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HDFC Life Click 2 Protect Super vs HDFC Life Click 2 Protect Life

OVERALL RATING
How we score
beshak-icon star
4.8
beshak-icon star
3.6
01 Claims Experience
4.6
4.6
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
99.94%
99.94%
% of Complaints received on overall claims
% customers unhappy with claims experience
0.02%
0.02%
How complex is the Claim Form?
The longer, the more hassles during claims
Moderately Long
Moderately Long
+ Show 8 more
02 Customer Service
4.7
4.7
Response time on Toll-Free BETA
How long does it take for the caller to connect with an customer service agent over toll-free?
Slow
Slow
Response time on Twitter BETA
How quickly does a user get a response on complaint Tweets?
Average
Average
% of Complaints received for after-sales service
% customers unhappy with after-sales service
0.50%
0.50%
03 product benefits
5
2
Increasing Cover
Cover starts increasing from
2nd Year onwards / 6th Year onwards
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How much can the cover increase every year?
5% / 10%
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Cover can increase up to
2X of Base Cover
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Claim Payout Customization
Options for claim payout
Options available to customize claim payment to your nominee
One time, Instalment, One time + Instalment options
One time payout option
Premium Payment Customizations
Payment modes available to pay the premium
Frequency in which you can pay premium - monthly, yearly installments?
Monthly, Quarterly, Half-yearly, Yearly
Monthly, Half-Yearly, Yearly
Options to pay off premiums before maturity age
Types of Limited pay options available
Rolling from 2 to (PT-1) Years
Rolling from 5 to (PT-1) Years
+ Show 5 more
Notes

1- Beshak Ratings data was last updated in September 2023.

2- All data was sourced from public disclosures (FY 2023-2024, Q1 and FY 2022-23, Q4), insurer websites, and the IRDAI website. Except Claim Amount Settlement Ratio, for which the data was taken from the IRDAI Annual Report 2021-22.

3- Only features that are currently available for purchase online were considered when calculating the Beshak Ratings.

4- In the Premium Ratings, we do not display premium amounts - instead, we show the product's relative pricing compared to the median.

5- Premium for all plans is calculated for the following profile: 30-year-old, non-smoker, married male, for a sum assured of INR 1 Crore, up to the age of 65 years, paying annual premiums, till the end of the policy. Except for these plans:

  ・Bajaj Allianz Life Diabetic Term Plan Sub 8 HbA1c - Premium is calculated for a 30-year-old, non-smoker, married male, having Type 2 diabetes, with HbA1c level between 6.5 to 7, for a sum assured of INR 1 Crore, up to the age of 55 years, paying annual premiums for 25 years. 

  ・IndiaFirstLife Guaranteed Protection Plus Plan - Premium is calculated for a 30-year-old, non-smoker, married male, for a sum assured of INR 1 Crore, up to the age of 75 years, paying annual premiums for 40 years. 

  ・TATA AIA Maha Raksha Supreme - Premium is calculated for a 30-year-old, non-smoker, married male, for a sum assured of INR 2 Crore, up to the age of 65 years, paying annual premiums, till the end of the policy. 

6- The overall ratings do not include the premium rating. This is because we believe that the affordability of premiums is a personal thing. Something that seems unaffordable or expensive to one person could seem cheap and affordable to another, regardless of their income. We leave it up to our users to decide whether the price they pay seems reasonable for the features they receive.

7- The Response time on Twitter (Beta) was calculated using a sample set of tweets from February to August 2023 - (Analyzed in September 2023).

8- Claims Experience was assessed based on an audit of various processes and facilities offered by the insurers, during claim settlement.

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Compare HDFC Life Click 2 Protect Super and HDFC Life Click 2 Protect Life

Claims Track Record:

HDFC Life Click 2 Protect Super

HDFC Life Insurance Company has settled 99.94% of claims in less than 30 days and fewer claim complaints compared to other insurers. The HDFC Life Insurance Company boasts of a high claim settlement ratio of 99.39%, and the claim amount settlement ratio is 89.38%. The plan provides online tracking of claims and dedicated toll-free claims support. However, customers do not have the benefit of being assisted by a personal relationship manager for claims, and the claim form is moderately long. Unfortunately, the insurer does not offer a home-pick-up claim service, which some other insurance companies do provide.

HDFC Life Click 2 Protect Life

HDFC Life Insurance Company has a good track record when it comes to settling claims. They have successfully settled 99.94% of claims in less than 30 days with fewer complaints, compared to other insurers. The insurer boasts of a claim settlement ratio of 99.39%, with a claim amount settlement ratio of 89.38%. They provide online tracking of claims and a dedicated toll-free claims service. However, they do not offer a personal manager for claims and have a moderately long claim form. Also, they do not provide a home pick-up claim service.

Service Experience:

HDFC Life Click 2 Protect Super

HDFC Life Insurance Company offers customer services via toll-free and Twitter, but our research shows that their response time on toll-free is slow and Twitter is average, compared to other insurers. This suggests that you and your family may face problems in getting your queries addressed.

HDFC Life Click 2 Protect Life

HDFC Life Insurance Company offers customer service through their toll-free number and Twitter, but our research indicates that their toll-free number has a slow response time and their Twitter handle has an average response time, compared to other insurers. Meaning you or your family may face some difficulties in getting your queries addressed.

Product Benefits:

HDFC Life Click 2 Protect Super

The HDFC Life Click 2 Protect Super Plan is an affordable policy that offers various customisation options. One of the key benefits of HDFC Life Click 2 Protect Super Plan is the choice to increase the coverage by 5%/10% every year until the base policy cover doubles. The cover starts increasing from 2nd year or 6th year onwards, depending on your choice. The plan provides life coverage up to the age of 85 years, with several rolling Limited Pay options ranging from 2 to (PT-1) years. You can pay the premiums on a monthly, quarterly, half-yearly, yearly basis. Additionally, the HDFC Life Click 2 Protect Super Plan offers multiple claim payout options, including one-time lump sum, lump-sum with monthly income, and a combination of both.

HDFC Life Click 2 Protect Life

The HDFC Life Click 2 Protect Life Plan offers various customization options. However, unlike some other plans, it does not provide the option to choose the increasing cover. The HDFC Life Click 2 Protect Life Plan provides a life cover duration up to age 85, with several limited pay options ranging from 5 to (PT-1) years. You can pay premiums on a monthly, half-yearly, yearly basis. The only claim payout option available with this plan is a one-time lump sum payment. Additionally, the HDFC Life Click 2 Protect Life Plan offers riders such as a Comprehensive Critical Illness Rider, an Accidental Death Benefit Rider, and a Waiver of Premium due to Critical Illness Rider.

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