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Compare plan benefits here

Plan Option
Benefits 		Life 3D Life Extra Life Return of
Premium 		Life Long
Protection 		3D Life
Long Protection 		Income Extra Life
Income 		Income
Replacement
Lumpsum 12 x Monthly Amount
Terminal Illness
Accidental Disability (Waiver of Premium)
Life Stage
Top Up
Critical Illness (Waiver of Premium)
Monthly Income
Accidental Death Benefit
Return of Premium
Whole Life
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Click 2 Protect Optima Secure

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This policy can be purchased by resident of India only
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    I hereby consent to receive insurance policy related communication/ documents from HDFC Life or its authorized representatives, overriding my NCPR registration (if any), through:

    Call, SMS, Email
    Voice over Internet Protocol including WhatsApp
    Please note HDFC Life may contact you for mandatory verification and medical or underwriting requirements if required.

    Key Product Features

    Dual Benefit
    Get Protection cover along with health cover
    Expanded Coverage
    Get 2 times cover from day 1 with secure benefit along with 100% increase in coverage after 2 years with plus benefit
    Wide Health coverage
    Health cover for pre/post hospitalization, homecare treatment, ambulance cost, daily hospital cash benefit, etc for yourself and your family members
    Multiple Discount Options
    Avail multiple discount options like online discount, family discount,loyalty discount, long term policy discount, etc
    ×

    Your details are not matching with the data in our records. We request you to please contact your Relationship Manager or visit your nearest branch for further assistance.

    We regret to inform you that currently we are unable to offer Corona Cover.
    But you can continue your purchase of term plan.

    Key Product Features

    • Get Protection cover along with health cover

    • Get 2 times cover from day 1 with secure benefit along with 100% increase in coverage after 2 years with plus benefit

    • Health cover for pre/post hospitalization, homecare treatment, ambulance cost, daily hospital cash benefit, etc for yourself and your family members

    • Save upto 50% on premium with our various discount options.


      • To know more, read product brochure

    Please Wait....
    98.66% individual claims paid#
    #(Individual death claim settlement ratio by number of policies as per audited annual statistics for FY 2021-22)
    Recognised as a Superbrand for the 8th time in a row! (FY 2021)
    We regret to inform you that currently we are unable to offer any option under this plan.

    Your Application has been saved

    You can resume your application by clicking on the link shared on your Email ID and via SMS on your mobile number .

    What's included in COVID 19 Cover?

    • Medical expenses for hospitalization like room rent, nursing expenses, ICU/ICCU expenses, blood, oxygen, ventilator charges, costs towards diagnostics, PPE Kit, gloves, mask and such similar other expenses.
    • Medical expenses for treatment of COVID 19 availed at home for maximum up to 14 days.
    • Medical expenses incurred on treatment of any comorbidity along with the treatment for COVID 19
    • If you opt for AYUSH treatment (Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines), it will also covered.
    • Pre-hospitalization expenses for 15 days and post hospitalization expenses for 30 days is also covered under this policy.

    Note: The above mentioned benefits will be applicable only if you are found to be COVID 19 positive

    To know more, read Product Brochure

    • Download Brochure
    • Glossary
      List

    Compare plan benefits here

    Plan Option
    Benefits     		Life 3D Life Extra Life Return of
    Premium     		Life Long
    Protection     		3D Life
    Long Protection     		Income Extra Life
    Income     		Income
    Replacement
    Lumpsum 12 x Monthly Amount
    Terminal Illness
    Accidental Disability (Waiver of Premium)
    Life Stage
    Top Up
    Critical Illness (Waiver of Premium)
    Monthly Income
    Accidental Death Benefit
    Return of Premium
    Whole Life

    Medical expenses for Hospitalization during the policy term for treatment of COVID including treatment of any Co-Morbidity illness will be covered up to the Sum Insured for:

    • Room Rent, Boarding, Nursing Expenses as provided by the Hospital / Nursing Home.
    • Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses.
    • Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees whether paid directly to the treating doctor / surgeon or to the hospital
    • Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, ventilator charges, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities, PPE Kit, gloves, mask and such similar other expenses.
    • Road Ambulance subject to a maximum of Rs.2000/- per hospitalization for the Ambulance services offered by a Hospital or by an Ambulance service provider, provided that the Ambulance is availed only in relation to COVID Hospitalization

      • Note:Expenses of Hospitalization for a minimum period of 24 consecutive hours only shall be admissible.

    Home care treatment includes Expenses for treatment of COVID availed at home for maximum up to 14 days per incident for -

    • Diagnostic tests undergone at home or at diagnostics centre 
    • Medicines prescribed in writing
    • Consultation charges of the medical practitioner
    • Nursing charges related to medical staff
    • Medical procedures limited to parenteral administration of medicines
    • Cost of Pulse oximeter, Oxygen cylinder and Nebulizer

    Provided:

    • The Medical practitioner advices the Insured person to undergo treatment at home.
    • There is a continuous active line of treatment with monitoring of the health status by a medical practitioner for each day through the duration of the home care treatment.
    • Daily monitoring chart including records of treatment administered duly signed by the treating doctor is maintained.
    • Insured shall be permitted to avail the services as prescribed by the medical practitioner. Cashless or reimbursement facility shall be offered under homecare expenses subject to claim settlement policy disclosed in the website.

    In case the insured intends to avail the services of non-network provider claim shall be subject to reimbursement, a prior approval from the Insurer needs to be taken before availing such services.

    Future Needs popup

    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.

    AllABCDEFGHIJKLMNOPQRSTUVWXYZ

    A
    Accident:
    Sudden, unforeseen and involuntary event caused by external, visible and violent means.
    Accidental & Total Permanent Disability(ATPD):
    When the Life Assured is totally, continuously and permanently disabled *
    * Please read the product brochure for complete details specific to your policy.
    Accidental Death:
    Death by or due to a bodily injury caused by an Accident, independent of all other causes of death.
    Agent:
    Insurance company representative licensed by the state who solicits, negotiates or effects contracts of insurance, and provides service to the policyholder for the insurer.
    Annualized Premium:
    Annualized premium shall be the premium amount payable in a year excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.
    Annuity:
    Periodic payments made by the insurer to the Annuitant for a specified period or till survival.
    Annuity benefits:
    A series of payments payable at regular intervals, in return of a certain sum paid upfront, under an annuity contract.
    Appointee:
    The person who is authorized to receive the Sum Assured when the Nominee is a minor.
    Assignee:
    The person to whom the policy ownership (rights and benefits) is transferred.
    Assignment:
    A provision wherein the Policyholder can assign or transfer a Policy in accordance with Section 38 of the Insurance Act, 1938.
    Assets under Management (AUM):
    The total value of Shareholders & Policyholders investments managed by the insurance company.
    Authority/ IRDAI:
    Insurance Regulatory and Development Authority of India.
    B
    Beneficiary:
    The person named in the policy to receive the insurance proceeds at the death of the insured.
    C
    Cash Bonus:
    The bonus amount paid out to the policy holder at specified frequency, as applicable. However, there is No guarantee to the declaration of future rates of the bonus.
    Charges:
    The amount taken by the insurer towards your insurance cover. These are usually associated with ULIP policies. The % and type of charge depends on different products.
    Some of them are Premium Allocation Charge, Policy Administration Charge,Fund Management Charge, Mortality Charge, Premium Redirection Charge, Statutory Charge, Switching Charge, Partial Withdrawal Charge, Discontinuance ChargeThe amount taken by the insurer towards your insurance cover. These are usually associated with ULIP policies. The % and type of charge depends on different products.
    Claimant:
    The person who is raising the claim request.
    Claim:
    It is the amount paid by the insurer to the claimant on occurrence of the event as specified in the policy contract eg: The amount that nominee receives on death of life assured is the claim amount.
    Claims Process:
    It is the intimation of the claimant to the insurer to initiate the settlement of the policy.
    COI:
    The document issued to the scheme member in group products which contains terms and conditions applicable to the product.
    Critical Illness(CI):
    Additional cover Is given in case of detection of specified critical illnesses*
    *The list is defined in the product brochure. Please read it carefully.Additional cover Is given in case of detection of specified critical illnesses*.
    Cut-off time:
    The time by which we must have accepted your instructions to invest in, or encash Units from a Fund,at the associated valuation time. As per Regulations, the current Cut-off time is 3.00pm. This is usually applicable to ULIP policies.
    D
    Date of Inception:
    The date on which the policy was first issued.
    Date of Risk Commencement:The date from which the insurance cover starts.
    Death Benefit:
    The amount which is payable on death of life assured.
    Deferment Period:
    period from date of inception of the cover till the date on which the first annuity payment is made by the insurer to the Annuitant. This can be chosen by the Annuitant basis his financial needs.
    Discontinuance of Policy:
    The Policy wherein the Policyholder has discontinued the payment of Premium
    E
    Effective Date:
    The date from which the Scheme shall first commence as set out in the Policy Schedule.
    Endowment Plan:
    An insurance policy, that apart from providing life coverage, also pays a lumpsum amount on maturtiy in case the policyholder sruvives the specified term. It pays the full sum assured to the nominees in case of the insured passes away.
    Exit Date:
    Date on which the coverage stops due to occurrence of any of the following events:
    i. Death,
    ii. Policy being terminated or lapsed.
    iii. Free Look Cancellation.
    iv. Payment of Maturity benefit.
    v. Surrender.
    Extra Life Sum Assured:
    The additional sum assured that is paid to nominee in case of death of life assured due to accident**.
    This depends on the product. Please read the brochure for complete details.
    The additional sum assured that is paid to nominee in case of death of life assured due to accident*.
    F
    First year premium:
    Premium received during the first year of the contract.
    Free Look period:
    The specified period during which the policyholder can review the terms and conditions of the Policy and has the option to return the Policy and receive refund.
    Frequency of Premium Payment:
    It indicates the schedule of your premium payments. eg:
    every month (monthly),
    once in 3 months (quarterly)
    once in 6 months (half-yearly)
    once in a year (annually)
    one time payment (single)It indicates the schedule of your premium payments eg:
    every month (monthly),
    once in 3 months (quarterly)
    once in 6 months (half-yearly)
    once in a year (annually)
    Fund Value, Unit Fund Value:
    The value obtained by multiplying the number of Units allocated to your Policy by the corresponding price of the Units. This is usually applicable for ULIP products
    For eg: No of units - 10, Unit price of each unit - 50
    therefore, fund value = 10 * 50 = 500The value obtained by multiplying the number of Units allocated to your Policy by the corresponding price of the Units. This is usually applicable for ULIP products.
    Funds:
    Each of the Funds earmarked by the Company for Unit Linked business and available to this product
    G
    Grace Period:
    Extra days allowed to pay the premium post the premium due date without any loss of continuity of benefits. It is 15 days for monthly frequency and 30 days for remaining frequencies.
    Group Insurance:
    Life insurance usually without medical examination, on a group of people under a master policy. It is typically issued to an employer for the benefit of employees, or to members of an association.
    H
    Hospitalisation:
    Admission in a Hospital for a minimum period of 24 consecutive In-patient Care hours except for specified procedures/ treatments, where such admission could be for a period of less than 24 consecutive hours.
    I
    Injury:
    Accidental physical bodily harm excluding Illness or disease solely and directly caused by external, violent and visible and evident which is verified and certified by a Medical Practitioner.
    In-patient Care:
    Treatment for which the insured person has to stay in a Hospital for more than 24 hours for a covered event.
    Intensive Care Unit (ICU):
    Ward or wing of hospital which is specially equipped for the continuous monitoring and treatment of patients who are in a critical condition, or require life support facilities Ward or wing of hospital which is specially equipped for the continuous monitoring and treatment of patients who are in a critical condition, or require.
    Interim bonus:
    The bonus that is paid in the event of a claim(maturity, death or surrender) of a participating policy, for the period from the last declared bonus date. This is paid to provide for the policyholder's share of bonus from the last declared date till the date eligible for bonus, when the claim is payable.
    k
    Keyman Insurance:
    The life insurance policy taken by an employer on the life of another person who is or was his employee/connected to his business in any manner whatsoever.
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    Disclaimer:To read the complete definitions as stated by IRDAI and displayed across this website, you can refer the specimen policy documents here: https://www.hdfclife.com/policy-documents

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    1. Sum Assured on Death is the absolute amount of benefit which is guaranteed to become payable on death of the life assured in accordance with the terms and conditions of the policy or an absolute amount of benefit which is available to meet the health cover.
    2. Total Premiums Paid are the total of all the premiums received, excluding any extra premium, any rider premium and taxes.
    3. Sum Assured on Maturity is the amount which is guaranteed to become payable on maturity of the policy, in accordance with the terms and conditions of the policy.
    4. Basic Sum Assured is the amount of sum assured chosen by the policyholder.
    5. Annualized Premium is the premium amount payable in a year chosen by the policyholder, excluding taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.
    6. Premium rates for age - 30 years, Male, Non Smoker, Annual mode, regular pay, inclusive of taxes. Protection Cover - Life Protect Option Annual Premium - Rs.631, Sum Assured - Rs. 50 Thousand. Policy Term - 50 years, Health Cover - Optima secure option with Individual Option, Sum Assured - Rs. 10 Lakh, Policy term - 3 years, Aggregate deductible - 1 Lakh, Annual Premium - Rs. 7,567. Total annual premium = Rs. 8,198, monthly premium(8198/12) = 683(rounded off).

    HDFC Life Insurance Company Limited CIN: L65110MH2000PLC128245 IRDAI Registration No.101

    Registered Office : HDFC Life Insurance Company Limited, Lodha Excelus, 13th Floor,Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai - 400 011. For purchasing a new policy, you can Email us on buyonline@hdfclife.in and call us on 1800-266-9777 (All days, from 9 am to 9pm). For in-progress applications (post payment), you can email us on onlinequery@hdfclife.in and call us on 1800-266-0315 (All days, from 10 am to 7 pm).


    The name/letter 'HDFC' in the name/logo of HDFC Life Insurance Company Limited (HDFC Life) belongs to HDFC Bank Limited and is used by HDFC Life under license from HDFC Bank Limited.


    HDFC ERGO General Insurance Company Limited CIN: U66030MH2007PLC177117 IRDAI Reg. No.146.


    Registered & Corporate Office : 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Email id: care@hdfcergo.com, Customer Care: 0120 6234 6234 / 022 6234 6234.


    Click 2 Protect Optima Secure (UIN: 101Y122V05) is a Combi Product with both protection and health benefits. The risks of this product are distinct and are accepted by respective Companies. Please know the associated risk and applicable charges from your insurance agent or the intermediary or the policy document of the insurer. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. Tax laws are subject to change. ARN: EU/04/22/28598

    BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

    • IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
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