HDFC Life Click2Protect Term Insurance Plan Review

HDFC Standard Life

Company: HDFC Life

Product Name- Click2Protect       

Product features:

  • Minimum sum assured of 10 lakhs
  • Maximum sum assured- 10 crores
  • Available in 10/15/20/25/30 years duration
  • Maximum Age at Entry – 55 years
  • Maximum Age at Maturity- 65 years


HDFC Life’s pitch:

  • Security at an affordable price

Our view:

  • PLUS-  HDFC Life has the best IRDA Claim Settlement Ratio ( among private players) of about 96%. Check here for comparison with others.
  • PLUS- HDFC Life also has the Lowest customer churn of about 5%. Implies that customers are renewing their policies. Excellent customer support as most of the complaints are resolved within 30 days.
  • MINUS- Slightly expensive than Religare Aegon or Aviva Life Insurance ( about 25-30%) but not quite a lot.

Among private players, this insurance plan from HDFC Life might be the best term insurance.

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