{"uin":"101N193V01","name":"HDFC Life Click 2 Protect Elite Pro_UIN 101N193V01_Sample CIS","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01","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 Elite Pro is a term insurance plan with death benefit payable during the policy term. It has an optional return of premium benefit, terminal illness acceleration up to Rs 2 crore and free look period of 30 days.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:46:52.496347+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":"not-stated","value":null,"display":null,"note":"The documents describe options and benefits, but do not name separate plan variants inside the product.","quote":null,"sources":[],"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":"Minimum policy term is 10 years for 5 Pay Limited Pay and Regular Pay, 15 years for 10 Pay Limited Pay, and 20 years for 15 Pay Limited Pay. Maximum policy term is 85 less Age at Entry.","display":"Minimum: LP 5 Pay 10 years, LP 10 Pay 15 years, LP 15 Pay 20 years, RP 10 years; maximum 85 less Age at Entry","note":null,"quote":"Policy term | Minimum Policy Term (in years) | Maximum Policy Term (in years)\nFor LP 5- 10 Years For LP 10 – 15 Years For LP 15 – 20 Years For RP- 10 Years | 85 less Age at Entry","sources":[{"clause":null,"heading":"YOUR POLICY AT A GLANCE","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7195#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":"The claim is required to be intimated within 90 days from the date of death. Delay may be condoned where the claim is genuine and delay is for reasons beyond the claimant's control.","display":"Within 90 days from the date of death; delay may be condoned for genuine claims beyond claimant control","note":null,"quote":"The claim is required to b be intimated to us within a period of 90 days from the date e of death. However, we may condon ne the delay in claim intimation, if any, where the claim is s genuine and the delay is proved to be for r reasons beyond the control of the claimant.","sources":[{"clause":"2(i)","heading":"Death Benefit","page":23,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#c-2-i-2"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"After one policy year and while the policy is in force, an accelerated instant death benefit of INR 5 Lacs is paid within 1 working day from claim registration date on death claim intimation with required documents. The remaining sum assured is payable after claim investigation.","display":"INR 5 Lacs within 1 working day from claim registration date; balance after claim investigation","note":"The accelerated payout applies post completion of waiting period of 1 Policy Year, from the Risk Commencement Date or Revival of the Policy and provided the Policy is in force.","quote":"an accelerated instant Death Benefit of INR 5 Lacs will l be paid within 1 (one) working day from the claim re gistration date as gesture to provide interim support. The remaining sum assured shall be payab ble post the completion of the claim investigation.","sources":[{"clause":"2(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#c-2-i"}],"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 2 months from the Risk Commencement Dateunder the P olicy or from the date of revival of the Policy"],"display":"Suicide within 12 months from risk commencement or revival: at least 80% of Total Premiums Paid or Surrender Value, whichever is higher, if policy is in force","note":"The policy also says exclusions related to optional benefits should be referred to in the policy document.","quote":"In case of death due to suicide within 12 2 months from the Risk Commencement Dateunder the P olicy or from the date of revival of the Policy, as applicab ble, the Nominee or beneficiary of the Policyholder shall l be entitled to at least 80% of the Total Premiums Paid till l the date of death or the Surrender Value available as on the date of death whichever is higher, provided the Policy i is in force.","sources":[{"clause":"1(i)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#c-1-i-2"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Minimum Sum Assured is INR 2,00,00,000. There is no maximum limit, but acceptance is subject to Board Approved Underwriting Policy.","display":"Minimum INR 2,00,00,000; no maximum limit, subject to BAUP","note":null,"quote":"Sum Assured (Min) | INR 2,00,00,000\nSum Assured (Max) | There is no maximum limit. However, the acceptance of any case is subject to Board Approved Underwriting Policy (BAUP).","sources":[{"clause":null,"heading":"YOUR POLICY AT A GLANCE","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7195#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":"Death Benefit is payable as a lump sum if the Life Assured dies during the Policy Term. It is the higher of Sum Assured on Death or 105% of Total Premiums Paid, where Sum Assured on Death is the highest of 10 times Annualized Premium, Basic Sum Assured, or Sum Assured on Maturity.","display":"Lump sum: higher of Sum Assured on Death or 105% of Total Premiums Paid; Sum Assured on Death is highest of 10 times Annualized Premium, Basic Sum Assured or Sum Assured on Maturity","note":null,"quote":"This benefit is payable as a lump sum if th he Life Assured dies during the Policy Term. It is the high her of either:\n• Sum Assured on Death ; or\n• 105% of Total Premiums Paid\nWhere, Sum Assured on Death is the high hest of:\n• 10 times the Annualized Premium; or\n• Basic Sum Assured; or\n• Sum Assured on Maturity","sources":[{"clause":"1","heading":"Benefits","page":12,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#c-1-4"}],"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 Return of Premium benefit option is chosen, Sum Assured on Maturity is payable and equals 100% of Total Premiums Paid if the Life Assured is alive at maturity. Otherwise maturity benefit is not applicable.","display":"ROP chosen: 100% of Total Premiums Paid at maturity; otherwise not applicable","note":null,"quote":"<<Since you have chosen the ROP benef fit option, Sum Assured on Maturity will be payable, whi ich will be equal to 100% of the Total Premiums Pai id, if the Life Assured is alive when the Policy matures.>> ><<OR>>\n<<Maturity benefit is not applicable unde er this Policy.>>","sources":[{"clause":null,"heading":"Maturity Benefit","page":12,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#c-maturity-benefit"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premium Paying Term options are Limited Pay - 5 Pay, 10 Pay and 15 Pay, and Regular Pay.","display":"Limited Pay – 5 Pay, 10 Pay and 15 Pay; Regular Pay","note":null,"quote":"Premium Paying | Limited Pay – 5 Pay, 10 Pay and 15 Pay ; Regular Pay\nTerm","sources":[{"clause":null,"heading":"YOUR POLICY AT A GLANCE","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7195#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 maximum maturity age is 85 years, because maximum policy term is 85 less Age at Entry.","display":"85 years","note":null,"quote":"Policy term | Minimum Policy Term (in years) | Maximum Policy Term (in years)\nFor LP 5- 10 Years For LP 10 – 15 Years For LP 15 – 20 Years For RP- 10 Years | 85 less Age at Entry","sources":[{"clause":null,"heading":"YOUR POLICY AT A GLANCE","page":1,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7195#c-your-policy-at-a-glance"}],"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":"In case of death 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 date of death, whichever is higher, provided the policy is in force.","display":"Within 12 months: at least 80% of Total Premiums Paid or Surrender Value, whichever is higher, if policy is in force","note":null,"quote":"In case of death due to suicide within 12 2 months from the Risk Commencement Dateunder the P olicy or from the date of revival of the Policy, as applicab ble, the Nominee or beneficiary of the Policyholder shall l be entitled to at least 80% of the Total Premiums Paid till l the date of death or the Surrender Value available as on the date of death whichever is higher, provided the Policy i is in force.","sources":[{"clause":"1(i)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#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":"For ROP, GSV is acquired immediately on premium payment for SP and after premiums for at least 2 years for LP/RP, and surrender value is the higher of GSV and SSV. For non-ROP, policy cancellation value is acquired immediately on premium payment for SP and after premiums for at least 2 full years for LP; otherwise the policy lapses on premium discontinuance without any value. PCV factor is 30% during PPT or if all premiums have not been paid, and 50% post-PPT if all premiums have been paid.","display":"ROP: higher of GSV and SSV; GSV acquired immediately for SP and after 2 years of premiums for LP/RP. Non-ROP: PCV acquired immediately for SP and after 2 full years of premiums for LP; PCV factor 30% during PPT/unpaid premiums, 50% post-PPT if all premiums paid.","note":"Policy at a glance says for non-ROP: 'Your surrender Value (Policy Cancellation Value) gets acquired upon payment of premiums for at least 1 full year after completion of first policy year.' The policy wording prevails and says at least 2 full years in case of LP.","quote":"Your Guaranteed Surrender Value (GSV) ) gets acquired immediately upon payment of Premium in n 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 o of Guaranteed Surrender Value (GSV) and Special Surren nder Value (SSV) ... Your policy cancellation value gets acqui ired immediately upon payment of premium in case of SP P and upon payment of premiums for at least 2 full ye ears in case of LP. In all other cases, the Policy lapses on Premium discontinuance without any value. ... During PPT or if all due Premiums have not been paid | 30%\nPost PPT if all due Premiums have been paid | 50%","sources":[{"clause":"1","heading":"Benefits payable on Surrender","page":19,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#c-1-5"},{"clause":"1(ii)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#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-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7195#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 LP/RP and premiums are paid for at least 1 full year after completion of first policy year. If it has paid-up value and premiums stop, death benefit is the highest of Sum Assured on Death multiplied by Total Premiums Paid divided by Total Premiums Payable, or 105% of Total Premiums Paid; maturity benefit where applicable is reduced in the same premium-paid ratio.","display":"Paid-up only with ROP under LP/RP after at least 1 full year and first policy year; reduced death benefit is highest of pro-rated Sum Assured on Death or 105% of Total Premiums Paid","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 1 full year and after completion of first policy year\nIn all other cases, if you discontinue payin ng premiums, your Policy lapses without any paid-up valu ue. ... Death benefit shall be the highest of:\n• Sum Assured on Death × (Total Prem miums Paid ÷ Total Premiums Payable)\n• 105% of Total Premiums Paid\n... Maturity Benefit (where applicable) shall l be calculated as:\nSum Assured on Maturity × (Total Premi ums Paid ÷ Total Premiums Payable)","sources":[{"clause":"2","heading":"Lapse When will your policy acquire a paid-u","page":20,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#c-2-4"},{"clause":null,"heading":"What happens if the Policy has acquire","page":20,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#c-what-happens-if-the-policy-has-acquire"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 loans","note":null,"quote":"You cannot avail any loans under this Pol licy.","sources":[{"clause":null,"heading":"Can you avail a loan under this Policy?","page":20,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#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 the documents do not name riders available with this 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 issuance, commencement of risk, revival or rider date, whichever is later. Within 3 years, it may be called in question on the ground of fraud, or for material misstatement or suppression; if repudiation is on misstatement and not fraud, premium collected till repudiation is paid within 90 days.","display":"After 3 years, not called in question on any ground. Within 3 years, fraud or material misstatement/suppression may be raised; non-fraud repudiation refunds premium within 90 days.","note":null,"quote":"No Policy of Life Insurance shall be calle ed in question on any ground whatsoever after expiry of 3 years 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 I Insurance may be called in question within 3 years from ... Life insurance Policy can be called in que estion within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of th he insured was incorrectly made ... In case repudiation is on ground of mis-st tatement and not on fraud, the Premium collected on Poli icy till the date of repudiation shall be paid to the insured or r legal representative or Nominee or Assignees of insured d, within a period of 90 days from the date of repudiation.","sources":[{"clause":"1","heading":"No Policy of Life Insurance shall be calle","page":37,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#c-1-11"},{"clause":"2","heading":"On the ground of fraud, a Policy of Life I","page":37,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#c-2-8"},{"clause":"6","heading":"Life insurance Policy can be called in que","page":37,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#c-6-6"},{"clause":"7","heading":"In case repudiation is on ground of mis-st","page":37,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#c-7-5"}],"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":"Tax benefits may be available as per prevailing tax laws, and the document asks the policyholder to consult a tax advisor.","display":"Tax Benefits may be available as per prevailing tax laws; consult your tax advisor","note":null,"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-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7195#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":"Refund is subject to deduction of proportionate risk premium for the period on cover, medical examination expenses if any and stamp duty charges.","quote":"you have the option of returning the Policy to us stat ting 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":21,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#c-7-2"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":"The policy states it cannot be taken for a minor, but the documents do not state the full youngest and oldest entry-age range.","quote":null,"sources":[],"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","halfyearly","quarterly","monthly"],"display":"yearly, halfyearly, quarterly or monthly","note":null,"quote":"The Premium can be paid o on yearly, halfyearly, quarterly or monthly mode as per the chosen frequency and as set out in the Policy Schedul le or as amended subsequently.","sources":[{"clause":"4(ii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#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":["Regular Premium","Limited Premium"],"display":"Regular or Limited Premium","note":null,"quote":"Premium under the Policy can be paid as Regular or Limited Premium.","sources":[{"clause":"4(ii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#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":"Yes. If the Return of Premium option is chosen at policy inception, the policyholder pays an additional premium and receives 100% of Total Premiums Paid as lump sum on survival till maturity.","display":"Yes, optional at additional premium; 100% of Total Premiums Paid on survival till maturity","note":"This option can be chosen only at policy inception and cannot be opted out once chosen.","quote":"<<Return of Premium (ROP) Option>> > Since you have chosen this option, as the Policyholder, you will have to pay an additional Premium m over and above the Premium amount payable for the bas se plan. You will receive a return of 100% of the Total P Premiums Paid as lump sum, upon your survival till maturit ty of your Policy.","sources":[{"clause":"2","heading":"Optional Benefits","page":12,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#c-2-3"}],"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 Death benefit as Instalment Option is chosen, the nominee receives full or part of the death benefit in instalments over 5 to 15 years, paid yearly, half-yearly, quarterly or monthly.","display":"Lump sum; or full/part death benefit in instalments over 5 to 15 years, yearly/half-yearly/quarterly/monthly","note":"Death benefit as instalment can be chosen at policy inception by the Policyholder or at claim by the Nominee.","quote":"This benefit is payable as a lump sum if th he Life Assured dies during the Policy Term. ... If you have chosen this option, the Nomin nee will receive full or part of the Death Benefit in instalm ments. ... The instalment can be taken over a p period of 5 to 15 years. ... The instalment will be paid in advance at the frequency specified by the Policyholder or theirNomi inee, which can be yearly, half-yearly, quarterly, or mon nthly.","sources":[{"clause":"1","heading":"Benefits","page":12,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#c-1-4"},{"clause":null,"heading":"Can you opt in / opt out of this option?","page":13,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#c-can-you-opt-in-opt-out-of-this-option-2"},{"clause":null,"heading":"What are the conditions of this option?","page":14,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#c-what-are-the-conditions-of-this-option"},{"clause":null,"heading":"How will the instalments be paid?","page":14,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#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":"Sum Assured on Death is accelerated if the Life Assured is age 80 years or below and is diagnosed with Terminal Illness. The maximum accelerated amount is Rs 2 crore, it is not an additional benefit, and it is not applicable above age 80.","display":"Accelerated Sum Assured on Death up to Rs 2 crore for Terminal Illness at age 80 or below; not additional benefit","note":null,"quote":"Sum Assured on Death will be acceler ated in case the Life Assured is of 80 years of age o r below and is diagnosed of Terminal Illness. However, the maximum amount of Sum Assured on Death that can n be accelerated under this benefit is Rs 2 crore. ... The Terminal Illness Benefit is not applicable to a Life Assured who is above e 80 years of age.\nPlease note that acceleration of Death Be enefit is not an additional benefit","sources":[{"clause":"1","heading":"Benefits","page":12,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#c-1-4"}],"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 Stage Option allows the policyholder to increase Sum Assured without underwriting on 1st Marriage, Birth of 1st child, Birth of 2nd child or Availing Home loan. The increases are 50% of Basic Sum Assured capped at Rs. 50 lakhs for marriage and home loan, and 25% capped at Rs. 25 lakhs for each child; maximum total increase is Rs. 1.5 Crore.","display":"Life Stage Option: marriage +50% up to Rs. 50 lakhs; 1st child +25% up to Rs. 25 lakhs; 2nd child +25% up to Rs. 25 lakhs; home loan +50% up to Rs. 50 lakhs; total cap Rs. 1.5 Crore","note":"Available only if chosen at policy inception; additional premium is charged. It is available where the Life Assured is less than 45 years at the event and subject to BAUP.","quote":"If you have chosen this option, as the e Policyholder, you may opt to increase the Sum A Assured without underwriting on any of the below specifie ed events in Life Assured’s life:\n• 1stMarriage: 50% of Basic Sum Assu ured subject to a maximum of Rs. 50 lakhs\n• Birth of 1st child: 25% of Basic Sum m Assured subject to a maximum of Rs. 25 lakhs\n• Birth of 2nd child: 25% of Basic Sum m Assured subject to a maximum of Rs. 25 lakhs\n• Availing Home loan: 50% of Ba asic Sum Assured subject to a maximum of Rs. 50 lakhs ... Maximum increase in Sum Assured allowed under this option is capped at Rs. 1.5 Crore.","sources":[{"clause":null,"heading":"Do you have to pay additional Premium","page":14,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#c-do-you-have-to-pay-additional-premium"},{"clause":null,"heading":"When will this option be available?","page":14,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#c-when-will-this-option-be-available"}],"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":"Under the Spouse Cover Option, on the Life Assured's death, future premiums if payable under the policy are waived off and the spouse receives a death benefit for the remainder of the policy term. The documents do not state a base waiver on disability or critical illness.","display":"Only under Spouse Cover Option on Life Assured’s death: future premiums waived off","note":"Spouse Cover Option is chosen at policy inception and requires an additional premium.","quote":"Upon the Life Assured’s death,the following benefits shall be applicable e:\n• For the remainder of the Policy Term m, the Spouse will receive a Death Benefit equal to a predetermined proportion of the Life Assured’s Basic Sum Assured. This proportion is subject to the BAUP w with a maximum cap of 50%.\n• Any future Premiums, if payable under this Policy, shall be waived off.","sources":[{"clause":null,"heading":"Can you opt in / opt out of this option?","page":12,"url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103#c-can-you-opt-in-opt-out-of-this-option"}],"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 documents mention medical examination expenses and medical evidence, but do not state whether medical tests are needed or the cover level at which they are required.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"HDFC Life Click 2 Protect Elite Pro- Sample Policy Bond UIN 101N193V01","pages":37,"fetched_at":"2026-10-17 19:42:49+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/policy-documents-pdf/protection-live/HDFC-Life-Click-2-Protect-Elite-Pro-Sample-Policy-Bond-UIN-101N193V01.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7103"},{"kind":"cis","label":"HDFC Life Click 2 Protect Elite Pro_UIN 101N193V01_Sample CIS","pages":3,"fetched_at":"2026-10-17 19:39:51+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/customer-information-sheet/protection-live/HDFC-Life-Click-2-Protect-Elite-Pro-UIN-101N193V01-Sample-CIS.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7018"},{"kind":"cis","label":"HDFC Life Click 2 Protect Elite Pro- Sample Policy at a glance UIN 101N193V01","pages":2,"fetched_at":"2026-10-17 19:46:03+00","source_url":"https://www.hdfclife.com/content/dam/hdfclifeinsurancecompany/customer-services/key-feature-document/conventional-plans/HDFC-Life-Click-2-Protect-Elite-Pro-Sample-Policy-at-glance-UIN-101N193V01.pdf","url":"https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01/document/7195"}],"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 Elite Pro_UIN 101N193V01_Sample CIS (UIN 101N193V01), IndiaInsurances, https://indiainsurances.com/policy/hdfc-life-insurance/hdfc-life-click-2-protect-elite-pro-uin-101n193v01-sample-cis-101n193v01"}