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Beshak  gradient-star  Rating - Insurance Ratings based on stuff that matters to you!

01. Claims Experience  02. Customer Service Experience  03. Product Benefits
Home arrow Term Life Insurance arrow Best Term Plans arrow HDFC Life Click 2 Protect Super vs India First Life Guaranteed Protection Plus

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HDFC Life Click 2 Protect Super vs India First Life Guaranteed Protection Plus

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HDFC Life Click 2 Protect Super with similar Term Insurances

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India First Life Guaranteed Protection Plus with similar Term Insurances

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India First Life Guaranteed Protection Plus

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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 India First Life Guaranteed Protection Plus

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.

India First Life Guaranteed Protection Plus

India First Life Insurance Company has settled 99.73% of their claims within 30 days but with a higher number of claim-related complaints, compared to other insurers. Their estimated claim settlement ratio is 97.04%, and their estimated claim amount settlement ratio is 91.10%. And, you can track your claim online. However, there are a few limitations. The company does not offer personal relationship managers for claims, home pickup of claims, or toll-free claim support. They also offer a very long form for claims.

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.

India First Life Guaranteed Protection Plus

India First Life Insurance Company can be reached via their toll-free number and Twitter. However, the response rate on the toll-free number is slow and Twitter is average, compared to other insurers. This means your family may not get prompt assistance for your queries.

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.

India First Life Guaranteed Protection Plus

The India First Life Guaranteed Protection Plus Plan offers a wide range of customization options. However, the plan doesn’t have an increasing cover feature. India First Life Guaranteed Protection Plus Plan offers coverage for up to 99 years, with a variety of rolling limited payment options, ranging from 5 to 40 years. Premiums can be paid monthly or annually. You can choose from multiple claim payout options, including one-time lump sum and lump-sum with monthly income option. The India First Life Guaranteed Protection Plus Plan offers only a Waiver of Premium Rider for Critical Illness and Accidental Disability. A rider is an optional add-on that provides extra protection and peace of mind - so you can be fully prepared for anything life may bring.