{"uin":"101N189V03","name":"HDFC Life Click 2 Protect Supreme Plus Appendix 10 Customer Information Sheet","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03","insurer":{"slug":"hdfc-life-insurance","name":"HDFC Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/hdfc-life-insurance"},"line":"life","category":"term-life","category_name":"Term life","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"HDFC Life Click 2 Protect Supreme Plus is a non-linked, non-participating individual term life plan with Life, Life Plus and Life Goal options. It pays death benefit during the policy term, offers optional return of 100% of total premiums paid on survival, and has a 30 day free-look period.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:47:11.056693+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Life","Life Plus","Life Goal"],"display":"Life, Life Plus and Life Goal","note":null,"quote":"Plan Option | <<Life / Life Plus / Life Goal >> ... Plan option- means in- built coverage options opted the Policyholder from (i) Life Option or (ii) Life Plus Option or (iii) Life Goal Option and specified in the policy schedule.","sources":[{"clause":null,"heading":"Policy Details","page":4,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-policy-details"},{"clause":"29","heading":"Plan option","page":22,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-29"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Policy term depends on the option and premium-paying type: Life has minimum SP 1 month, RP 2 years and LP 3 years; Life Plus has minimum LP 3 years; Life Goal has minimum SP 5 years and LP 7 years. The maximum shown is 85 less Entry Age.","display":"Minimums: Life SP 1 month, RP 2 years, LP 3 years; Life Plus LP 3 years; Life Goal SP 5 years, LP 7 years. Maximum: 85 less Entry Age.","note":"From Policy at a glance.","quote":"Policy term | Option / PPT | Minimum Policy Term (in years) | Maximum Policy Term (in years)\nLife | SP: 1 month RP: 2 years LP: 3 years | 85 less Entry Age\nRP: 2 years\nPolicy term | Life Plus | LP: 3 years | 85 less Entry Age\nLife Goal | SP: 5 years LP: 7 years","sources":[{"clause":null,"heading":"YOUR POLICY AT A GLANCE","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7208#c-your-policy-at-a-glance"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Death claims are required to be intimated within 90 days from the date of death. The insurer may condone delay if the claim is genuine and the delay is proved to be for reasons beyond the control of the claimant.","display":"Within 90 days from the date of death; delay may be condoned for genuine claims beyond the claimant’s control.","note":null,"quote":"The claim is required to be intimated to us within a period of 90 days from the date of death. However, we may condone the delay in claim intimation, if any, where the claim is genuine and the delay is proved to be for reasons beyond the control of the claimant.","sources":[{"clause":"2(ii)","heading":"Death Benefit","page":48,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-2-ii"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Completed claim form","Original Policy","Death Certificate issued by Municipal Authority/ Gram Panchayat / Tehsildar","Claimant’s identity and residence proof","First Information Report, Police Panchnama report","Postmortem report"],"display":"Death claim: completed claim form, original policy, death certificate, claimant ID and residence proof; for unnatural death also FIR/police panchnama and postmortem report where applicable.","note":"Depending on the circumstances of death, the insurer may ask for further documents.","quote":"Basic documentation if death is due to Natural Cause: o Completed claim form, (including NEFT details and bank account proof as specified in the claim\nform); o Original Policy; o Original or copy Death Certificate issued by Municipal Authority/ Gram Panchayat / Tehsildar (attested by issuing Authority); o Claimant’s identity and residence proof. ... o Original or copy of First Information Report, Police Panchnama report attested by Police authorities; and o Original or copy of Postmortem report attested by Hospital Authority, wherever applicable.","sources":[{"clause":"2(ii)","heading":"Death Benefit","page":48,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-2-ii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"For the Immediate Payout on Claim Intimation benefit, an accelerated instant death benefit is payable within 1 working day from the claim registration date, after receipt of intimation and required supporting documents. The remaining sum assured is payable after completion of claim investigation; no overall settlement time is printed in the policy wording.","display":"Immediate payout within 1 working day from claim registration date; remaining sum assured after claim investigation.","note":"The policy wording gives this time only for the accelerated instant Death Benefit.","quote":"upon receipt of intimation of death claim (along with the required supporting documents as may be specified from time to time) an accelerated instant Death Benefit shall be payable within 1 (one) working day from the claim registration date ... The remaining sum assured shall be payable post the completion of the claim investigation.","sources":[{"clause":null,"heading":"Do you have to pay additional Premium?","page":35,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-do-you-have-to-pay-additional-premium-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["death due to suicide within 12 months","War (whether declared or not) and war like occurrence or invasion","intentional self-injury unless in self-defense or to save life, suicide or attempted suicide","whilst under the influence of intoxicating liquor or drugs or other intoxicants","engaging in aviation or ballooning","committing any breach of law with criminal intent","participation as a professional in hazardous or adventure sports","Ionizing radiation or contamination by radioactivity","Nuclear, chemical and biological terrorism","actual or attempted commission of or willful participation in an illegal act"],"display":"Main exclusions include suicide within 12 months, and for accidental death benefits: war, intentional self-injury, intoxication, non-passenger aviation/ballooning, criminal breach of law, professional hazardous/adventure sports, nuclear/radiation risks, nuclear/chemical/biological terrorism and illegal acts.","note":"Accidental death and waiver-of-premium options have additional exclusions; the base death benefit exclusion quoted is suicide.","quote":"In case of death due to suicide within 12 months from the Risk Commencement Date under the Policy or from the date of revival of the Policy ... Additional Accidental Death benefit will not be payable, if death is caused directly or in-directly from any of the following:\n• Any claim for death of the insured person, directly or indirectly due to War (whether declared or not) and war like occurrence or invasion ... intentional self-injury unless in self-defense or to save life, suicide or attempted suicide. o whilst under the influence of intoxicating liquor or drugs or other intoxicants ... whilst engaging in aviation or ballooning ... arising or resulting from the Insured Person committing any breach of law with criminal intent. ... participation as a professional in hazardous or adventure sports ... Ionizing radiation or contamination by radioactivity ... Nuclear, chemical and biological terrorism\nAny claim arising out of the Insured Person's actual or attempted commission of or willful participation in an illegal act","sources":[{"clause":"1(i)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-1-i-2"},{"clause":"1(iii)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-1-iii"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the Grievance Redressal Officer at HDFC Life, 11th Floor, LodhaExcelus, Apollo Mills Compound, N. M. Joshi Marg, Mahalaxmi, Mumbai, Maharashtra - 400011, or email service@hdfclife.com. If not satisfied or no response within timelines, escalate to Customer Relations at escalation1@hdfclife.in and then escalation2@hdfclife.in before approaching IRDAI or the Insurance Ombudsman.","display":"Grievance Redressal Officer, HDFC Life, Mumbai; email service@hdfclife.com. Escalate to escalation1@hdfclife.in, then escalation2@hdfclife.in.","note":null,"quote":"The customer can contact us on the below mentioned address or at any of our branches in case of any complaint/ grievance:\nGrievance Redressal Officer HDFC Life Insurance Company Limited(“HDFC Life”) 11th Floor, LodhaExcelus, Apollo Mills Compound, N. M. Joshi Marg, Mahalaxmi, Mumbai, Maharashtra - 400011\nE-mail: service@hdfclife.com ... 1st Level | Chief Manager OR above – Customer Relations | 10 working days | escalation1@hdfclife.in ... 2nd Level (for response not received from Level 1) | Vice President ORabove – Customer Relations | 7 working days | escalation2@hdfclife.in","sources":[{"clause":"1(i)","heading":null,"page":51,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-1-i-3"},{"clause":"1(x)","heading":null,"page":51,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-1-x"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"The Policy Schedule states the Basic Sum Assured and Sum Assured on Death. Sum Assured on Death is the highest of 125% of Single Premium, Sum Assured on Maturity and Basic Sum Assured for Single Pay; for Limited Pay and Regular Pay it is the highest of 10 times the Annualized Premium, Sum Assured on Maturity and Basic Sum Assured. The policy-at-a-glance states a minimum sum assured of INR 10,000.","display":"Minimum Sum Assured: INR 10,000. Sum Assured on Death rule: SP highest of 125% of Single Premium, Sum Assured on Maturity or Basic Sum Assured; LP/RP highest of 10 times Annualized Premium, Sum Assured on Maturity or Basic Sum Assured.","note":"The main policy documents do not print a general maximum basic sum assured.","quote":"Basic Sum Assured | Rs. <<>>\nSum Assured on Death | Rs. <<>> ... Sum Assured on Death for Single Pay (SP) is the highest of the following:\n• 125% of Single Premium\n• Sum Assured on Maturity\n• Basic Sum Assured\nSum Assured on Death for other than Single Pay (i.e. for Limited Pay and Regular Pay) is the highest of the following:\n• 10 times the Annualized Premium\n• Sum Assured on Maturity\n• Basic Sum Assured ... Sum Assured (Min) | INR 10,000","sources":[{"clause":null,"heading":"Policy Details","page":4,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-policy-details"},{"clause":"1","heading":"Benefits","page":25,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-1-3"},{"clause":null,"heading":"YOUR POLICY AT A GLANCE","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7208#c-your-policy-at-a-glance"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"For Life option, death benefit is paid as a lump sum and is the higher of Sum Assured on Death multiplied by the applicable SA Factor, or 105% of Total Premiums Paid. For Life Plus, death benefit is the higher of Sum Assured on Death or 105% of Total Premiums Paid, with an additional amount equal to Sum Assured on Death for accidental death. For Life Goal, death benefit is Basic Sum Assured multiplied by the applicable SA Factor.","display":"Life: higher of Sum Assured on Death × SA Factor or 105% of Total Premiums Paid. Life Plus: higher of Sum Assured on Death or 105% of Total Premiums Paid, plus accidental death benefit if applicable. Life Goal: Basic Sum Assured × SA Factor.","note":null,"quote":"This is payable as a lump sum if the Life Assureddies during the Policy Term. It is the higher of either:\n• Sum Assured (“SA”) on Death × SA Factor applicable in the Policy year of death, or\n• 105% of Total Premiums Paid ... This is payable as a lump sum if the Life Assured dies during the Policy Term. It is the higher of either:\n• Sum Assured on Death;\n• 105% of Total Premiums Paid ... In addition to Death Benefit as defined above, an amount equalSum Assured on Death will be payable in case of Accidental Death of the Life Assured. ... This is payable as a lump sum if the Life Assured dies during the Policy Term. It is equal to theSum Assured on Death, which is calculated as:\nBasic Sum Assured × SA Factor applicable in the Policy year of death","sources":[{"clause":"1","heading":"Benefits","page":25,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-1-3"},{"clause":null,"heading":"Death Benefit","page":27,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-death-benefit"},{"clause":null,"heading":"Accidental Death Benefit","page":27,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-accidental-death-benefit"},{"clause":null,"heading":"Death Benefit","page":28,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-death-benefit-2"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"If the Return of Premium option is chosen, Sum Assured on Maturity is payable and equals 100% of Total Premiums Paid if the Life Assured is alive when the policy matures. Otherwise maturity benefit is not applicable, and it is not applicable under Life Goal option.","display":"With Return of Premium: 100% of Total Premiums Paid on survival to maturity. Otherwise no maturity benefit; Life Goal has no maturity benefit.","note":null,"quote":"<< If you have chosen the ROP benefit option, Sum Assured on Maturity will be payable, which will be equal to 100% of the Total Premiums Paid, if the Life Assured is alive when the Policy matures.>>\n<<OR>>\n<<Maturity benefit is not applicable under this Policy.>> ... Maturity Benefit is not applicable under the Life Goal Option.","sources":[{"clause":null,"heading":"Maturity Benefit","page":27,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-maturity-benefit"},{"clause":null,"heading":"Maturity Benefit","page":29,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-maturity-benefit-3"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"The plan has regular, limited and single premium payment options. Limited premium can be from 2 years to any premium paying term less than the policy term where available; Life Goal does not allow regular pay.","display":"Regular, Limited and Single premium payment options; LP from 2 years to any PPT less than PT where available.","note":"From Policy at a glance.","quote":"Premium Paying Term | The plan has Regular, Limited & Single premium payment option. Option / PPT RP SP LP Life^ Yes Life Plus Yes 2 years to any PPT less than the PT Life Goal No ^ For age at entry greater than 65 years only SP will be allowed\nOption / PPT | RP | SP | LP\nLife^ | Yes | Yes | 2 years to any PPT less than the PT\nLife Plus | Yes | 2 years to any PPT less than the PT\nLife Goal | No","sources":[{"clause":null,"heading":"YOUR POLICY AT A GLANCE","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7208#c-your-policy-at-a-glance"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"The policy-at-a-glance gives the maximum policy term as 85 less Entry Age, implying cover can run to age 85. The POS KFD separately states maximum age at maturity as 65 years.","display":"85 years generally; 65 years in POS KFD.","note":"The POS KFD has a lower maximum age at maturity.","quote":"Maximum Policy Term (in years)\nLife | SP: 1 month RP: 2 years LP: 3 years | 85 less Entry Age ... Max. Age at Maturity | 65 years","sources":[{"clause":null,"heading":"YOUR POLICY AT A GLANCE","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7208#c-your-policy-at-a-glance"},{"clause":null,"heading":"Eligibility Conditions","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7210#c-eligibility-conditions"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death is due to suicide within 12 months from the Risk Commencement Date or from the date of revival, the nominee or beneficiary is entitled to at least 80% of Total Premiums Paid till death or the Surrender Value available on the date of death, whichever is higher, provided the policy is in force.","display":"Within 12 months: at least 80% of Total Premiums Paid till death or Surrender Value on date of death, whichever is higher, if policy is in force.","note":null,"quote":"In case of death due to suicide within 12 months from the Risk Commencement Date under the Policy or from the date of revival of the Policy, as applicable, the Nominee or beneficiary of the Policyholder shall be entitled to at least 80% of the Total Premiums Paid till the date of death or the Surrender Value available as on the date of death whichever is higher, provided the Policy is in force.","sources":[{"clause":"1(i)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-1-i-2"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"conflicting","value":"Under the policy wording, with Return of Premium the Guaranteed Surrender Value is acquired immediately for Single Pay and after payment of premiums for at least 2 years for Limited Pay/Regular Pay, and surrender value is the higher of GSV and SSV. Without Return of Premium, policy cancellation value is acquired immediately for Single Pay and after premiums for at least 2 full years for Limited Pay; otherwise the policy lapses without value.","display":"With ROP: GSV immediately for SP, after at least 2 years of premiums for LP/RP; surrender value is higher of GSV and SSV. Without ROP: policy cancellation value immediately for SP, after at least 2 full years for LP; otherwise no value.","note":"Policy wording is used. Policy at a glance says for ROP: \"upon payment of Premiums for at least 1 full year in case of LP/RP\".","quote":"Your Guaranteed Surrender Value (GSV) gets acquired immediately upon payment of Premium in case of SP and upon payment of Premiums for at least 2 years in case of LP/RP. ... Your Surrender Value will be the higher of Guaranteed Surrender Value (GSV) and Special Surrender Value (SSV). ... Your policy cancellation value gets acquired immediately upon payment of Premium in case of SP and upon payment of Premiums for at least 2 full years in case of LP. In all other cases, the Policy lapses on Premium discontinuance without any value. ... upon payment of Premiums for at least 1 full year in case of LP/RP","sources":[{"clause":"1","heading":"Benefits payable on Surrender","page":38,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-1-4"},{"clause":"1(ii)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-1-ii"},{"clause":null,"heading":"YOUR POLICY AT A GLANCE","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7208#c-your-policy-at-a-glance"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"The policy acquires paid-up value only where Return of Premium is selected with Limited Pay/Regular Pay and premiums are paid for at least 1 full year after completion of the first policy year. Otherwise, if premiums are discontinued, the policy lapses without paid-up value.","display":"Paid-up only with ROP and LP/RP, after at least 1 full year of premiums and completion of first policy year; otherwise no paid-up value.","note":null,"quote":"Your policy will acquire a paid-up value only:\n• Where Return of Premium is selected with LP/RP, and\n• When premiums are paid for at least 1 full year and after completion of first policy year\nIn all other cases,if you discontinue paying premiums, your Policy lapses without any paid-up value.","sources":[{"clause":null,"heading":"When will your policy acquire a paid-up value?","page":39,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-when-will-your-policy-acquire-a-paid-up-value"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A discontinued policy may be revived within five years from the due date of the first unpaid premium and before expiry of the policy term, subject to receipt of due premiums and charges/late fee, insurability and underwriting requirements.","display":"Within five years from the due date of the first unpaid Premium, before expiry of the Policy Term.","note":"The current revival interest rate printed is 9% p.a.","quote":"The application for the revival should be made within five years from the due date of the first unpaid Premium and before the expiry of the Policy Term. Once the Policy is revived, you are entitled to receive benefits as per the Policy.","sources":[{"clause":null,"heading":"When should you make the application for Policy revival?","page":40,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-when-should-you-make-the-application-for-policy"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Loans are not available under this policy.","display":"No policy loan.","note":null,"quote":"Can you avail a loan under this Policy?\nYou cannot avail any loans under this Policy.","sources":[{"clause":null,"heading":"Can you avail a loan under this Policy?","page":39,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-can-you-avail-a-loan-under-this-policy"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":"The policy schedule contains blank rider placeholders but does not name any rider available with the base product.","quote":null,"sources":[],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after expiry of 3 years from the date of issuance, commencement of risk, revival or rider, whichever is later. Within 3 years, it may be questioned on fraud or material misstatement grounds, with written communication of the grounds and materials.","display":"After 3 years, not questionable on any ground. Within 3 years, may be questioned for fraud or material misstatement with written grounds and materials.","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from\na) the date of issuance of Policy or\nb) the date of commencement of risk or\nc) the date of revival of Policy or\nd) the date of rider to the Policy whichever is later. ... On the ground of fraud, a Policy of Life Insurance may be called in question within 3 years ... Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the insured was incorrectly made","sources":[{"clause":"1","heading":null,"page":66,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-1-10"},{"clause":"2","heading":null,"page":66,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-2-9"},{"clause":"6","heading":null,"page":66,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-6-6"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"The document says tax benefits may be available as per prevailing tax laws and asks the customer to consult a tax advisor.","display":"Tax Benefits may be available as per prevailing tax laws; consult your tax advisor.","note":"From Policy at a glance.","quote":"Tax Benefit | Tax Benefits may be available as per prevailing tax laws. You are requested to consult your tax advisor.","sources":[{"clause":null,"heading":"YOUR POLICY AT A GLANCE","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7208#c-your-policy-at-a-glance"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days from the date of receipt of the Policy","note":null,"quote":"you have the option of returning the Policy to us stating the reasons thereof, within 30 days from the date of receipt of the Policy, whether received electronically or otherwise.","sources":[{"clause":"7","heading":"Free Look Cancellation","page":40,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-7-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days for monthly mode","note":"15 days applies where the premium is paid monthly; 30 days applies in all other cases.","quote":"The grace period for payment of the premium for all types of life insurance policies shall be fifteen days, where the policyholder pays the premium on a monthly basis and 30 days in all other cases;","sources":[{"clause":"17","heading":"Grace Period for other than single premium policies","page":22,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-17"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"The POS KFD states minimum age at entry as 18 years and maximum age at entry as 60 years.","display":"18 years to 60 years in POS KFD.","note":"From POS KFD; the main policy wording does not print general non-POS entry age limits.","quote":"Min. Age at Entry | 18 years\nMax. Age at Entry | 60 years","sources":[{"clause":null,"heading":"Eligibility Conditions","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7210#c-eligibility-conditions"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["yearly","half-yearly","quarterly","monthly"],"display":"Yearly, half-yearly, quarterly and monthly","note":null,"quote":"The Regular/Limited Premium can be paid on yearly, half-yearly, quarterly or monthly mode as per the chosen frequency and as set out in the Policy Schedule or as amended subsequently.","sources":[{"clause":"4(ii)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-4-ii"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Single Premium","Regular Premium","Limited Premium"],"display":"Single Premium, Regular Premium and Limited Premium","note":null,"quote":"Premium under the Policy can be paid as Single Premium or Regular/Limited Premium.","sources":[{"clause":"4(ii)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-4-ii"}],"law":[]},{"key":"return_of_premium","label":"Return of premium option","section":"Cover","meaning":"Whether premiums come back if you survive the term, and at what cost. 'No' only when the document says no maturity benefit is payable.","status":"quote-verified","value":"Return of Premium is an optional benefit chosen at inception for an additional premium. If chosen, the policyholder receives 100% of Total Premiums Paid as a lump sum on survival to maturity; it is not available where Life Goal option has been selected.","display":"Optional ROP: 100% of Total Premiums Paid as lump sum on survival to maturity, for additional premium; not available with Life Goal.","note":null,"quote":"If you have chosen this option, as the Policyholder, you will have to pay an additional Premium over and above the Premium amount payable for the base plan. You will receive a return of 100% of the Total Premiums Paid as lump sum, upon your survival till maturity of your Policy. ... This option is available only where:\n• Life Goal Option has not been selected;","sources":[{"clause":"2","heading":"Optional Benefits","page":29,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-2-3"},{"clause":null,"heading":"Can you opt in / opt out of this option?","page":29,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-can-you-opt-in-opt-out-of-this-option"}],"law":[]},{"key":"payout_options","label":"Payout options","section":"Cover","meaning":"Lump sum, monthly income, or a mix for your family.","status":"quote-verified","value":"Death Benefit is payable as a lump sum. If the Death benefit as Instalment Option is chosen, the nominee can receive full or part of the death benefit in instalments over 5 to 15 years, at yearly, half-yearly, quarterly or monthly frequency.","display":"Lump sum death benefit; optional full or part instalments over 5 to 15 years, yearly/half-yearly/quarterly/monthly.","note":null,"quote":"This is payable as a lump sum if the Life Assureddies during the Policy Term. ... If you have chosen this option,the Nominee will receive full or part of the Death Benefit in instalments. ... It can be opted for full or part of death claim proceeds payable under the Policy.\n• The instalment can be taken over a period of 5 to 15 years. ... The instalment will be paid in advance at the frequency specified by the Policyholder or theirNominee, which can be yearly, half-yearly, quarterly, or monthly.","sources":[{"clause":"1","heading":"Benefits","page":25,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-1-3"},{"clause":null,"heading":"Can you opt in / opt out of this option?","page":30,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-can-you-opt-in-opt-out-of-this-option-5"},{"clause":null,"heading":"What are the conditions of this option?","page":31,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-what-are-the-conditions-of-this-option"},{"clause":null,"heading":"How will the instalments be paid?","page":31,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-how-will-the-instalments-be-paid"}],"law":[]},{"key":"terminal_illness","label":"Terminal illness benefit","section":"Cover","meaning":"Whether part of the cover is paid early on diagnosis of a terminal illness.","status":"quote-verified","value":"Terminal Illness benefit accelerates the death benefit; it is not an additional benefit. For Life option, Sum Assured on Death can be accelerated only if the Life Assured is age 80 or below, with a maximum accelerated amount of Rs 2 crore; Life Plus also does not accelerate beyond age 80.","display":"Death Benefit acceleration on Terminal Illness up to Rs 2 crore and only up to age 80; not an additional benefit.","note":null,"quote":"Sum Assured on Death will be accelerated in case the Life Assured is of 80 years of age or below and is diagnosed of Terminal Illness. However, the maximum amount of Sum Assured on Death that can be accelerated under this benefit is Rs 2 crore. ... Please note that acceleration of Death Benefit is not an additional benefit; it only facilitates an earlier payout of Sum Assured on Death on diagnosis of Terminal Illness. ... if the Life Assuredisdiagnosedwith a Terminal Illnessbeyond the age of 80 years, the Death Benefit will not be accelerated.","sources":[{"clause":"1","heading":"Benefits","page":25,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-1-3"},{"clause":null,"heading":"Terminal Illness Benefit","page":27,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-terminal-illness-benefit"}],"law":[]},{"key":"increasing_cover","label":"Increasing or life-stage cover","section":"Cover","meaning":"Options to raise cover over time or at marriage or childbirth.","status":"quote-verified","value":"Life option can have variants where the SA Factor stays 100%, increases by 10% after every 5 years after the first 5 years capped at 200%, or increases by 5% every subsequent year capped at 200%. The Life Stage option can increase Sum Assured without underwriting on 1st marriage, birth of 1st child, birth of 2nd child and availing home loan, subject to limits and conditions.","display":"Life variants B/C increase cover up to 200%; Life Stage option can increase cover on 1st marriage, 1st child, 2nd child and home loan.","note":"Life Stage option has an overall maximum increase cap of Rs. 1.5 Crore.","quote":"A | Equal to 100% throughout the Policy term\nB | Equal to 100% during the first 5 Policy years and then a simple increase of 10% after every 5 years, subject to a cap of 200% ... C | Equal to 100% in the first Policy year and then a simple increase of 5% every subsequent year, subject to a cap of 200% ... you may opt to increase the Sum Assured without underwriting on any of the below specified events in Life Assured’s life:\n• 1st Marriage: 50% of Basic Sum Assured subject to a maximum of Rs. 50 lakhs\n• Birth of 1st child: 25% of Basic Sum Assured subject to a maximum of Rs. 25 lakhs\n• Birth of 2nd child: 25% of Basic Sum Assured subject to a maximum of Rs. 25 lakhs\n• Availing Home loan: 50% of Basic Sum Assured subject to a maximum of Rs. 50 lakhs","sources":[{"clause":"1","heading":"Benefits","page":25,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-1-3"},{"clause":null,"heading":"Do you have to pay additional Premium?","page":31,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-do-you-have-to-pay-additional-premium"}],"law":[]},{"key":"waiver_of_premium","label":"Waiver of premium","section":"Cover","meaning":"Whether future premiums stop on disability or critical illness.","status":"quote-verified","value":"Optional waiver benefits are available for Critical Illness and Total and Permanent Disability for additional premium. There is also Waiver of Premium on Husband’s Accidental Death, available for additional premium where premium payment term is other than Single Pay.","display":"Optional WOP on Critical Illness, WOP on Total and Permanent Disability, and WOP on Husband’s Accidental Death.","note":null,"quote":"Waiver of Premium on CI (WOP CI) Option>> If you have chosen this option, as the Policyholder, you will be required to pay an additional Premium in addition to the base plan Premium. We will waive all future Premiums payable under the base plan if the Life Assuredis diagnosed with any of the covered Critical Illnesses. ... Waiver of Premium on Total and Permanent Disability (WOP Disability) Option>> If you have chosen this option, as the Policyholder, you will be required to pay an additional Premium in addition to the base plan Premium. If the Life Assured suffers Total and Permanent Disability, all future Premiums due under the plan will be waived. ... On accidental death of the husband:\nIn addition to the death benefit as defined above, all future premiums payable under the policy shall be waived\nThis additional option can be chosen only at policy inception and will be available only where premium payment term is other than Single Pay.\nTo avail this option, additional premium shall be payable.","sources":[{"clause":null,"heading":"Can you opt in / opt out of this option?","page":29,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-can-you-opt-in-opt-out-of-this-option"},{"clause":null,"heading":"Can you opt in / opt out of this option?","page":29,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-can-you-opt-in-opt-out-of-this-option-2"},{"clause":null,"heading":"Can you opt in /opt out of this option?","page":29,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113#c-can-you-opt-in-opt-out-of-this-option-3"}],"law":[]},{"key":"medicals","label":"Medical tests","section":"Eligibility","meaning":"Whether medical tests are needed, and at what cover.","status":"not-stated","value":null,"display":null,"note":"The policy mentions applicable medical evidence and deduction of medical examination expenses on free-look cancellation, but does not state whether medical tests are required or the cover amount at which they are required.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"HDFC Life Click 2 Protect Supreme Plus - Appendix 9 - Policy Bond","pages":66,"fetched_at":"2026-10-17 19:43:05+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/policy-documents-pdf/protection-live/HDFC-Life-Click-2-Protect-Supreme-Plus-Appendix-9-Policy-Bond.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7113"},{"kind":"cis","label":"HDFC Life Click 2 Protect Supreme Plus Appendix 10 Customer Information Sheet","pages":3,"fetched_at":"2026-10-17 19:40:01+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/customer-information-sheet/protection-live/HDFC-Life-Click-2-Protect-Supreme-Plus-Appendix-10-Customer-Information-Sheet.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7023"},{"kind":"cis","label":"HDFC Life Click 2 Protect Supreme Plus Policy at a glance","pages":3,"fetched_at":"2026-10-17 19:46:39+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/key-feature-document/conventional-plans/HDFC-Life-Click-2-Protect-Supreme-Plus-Policy-at-a-glance.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7208"},{"kind":"cis","label":"HDFC Life Click 2 Protect Supreme Plus - POS KFD","pages":4,"fetched_at":"2026-10-17 19:46:45+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/key-feature-document/conventional-plans/HDFC-Life-Click-2-Protect-Supreme-Plus-POS-KFD.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03/document/7210"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"HDFC Life Insurance official website","url":"https://www.hdfclife.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.hdfclife.com/claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.hdfclife.com/customer-service/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"HDFC Life Click 2 Protect Supreme Plus Appendix 10 Customer Information Sheet (UIN 101N189V03), IndiaInsurances, https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-supreme-plus-appendix-10-customer-information-sheet-101n189v03"}