee get income stream even in your absence.
  7. Return of Premium Option – This option will return all your premium if you survive till the end of the policy period. On death during policy period sum assured will be paid to the nominee.
  8. Life Long Protection Option -Your nominee gets a lumpsum Benefit on death or diagnosis of Terminal Illness. Your future premiums are waived upon Accidental Total Permanent Disability
  9. 3D Life Long Protection Option – In addition to the benefits under Life Long Protection Option, you will receive an additional benefit of waiver of your future premiums upon diagnosis of Critical Illness.

HDFC Click 2 Protect 3D Plus Policy – Eligibility

Min Age at Entry – 18 years

Max Age Entry – 65 years

Do not miss below posts -
  • LIC Aadhaar Shila Plan (844) – Features and Benefit Review
  • LIC Jeevan Labh Plan Table 836 Features & Benefits
  • LICMobile Good App by LIC

Min Policy Term – 5 years

Max Policy Term – 40 years

Min Sum Assured – 10 Lakh

Min Age at Maturity – 23 years

Max Age at Maturity – 75 years

The process of purchasing this policy is different. You need to first customize your plan by selecting an option. After selection of an option, you need to decide sum assured, policy term. Once you are done you need to give your personal information and pay a premium to purchase this policy.

Also Read –HDFC Life Click 2 Retire Online ULIP

Should you purchase HDFC Click 2 Protect 3D Plus policy?

HDFC Click 2 Protect 3D Plus policy seems to be old wine in new bottle. Old plan of Click 2 Protect term plan is launched with 3D benefit and other options. The option given in this term plan seems to be attractive at first instance. However, the basic idea of purchasing term plan is to provide risk coverage. As per me, it will not be wise to mix term plan with any other option.

Do not miss below posts -
  • LIC Jeevan Shiromani – Moneyback Plan | Features Reviews
  • Pradhan Mantri Suraksha Bima Yojana – PMSBY
  • SBI Shagun Policy – Personal Accident Policy

If you have not purchased any other term plan you can consider HDFC Click 2 Protect 3D Plus policy. This plan is recommended with Life Option only. However, you should compare this plan with all other online term plans available in the market before taking any decision.

Prev Article
Next Article
Tags:Click 2 Protect 3D HDFC Click 2 Protect HDFC Click 2 Protect 3D Plus HDFC Click 2 Protect 3D plus term plan

About The Author

Raviraj Parekh

Raviraj is the man behind moneyexcel.com. He is PGDBA, engaged in blogging for 10 years. Moneyexcel blog is ranked as one of the Top 10 Personal Finance Blog in India. He is not affiliated with any financial product, service provider, agent or broker. The purpose of this blog is to spread financial awareness and help people in achieving excellence for money. Please note that the views expressed on this Blog/Comments are clarifications meant for reference and guidance of the readers to explore further on the topics. These should not be construed as investment advice or legal opinion.

Leave a Reply

Cancel reply

IIFL Demat Account

Search

Top Posts & Pages

  • Income Tax Calculator FY 2020-21 (AY 2021-22) – Excel Download
  • Rakesh Jhunjhunwala Portfolio Holdings - January 2021
  • 20 small manufacturing business ideas with low cost
  • How to check Property Records and Land Records online in India?
  • Cash Deposit Machine Locator – How to find CDM Near You?
  • 235 Small Business Ideas with Low Investment in 2021-22
  • LIC Premium Paid Certificate Download For Income Tax Purpose - Online
  • Best Direct Mutual Funds for Investment in 2021
  • 10 ways to Convert Black Money to White
  • Top 60 Manufacturing Business Ideas

Subscribe to Blog via Email

Join 5,476 other subscribers

Follow MoneyExcel

Money Excel – Personal Finance Blog

Personal Finance Blog
Copyright © 2021 Money Excel - Personal Finance Blog
| About |Downloads | Contact Us | Sitemap | Disclaimer | Privacy Policy |