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HDFC Life Click 2 Achieve Plan
Click Today, Achieve Tomorrow
About HDFC Life Click 2 Achieve Plan
As you journey through your life, it is natural for your dreams and aspirations to evolve and expand, whether it involves finding the ideal home for your family, ensuring your child receives a quality education or planning for a comfortable and fulfilling retirement. We truly recognize the importance of reaching these vital milestones in your life, as they shape your future and that of your loved ones. A comprehensive life insurance insurance plan can play a crucial role in helping you materialize these ambitions while providing essential protection for your family’s future against any unforeseen circumstances that may arise.
That is why it is exciting to introduce HDFC Life Click 2 Achieve, a thoughtfully designed solution aimed at empowering individuals to realize their dreams and goals, regardless of where they are in their life journey.
HDFC Life firmly believes in empowering you with the autonomy and flexibility to craft a financial future that resonates with your distinct aspirations and individual needs. The HDFC Life Click 2 Achieve plan is meticulously crafted to provide a wide range of versatile options, enabling you to effectively protect the futures of your loved ones while also pursuing and achieving your financial goals. This tailored approach ensures that you can navigate your financial journey with confidence and clarity, making informed decisions that are best suited for your family’s security and your personal ambitions. With HDFC Life, you can embark on a path that aligns perfectly with what matters most to you and your future.
Key Features of HDFC Life Click 2 Achieve Plan
Discover the essential features of the HDFC Life Click 2 Achieve plan from the pointers mentioned below:
- Life Insurance Cover – Provides your family with financial stability and peace of mind.
- Guaranteed Benefits – Ensures guaranteed returns as long as all premiums are paid promptly.
- Flexibility – Select guaranteed benefits in the form of a lump sum payment or opt for consistent regular income.
- Premium Offset – The ability to offset premium payments against survival benefit disbursements.
- Deferral of Survival/Income Benefit – Gather benefits and withdraw them as a lump sum whenever necessary.
- Tax Benefits – Eligibility for tx benefits according to the current tax regulations.
- Juvenile Critical Illness Cover – Strengthen your child’s safety by securing critical illness coverage.
- Optional Riders – Enhance your coverage with optional riders available for an additional premium.
- Online Sales Availability – The plan is now available for purchase online.
Eligibility Criteria for HDFC Life Click 2 Achieve
Below are the eligibility criteria for HDFC Life Click 2 Achieve, as outlined in the official policy document:
| Eligibility Factor | Details |
|---|---|
| Minimum Entry Age | 30 days |
| Maximum Entry Age | 60 years |
| Minimum Maturity Age | 18 years |
| Maximum Maturity Age | 85 years |
| Premium Payment Term (PPT) | 5, 7, 10 years |
| Policy Term (PT) | 10 to 20 years |
| Minimum Premium | ₹ 12,000 per annum |
| Sum Assured on Death | 10 times the Annualized Premium |
| Survival Benefit | A deferral option available to take benefit as a lump sum |
| Optional Riders | Juvenile Critical Illness Cover, Accidental Disability Rider, Critical Illness Plus Rider |
| Sales Channel | Available online and through the POS channel |
Additional Benefits and Details
Here are some additional advantages and features of HDFC Life Click 2 Achieve that go beyond the ones mentioned earlier:
- Increasing Income Option: Income can increase by 1 to 10% per annum through simple interest, depending on the chosen percentage. This applies to both standard income and early income structures.
- Choice of Death Benefit and Benefit Structure: The opportunity to customize both the death benefit and benefit structure according to individual customer preferences.
- Waiver of Premium on Death: In the event of the proposer’s passing, all future premiums are waived, yet the policy remains active, ensuring that all benefits continue to be provided.
- Waiver of Premium on Critical Illness (CI): If the proposer is diagnosed with a critical illness, all future premiums will be waived, allowing the policy to remain in effect.
- Waiver of Premium on Total and Permanent Disability (TPD): If the proposer experiences a total and permanent disability, future premiums will be waived, allowing the policy to remain in force.
- Option to Decrease Premiums: After 5 years of premium payments, policyholders have the opportunity to reduce their premiums by as much as 50%, along with a proportional decrease in benefits.
- Policy Loan: you can access loans of up to 80% of the surrender value. For more details, please refer to the official brochure.
- Alteration of Premium/Benefit Payout Frequency: The ability to adjust the premium payment frequency or the timing of survival and income benefit payouts throughout the policy.
Documents Required to Buy HDFC Life Click 2 Achieve
While the HDFC Life Click 2 Achieve brochure does not specifically outline the documents needed for purchasing this plan, we can infer the typical requirements based on standard industry practices. Generally, when buying life insurance policies such as HDFC Life Click 2 Achieve, you would need to prepare the following documents.
While these documents are standard, it is highly recommended to verify the specific requirements with HDFC Life or your insurance advisor before proceeding with your policy purchase.
| Document Type | Examples |
|---|---|
| Identity Proof | Aadhar Card, PAN Card, Passport, Voter ID, Driving License |
| Address Proof | Aadhar Card, Passport, Utility Bills (Electricity/Water), Rent Agreement |
| Income Proof | Salary slips, Bank Statements (last 6 months), Income Tax Returns (ITR), Form 16 |
| Age Proof | Birth Certificate, Passport, Aadhar Card, Government-issued document stating the age |
| Photographs | Recent passport-sized photographs |
| Medical Reports | Medical reports (if applicable, based on underwriting requirements or health declaration) |
| Proposal Form | Duly filled and signed insurance proposal form |
| Bank Details | Cancelled cheque or bank passbook copy (for premium payment mandate) |
| PAN Card and Aadhar | PAN Card and Aadhar Card (for tax regulations and KYC compliance) |
Policy Details of HDFC Life Click 2 Achieve
1. Product Type: A savings life insurance plan that is non-participating and non-linked.
2. Guaranteed Benefits:
- Guaranteed returns are assured, provided that all premiums are paid on time and the policy remains active.
3. Flexible Death Benefit: Policyholders can tailor the death benefit, premium payment duration and policy term to suit their individual needs.
4. Survival Benefits:
- You have the choice to receive your survival benefits either as a lump sum payment or through regular income instalments.
- The premium offset feature enables policyholders to balance their premium payments with survival benefit payouts, enhancing the value of their insurance plan.
5. Juvenile Critical Illness Cover:
- Offers insurance coverage for critical illnesses diagnosed in children.
6. Premium Deferral: This option allows you to postpone your survival benefits while enjoying interest accumulation at a rate of SBI plus an additional 1.5%.
7. Tax Benefits: You may qualify for tax benefits according to current tax regulations.
8. Rider Options:
- Enhance your protection with additional coverage for critical illnesses, accidental disabilities and more, available through rider options for an additional premium.
9. Grace Period: Monthly premiums have a grace period of 15 days while other payment frequencies benefit from a 30-day grace period.
10. Policy Loan: You can secure loans against the policy, offering up to 80% of its surrender value.
How to File HDFC Click 2 Achieve Plan Claim?
HDFC Life offers policyholders the flexibility to choose from three convenient methods to begin their claim process:
Moreover, you can also raise your claim by visiting the nearest branch of HDFC Life.
1: Online Submission
Policyholders can submit claims online via HDFC Life's website, enabling quick and efficient claim processing without paperwork.
2: WhatsApp
HDFC Life allows policyholders to report claims via WhatsApp by scanning a QR code or texting “Death Claim” to +91-82918 90569.
3: Branch Visit
HDFC Life allows claim intimation through branch visits. Policyholders can submit the claim form in person at the nearest branch. The form can be downloaded from the HDFC Life website.
HDFC Life guarantees a seamless process for lodging and processing claims, regardless of the method you choose. This streamlined approach prioritizes customer convenience, ensuring efficient support throughout the claims settlement journey.
| Step | Online Claim Process | Offline Claim Process |
|---|---|---|
| Intimate the Claim |
| You can easily download the claim form from the HDFC Life website or visit a nearby branch to collect it in person. |
| Submit Details | Please provide the necessary information for the individual being insured, including identification proof and medical certificates. |
|
| Nominee Details | Please supply the nominee details necessary for the claim settlement process. | Please ensure that you submit the completed claim form along with all necessary documents to the branch representative. |
| Documentation |
| Submit all necessary documents including:
|
| Claim Evaluation | The claims management team will meticulously review and assess the submitted documents to ensure compliance with policy terms. | The branch will evaluate the submission and may ask for additional documentation if necessary. |
| Claim Settlement | Upon approval, the claim amount will be processed and settled within the designated timeframe, typically within 30 days. | Upon verification, the claim amount will be processed and settled according to your chosen payment method, such as ECS or others. |
Key Inclusions and Exclusions of the Plan
What's Included
- Secure your family’s financial future with life insurance coverage
- Guaranteed lump sum benefits or a steady income stream, depending on your selected option
- The option to postpone survival benefits or select from a lump sum, regular income or a combination of both offers unparalleled flexibility
- The ability to offset premium payments against the survival benefit
- Waiver of premium benefits in the event of death critical illness or total and permanent disability
- Optional riders are available to provide additional protection coverage, such as critical illness and accidental disability
- Qualifications for tax benefits under the current legislation
- You have the opportunity to secure a policy loan of up to 80% of your surrender value
What's Not Included
- No payout will be made for deaths resulting from suicide within the first 12 months of the policy’s initiation or revival
- Exclusions for critical illness claims during the initial 90 days of policy activation
- Severe health issues resulting from alcoholism, drug addiction or substance misuse
- Serious health conditions resulting from self-harm, suicide attempts or military conflicts
- Any pre-existing conditions that are not disclosed at the time the policy is issued will be excluded from the critical illness benefit
- Treatments provided at health resorts, spas or similar facilities are not included in coverage for critical illness benefits
- Critical illness coverage does not include conditions like congenital external anomalies or inherited disorders
- Engagement in professional extreme sports, along with any resulting severe illness, is not covered
HDFC Life Click 2 Achieve Plan Contact Details
| Category | Details |
|---|---|
| Corporate Office | HDFC Life Insurance Company Limited |
| Address | 12th Floor, Lodha Excelus, Apollo Mills Compound, N.M. Joshi Road, Mahalaxmi, Mumbai - 400011 |
| Telephone | (022) 67516666 |
| Working Days | Monday to Friday |
| Timings | 9:15 AM to 6:00 PM |
| Customer Service (Mumbai) | 11th Floor, Lodha Excelus Apollo Mills Compound, N.M. Joshi Road, Mahalaxmi, Mumbai - 400011 |
| Customer Service (Chennai) | 37/38, 2nd Floor, ASV Ramana Towers, Venkatnarayana Road, T.Nagar, Chennai - 600017 |
| International Office | Office number- 207, 2nd floor, The Business Center, Bank Street, Bur Dubai, UAE |
| International Working Days | Monday to Friday |
| International Timings | 9:00 AM to 5:00 PM |
| Toll-Free Number (General) | 1800-266-9777 |
| Toll-Free Number (New Policy) | 1800-315-7373 |
| WhatsApp Contact | +91-8291-890-569 |
| Email for NRI Customers | nriservice@hdfclife.com |
Frequently Asked Questions (FAQs)
A.
HDFC Life Click 2 Achieve is a reliable savings life insurance plan that guarantees financial security while safeguarding the future of your loved ones. This plan features customizable benefits, including immediate income options and flexible premium payment terms, making it suitable for a wide range of financial objectives.
A.
The interest rate for HDFC Life Click 2 Achieve varies between 1% and 10% per annum, determined by the selected increasing income percentage. This rate applies to both early income and regular income options within the plan.
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