HDFC Life's Click 2 Protect Super is the term plan most advisors push when riders matter — and for good reason. It has the lowest customer-complaint ratio in the industry, a waiver of premium that triggers on both disability and critical illness, and a total permanent disability benefit most rivals do not offer. Here is the honest 2026 review of where it earns its premium and where to look elsewhere.
The verdict up front
Click 2 Protect Super sits in the top tier of Indian term plans for buyers who want a rich rider package backed by a clean claims record. HDFC Life logs roughly 2 complaints per 10,000 claims registered — one of the best in the industry — and the plan layers in protections (waiver of premium on disability OR critical illness, total permanent disability benefit) that most peers skip. The trade-off: it costs more than LIC for the same death cover, and the critical-illness waiting period is 90 days.
Features that matter
| Feature | HDFC Life Click 2 Protect Super |
|---|---|
| Death benefit | Lump sum / monthly income / mix |
| Waiver of Premium | Triggers on disability OR critical illness (broader than most) |
| Total Permanent Disability | Included — rare among rivals |
| Critical Illness rider | Available; 90-day waiting |
| Accidental Death rider | Available |
| Return of Premium variant | Available (higher premium) |
| Complaint ratio | ~2 per 10,000 claims (industry-leading) |
The two features that justify the premium
Waiver of Premium (WoP) on both triggers. Most plans waive future premiums only if you become disabled in an accident. Click 2 Protect Super also waives them on diagnosis of a covered critical illness — a far more likely event than catastrophic disability. This single difference makes the plan meaningfully more protective.
Total Permanent Disability (TPD) benefit. If you are permanently disabled, the plan can pay a lump sum or monthly income — distinct from the death benefit. This is genuinely rare; most competitors do not offer it on a term policy.
Who should buy it — and who shouldn't
Buy it if you want the most feature-rich term plan from a high-trust private insurer, and especially if you prioritise the WoP-on-CI + TPD combo. Salaried earners with dependants and limited disability-income protection benefit most.
Look elsewhere if rock-bottom premium is your only filter — LIC New Tech Term is materially cheaper for plain death cover. See the LIC New Tech Term review and the ICICI Pru iProtect Smart review for the two natural rivals, plus our guide to choosing a term plan and age-wise ₹1 crore premiums.
Quick versus
- vs ICICI Pru iProtect Smart: HDFC wins on complaint ratio (2 vs ~14 per 10,000), WoP scope (CI + disability vs disability only), TPD benefit (HDFC has it, ICICI does not), and CI waiting (90 vs 180 days). ICICI counters with a broader CI illness list and no survival period.
- vs LIC New Tech Term: HDFC adds CI rider, WoP, TPD, and more configurability — at a higher premium. LIC offers PSU trust and the cheapest base cover but skips most riders.
Before you buy
- Declare everything (smoking, medical, income) — undisclosed facts are the #1 reason term claims get contested.
- Compare cost-with-riders, not just base premium — riders are where Click 2 Protect Super earns its place.
- See the insurer's standing in the CSR ranking of all life insurers and full service on the HDFC Life hub.
Frequently asked questions
Is HDFC Life Click 2 Protect Super a good term plan?
Yes — it is one of the most feature-rich term plans in India: WoP on both disability and critical illness, total permanent disability benefit, comprehensive CI rider, and an industry-leading complaint ratio. The premium is higher than LIC but the rider stack is materially broader.
How is it different from ICICI Pru iProtect Smart?
HDFC Life leads on complaint ratio, WoP scope, TPD benefit and shorter CI waiting; ICICI Pru counters with a broader CI illness list and no survival period. For most buyers HDFC's rider depth + cleaner claims record edges it.
Should I pick this over LIC New Tech Term?
If rider depth and disability/CI protections matter, yes — LIC New Tech Term is barebones (no CI rider, no WoP). If you only want the cheapest base death cover backed by PSU trust, LIC wins on price + raw CSR.
What is the critical-illness waiting period?
90 days — the CI rider pays out only after the waiting period from policy start. Confirm the exact illness list in the brochure.
Does it include accidental death cover?
As a separate rider, yes. Accidental Death and CI riders are add-ons to the base term cover.
Sources: HDFC Life Click 2 Protect Super brochure; Beshak/Ditto/PolicyX plan comparisons; IRDAI complaint and claim-settlement disclosures; accessed May 2026. Rider scope, waiting periods and complaint figures change — verify on the insurer site before buying. Editorial research, not insurance advice.
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