Comprehensive financial protection

for the whole family.

NEW

Click 2 Protect Supreme

A Non-Linked, Non-Participating, Individual, Pure Risk Premium/Savings Life
Insurance Plan

99.68% Individual
Claim Settlement Ratio2

Special Rates4
Life Cover with Parent Protect
for Salaried
Wellness Benefits3 Care5
and Women

Click 2 Protect Supreme

A Non-Linked, Non-Participating, Individual, Pure Risk Premium/Savings Life
Insurance Plan

1 Applicable for all in force policies after a waiting period of 1 year. Please refer to policy documents for Terms & Conditions.
2 Individual death claim settlement ratio by number of policies as per audited annual statistics for FY 2024-25.
3 This is an in-built value addition which can be availed through the Life Rewards app. Please refer to policy documents for Terms & Conditions.
4 10% discount on first year premium would be applicable for only Salaried customers, under Regular Pay & Limited Pay. A 15% discount on the base premium rates will be applicable for female lives.
5 Option to receive the Death Benefit as lump sum followed by regular payouts through Parent Protect Care.
 HDFC Life Click 2 Protect Supreme
A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan

Securing your family's financial well-being is more crucial than ever. That's why HDFC Life Click 2
Protect Supreme is designed to offer comprehensive financial protection for your whole family.
This term plan adapts to your evolving lifestyle and life stage needs, ensuring that you and your
loved ones remain truly protected.

Key Features

• Option to choose a cover which fits your needs from 3 plan options
• Get back all premiums paid on survival till maturity with Return of Premium^ option
• Additional amount payable in case of accidental death* during policy term
• Provides Acceleration of Death benefit^ on diagnosis of specified terminal illnesses, till
age 80 years.
• Option to choose increasing Death Benefit up to 200% under Life option B & C variants
• Option to vary your Death Benefit according to your need under Life Goal option
• Waiver of Premium on diagnosis of Critical Illness (through WOP CI option)
• Waiver of Premium on Total and Permanent Disability (through WOP Disability option)
• Option to choose Additional Cover for Spouse^
• Option to receive Death Benefit in Instalments
• Option to financially protect your parent(s) / grandparent(s) till their survival under
Parent Secure Option#
• Option to receive the Death Benefit as lump sum followed by regular payouts through
Parent Protect Care#

^Available under Life & Life Plus plan options

*Available under Life Plus plan option
#Available under Life plan option

Eligibility

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 Single Pay: 1 month
Term Regular Pay: 2 years Single Pay: 5 years
Limited Pay: 3 years Limited Pay: 7 years

HDFC Life Click 2 Protect Supreme

A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan 1
 Plan Option Life Life Plus Life Goal
Max. Policy Term 85 years – Age at Entry
Min. Basic Sum INR 10,000
Assured
Max. Basic For Entry age > 65 years: INR 50,000
Sum Assured For all other cases: There is no maximum
limit. However, the acceptance of any case is
subject to Board Approved Underwriting Policy (BAUP).

Premium Payment Option / PPT Regular Pay Single Pay Limited Pay
Term Life^ Yes 2 years to any
Life Plus Yes premium payment
term(PPT) less than
Life Goal No the policy term (PT)
^
For age at entry greater than 65 years only Single Pay
will be allowed

All ages are expressed as on last birthday. For all ages, risk commences from the date of inception
of the contract.

Minimum/Maximum premium will be consistent with Minimum/Maximum Sum Assured. Premium

will vary depending on the plan option chosen.
For non-annual modes, premiums paid are calculated as: annual premium multiplied by a
conversion factor as given below:

Frequency Conversion Factor

Half-yearly 0.5100
Quarterly 0.2600
Monthly 0.0875

The product can also be purchased online via company website.

Plan Options
Following options are available under the plan where the premium will vary depending upon the
option chosen: –
1. Life – Under this option, the life assured is covered for death benefit during the policy term, which
can be accelerated in the case of diagnosis of terminal illness.
2. Life Plus – Under this option, the life assured is covered for death benefit, which can be
accelerated in the case of diagnosis of terminal illness. An additional amount will be payable in
case of accidental death during policy term.
3. Life Goal - Under this option, the sum assured payable on death would vary with the policy year,
in accordance with the ‘Level Cover Period’ and ‘Amortisation Rate’ as chosen by the policyholder.
The policyholder can choose any one of the above options, 1, 2 & 3 at the outset.
Benefits payable under various plan options:
1. Life Option:
Under this option, the life assured is covered for death benefit during the policy term, which can be
accelerated in the case of diagnosis of terminal illness.
The policy could be purchased on a single life basis or Spouse Cover could be opted for as well. For
details on the Spouse Cover, please refer to ‘Spouse Cover option’ section.

HDFC Life Click 2 Protect Supreme

A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan 2
 Example: Mr. Bansal, a 35 years old gentleman, buys the Option A of Life Option of HDFC Life Click 2
Protect Supreme for a policy term of 40 years, regular pay, and avails a level cover of INR
1,00,00,000 by paying a premium of INR 20,892 annually (excluding taxes).
Mr. Bansal passes away in the 7th policy year. His nominee will receive a lump sum benefit of INR
1,00,00,000.
Total Premiums Paid till the 7th policy year: INR 1,46,244

On death of the Life Assured during the

7th Policy Year, a lump sum benefit of
INR 1,00,00,000 is paid out to the
Nominee

0 1 2 3 4 5 6

RIP
Policy Starts
Policy Terminates

Policy Term (40 years)

Annualized Premium
INR 20,892

Death Benefit:
“Death Benefit” is payable as a lump sum if life assured dies during the policy term. It is the
higher of:
• Sum Assured on Death × SA Factor applicable in the policy year of death
• 105% of Total Premiums Paid
Sum Assured (SA) Factor will be based on the option chosen by the policyholder:

Option SA Factor
A Equal to 100% throughout the policy term

B Equal to 100% during the first 5 policy years and then a simple increase
of 10% after every 5 years, subject to a cap of 200%:

Policy Year SA Factor Policy Year SA Factor

1 to 5 100% 31 to 35 160%
6 to 10 110% 36 to 40 170%
11 to 15 120% 41 to 45 180%
16 to 20 130% 46 to 50 190%
21 to 25 140% 51+ 200%
26 to 30 150%

HDFC Life Click 2 Protect Supreme

A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan 3
 Option SA Factor
C Equal to 100% in the first policy year and then a simple increase of
5% every subsequent year, subject to a cap of 200%:

Policy Year SA Factor Policy Year SA Factor Policy Year SA Factor

1 100% 8 135% 15 170%
2 105% 9 140% 16 175%
3 110% 10 145% 17 180%
4 115% 11 150% 18 185%
5 120% 12 155% 19 190%
6 125% 13 160% 20 195%
7 130% 14 165% 21+ 200%

In the event of any claim for Terminal Illness or under any additional options chosen, there will be
no further change in SA Factor and the same will remain level throughout the outstanding policy
term.
Sum Assured on Death for Single Pay (SP) is the highest of:
• 125% of Single Premium
• Sum Assured on Maturity
• Basic Sum Assured
Sum Assured on Death for Other than Single Pay (Limited Pay and Regular Pay) is the highest of:
• 10 times of the Annualized Premium
• Sum Assured on Maturity
• Basic Sum Assured
Where,
a. 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.
b. Total Premiums Paid are the total of all the premiums received, excluding any extra premium,
any rider premium and taxes. Where additional options have been selected, Total Premiums
Paid includes premium paid for base option as well as the premium paid for additional options
selected.
c. 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.
d. Basic Sum Assured is the amount of sum assured chosen by the policyholder.
e. 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.

HDFC Life Click 2 Protect Supreme

A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan 4
 Terminal Illness Benefit:
Sum Assured on Death, up to a maximum of Rs. 2 Cr. will be accelerated in case of diagnosis of
terminal illness during the policy term as mentioned below. In case of diagnosis of terminal illness
at ages greater than 80 years, death benefit will not be accelerated.
Upon payment of Terminal Illness benefit:
a) If Death Benefit at the time of claim is equal to Terminal Illness benefit, the policy will terminate.
Or,
b) If Death Benefit at the time of claim is greater than Terminal Illness benefit, the policy will
continue for the balance death benefit.
Please note that acceleration of death benefit is not an additional benefit; it only facilitates an
earlier payment of death benefit on prior diagnosis of terminal illness.
A life assured shall be regarded as terminally ill only if that life assured is diagnosed as suffering
from a condition which, in the opinion of two independent medical practitioners’ specializing in
treatment of such illness, is highly likely to lead to death within 6 months. The insured must not be
receiving any form of treatment other than palliative medication for symptomatic relief. The
terminal illness must be diagnosed and confirmed by medical practitioners registered with the
Indian Medical Association and approved by the Company. The Company reserves the right for
independent assessment.
Maturity Benefit:
On survival until Maturity, Sum Assured on Maturity will be payable, which will be equal to 100 % of
the Total Premiums Paid, if Return of Premium option (as defined under additional benefits
available under the product) is selected, Nil otherwise.
2. Life Plus Option
Under this option, the life assured is covered for death benefit, which can be accelerated in the
case of diagnosis of terminal illness. An additional amount will be payable in case of accidental
death during policy term.
The policy could be purchased on a single life basis or Spouse Cover could be opted for as well. For
details on the Spouse Cover, please refer to ‘Spouse Cover option’ section.
Death Benefit:
“Death Benefit” is payable as a lump sum if life assured dies during the policy term. It is the higher
of:
• Sum Assured on Death
• 105% of Total Premiums Paid
Sum Assured on Death for Single Pay (SP) is the highest of:
• 125% of Single Premium
• Sum Assured on Maturity
• Basic Sum Assured
Sum Assured on Death for Other than Single Pay (Limited Pay and Regular Pay) is the highest of:
• 10 times of the Annualized Premium
• Sum Assured on Maturity
• Basic Sum Assured

HDFC Life Click 2 Protect Supreme

A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan 5
 Accidental Death Benefit:
In addition to death benefit as defined above, an amount equal to Sum Assured on Death will be
payable in case of accidental death.
In case the event which has caused death due to an Accident occurred during the Policy Term and
death occurs after the Policy Term but within 180 days from the date of Accident, the Accidental
Death Benefit shall be payable.
Terminal Illness Benefit:
Death benefit would be accelerated on diagnosis of specified terminal illnesses. In case of
diagnosis of terminal illness at ages greater than 80 years, death benefit will not be accelerated.
Please note that acceleration of death benefit is not an additional benefit; it only facilitates an
earlier payment of death benefit on prior diagnosis of terminal illness.
A life assured shall be regarded as terminally ill only if that life assured is diagnosed as suffering
from a condition which, in the opinion of two independent medical practitioners’ specializing in
treatment of such illness, is highly likely to lead to death within 6 months. The insured must not be
receiving any form of treatment other than palliative medication for symptomatic relief. The
terminal illness must be diagnosed and confirmed by medical practitioners registered with the
Indian Medical Association and approved by the Company. The Company reserves the right for
independent assessment.
Maturity Benefit:
On survival until Maturity, Sum Assured on Maturity will be payable, which will be equal to 100% of
the Total Premiums Paid, if Return of Premium option (as defined under additional benefits
available under the product) is selected, Nil otherwise.
3. Life Goal Option
Under this option, the sum assured payable on death would vary with the policy year, in
accordance with the ‘Level Cover Period’ and ‘Amortisation Rate’ as chosen by the policyholder.
The policyholder can choose:
1. Level Cover Period – This is initial policy year(s) during which life cover would remain level. The
Level Cover Periods can be chosen subject to the following conditions:
(a) In case of Limited Pay policies, the Level Cover Period should be at least equal to the PPT.
(b) In case of Limited Pay as well as Single Pay policies, Policy Term less Level Cover Period should
be at least equal to 5 years.
2. Amortization Rate – This is the rate at which life cover would reduce post the Level Cover Period.
The policyholder can choose any rate between 0% and 20% p.a (both inclusive).
The policy will start with a SA Factor of 100% in the first policy year and at the end of every
subsequent 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)

HDFC Life Click 2 Protect Supreme

A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan 6
 Where,
• t = policy year
• Reduction Term = Policy Term - Level Cover Period
A policy will not be issued if the Death Benefit in any policy year falls below the minimum required

The below table gives SA Factors for a few sample cases at the end of every policy year:

Level Cover Period 0 years 5 years 5 years 10 years

Amortization Rate 10% 10% 0% 15%
PPT Single Pay Single Pay 5 Years 10 Years
Policy Term 20 years 20 years 20 years 20 years
Policy Year Example 1 Example 2 Example 3 Example 4
1 98.25% 100.00% 100.00% 100.00%
2 96.33% 100.00% 100.00% 100.00%
3 94.22% 100.00% 100.00% 100.00%
4 91.90% 100.00% 100.00% 100.00%
5 89.34% 100.00% 100.00% 100.00%
6 86.53% 96.85% 93.33% 100.00%
7 83.44% 93.39% 86.67% 100.00%
8 80.03% 89.58% 80.00% 100.00%
9 76.29% 85.39% 73.33% 100.00%
10 72.17% 80.78% 66.67% 100.00%
11 67.65% 75.72% 60.00% 95.07%
12 62.66% 70.14% 53.33% 89.41%
13 57.18% 64.01% 46.67% 82.90%
14 51.16% 57.26% 40.00% 75.41%
15 44.53% 49.84% 33.33% 66.79%
16 37.23% 41.68% 26.67% 56.89%
17 29.21% 32.70% 20.00% 45.49%
18 20.39% 22.82% 13.33% 32.39%
19 10.68% 11.95% 6.67% 17.33%

Death Benefit:
“Death Benefit” is payable as a lump sum if life assured dies during the policy term. It is equal to the
Sum Assured on Death, which is calculated as:
Basic Sum Assured × SA Factor applicable in the policy year of death
Maturity Benefit:
NIL
Additional benefits available under the Product:
1) Return of Premium (ROP) Option
If this option is chosen, policyholder will have to pay an additional premium over and above that
payable for the base plan and he/she will receive a return of 100% of the Total Premiums paid as

HDFC Life Click 2 Protect Supreme

A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan 7
 lump sum, upon survival till maturity.
This additional option can be chosen only at policy inception and will be available only where:
• Life Goal Option has not been selected
• All policy terms between 10 and 40 years for Single, Regular and 5 Pay.
• All policy terms between 15 and 40 years for 6, 7, 8, 10 and 12 Pay.
• Policy Term is between 20 and 40 years for Premium Paying Term – 15 years.
• Policy Term is between 25 and 40 years for Premium Paying Term – 20 years.
• Policy Term is between 30 and 40 years for Premium Paying Term – 25 years.
To avail this option, additional premium shall be payable. Once chosen, the policyholder doesn’t
have the option to opt out of this benefit.
2) Waiver of Premium on CI (WOP CI) Option
If this option is selected, all future premiums payable under the plan will be waived, if the life
assured is diagnosed with any of the covered critical illnesses and the life cover, accidental death
cover (if applicable) and terminal illness cover (if applicable) continues.
This option can be chosen only at policy inception and will be available only where premium
payment term is other than Single Pay.
To avail this option, additional premium shall be payable. Once chosen, the policyholder doesn’t
have the option to opt out of this benefit.
3) Waiver of Premium on Total and Permanent Disability (WOP Disability) Option
If this additional option is selected, all future premiums payable under the plan will be waived, in
case of occurrence of total and permanent disability and the life cover, accidental death cover (if
applicable) and terminal illness cover (if applicable) continues.
This option can be chosen only at policy inception and will be available only where premium
payment term is other than Single Pay.
To avail this option, additional premium shall be payable. Once chosen, the policyholder doesn’t
have the option to opt out of this benefit.
4) Spouse Cover Option
If this additional option is selected, then upon the Life assured’s death:
• The spouse will get a death benefit cover equal to a chosen percentage of the life assured’s
basic sum assured for the outstanding policy duration. This chosen percentage shall be
subject to the BAUP with a maximum cap of 50%.
• Any future premiums, if payable under the contract, shall be waived off.
How it works!
In the event of unfortunate death of the Life Assured, the sum assured on death will be paid out to
nominee. The spouse cover will then start and shall be equal to a chosen percentage of the life
assured’s basic sum assured, as opted at policy inception. This spouse cover will be in addition to
the death benefit payable on the life assured’s death. In case of the death of spouse before the
death of life assured, the spouse cover will terminate and no additional benefits shall be payable.
Other conditions applicable for this benefit
• This option can be selected only at inception
• This option is not available with Life Goal option
• Life Assured should be married and age difference between Life Assured and spouse should
be maximum 10 years

HDFC Life Click 2 Protect Supreme

A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan 8
 • Availability of this additional option will be subject to the BAUP
• Once opted for, the policyholder doesn’t have the option to opt out of this benefit
This additional benefit/coverage will not be paid/granted under the following situations and the
policy will terminate:
• In the event of the occurrence of simultaneous death of the life assured and spouse or death
of the spouse arising directly or indirectly due to the same event which caused the death of
the life insured.
• If the spouse has attained the age of 75 years at the time of death of the life assured.
• In case of death of spouse due to suicide within 12 months from the date of death of life
assured
• In case of death of life assured due to suicide within 12 months from the date of
commencement of risk of the policy or the date of revival of the policy, whichever is later
To avail this option, additional premium shall be payable.
5) Death benefit as Instalment Option
If this option is selected, the nominee will receive full or part of the death benefit in instalments.
The conditions for choosing this option:
• This option can be chosen by the policyholder at policy inception or by the nominee at the
time of claim.
• This option can be opted for full or part of death claim proceeds payable under the policy.
• The instalment can be taken over a chosen period of 5 to 15 years
The instalment shall be paid in advance based on the frequency chosen by the nominee or the
policyholder, which can be either yearly, half-yearly, quarterly or monthly. The instalment amount
shall be calculated such that the present value of the instalments, using a given interest rate, shall
equal the amount of death benefit chosen to be taken as instalments under the policy. This
amount shall be a level amount and once chosen by the nominee shall remain fixed over the
instalment period.
The interest rate used to compute the instalment amount shall be equal to the annualized yield on
10 year G-Sec (over last 6 months & rounded down to nearest 25bps) less 25 basis points. The
interest rate shall be reviewed half-yearly and any change in the interest rate shall be effective
from 25th February and 25th August each year. The interest rate shall be revised every time there
is a change, as per the above formula. In case of a revision in interest rate, the same shall apply
until next revision. The source of 10-year benchmark G-sec yield shall be RBI Negotiated Dealing
System-Order Matching segment (NDS-OM).
At any time during the instalment payment phase, the nominee can choose to terminate the
instalment payment in exchange for a lump-sum, in which case, the lump-sum payable shall be
equal to the discounted value of all the future instalments due. The interest rate used to calculate
the discounted value will be that as applicable on date of termination, using the above mentioned
formula.
No additional premium is payable for this option.
6) Option to alter premium frequency
The policyholder has the option to alter the premium frequency during the premium payment
term.
7) Option to change Premium Payment Term from Regular Pay to Limited Pay
Under this option, the policyholder can choose to convert the outstanding regular premiums into

HDFC Life Click 2 Protect Supreme

A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan 9
 any limited premiums period available under the product.
Such alterations shall be in accordance with the BAUP and the premium rates under such
circumstances shall be charged as filed under the product.
8) Renewability Option at Maturity
At maturity, the policyholder can choose to extend the term of their policy. The additional
premium payable for the extended term will be based on the following:
• Attained age at the time of maturity
• The chosen increase in policy term
• The premium rates applicable for renewability shall be guaranteed at policy inception.
However, the availability of this option is subject to BAUP.
This option will be available only where:
• Premium payment term is Regular Pay
• Additional Options of Return of Premium (ROP) or Waiver of Premium on CI (WOP CI) or Waiver
of Premium on Total and Permanent Disability (WOP Disability) or Spouse Cover have not
been selected
• Life Option (Variant A) or Life Plus Option has been selected
Please reach out our policy servicing team at the time of maturity to renew your policy.
9) Life Stage Option
This option will have to be selected at inception. The policyholder may opt to increase the Sum
Assured without underwriting on any of the below specified events in the life of the life assured:
• 1st Marriage: 50% of Basic Sum Assured subject to a maximum of Rs. 50 lakhs
• Birth of 1st child: 25% of Basic Sum Assured subject to a maximum of Rs. 25 lakhs
• Birth of 2nd child: 25% of Basic Sum Assured subject to a maximum of Rs. 25 lakhs
This option will be available only where:
• Life Option or Life Plus Option has been opted and is subject to BAUP.
• The Life Assured is less than 45 years of age at the time of the above mentioned events.
• The Life Assured is underwritten as a standard life at policy inception.
• This option can only be exercised within a period of six months from the date of the above
specified events.
• An additional premium will be charged for the increase in the Sum Assured.
• The premium rate applicable, for the additional Sum Assured shall be as per the premium
table "Incremental". This premium rate shall be based on the age attained and outstanding
policy term at the time of the exercise of option. The availability of this option shall be subject
to applicable boundary conditions under the product.
• The premium rates applicable shall be those applicable as at policy inception.
• This option shall be available only if no claim has been made under the policy.
• If any rider is attached to the policy and the rider benefit has been paid during the policy term,
then this option cannot be exercised.
10) Parent Secure Option
This option will have to be selected at inception. Under this option, the policyholder may opt for
death benefit to be payable as instalments to the nominee. The instalment shall be payable as
regular payouts till at least one nominee is alive. There can be a maximum of two nominees under
this option.

HDFC Life Click 2 Protect Supreme

A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan 10
 The death benefit as instalments will be payable, for the nominee (s) will be pre-defined by the
company as a fixed percentage of the Death Benefit, as specified below:

Entry Age When one When two

of Nominee nominee is opted nominees* are opted
Yearly Monthly Yearly Monthly
50 to 64 years 7.00% 6.00% 0.56% 0.48%
65 years & above 8.00% 7.00% 0.64% 0.56%

*Younger nominee age will be considered in case of two nominee.

This option can be chosen only at Policy inception. Once chosen, the Policyholder cannot opt out
of this option. This option is available only where:
• Life Option has been selected.
• The nominee can be either your parent (s)/ grandparent (s). In case of two nominees, only
both parents / grandparents can be the nominees. The combination of a parent and a
grandparent is not permitted.
• Age of each nominee (s) is 50 years or above. In case, two nominees are opted for, the age of
younger nominee will be considered
• Policy term is between 15 to 40 years.
• Death benefit as Instalment option has not been selected.
• Parent Protect Care Option, Spouse Cover Option and Life Stage Option have not been
selected.
In case of death of nominee (s) before Life Assured & death of Life Assured occurs during policy
term, then Death Benefit as lump sum will be payable to legal heir of Life Assured.
The payout will cease on the death of nominee (s). In case of any change in nominee, this option
shall immediately terminate.
The instalment will be paid in advance at yearly or monthly frequency, as specified by the
Policyholder. The instalment amount will be calculated basis the age of the nominee(s), Death
Benefit and number of nominee(s) chosen. The instalment frequency cannot be altered during
the policy term.
At any time during the instalment payment phase, the nominee cannot terminate the instalment
payment in exchange for a lump sum.
No additional Premium is payable for this option.
11) Parent Protect Care
Under this option, the policyholder may opt for Death Benefit to be payable as an immediate lump
sum followed by regular payouts subject to the conditions below:
• The proportion of Death Benefit to be received as an immediate lump sum and as regular
payouts has to be chosen at policy inception.
• The regular payouts shall be a fixed percentage of Balance Death Benefit, where the Balance
Death Benefit shall be calculated as Death Benefit less immediate lump sum already paid.
The proportion for regular payouts has to be at least 20%.
• The regular payouts shall be payable till at least one nominee is alive. For regular payouts,
incase of death of one nominee the surviving nominee shall receive the regular payout at the
guaranteed rate choosen at inception.
• The regular payouts are payable in advance at the frequency selected by the policyholder at
inception, which can be yearly or monthly.
HDFC Life Click 2 Protect Supreme
A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan 11
 The regular payouts shall be a fixed percentage of balance Death Benefit, where the balance
Death Benefit shall be calculated as Death Benefit less immediate lump sum already paid. The
regular payout amount will be calculated basis the age of the Nominee (s), Death Benefit and
number of Nominee (s) chosen. The regular payouts shall be pre-defined by the company as a
fixed percentage of the Death Benefit cified below:

Entry Age When one When two

of Nominee nominee is opted nominees* are opted
Yearly Monthly Yearly Monthly
50 to 64 5% 4% 0.40% 0.32%
65+ 6% 5% 0.48% 0.40%
*Younger nominee age will be considered in case of two nominee.
This option is available only where:
• Policyholder has chosen this option at inception
• Life Option has been selected.
• The nominee(s) entitled to receive regular payouts is either parent(s)/grandparent(s) of the
Life Assured.
• The nominee(s) for lump sum is either parent(s)/grandparent(s)/ anyone with insurable
interest of the Life Assured.
• Age of each nominee entitled to receive the regular payouts is at least 50 years in age
• Policy term is between 15 to 40 years.
• Death benefit as Instalment option, Spouse Cover Option, Life Stage Option and Parent Secure
options have not been selected. There are a maximum of 3 nominees. (2 nominees for instal-
ments and 1 nominee for lump sum).
• In case of any change in nominee for instalment, this option shall immediately terminate.
• At any time during the instalment payment phase, the nominee(s) cannot terminate the
instalment payment in exchange for a complete lump sum.
• Once chosen, the policyholder doesn’t have the option to opt out of this benefit.

In case death of nominee (second death in case of 2 nominee) occurs before the death of Life
Assured during the policy term then Death Benefit as lump sum will be payable to legal heir of
Life Assured.
In case of death of nominee (second death in case of 2 nominee) after death of Life Assured, if
the total benefit paid till date of death of nominee (second death in case of 2 nominee) is less
than the Death Benefit , then the balance amount ) shall be paid to the legal heir of the Life
Assured.
The regular payout will be paid in advance at yearly or monthly frequency, as opted by the Poli-
cyholder.
No additional Premium is payable for this option.

12) Immediate Payout on Claim Intimation

In case of death of the life assured, post completion of waiting period of 1 policy year, from the
risk commencement date or revival of the policy and provided the policy is in force , upon receipt
of intimation of death claim (along with the required supporting documents as may be specified
from time to time) an accelerated instant Death Benefit shall be payable within 1 (one) working
day from the claim registration date as gesture to provide interim support.

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 The payout shall be basis the Basic Sum Assured chosen at inception and shall be as follows:

Basic Sum Assured Payout amount

INR 1 to < 2 Crores INR 2 lacs
INR 2 Crores and above INR 5 lacs

The remaining sum assured shall be payable post the completion of the claim investigation.
The acceleration of immediate claim payout benefit should not be interpreted as acceptance of
the claim, the company reserves the right to repudiate/reject upon complete evaluation of claim.
Further, in case of any discrepancy in the claim investigation resulting in the final decision of
non-payment of the claim, the Company reserves the right to recover the already paid amount.
In the event of death of the life insured during the premium break benefit the Company will first
deduct the deferred amount from above applicable accelerated death benefit and pay the
balance, if any.
Please refer the Policy Document for complete details on the submission of supporting documents
for immediate payout on claim intimation.
13) Premium Break Benefit
If the policy has completed at least five (5) policy years from the risk commencement date and
all the due premiums have been received in full and the policy is in force, then, the policyholder
upon submitting a prior written request to the Company at least 30 days (15 days in case of
monthly mode) before the next policy anniversary, the policyholder shall be allowed to have a
premium break benefit under the policy for a period extending up to 12 months from the due date
of first unpaid premium (“premium break benefit period”).
During this premium break benefit period, the premium (including any additional premium for the
other inbuilt benefits, any underwriting extra premium, loadings for modal premiums, applicable
taxes, cesses and levies, etc. if any) due and payable for the said period shall be deferred
(“deferred amount”) but the risk cover under the policy shall continue as per the terms and
conditions of the policy. In case of any claim under the policy on the happening of any insured
event during this period, the Company shall pay the eligible claim under the policy after deducting
all the deferred Amount.
This benefit option is available subject to the following conditions:
• The policyholder shall be required to submit a written request at least 30 days (15 days in case
of monthly premium paying mode and 30 days in case of other modes) in advance each time, the
policyholder intends to opt for the above benefit. If a premium (including applicable taxes, cesses
and levies, etc. if any) remains unpaid with no prior request, the policy, shall be subject to the lapse
at the end of the grace period, subject to the terms and conditions as stated in Part D of the Policy
Document.
• If the policyholder exercises the premium break benefit in the last 5 policy years, then the next
premium break benefit shall not be allowed.
• The premium break benefit shall not be available during the last policy year of the premium
payment term.
• The benefit is available to all premium payment terms except single pay.
• This benefit is applicable for the base policy and rider policy , if any
• The policyholder shall pay the deferred amount at the end of or during the premium break
benefit period to ensure continuance of the risk cover under the policy.
• In case the above outstanding amounts are not paid within 30 days (15 days in case of

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 monthly premium paying mode and 30 days in case of other modes) of the commencement of
the next policy year after expiry of the premium break benefit period, the policy shall be subject to
the terms and conditions as stated in Part D of the Policy Document. Further, the Company shall be
entitled to recover the deferred amount from the benefits payable under the policy from the
policyholder.
• During the above premium break benefit period, the policyholder may surrender the policy
anytime, however, payments by the Company, if any, shall be first adjusted towards the deferred
amount.
• No additional premium is payable for this option.
14) Health management and well-being services
As the life assured, you can avail a carefully curated suite of inbuilt Health Management &
Wellbeing Services aimed at supporting you from prevention and diagnosis to treatment and
recovery. Provided the policy is in-force, you can enjoy these inbuilt benefits seamlessly via our Life
Rewards app
These services are optional services offered to the Life Assured or nominee, where applicable. The
Life Assured should exercise his/her own discretion:
• To avail the services and/or
• To follow the course of treatment suggested by the service provider
1. In case Life Assured and Policyholder are different, services will be available to Life Assured only
2. These Services are offered at no additional cost
3. Service Availability:
• These services shall be directly provided by the service providers with no participation of the
company.
• The services are being provided by third-party service provider/s, and the company shall not
be liable for any liability.
• The company reserves the right to change the service provider/s at any time.
• The services shall be accessible for a fixed duration as defined by the Company, or for the
policy term, whichever is lower.
• Policy should be in-force/fully paid
• After completion of free look of 30 days
4. Eligibility and Communication:
Eligibility for services is determined based on the Company’s prevailing Underwriting Policy and
may be periodically [Link] withdrawal or modification of services will be communicated
to policyholders.
5. Fraudulent Activity
• Your use of the wellness benefits under the plan shall be with good intent and integrity. You
shall not encourage, indulge or act in connivance with any person involved in any fraudulent
activity regarding the use of the benefits under the plan, whether directly or indirectly, for
generating personal revenue. You agree to not use the Platform or the services providedtherein
for generating personal gain or any commercial/public purpose, directly or indirectly,
whatsoever.
• An act may be defined as a fraudulent activity as per service provider’s internal policies
subject to extant laws. Such acts may include without limitation misrepresentation,
concealment of facts and furnishing of incorrect information.
• In the event of any fraudulent activity being carried out, service provider shall also be entitled
to seek any and all remedies available under law, equity or tort. Additionally, service provider

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 shall permanently suspend the use of the benefits under the plan and not honour any claims
under the Plan, including pending claims.
• Any fraud or misrepresentation identified will cease Health Management & Wellbeing
Services

For ongoing health concerns, we always recommend consulting directly with a Medical
Practitioner.
Non Payment of Premiums
Grace Period is the time provided after the premium due date during which the policy is
considered to be in-force with the risk cover. This plan has a grace period of 30 days for yearly,
half yearly and quarterly frequencies from the premium due date. The grace period for monthly
frequency is 15 days from the premium due date.
Should a valid claim arise under the policy during the grace period, but before the payment of due
premium, we shall still honor the claim. In such cases, the due and unpaid premium for the policy
year will be deducted from any benefit payable.
Paid-Up
A policy will acquire a paid-up value only:
• Where Return of Premium is selected with Limited Pay/Regular Pay, and
• When premiums are paid for at least 1 full year and after completion of first policy year
In all other cases, the policy lapses on premium discontinuance without any paid-up value.
If a policy has acquired paid-up value and stops paying premiums:
(i) Death benefit shall be the highest of:
• Sum Assured on Death × SA Factor^ × (Total Premiums Paid ÷ Total Premiums Payable)
• 105% of Total Premiums Paid
^ Where SA Factor is:
The SA Factor applicable in the policy year of death where Life Option has been chosen
Equal to 1 in all other cases
(ii) Accidental Death benefit (where applicable) shall be calculated as
Sum Assured on Death × (Total Premiums Paid ÷ Total Premiums Payable)
(iii) Maturity Benefit (where applicable) shall be calculated as:
Sum Assured on Maturity × (Total Premiums Paid ÷ Total Premiums Payable)
(iv) Surrender benefit shall be calculated as shown below.
Surrender / Unexpired Risk Premium Value
Where Return of Premium Option has been selected
Guaranteed Surrender Value (GSV) gets acquired immediately upon payment of premium in
case of Single Pay and upon payment of premiums for at least 2 years in case of Limited
Pay/Regular Pay.
The Company may pay a surrender value higher than the GSV in the form of a Special Surrender
Value (SSV).
SSV shall become payable after completion of first policy year provided one full year premium
has been received for Limited/Regular Pay and immediately on the receipt of single premium for
Single Pay
Surrender Value will be the higher of Guaranteed Surrender Value (GSV) and Special Surrender
Value (SSV). Where,
GSV = GSV Factor% × Total Premiums Paid
SSV shall be calculated as the expected present value of:

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 i) Paid-up guaranteed future benefits on death, survival/maturity and
ii) accrued / vested benefits, duly allowing for survival benefits already paid, if any
The discount rate used to calculate the expected present value shall be equal to the yield on 10
Year G-Sec plus 50 basis points.
Currently, the interest rate used for calculating the expected present value is 7.75% p.a.

The discount rates shall be reviewed at least once annually and in case of any significant
movement in the yields. The revised discount rates shall apply to all policies including the policies
already sold.
Where Return of Premium Option has not been selected
Policy cancellation value (i.e. Unexpired Risk Premium value) gets acquired immediately upon
payment of premium in case of Single Pay and upon payment of premiums for at least 1 full year
and after completion of first policy year in case of Limited Pay. In all other cases, the policy lapses
on premium discontinuance without any value.
Policy cancellation value (if acquired) shall be payable:
• Upon death of the life assured during revival period, or
• At the end of the revival period if the policy is not revived

The amount payable will be as below:

PCV Factor × Total Premiums Paid1× Unexpired Policy Term2 ÷ Original Policy Term
Where, PCV Factor is as follows:

Policy Year PCV Factor

During PPT or if all due premiums have not been paid 30%
Post PPT if all due premiums have been paid 50%

1
If the policyholder has exercised the option to change premium payment term, Total
Premiums Paid will include premiums paid only from the date of converting to Limited Pay and
Original Policy Term will be the outstanding policy term on the date of converting to Limited Pay.
2
Unexpired Policy Term shall be calculated on the earlier of date of surrender and the date till
which premiums have been paid.
Smart Exit Benefit:
The policyholder has an option to receive Smart Exit Benefit, equal to Total Premiums Paid**
under the policy. No additional premium is payable to avail this option.
This option can be exercised by cancelling the policy subject to the following conditions:
• This option can be exercised in any policy year greater than 25, but not during the last 5 policy
years.
• The policy has to be in-force at the time of exercising this option.
• This option shall not be available where:
• Life Goal option has been selected
• Where Return of Premium option has been selected
** If the policyholder has exercised the option to change premium payment term, Total
Premiums Paid will include premiums paid only from the date of converting to Limited Pay.
Revival
Yes, If the Policy has been discontinued due to the non-payment of Premium, it may be revived/

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 restored by the Insurer with all the benefits mentioned in the Policy document, with or without
rider benefits, if any, upon the receipt of all the Premiums due and other charges/late fee, if
any, during the revival period, as per the terms and conditions of the Policy, upon being
satisfied as to the continued insurability of the insured/Policyholder on the basis of the
information, documents and reports furnished by the Policyholder; in accordance with Board
approved Underwriting Policy. The current rate of interest is 9.5% p.a.
The application for the revival should be made within five years from the due date of the first
unpaid Premium and before the expiry of the Policy Term. Once the Policy is revived, you are
entitled to receive benefits as per the Policy.
The revival interest shall be reviewed half-yearly and it will be reset to: Average Annualized
10-year benchmark G-Sec Yield (over last 6 months & rounded up to the nearest 50 bps) + 2%.
The change in revival rate shall be effective from 25th February and 25th August each year.
Any change on basis of determination of interest rate for revival will be done only after prior
approval of the Authority.
Once the policy is revived, you are entitled to receive all contractual benefits.

Riders
We offer the following Rider options (as modified from time to time) to help you enhance your
protection:

Rider UIN Scope of Benefits**

HDFC Life Income Benefit 101B041V01 It is a Non-Linked, Non- Participating/

on Accidental Disability Participating, Pure risk premium, Individual
Rider – Non Linked Life rider.
A benefit equal to 1% of Rider Sum Assured
per month for the next 10 years, in case of an
Accidental Total Permanent Disability. There
is no maturity benefit available under this
rider.

HDFC Life Protect Plus 101B040V01 It is a Non-Linked, Non- Participating/

Rider – Non Linked Participating, Pure risk premium, Individual
Life/Health rider.
A benefit as a proportion of the Rider Sum
Assured shall be payable in case on
accidental death or partial/total disability
due to accident or if you are diagnosed with
cancer as per the option chosen under this
rider. No maturity benefit is payable under
this rider.

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 Rider UIN Scope of Benefits**

HDFC Life Health Plus 101B031V02 It is a Non-Linked, Non-Participating/

Rider – Non Linked Participating, Pure risk premium, Individual
Health rider.
A lump sum benefi¬t equivalent to Rider
Sum Assured shall be payable on diagnosis
of any of the covered 60 Critical Illnesses or
bene¬fit as a proportionate of the Rider Sum
Assured shall be payable on diagnosis of
Early Stage Cancer / Major Cancer
depending on the option chosen. No
maturity benefi¬t is payable under this rider.

HDFC Life LiveWell Rider – 101B033V01 It is a Non-Linked, Non-Participating/

Non Linked Participating Individual Pure Risk Premium/
Savings, Life/Health Insurance Rider.
Get Lump Sum benefit equivalent to Rider
Sum Assured on death/terminal illness/
accidental death/Hospitalisation or benefit
as a proportionate of the Rider Sum Assured
on disability due to Accident/undergoing any
listed surgery or get waiver of future
Premium(s) of the base policy on
death/Terminal Illness of the life assured,
depending on the plan option chosen.

**For all details on Riders, kindly refer to the Rider Brochures available on our website.

Riders will be offered along with the options mentioned in the following table:

Name of the Rider Life Life Plus Life Goal

HDFC Life Income Benefit on Accidental Disability Yes

Rider – Non Linked
HDFC Life Protect Plus Option A: Personal
Rider – Non Linked Accident Cover
Option B: Accidental Yes No Yes
Death Cover
Option C: Cancer Cover Yes
HDFC Life Health Plus Option A: Comprehensive
Rider – Non Linked CI Cover Yes
Option B: Cancer Cover
HDFC Life LiveWell Rider Option A: Death Cover
– Non Linked Option B: Accidental
Death Cover Yes
Option C: Personal
Accident Cover
Option D: Policy
Continuance Cover

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 Name of the Rider Life Life Plus Life Goal

Option E: Daily
Hospitalisation Cash & Yes
Surgical Care Cover

In case of Life Goal option, riders shall be offered during Level Cover Period only. For all other
options, the rider PT and PPT shall be consistent with the base policy’s PT and PPT. Riders will not be
offered if the policy term/premium payment term of the rider exceeds outstanding policy term/
premium payment term under the base policy.

While attaching riders to the base option(s) under the product, it will be ensured that there is no
overlap in benefits offered under different riders & base product. In case of an overlap, the rider(s)
shall not be attached.

Terms and Conditions

We recommend that you read and understand this product brochure & customized benefit
illustration and understand what the plan is, how it works and the risks involved before you
purchase.
A) Risk Factors:
(1) HDFC Life Insurance Company Limited is the name of our Insurance Company and “HDFC Life
Click 2 Protect Supreme” is the name of this plan. The name of our company and the name of our
plan do not, in any way, indicate the quality of the plan, its future prospects or returns.
(2) Please know the associated risks and the applicable charges, from your Insurance agent or the
Intermediary or policy document issued by insurance company.
B) Exclusions
a. Suicide Exclusion
In case of death due to suicide within 12 months from the date of commencement of risk under the
policy or from the date of revival of the policy, as applicable, the nominee or beneficiary of the
policyholder shall be entitled to at least 80% of the total premiums paid till the date of death or the
surrender value available as on the date of death whichever is higher, provided the policy is in
force.
b. Age Admitted
The Company has calculated the Premiums under the Policy on the basis of the age of the Life
Assured as declared in the Proposal. In case You have not provided proof of age of the Life Assured
with the Proposal, you will be required to furnish such proof of age of the Life Assured as is
acceptable to us and have the age admitted. In the event the age so admitted (“Correct Age”)
during the Policy Term is found to be different from the age declared in the Proposal, without
prejudice to our rights and remedies including those under the Insurance Act, 1938, as amended
from time to time we shall take one of the following actions (i) if the Correct Age makes the Life
Assured ineligible for this Policy, we will offer him suitable plan as per our underwriting norms. If you
do not wish to opt for the alternative plan or if it is not possible for us to grant any other plan, the
Policy will stand cancelled from the date of issuance and the Premiums paid under the Policy will
be returned subject to the deduction of expenses incurred by the Company and the Policy will
terminate thereafter; or (ii) if the Correct Age makes the Life Assured eligible for the Policy, the
difference between the revised Premium, as per the Correct Age and the original Premium, with
interest, will be due on the next Policy Anniversary date and the revised Premium will continue for
the rest of the Premium Payment Term. The provisions of Section 45 of the Insurance Act, 1938 as
amended from time to time shall be applicable.

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A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan 19
 c. Exclusions for Accidental Death benefit
Additional Accidental Death benefit will not be payable, if death is caused directly or in-directly
from any of the following:
• Any claim for death of the insured person, directly or indirectly due to War (whether declared
or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war,
rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest,
restraints and detainment of all kinds.
• Any claim for deathof Insured Person
o from intentional self-injury unless in self-defense or to save life, suicide or attempted
suicide.
o whilst under the influence of intoxicating liquor or drugs or other intoxicants except where
the insured is not directly responsible for the injury / accident though under influence of
intoxication.
o whilst engaging in aviation or ballooning, or whilst mounting into, or dismounting from or
travelling in any balloon or aircraft other than as a passenger (fare-paying or otherwise) in
any Scheduled Airlines in the world. [Standard type of aircraft means any aircraft duly
licensed to carry passengers (for hire or otherwise) by appropriate authority irrespective of
whether such an aircraft is privately owned or chartered or operated by a regular airline or
whether such an aircraft has a single engine or multiengine;]
o arising or resulting from the Insured Person committing any breach of law with criminal
intent.
• Any claim for deathof Insured Person due to participation as a professional in hazardous or
adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering,
rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving.
• Any claim resulting or arising from or any consequential claim directly or indirectly caused by
or contributed to or arising from:
o Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any
nuclear waste from the combustion of nuclear fuel or from any nuclear waste from
combustion (including any self-sustaining process of nuclear fission) of nuclear fuel.
o Nuclear weapons material
o The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear
assembly or nuclear component thereof.
o Nuclear, chemical and biological terrorism
• Any claim arising out of the Insured Person's actual or attempted commission of or willful
participation in an illegal act or any violation or attempted violation of the law.

d. Exclusions for WOP Disability Options

We shall not be liable to make any payment under this Policy towards the TPD benefit, directly or
indirectly caused by, based on, arising out of or howsoever attributable to any of the following:
• Pre-existing Disease means any condition, aliment, Injury or disease / Critical Illness / disability:
o That is/are diagnosed by a physician within 36 months prior to the Risk commencement
date of the Policy issued by the insurer or its reinstatement; or
o For which medical advice or treatment was recommended by, or received from, a Physician

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 36 months Prior to the Risk commencement date of the Policy issued by the insurer or its
reinstatement.
Coverage under the Policy after the expiry of 48 36 months for any pre-existing disease is subject
to the same being declared at the time of application and accepted by Insurer.
• Any disability caused due to treatment for, Alcoholism, drug or substance abuse or any
addictive condition and consequences thereof.
• Narcotics used by the Insured Person unless taken as prescribed by a registered Medical
Practitioner.
• Any disability caused due to intentional self-Injury, suicide or attempted suicide, whether the
person is medically sane or insane.
• Any disability, caused by or arising from or attributable to a foreign invasion, act of foreign
enemies, hostilities, warlike operations (whether war be declared or not or while performing
duties in the armed forces of any country during war or at peace time), civil war, public
defense, rebellion, revolution, insurrection, military or usurped power.
• Service in any military, air-force, naval, paramilitary or similar organization.
• Any disability caused by ionizing radiation or contamination by radioactivity from any nuclear
fuel (explosive or hazardous form) or from any nuclear waste from the combustion of nuclear
fuel, nuclear, chemical or biological attack.
• Working in underground mines, tunneling or involving electrical installations with high tension
supply, or as race jockeys or circus personnel.
• Congenital External Anomalies, inherited disorders or any complications or conditions arising
therefrom including any developmental conditions of the Insured.
• Any disability caused by any treatment necessitated due to participation as a professional in
hazardous or adventure sport, including but not limited to, para jumping rock climbing,
mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving,
deep sea diving and selfie Accidents.
• Participation by the Insured Person in any flying activity, except as a bona fide, fare- paying
passenger of a recognized airline on regular routes and on a scheduled timetable.
• Any disability, caused by Medical treatment traceable to childbirth (including complicated
deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy.
Any disability due to miscarriages (unless due to an Accident) and lawful medical termination
of pregnancy during the Policy period.
• Any disability, caused by any unproven / experimental treatment, service and supplies for or in
connection with any treatment. Unproven / experimental treatments are treatments,
procedures or supplies that lack significant medical documentation to support their
effectiveness.
• Any disability based on certification/diagnosis/treatment from persons not registered as
Medical Practitioners, or from a Medical Practitioner who is practicing outside the discipline
that he/ she is licensed for.
• Any disability, caused due to any treatment, including surgical management, to change
characteristics of the body to those of opposite sex.
• Any disability caused due to cosmetic or plastic surgery or any treatment to change the
appearance unless for reconstruction following an Accident, Burn(s), or Cancer or as part of
medically necessary treatment to remove a direct and immediate health risk to the insured.
For this to be considered a medical necessity, it must be certified by the attending Medical
Practitioner.
• Any disability, caused due to surgical treatment of obesity that does not fulfil all the below
conditions:
a. Surgery to be conducted is upon the advice of the Doctor
b. The Surgery/Procedure conducted should be supported by clinical protocols

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 c. The member has to be 18 years of age or older and
d. Body Mass Index (BMI):
o greater than or equal to 40 or
o greater than or equal to 35 in conjunction with any of the following severe co- morbidities
following failure of less invasive methods of weight loss:
i. Obesity related cardiomyopathy
ii. Coronary heart disease
iii. Severe Sleep Apnea
iv. Uncontrolled Type 2 Diabetes despite optimal therapy
• Any disability caused due to treatments received in health hydros, nature cure clinics, spas or
similar establishments or private beds registered as a nursing home attached to such
establishments or where admission is arranged wholly or partly for domestic reason.
• Any disability, caused by treatment directly arising from or consequent upon any Insured
Person committing or attempting to commit a breach of law with criminal intent.
• In the event of the death of the Insured Person within the stipulated survival period.
• Any disability, caused by sterility and infertility. This includes:
• Any type of contraception, sterilization
• Assisted Reproductive services including artificial insemination and advanced reproductive
technologies such as IVF, ZIFT, GIFT, ICSI
• Gestational Surrogacy
• Reversal of sterilization
Waiting Period
There is a waiting period of 90 days from the Policy Risk Commencement Date or revival of cover.
In case the insured event happens during this period, no benefit shall be payable.
Waiting period is not applicable for claims occurring solely due to an Accident. However, the
permanency of the disability needs to be established for the claim to be payable due to Disability
caused due to Accident.
e. Exclusions for WOP CI Option
• Any Illness, sickness or disease other than those specified as Critical Illnesses under this Policy;
• Any Pre-existing Disease or any complication arising there from.
• Pre-existing Disease means any condition, ailment, Injury or disease/Critical Illness/disability:
a. That is/are diagnosed by a physician within 36 months prior to the Risk commencement
date of the Policy issued by the insurer or its reinstatement; or
b. For which medical advice or treatment was recommended by, or received from, a
Physician within 36 months Prior to the Risk commencement date of the Policy issued by
the insurer or its reinstatement
• Coverage under the Policy after the expiry of 36 months for any pre-existing disease is subject
to the same being declared at the time of application and accepted by us.
• Any Critical Illness caused due to treatment for, Alcoholism, drug or substance abuse or any
addictive condition and consequences thereof.
• Narcotics used by the Insured Person unless taken as prescribed by a registered Medical
Practitioner,
• Any Critical Illness caused due to intentional self-Injury, suicide or attempted suicide
• Any Critical Illness caused by or arising from or attributable to a foreign invasion, act of foreign
enemies, hostilities, warlike operations (whether war be declared or not or while performing

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 duties in the armed forces of any country during war or at peace time), civil war, public
defense, rebellion, revolution, insurrection, military or usurped power;
• Any Critical Illness caused by ionizing radiation or contamination by radioactivity from any
nuclear fuel (explosive or hazardous form) or from any nuclear waste from the combustion of
nuclear fuel, nuclear, chemical or biological attack.
• Congenital External Anomalies, inherited disorders or any complications or conditions arising
therefrom including any developmental conditions of the Insured;
• Any Critical Illness caused by any treatment necessitated due to participation as a
professional in hazardous or adventure sport, including but not limited to, para jumping, rock
climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky
diving, deep sea diving
• Participation by the Insured Person in any flying activity, except as a bona fide, fare- paying
passenger of a recognized airline on regular routes and on a scheduled timetable.
• Any Critical Illness caused by Medical treatment traceable to childbirth (including
complicated deliveries and caesarean sections incurred during hospitalization) except
ectopic pregnancy. Any Critical Illness caused due to miscarriages (unless due to an
Accident) and lawful medical termination of pregnancy during the Policy period.
• Any Critical Illness caused by any unproven/ experimental treatment, service and supplies for
or in connection with any treatment. Unproven/ experimental treatments are treatments,
procedures or supplies that lack significant medical documentation to support their
effectiveness.
• Any Critical Illness based on certification/diagnosis/treatment from persons not registered as
Medical Practitioners, or from a Medical Practitioner who is practicing outside the discipline
that he/ she is licensed for.
• Any Critical Illness caused due to any treatment, including surgical management, to change
characteristics of the body to those of opposite sex.
• Any Critical Illness caused due to cosmetic or plastic surgery or any treatment to change the
appearance unless for reconstruction following an Accident, Burn(s), or Cancer or as part of
medically necessary treatment to remove a direct and immediate health risk to the insured.
For this to be considered a medical necessity, it must be certified by the attending Medical
Practitioner.
• Any Critical Illness caused due to surgical treatment of obesity that does not fulfil all the below
conditions:
a. Surgery to be conducted is upon the advice of the Doctor
b. The Surgery/Procedure conducted should be supported by clinical protocols
c. The member has to be 18 years of age or older and
d. Body Mass Index(BMI):
o greater than or equal to 40 or
o greater than or equal to 35 in conjunction with any of the following severe
co-morbidities following failure of less invasive methods of weight loss:
i. Obesity related cardiomyopathy
ii. Coronary heart disease
iii. Severe Sleep Apnea
iv. Uncontrolled Type 2 Diabetes
• Any Critical Illness caused due to treatments received in health hydros, nature cure clinics,
spas or similar establishments or private beds registered as a nursing home attached to such
establishments or where admission is arranged wholly or partly for domestic reason.
• Any Critical Illness caused by treatment directly arising from or consequent upon any Insured
Person committing or attempting to commit a breach of law with criminal intent.
HDFC Life Click 2 Protect Supreme
A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan 23
 • In the event of the death of the Insured Person within the stipulated survival period.
• Any Critical Illness caused by sterility and infertility. This includes:
a. Any type of contraception, sterilization
b. Assisted Reproductive services including artificial insemination and advanced
reproductive technologies such as IVF, ZIFT, GIFT, ICSI
c. Gestational Surrogacy
d. Reversal of sterilization
Waiting Period
An initial waiting period of 90 days applies from the Policy risk commencement date, or Policy
revival date, as the case may be. No waiting period applies for Critical Illness claims arising solely
due to an Accident.
Survival Period
A 15-day survival period is applicable. This refers to the period from the diagnosis and fulfilment of
the defined conditions covered which the Life Assured must survive for the benefit to be paid.

Claim payment will only be made if confirmatory diagnosis of the conditions covered is received
by the Company while the insured is alive (i.e., a claim would not be admitted if the diagnosis is
made post-mortem).
C) Tax Benefits
Tax benefits under this plan may be available. Premiums paid by an individual or HUF under this
plan and the benefits received from this policy may be eligible for tax benefits as per the
applicable sections of the Income Tax Act, 1961, as amended from time to time.
You are requested to consult your tax advisor for advice on Tax Benefits.
D) Cancellation in the Free-Look period:
In case as the policyholder you disagree to any policy terms and conditions under this product,
you have the option of returning the policy to us stating the reasons thereof, within 30 days from
the date of receipt of the policy, whether received electronically or otherwise as per IRDAI
(Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024,
as modified from time to time. On receipt of the letter along with the original policy document
(original Policy Document is not required for policies in dematerialised or where policy is issued
only in electronic form), we shall refund the premium, subject to deduction of the proportionate
risk premium for the period on cover, expenses incurred on medical examination of the proposer
and stamp duty charges.
E) An underwriting extra premium may be charged in case of Sub-standard lives and Smokers as
per our prevalent Underwriting policy.
F) Policy Loan:
No Policy Loans are available under this product.
G) Nomination as per Section 39 of the Insurance Act 1938 as amended from time to time:
(1) The policyholder of a life insurance on his own life may nominate a person or persons to
whom money secured by the policy shall be paid in the event of his death.
(2) Where the nominee is a minor, the policyholder may appoint any person to receive the
money secured by the policy in the event of policyholder’s death during the minority of the

HDFC Life Click 2 Protect Supreme

A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan 24
 nominee. The manner of appointment to be laid down by the insurer.
(3) Nomination can be made at any time before the maturity of the policy.
(4) Nomination may be incorporated in the text of the policy itself or may be endorsed on the
policy communicated to the insurer and can be registered by the insurer in the records
relating to the policy.
(5) Nomination can be cancelled or changed at any time before policy matures, by an
endorsement or a further endorsement or a will as the case may be.
(6) A notice in writing of Change or Cancellation of nomination must be delivered to the insurer
for the insurer to be liable to such nominee. Otherwise, insurer will not be liable if a bonafide
payment is made to the person named in the text of the policy or in the registered records
of the insurer.
(7) Fee to be paid to the insurer for registering change or cancellation of a nomination can be
specified by the Authority through Regulations.
(8) A transfer or assignment made in accordance with Section 38 shall automatically cancel
the nomination except in case of assignment to the insurer or other transferee or assignee
for purpose of loan or against security or its reassignment after repayment. In such case, the
nomination will not get cancelled to the extent of insurer’s or transferee’s or assignee’s
interest in the policy. The nomination will get revived on repayment of the loan.
(9) The provisions of Section 39 are not applicable to any life insurance policy to which Section
6 of Married Women’s Property Act, 1874 applies or has at any time applied except where
before or after Insurance Laws (Amendment) Act 2015, a nomination is made in favour of
spouse or children or spouse and children whether or not on the face of the policy it is
mentioned that it is made under Section 39. Where nomination is intended to be made to
spouse or children or spouse and children under Section 6 of MWP Act, it should be
specifically mentioned on the policy. In such a case only, the provisions of Section 39 will not
apply.
H) Assignment as per Section 38 of the Insurance Act 1938 as amended from time to time:
(1) This policy may be transferred/assigned, wholly or in part, with or without consideration.
(2) An Assignment may be effected in a policy by an endorsement upon the policy itself or by a
separate instrument under notice to the Insurer.
(3) The instrument of assignment should indicate the fact of transfer or assignment and the
reasons for the assignment or transfer, antecedents of the assignee and terms on which
assignment is made.
(4) The assignment must be signed by the transferor or assignor or duly authorized agent and
attested by at least one witness.
(5) The transfer or assignment shall not be operative as against an Insurer until a notice in
writing of the transfer or assignment and either the said endorsement or instrument itself or
copy there of certified to be correct by both transferor and transferee or their duly
authorized agents have been delivered to the Insurer.
(6) Fee to be paid for assignment or transfer can be specified by the Authority through
Regulations.
(7) On receipt of notice with fee, the Insurer should Grant a written acknowledgement of receipt
of notice. Such notice shall be conclusive evidence against the insurer of duly receiving the

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A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan 25
 notice.
(8) The Insurer may accept or decline to act upon any transfer or assignment or endorsement,
if it has sufficient reasons to believe that it is (a) not bonafide or (b) not in the interest of the
policyholder or (c) not in public interest or (d) is for the purpose of trading of the insurance
policy.
(9) In case of refusal to act upon the endorsement by the Insurer, any person aggrieved by the
refusal may prefer a claim to IRDAI within 30 days of receipt of the refusal letter from the
Insurer.
Section G (Nomination) and H (Assignment or Transfer) are simplified versions prepared for
general information only and hence are not comprehensive. For full texts of these sections please
refer to Section 38 and Section 39 of the Insurance Act, 1938 as amended by The Insurance Laws
(Amendment) Act, 2015.
I) Prohibition of Rebates: In accordance with Section 41 of the Insurance Act, 1938 as amended
from time to time:
(1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any
person to take out or renew or continue an insurance in respect of any kind of risk relating
to lives or property in India, any rebate of the whole or part of the commission payable or
any rebate of the premium shown on the policy, nor shall any person taking out or renewing
or continuing a policy accept any rebate, except such rebate as may be allowed in
accordance with the published prospectuses or tables of the insurer.
(2) Any person making default in complying with the provisions of this section shall be liable
for a penalty which may extend to ten lakh rupees.
J) Non-Disclosure: In accordance with Section 45 of the Insurance Act, 1938 as amended from time
to time:
(1) No policy of life insurance shall be called in question on any ground whatsoever after the
expiry of three years from the date of the policy, i.e., from the date of issuance of the policy
or the date of commencement of risk or the date of revival of the policy or the date of the
rider to the policy, whichever is later.
(2) A policy of life insurance may be called in question at any time within three years from the
date of issuance of the policy or the date of commencement of risk or the date of revival of
the policy or the date of the rider to the policy, whichever is later, on the ground of fraud:
Provided that the insurer shall have to communicate in writing to the insured or the legal
representatives or nominees or assignees of the insured the grounds and materials on
which such decision is based.
(3) Notwithstanding anything contained in sub-section (2), no insurer shall repudiate a life
insurance policy on the ground of fraud if the insured can prove that the mis-statement of
or suppression of a material fact was true to the best of his knowledge and belief or that
there was no deliberate intention to suppress the fact or that such mis-statement of or
suppression of a material fact are within the knowledge of the insurer: Provided that in case
of fraud, the onus of disproving lies upon the beneficiaries, in case the policyholder is not
alive.
(4) A policy of life insurance may be called in question at any time within three years from the
date of issuance of the policy or the date of commencement of risk or the date of revival of

HDFC Life Click 2 Protect Supreme

A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan 26
 the policy or the date of the rider to the policy, whichever is later, on the ground that any
statement of or suppression of a fact material to the expectancy of the life of the insured
was incorrectly made in the proposal or other document on the basis of which the policy
was issued or revived or rider issued: Provided that the insurer shall have to communicate
in writing to the insured or the legal representatives or nominees or assignees of the
insured the grounds and materials on which such decision to repudiate the policy of life
insurance is based: Provided further that in case of repudiation of the policy on the ground
of misstatement or suppression of a material fact, and not on the ground of fraud, the
premiums collected on the policy till the date of repudiation shall be paid to the insured or
the legal representatives or nominees or assignees of the insured within a period of ninety
days from the date of such repudiation.
(5) Nothing in this section shall prevent the insurer from calling for proof of age at any time if
he is entitled to do so, and no policy shall be deemed to be called in question merely
because the terms of the policy are adjusted on subsequent proof that the age of the Life
Insured was incorrectly stated in the proposal.
K) In case of fraud or misstatement including non-disclosure of any material facts, the Policy shall
be cancelled immediately and the Surrender Value shall be payable, subject to the fraud or
misstatement being established in accordance with Section 45 of the Insurance Act, 1938, as
amended from time to time.
L) This is not a comprehensive list of amendments of Insurance Laws (Amendment) Ordinance,
2014 and only a simplified version prepared for general information. Policy Holders are advised to
refer to Original Ordinance Gazette Notification dated December 26 , 2014 for complete and
accurate details.
M) Taxes:
Indirect Taxes
Taxes and levies as applicable shall be levied as applicable. Any taxes, statutory levy becoming
applicable in future may become payable by you by any method including by levy of an
additional monetary amount in addition to premium and or charges.
Direct Taxes
Tax will be deducted at the applicable rate from the payments made under the policy, as per the
provisions of the Income Tax Act, 1961, as amended from time to time.
N) A policyholder can now have his life insurance policies in dematerialized form through a
password protected online account called an electronic Insurance Account (eIA). This eIA can
hold insurance policies issued from any insurer in dematerialized form, thereby facilitating the
policy holder to access his policies on a common online platform. Facilities such as online
premium payment, changes in address are available through the eIA. Furthermore, you would not
be required to provide any KYC documents for any future policy purchase with any insurer. For
more information on eIA visit [Link]
life-insurance-policy-dematerialization.
O) Grievance Redressal Mechanism:
You can contact us at any of the below touchpoints in case of any concern:
Helpline number: 022-68446530 (Call Charges apply) | NRI Helpline number +91 89166 94100 (Call
Charges apply)

HDFC Life Click 2 Protect Supreme

A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan 27
E-mail Address: service@[Link] | nriservice@[Link] (For NRI customers only)
You can let us know of your concerns/grievances through any of below options:
• Option 1: Written letter duly signed by the policyholder at any HDFC Life Branch. There is a
Grievance Redressal Officer at the respective branch to address the customer’s complaint.
To know more about branch address and timing's you can visit this link:
[Link] . Please note, branches are closed on
Sundays, national holidays and region-specific public holidays.
• Option 2: Write to us from your registered email ID at service@[Link].
• Option 3: Visit us at our website [Link]
grievance-redressal
You may refer to the escalation matrix in case there is no response to a grievance within the
prescribed timelines
If you are still not satisfied with our response, you may approach the Insurance Ombudsman
located in your region.
For more information on our Grievance Redressal Mechanism and the detailed address of the
Insurance Ombudsman, please refer Part G of the policy document given to you.

Contact us today
To buy: 1800-266-9777(Toll free)
(Available all days 10am to 7pm)

Visit us at [Link]

HDFC Life Insurance Company Limited (“HDFC Life”). CIN: L65110MH2000PLC128245.

IRDAI RegistrationNo.101.
Registered Office: HDFC Life Insurance Company Ltd., Lodha Excelus, 13th Floor, Apollo Mills Compound,
N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011
Email: service@[Link], Tel. No: 022-68446530. Available Mon-Sat 10 am to 7pm (Local charges apply).
Website: [Link].
The name/letters "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 a licence from HDFC Bank Limited.
HDFC Life Click 2 Protect Supreme (UIN:101N183V01) is a Non-Linked, Non-Participating, Individual, Pure
Risk Premium/ Savings Life Insurance Plan. Life Insurance Coverage is available in this product.
HDFC Life Income Benefit on Accidental Disability Rider – Non Linked (UIN: 101B041V01) is a Non-Linked,
Non- Participating/Participating, Pure risk premium, Individual Life rider.
HDFC Life Protect Plus Rider – Non Linked (UIN: 101B040V01) is a Non-Linked, Non-
Participating/Participating, Pure risk premium, Individual Life/Health rider.
HDFC Life Health Plus Rider – Non Linked (UIN: 101B031V02) is a Non-Linked, Non-
Participating/Participating, Pure risk premium, Individual Health rider.
HDFC Life LiveWell Rider – Non-Linked (UIN: 101B033V01) is a Non-Linked, Non-Participating/
Participating, Individual, Pure Risk Premium/Savings, Life/Health Insurance Rider.
This Product brochure is indicative of the terms, warranties, conditions and exclusions contained in the
insurance policy. Please know the associated risk and applicable charges from your insurance agent or the
intermediary or policy document of the insurer. ARN: MC/07/25/25031.
BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS
• IRDAI or its officials do not involve in any activities of insurance business like selling
insurance policies, announcing bonus or investment of premiums,refund of amounts.
Policyholders or the prospects receiving such phone calls are requested to lodge a police complaint