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investmentInvesting your money provides returns that help togrow your capital and fulfill your financial goals. So when an emergency arises a financial cushion is ready to cover you.
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4 Easy Steps To Start your Investment
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Enter your
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Assess your
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Benefits of HDFC Life Click 2 Invest - ULIP
- No Policy Administration and Premium Allocation charges1
- 10 fund options to choose from
- Multiple Premium Payment options
- Flexibility To Choose Your Policy Term
- Be tax-smart and avail of benefits 2 on premium paid under Sec 80C. Death Benefit and Maturity benefits are exempt 2 from Tax under Sec 10(10D).
Definition of Disability
The Definition of Disability
- Total Permanent Disability means when the insured is totally, continuously and permanently disabled and meets either of the two definitions below:
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1. 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. -
2. Physical Impairments:
The life assured suffers an injury/accident due to which there is total and irrecoverable loss of:- The use of two limbs; or
- The sight of both eyes; or
- The use of one limb and the sight of one eye; or
- Loss by severance of two or more limbs at or above wrists or ankles; or
- The total and irrecoverable loss of sight of one eye and loss by severance of one limb at or above wrist or ankle.
Once a claim has been accepted and the regular monthly benefit starts, the rider coverage expires.
A Medical practitioner is a person who holds a valid registration from the medical council of any state of India and is thereby entitled to practice medicine within its jurisdiction; and is acting within the scope and jurisdiction of his license but excluding the Practitioner who is:- Insured/Policyholder himself or an agent of the Insured
- Insurance Agent, business partner(s) or employer/employee of the Insured or
- A member of the Insured's immediate family
Critical Illness
The lists of the critical illness under this are as follows:
- Cancer of specified severity
- Open Chest CABG
- First Heart Attack - of specified severity
- Kidney Failure requiring regular dialysis
- Major Organ/Bone Marrow Transplant
- Stroke resulting in Permanent symptoms
- Apallic Syndrome
- Benign Brain Tumour
- Coma of specified severity
- End Stage Liver Disease
- End Stage Lung Disease
- Open Heart Replacement or repair of heart valves
- Loss of Independent Existence
- Loss of Limbs
- Loss of Sight
- Major Burns
- Major Head Trauma
- Permanent Paralysis of limbs
- Surgery of Aorta
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Riders
Riders are add-ons to your life insurance policy which offer benefits over and above the policy subject to certain conditions. To maximize the benefits on your life insurance policy and to customize it to suit your specific needs opt for suitable riders.
HDFC Life Income Benefit on Accidental Disability Rider
Accidents are unpleasant events which can disrupt the roadmap of your future. This rider helps you shield your income in turn of such events. It provides your family stable monthly income in the event of a disability caused due to an accident.
Benefit 1% of the sum asured as monthly icome for 10 years in event of
total permanent disability due to an accident.HDFC Life Critical Illness Plus Rider
An illness can add to your expenses monumentally. Protect yourself financially from 19 critical illnesses covered under this rider.
Benefit Lump-sum payout of rider sum assured opted for on diagnosis of any of the 19 critical illnesses covered under the plan. HDFC Life Protect Plus Rider
This rider helps you by providing lumpsum benefit and/or monthly income incase of accidental death, accidental disability and cancer.
Benefits available under Protect Plus rider Under Personal Accident Cover and Accidental Death Cover, it includes:-
- Lumpsum Amount# or
- Regular monthly Income payable for 10 years, or
- Part of benefit amount as lump sum immediately on Accidental Death and the balance benefit amount as regular monthly income for 10 years.
#For Accidental Partial Permanent Disability, benefit is paid out as percentage of Sum Assured depending upon the type of disability
Under Cancer Cover, it includes:-
- Lumpsum benefit of 25% of applicable sum insured incase of Carcinoma-in-situ or Malignant cancer / early stage cancers
- Lumpsum benefit of 100 % less Early Stage Cancer or CIS claims, if any , incase of Major cancer
- Waivers of Premium incase of Early Stage Cancer or Carcinoma-in-situ (CIS) diagnosis, premiums payable under this rider option will be waived for a period of three policy years. In case the outstanding term is less than three years then for the outstanding term would be waived. Otherwise, policyholder will need to resume payment of premiums after end of 3 years
Note: - The choice of benefit pay-out as lump sum or combination of income and lumpsum is not available for Accidental Total Permanent Disability. You will get regular monthly income (for 10 years) as payout option for Accidental Total Permanent Disability.
Media mentions
1-Day Claim Settlement
is available for the following:
. . . . . . . . . . . . . . . . . .
- Cumulative claim amount on all policies up to ₹2 crores
- 1 day claim settlement is exclusively available for policies bought online
- Claim does not require field investigation
- All requisite documents# submitted by the nominee before 3 PM on a working day at HDFC Life branches. Intimations beyond 3 PM will be taken up the next business day
- HDFC Life will pay an interest^ on your death claim amount for every day of delay beyond one working day
T&C Apply
1) For all claims* fulfilling above mentioned conditions, provided we receive all the required documents, the claim will be processed within one working day and decision will be communicated accordingly. 2) Investigation / Open title / Rival / Court involved Claims are excluded. 3) Policy duration at the time of event is at least >=3 years. 4) Saturday, Sunday, public festivals and non-NAV days (for ULIP) are excluded (not treated as a working day)
^Interest rate would be at 6.25%per annum.
#Documentation Details
Claim form, Nominee photograph, Pan card copy, Identity and Address proof of nominee. (If nominee is minor, documents of appointee to be submitted). Death certificate issued by competent authority for death registrations. Medical cause of death certificate. Cancelled cheque/copy with the name of nominee/appointee mentioned on it as per the passbook of the nominee/appointee. Past & current complete medical records including discharge/death summary, indoor case papers, investigation reports, consultation notes. In case of an accidental death, additional documents will be required. Post Mortem Report, Panchnama, Police Inquest report, First/Final Information report, Viscera/Chemical Analysis report.
