Click 2 Protect Health

Click 2 Protect Health

HDFC Life and HDFC ERGO Health Insurance Limited have joined hands to bring you the benefits of health and life insurance in a comprehensive and affordable Click 2 Protect Health. So nothing comes in the way as you and your family lead a life of pride.

Why you need this Plan ?
1. Ease of purchase- No need to buy from different insurers.
2. Service touch points in over 600 branches of both insurers.
3. 5% discount* on total premium on purchase of Click 2 Protect Health.
4. Only plan that provides tax benefits under section 80C, 80D and 10D of the Income Tax Act, 1961.
5. A customer has to give a single cheque, go for single documentation and single medical test to buy this policy.

* Discount of 5% on annual premiums paid towards both Life & Health will be offered. If Customer decides to opt out of one of the products, the discount, if any, shall not be available to the Customer going forward.

Features
A. Protection:

1. Provide financial protection to you and your family at an affordable cost
2. Customize your plan with a choice of 9 plan options
3. All future premiums are waived on Accidental Total Permanent Disability (Available under all options) and on diagnosis of Critical Illness (available under 3D Life & 3D Life Long Protection options).
4. Protect yourself for whole of life with lifelong protection options
5. Flexibility to choose your policy and premium payment terms
6. Life Stage Protection feature offers to increase insurance cover on certain key milestones without medicals
7. Flexibility to increase your cover every year through top-up option
8. Special premium rates for female lives.
9. Attractive premium rates for non-tobacco users
10. Tax benefits** under section 80C and 10 (10 D)as per prevailing tax laws
11. ** Calculated on highest tax bracket i.e. Rs. 46,350/- under Sec. 80C (Life Insurance Plan) and Rs. 16,995/- under Sec. 80D (Health Insurance Plan). As per Section 80CCE, the aggregate amount of deduction under Sec. 80C, 80CCC and 80CCD(1), shall not in, any case, exceed Rs. 1,50,000/-. The above mentioned tax benefits are subject to changes in tax laws. These calculations are illustrative and based on our understanding of current tax legislation. Above figures are calculated for a salaried employee at the highest tax bracket. Please contact your tax consultant for an exact calculation of your tax liabilities.

B. Health:

1. Restore benefit - A unique benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year.
2. Multiplier benefit - We will increase your basic sum insured by 50% for every claim free year up to 100% of basic sum insured
3. Stay Active benefit- Now with Stay Active benefit, simply walk your way to good health and earn up to 8% discount on your renewal premium.
4. Preventive Health Check-up- This Policy helps you keep track of your health status with its preventive health check up benefit offered at renewal irrespective of claim status
5. Lifelong renewal- Offers lifelong coverage on continuous renewal and stay covered forever
6. No sub-limit on room rent- With this health plan you can get the room you like and the treatment you deserve without a hassle
7. Cashless transaction- Policy enables you to get treated on a cashless basis across 4500 + network hospitals in over 830 cities.
8. No geography based sub-limits- No matter where you buy your policy you can get treated in any city or hospital you like in the country with no additional co pays or sub-limits
9. No claim based loading- We will never load your renewal premium because you claimed or fell ill after taking our policy
10. Quick turnaround time- You don't have to worry about claim pre-authorization, 90% of pre authorization is done within 2 hours
11. Quick claim payment- When it comes to claim settlement, we're one of the fastest in the industry to honor every genuine claim
12. Easy upgrade- This health plan also comes with an easy upgrade option. You can upgrade your cover to the next slab at the time of your policy renewal
13. You can avail tax benefits for the premium amount under Section 80 D of the Income Tax Act*
* Tax benefits are subject to change from time to time

Benefits

A. Protection

1. Death Benefit
Death Benefit is the sum of:
Sum Assured on Death AND
Series of all future monthly incomes (Only Applicable for Income Replacement Option)

Sum Assured on Death is defined as:
a. For Single Pay Policies
Highest of:
125% of Single Premium
"Guaranteed Sum Assured on Maturity"
"Absolute amount assured" to be paid on death

b. For Regular Pay & Limited Pay Policies

Highest of:
10 times of the $Annualised Premium
105% of ^Total Premiums Paid
"Guaranteed Sum Assured on Maturity"
"Absolute amount assured" to be paid on death

$Annualised premium shall be the premium payable in a year chosen by the policyholder, excluding the underwriting extra premiums, loadings for modal premiums, service tax and cess, if any.
^Total Premiums paid = Annualised Premium * number of years (or part thereof) for which premiums have been paid for Limited and Regular Pay or Single Premium for Single Pay

2. Terminal Illness Benefit

In this case, the payment of Death Benefit will be accelerated and the policy will terminate. This benefit is available under all plan options

3. Benefit on Accidental & Total Permanent Disability (ATPD)

In this case, all future premiums payable under the plan will be waived on ATPD. This benefit is available under all plan options

4. Critical Illness Benefit

In this case, all future premiums payable under the plan will be waived, if the life assured is diagnosed with any of the 34 covered critical illnesses. This benefit is available under only 3D Life & 3D Life Long Protection options

5. Accidental Death Benefit

In this case, an Extra Life Sum Assured is paid along with the death benefit upon death of Life Assured due to accident. This benefit is available under only Extra Life & Extra Life income options

6. Maturity Benefit

In this case, all the premiums paid till date are returned back to the Life Assured upon survival till the end of the policy term. This benefit is available under only Return of Premium option

7. Life Stage Protection

Under this feature, you have the option to increase the basic Sum Assured without underwriting on any of the below specified events in the life of the Life Assured

1. 1stMarriage: 50% of Sum Assured subject to a maximum of Rs. 50 lakhs
2. Birth of 1st child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs
3. Birth of 2nd child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs

This option is available for all plan options and is subject to Board Approved Underwriting Policy (BAUP)

8. Top Up Option

With this option you may opt for a systematic increase of your cover from 1st policy anniversary onwards
This option is available for all plan options has to be opted for at policy inception and is subject to BAUP.

B. Health

1. Death

No death benefit is available under health section.

2. Restore Benefit

A unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year.

3. Health Checkup

Optima Restore helps you keep track of your health status with its preventive health check up benefit offered at renewal irrespective of claim status. The health check up benefit is available once in 2 years on sum insured of Rs 5 lakhs and once every year on sum insured of Rs 10 lakhs & above.

4. Multiplier Benefit

The amazing restore benefit also comes with a never before renewal incentive. If you've had a claim free year, we'll increase your basic sum insured by 50% as no claim bonus. If you don't claim even in the second year, we'll double your basic sum insured as no claim bonus i.e. 100% of the basic sum insured.

5. Critical Advantage Rider

You can opt to cover yourself worldwide at our network centers against treatment expenses for 8 major illnesses, that include Cancer, Coronary Artery by-pass surgery, Heart Valve replacement/ repair, Neurosurgery, Live Donor Organ Transplant, Bone Marrow Transplant, Pulmonary artery graft surgery and Aorta Graft Surgery. The rider offers you freedom to not only avail best healthcare services world over but also covers all travel costs for the insured and accompanying relative; accommodation expenses; second opinion & post hospitalization expenses.

6. Portability

Policy offers you easy portability, so that if you are insured under other insurer's health insurance policy you can transfer to Apollo Munich with all your accrued benefits after due allowances for waiting periods and enjoy all unbelievable benefits of the policy Insured has an option to port to any other health insurance plan offer by other insurer as per portability guidelines. Portability section is applicable for Health section only and not applicable for Protection section.