HDFC Life Click 2 Protect Supreme is a term insurance plan that offers comprehensive financial protection to your family in case of an unfortunate event. The plan provides multiple cover options, flexibility to choose premium payment terms, and benefits such as Critical Illness cover and Accidental Death Benefit. You can customise your coverage to suit your needs and secure your family's future. The policy also offers the option to enhance protection through riders, ensuring you get a wide range of benefits under a single plan.
HDFC Life Click 2 Protect Supreme is a term insurance plan offered by HDFC Life Insurance. The plan provides comprehensive financial protection to your family in case of your untimely demise. It comes with multiple plan options—Life, Life Plus, and Life Goal—allowing you to choose coverage with benefits like accidental death cover, critical illness waiver, and terminal illness protection, ensuring flexibility and long-term security.
Flexibility to choose the suitable plan option from the 3 available options:
Life: Provides a death benefit during the policy term, which can be accelerated in case of a terminal illness diagnosis.
Life Plus: Offers a death benefit with terminal illness cover, plus an additional payout in case of accidental death during the policy term.
Life Goal: The death benefit varies with the policy year based on the chosen 'Level Cover Period' and 'Amortisation Rate'.
This HDFC Term Insurance plan returns all premiums paid on survival till maturity through the Return of Premium option.
It offers an additional payout in case of accidental death during the policy term.
The plan offers accelerated death benefit on diagnosis of specified terminal illnesses, available till the age of 80 years.
You can opt for an increasing death benefit of up to 200%.
The Life Goal option allows you to adjust the death benefit according to your requirements.
The plan waives future premiums if you are diagnosed with a covered critical illness or suffer a total and permanent disability.
It offers the option to add extra coverage for your spouse through the Spouse Cover option.
Lower premium rates for females and discounts for a healthy lifestyle
You can financially protect your parents or grandparents till their survival with the Parent Secure option.
The Parent Protect Care option allows your parents or grandparents to receive the death benefit as a lump sum followed by regular payouts.
Term Plans
Life Option
The policyholder is covered for death during the policy term, and the death benefit can be accelerated upon diagnosis of a specified terminal illness.
Life Plus Option
In addition to everything in the Life Option, this provides an extra death benefit in case of accidental death during the policy term.
Life Goal or Credit Protect Option
It includes all the benefits from the Life Plus Option. It lets the sum assured vary based on a chosen Level Cover Period and Amortisation Rate, so your death benefit adjusts according to the policy year.
Term life insurance ek aisa insurance plan hota hai jo agar policy period ke andar insured person ko kuch ho jaye, to family ko financial support deta hai.
Death benefit policy ke terms ke hisaab se milta hai. Kuch plans me accidental death, critical illness ya disability riders add kiye ja sakte hain.
Premium age, health, cover amount aur policy term par depend karta hai. Online compare karke aap apne budget ke plans dekh sakte hain.
Term life insurance pays a lump sum to your nominees if you pass away during the policy term, helping your family stay financially secure.
The core cover is death during the term. Optional riders may include accidental death, critical illness, or disability benefits depending on the plan.
Premiums depend on your age, health, sum assured, and policy duration. Compare plans online to find one that fits your budget.
टर्म लाइफ इंश्योरेंस एक योजना है जिसमें पॉलिसी अवधि के दौरान बीमित व्यक्ति के निधन पर परिवार को वित्तीय सहायता मिलती है।
मुख्य कवर मृत्यु लाभ है। कुछ योजनाओं में दुर्घटना, गंभीर बीमारी या विकलांगता के राइडर भी जोड़े जा सकते हैं।
प्रीमियम आयु, स्वास्थ्य, बीमा राशि और अवधि पर निर्भर करता है। ऑनलाइन तुलना करके उपयुक्त प्लान चुनें।
The Life Goal Option (a decreasing cover variant) is specifically designed to match your life insurance coverage with a long-term financial goal or liability that decreases over time, such as a home loan or other major debt. This credit protect option ensures you only pay for the high level of coverage you need in the initial years, thus potentially making your premium more affordable over the life of the policy compared to a level cover.
Under this credit protect or life goal option, the Sum Assured (SA) payable upon death is structured to reduce annually based on a pre-selected period and rate.
The structure consists of two key phases, which you customize at the policy's inception:
Level Cover Period: This is the initial number of policy years during which your Sum Assured remains 100% level (i.e., it does not decrease).
Amortisation Rate: This is the annual rate (percentage) at which your life cover will reduce after the Level Cover Period ends. You can choose any rate between 0% and 20% p.a. (both inclusive).
The policy will start with a Sum Assured Factor of 100% in the first policy year, and at the end of every policy year, it will be calculated as follows:
During Level Cover Period:
SA Factor(t) = 100%
Post Level Cover Period:
If Amortization Rate is equal to 0% SA Factor(t) = SA Factor(t-1) – (1 ÷ Reduction Term)
Post Level Cover Period:
If Amortization Rate is greater than 0% SA Factor(t) = SA Factor(t-1) × (1+ Amortization Rate) – Amortization Rate ÷ (1 – 1 ÷ (1 + Amortization Rate) ^ Reduction Term)
Where, t = policy year • Reduction Term = Policy Term - Level Cover Period
| Plan Option | Life | Life Plus | Life Goal | |||||||||||
| Min. Age at Entry | 18 years | |||||||||||||
| Max. Age at Entry | 84 years | 65 years | ||||||||||||
| Min. Age at Maturity | 18 years | 23 years | ||||||||||||
| Max. Age at Maturity | 85 years | |||||||||||||
| Min. Policy Term | Single Pay: 1 month Regular Pay: 2 years Limited Pay: 3 years |
SP: 5 years LP: 7 years |
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| Max. Policy Term | 85 years – Age at Entry | |||||||||||||
| Min. Basic Sum Assured | INR 10,000 | |||||||||||||
| Max. Basic Sum Assured | For Entry age > 65 years: INR 50,000 For all other cases: There is no maximum limit. |
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| Premium Payment Term |
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A lump sum is payable if the life assured dies during the policy term.
For the Life option, it is the higher of Sum Assured on Death multiplied by the SA Factor for that policy year or 105 per cent of Total Premiums Paid.
For Life Plus, it is the higher of Sum Assured on Death or 105 per cent of Total Premiums Paid.
For single pay, the sum assured on death is the highest at 125 percent of the single premium, sum assured on maturity, or basic sum assured.
For Limited and Regular Pay, it is the highest of 10 times Annualized Premium, Sum Assured on Maturity or Basic Sum Assured.
The death benefit is accelerated to a maximum of Rs 2 crore upon diagnosis of specified terminal illnesses during the policy term. If diagnosed after age 80, the death benefit is not accelerated. After acceleration, the policy terminates if the amounts are equal or continues for the balance of the death benefit as applicable.
In the Life Plus option, an additional amount equal to the Sum Assured on Death is payable if death occurs due to an accident. If the accident happens during the policy term and death occurs after the term but within 180 days from the date of accident, the benefit is still payable.
WOP on Critical Illness: Future premiums are waived on diagnosis of a covered critical illness while life cover continues.
WOP on Total and Permanent Disability: Future premiums are waived on the occurrence of total and permanent disability.
This option provides life cover for the spouse after the life assured's death, up to 50% of the Basic Sum Assured, for the remaining policy term. All the future premiums, if payable, are waived off.
HDFC Life Click 2 Protect Supreme offers the Women Secure Solution, providing women with a blend of financial protection, preventive health checkups, cancer screening, and wellness benefits under a single plan.
Parent Secure: Under this option, the death benefit is paid as regular payouts to one or two nominees (parent or grandparent) until at least one is alive. This benefit is available at no additional premium.
Parent Protect Care: This option provides the death benefit in two parts: an immediate lump sum and regular payouts(a fixed percentage of the remaining amount) to the nominated parent or grandparent. This benefit is also available without any additional premium.
After one policy year, an advance death benefit is paid within 1 working day of claim registration as interim support, with the balance settled after claim investigation.
After paying premiums for at least 5 years, you can skip payments for up to 12 months while coverage continues. Deferred premiums are adjusted against claims or repaid later.
Access to preventive, diagnostic, treatment, and recovery support via the Life Rewards app at no additional cost, subject to service availability and policy being in force. The value of these health benefits is ₹63,000.
Term insurance is important as it provides a large life cover at affordable premiums, which provides financial security for the family in case of the policyholder’s unexpected death. It helps the family maintain their current standard of living, pay off debts like loan, and other monthly expenses.
Term life insurance is a straightforward type of life insurance that offers financial protection for a fixed term or specific tenure, like 10, 20, 30 years. It pays the death benefit to the nominee if the policyholder suffers an untimely death during the policy term, but if they outlive it, no benefit is paid.
If the policyholder outlives the policy term, the insurance expires, and no payout is made. Some policies offer a "Return of Premium" option that refunds the premiums paid if the life assured survives.
Term insurance is generally considered very good as it offers large coverage at low premiums, to help protect the family from facing financial debts and loss of income. This pure protection plan, does not have any savings component and thus is designed to provide financial protection to your family and not any return of premiums in case the insured survives the policy term
Term insurance is a crucial tool for financial stability if you have dependents or liabilities. It is generally advised to keep term insurance and investments like SIPs separate for better financial management. For those looking for survival benefits, "Term Plan with Return of Premium" (TROP) options are available, though they have higher premiums.
HDFC Life Click 2 Protect Supreme offers a dedicated Women Secure Solution to provide women with comprehensive protection and health support. This solution combines life cover with preventive and wellness benefits tailored to women's needs.
Free Cancer Screening: Early detection with complimentary cancer check-ups to ensure timely intervention.
Preventive Health Checkups: Regular health assessments to monitor overall well-being and reduce health risks.
Pregnancy Health Benefits: Coverage includes support for pregnancy-related health services under the wellness program.
Enhanced Cancer Cover & Health Benefits: Special coverage for cancer, along with health and wellness support for women.
Premium Discounts: Women enjoy lower premium rates and an additional 15% discount on the base premiums for healthier lifestyle choices, making protection more affordable.
You can enhance your coverage under HDFC Life Click 2 Protect Supreme by adding any of the following riders:
HDFC Life Income Benefit on Accidental Disability Rider:
Provides a monthly income benefit equal to 1% of the Rider Sum Assured for 10 years in case of Accidental Total Permanent Disability.
HDFC Life Protect Plus Rider:
Offers a lump sum or proportionate payout in case of accidental death, disability, or diagnosis of cancer, depending on the chosen option.
HDFC Life Health Plus Rider:
Pays a lump sum on diagnosis of any of the 60 covered Critical Illnesses or a proportionate amount for Early Stage or Major Cancer.
HDFC Life LiveWell Rider:
Provides lump sum benefits for death, terminal illness, accidental death, hospitalisation, disability, or listed surgeries, and may also waive future premiums in specific cases, depending on the chosen option.
Below mentioned are the ways to buys the HDFC Term plan from Policybazaar:
Step 1: Go to Policybazaar's Term Insurance page
Step 2: Enter basic details like Name, DOB, and Phone no. and click on ‘view plans' button
Step 3: Submit details about your occupation type, annual income, educational qualifications, and smoking habits
Step 4: Choose the HDFC Term Life plan from the list of options that you receive
Step 5: Enter details, like name, email ID, occupation, yearly income, educational qualification, city, pincode and nationality.
Step 6: Proceed to pay via net banking, debit or credit card and complete the payment process to buy the plan.
If the life assured dies due to suicide within 12 months from the date of commencement of risk under the policy, or from the date of policy revival (as applicable), the nominee or beneficiary will be entitled to receive at least 80% of the total premiums paid up to the date of death, or the surrender value available on that date, whichever is higher. This is applicable only if the policy is in force at the time of death.
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Varun has spent years in the insurance space, but what drives him isn't policies or premiums — it's the conversations he's had with real people. A young father in Pune wondering if his salary is enough. A newly married couple in Jaipur putting off "the insurance talk" for later. A mother in Chennai who never knew her husband was underinsured until it was too late.
These stories stay with him.
As Head of Term Insurance at Policybazaar, Varun knows the numbers well — 52.4% of Indians are aware of term insurance, yet only 9.6% own it. And 87% of families don't realise they're leaving their loved ones with far less protection than they actually need. But behind every statistic, he sees a family that just needed someone to sit with them, explain it simply, and help them take that one step.
That's exactly what Policybazaar's term insurance is built to do.
In his words, "Most people aren't avoiding protection — they're just waiting for someone to make it easy. That's what we're here for."
˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.
Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.
Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.
+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.
+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.
+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. ₹361/month is the starting price for a ₹1 crore loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10
+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.
+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
Women
+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.
Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.
1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
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