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HDFC Life Click 2 Protect Life logo

HDFC Life Click 2 Protect Life

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3.3/ 5
How we score
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INDIA’S FIRST UNBIASED, CONFLICT-FREE INSURANCE RATING
Overall Verdict

A key feature of this plan is that you can choose the exact number of years you want to pay your premiums for (after the first 5 years, until maturity). The insurer has an excellent track record with respect to claims & service, meaning your family is very likely to get a smooth claim settlement experience. This plan doesn’t allow you to choose some important customizations such as increasing covers. Further, it is also considerably expensive compared to other products in the market.

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Pros
  • Several Limited Pay options available, to speed up payments
  • Critical illness rider is available, and the payout is in addition to the life cover amount
  • Received fewer complaints on claim settlement compared to other insurers
Cons
  • Much costlier than other products in the market
  • Doesn't offer the option to automatically increase your claim amount, with time
  • Not many options to customize claim payouts
  • Our study observed their responses on Twitter to be relatively slower than other insurers
Detailed Review
Claims Experience 3.8/5 star green
Customer Service 3.1/5 star green
Product Benefits 2.4/5 star green
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
95.16%
% of Complaints received on overall claims
% customers unhappy with claims experience
0.02%
How complex is the Claim Form?
The longer, the more hassles during claims
Very Long
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