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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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Digitas LBi 13/7/2015: STARTS
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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.

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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.

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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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Claim Settlement Ratio
( Percentage and average claim settlement time )