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HDFC Life Click 2 Invest Plan

HDFC Life Click 2 Invest is an online Unit Linked Insurance Plan which helps in capital appreciation while at the same time provides life insurance coverage too. The plan offers premium payment flexibility wherein premiums can be paid at once, for a limited tenure or throughout the plan term. The plan is also easily available at it can be bought online by filling a Short Medical Questionnaire.

Key features of the plan

  • Allocated premiums can be invested in a choice of 8 available funds.
  • Flexibility is allowed under the plan through partial withdrawals and switching.
  • Premiums paid and benefits received are both tax-free.

How does the plan work?

Step 1 – the policyholder chooses the premium amount, the plan term, premium paying term and frequency.

Step 2 – Based on the insured’s age, premium paying term and premium amount, the Sum Assured is calculated.

Step 3 – the policyholder then chooses to invest the allocated premium in any of the available 8 funds. The funds are Equity Plus Fund, Diversified Equity Fund, Bluechip Fund, Opportunities Fund, Income Fund, Bond Fund, Conservative Fund and Balanced Fund.

Step 3 –the policyholder can make partial withdrawals, premium redirections or switch his investments if required.

Step 4 – in case of death during the plan term, the death benefit is paid.

Step 5 – if the insured survives the plan tenure, the maturity benefit is paid which is the Fund Value.


Ranu, aged 40 years, buys Click 2 Invest plan paying a premium of Rs.50, 000 for 10 years. The Sum Assured is Rs.5 lakhs and she chooses to pay the premium throughout the plan term.

Option 1 – If Ranu dies during the term, higher of the Fund Value or Sum Assured subject to a minimum of 105% of premiums paid till death is paid to the nominee.

Option 2 – If Ranu survives the plan tenure, the Fund Value is paid which can be taken in lump sum or in instalments.

Ranu can make partial withdrawals, switch between funds and also redirect future premiums to any other fund.

Plan benefits

  • Death benefit – if the insured dies during the term of the plan, higher of the Fund Value or Sum Assured is paid. However, the minimum death benefit is 105% of premiums paid till death.
  • Maturity Benefit – when the plan matures, the available Fund Value is paid to the policyholder who can avail the benefit in one lump sum or in 5 instalments over a 5-year period.
  • Partial withdrawals – the policyholder can make partial withdrawals after the first 5 years of the policy. First four withdrawals per year are free of charge.
  • Switching – the policyholder can change the choice of funds and reallocate the Fund Value among different funds through switching.
  • Premium redirection – If the policyholder wants, he can choose to redirect future premiums to another fund different from the one in which the premium is currently being allocated to.


  Minimum Maximum
Age at entry (in completed years) 30 days 65 years
Age at maturity (in completed years) 18 years 75 years
Term of the plan 5 years 20 years
Premium paying options Regular Pay, Limited Pay, Single Pay
Premium Paying term Regular pay – equal to plan term
Single pay – once
Limited pay – 5,7,10 years
Annual premium amount Single pay – Rs.24,000
Annually – Rs.12,000
Half-yearly – Rs.6,000
Quarterly – Rs.3000
Monthly – Rs.1000
No limit
Sum Assured Single Premium – 1.25 times the premium paid
Regular and Limited Premium:
If age is below 55 years – 10 times the annual premium
If age is 55 years and above – 7 times the annual premium

What is not covered in the policy?

In case of suicide committed within 12 months of inception or revival of the plan, the available Fund Value and any top-up premium Fund Value is paid.