HDFC Life’s Click2Protect Plan: Combining the Benefits of Health Insurance and Life Insurance

The Click2Protect Plan from HDFC Life eliminates the need for you to purchase an individual health and life insurance policy. Check out this post to know some of the top benefits of this insurance plan.

Life is full of uncertainties. While you might be healthy now, you never know what might happen in the future. The best thing you could do is make sure that you are prepared for adversities like health complications and death. This makes health insurance and life insurance a must for every individual, especially if you are the sole breadwinner in the family.

But to eliminate the need for individuals to purchase an individual health and life insurance policy, HDFC Life has launched Click2Protect plan. It combines the benefits of health insurance and life insurance into a single new-age insurance policy that is both affordable and effective.

Let us have a look at some of the features of this plan-

  1. Multiple Protection Plans

With Click2Protect plan, you get to select from as many as five different protection and health plan options like Life Option, 3D Life Option, Life Long Protection Option, Extra Life Option, and Extra Life Income Option. Different plans have different benefits to keep your life and health secure.

For instance, in the Life Option, your family members will receive a lump-sum amount in case of your demise or if you are diagnosed with a terminal illness. You can select an option that best suits your requirements.

  1. Critical Illness Rider

If you want added protection against critical diseases like cancer, heart attack, kidney failure, etc. the policy also comes with a critical illness rider. The rider covers eight critical diseases worldwide. So, even if you are diagnosed with a condition covered under this rider when you are not in India, the insurance provider will take care of the treatment expenses in a foreign country.

Critical illness riders are highly recommended for senior citizens as their chances of suffering from such conditions is significantly higher.

  1. Available in Individual and Family Floater Options

You can purchase Click2Protect plan for yourself or even for your family. In the family floater option, you can include your spouse and up to five dependent children. The coverage amount will be divided among family members.

With the individual option, you can include a total of four adults and up to 5 dependent children. The four adults can be you, your spouse, your parents or your in-laws. But unlike family floater option, you get to select an individual sum insured for every member under the individual plan.

  1. Waiver of Premiums in Case of Critical Illness or Accidental Total Permanent Disability

In case if you are diagnosed with a critical illness or suffer from a total permanent disability due to an accident, you are no longer required to pay the policy premiums. Moreover, based on the type of plan you select, you can also receive immediate lump sum payout and other benefits.

As critical illnesses and total disability often result in loss of income for the sufferer, waiver of premiums is one of the top features of Click2Protect plan.

  1. Reinstates Basic Sum Insured if Already Exhausted

In case you or your family members have already used the available sum insured of health insurance in a financial year, the basic sum insured would be automatically reinstated as per the terms and conditions of the selected plan.

This can come in very handy in case multiple members of your family suffer from a health problem in a year. With the sum insured reinstated, you will not be required to worry about the financial burden of multiple medical emergencies in your family.

Protect Your Health and Life with Click2Protect Plan

The Click2Protect plan from HDFC Life innovatively combines all the top benefits of health insurance and life insurance. Moreover, you also get the flexibility to choose from a wide range of plans on individual and family floater basis.

Visit the HDFC Life website to know more about the plan or get in touch with their advisor to understand the benefits in detail.

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