Click 2 Protect Supreme Plus

What this product is

A flexible term plan with three variants (Life, Life Plus, Life Goal) offering optional return of premium, accidental death cover, and family-friendly payout structures.

You might need this if…

• You might need this if you want pure high-value life cover at a low cost for family income replacement.
• You might need this if you want to add accidental death cover, or have your family's payout delivered as regular income instead of a lump sum (via the Parent Secure or Education Income Benefit features).
• You might need this if you want all your premiums back at the end of the term when you outlive it (optional Return of Premium).
• You might need this if you anticipate life changes like marriage, a home loan, or a new child, and want to increase your cover later without a fresh medical check (Life Stage Option).
• You might need this if you want the option to pause premiums temporarily during a financial crunch without losing coverage.

How it actually works

• Entry age 18-84 (the Life Goal option caps at 65); pay Regular, Limited (2-25 years), or Single Pay.
• Minimum sum assured is ₹10,000-50,000 depending on the plan option chosen; there's no cap for entry ages up to 65.
• Death benefit is the higher of the sum assured or 105% of premiums paid, targeted to be paid within one working day of claim registration (after a 1-year waiting period).
• Terminal illness benefit accelerates up to ₹2 crore of the death benefit if diagnosed within 6 months of a terminal condition (available until age 80).
• Riders available include Income Benefit on Accidental Disability, Health Plus (critical illness), and LiveWell (multi-benefit).
• Female policyholders get a 15% premium discount; high sum assured (₹10 crore+) and existing-customer/spouse discounts also apply.

Worked example

Worth knowing before you decide

• Suicide within 12 months of starting or reviving the policy limits the payout to 80% of premiums paid or the surrender value, whichever is higher.
• Without the Return of Premium option, there's no payout at all if you survive the full term.
• Pre-existing diseases are only covered after 36-48 months, and a lapsed policy must be revived within 5 years (at 9% p.a. interest) or cover lapses permanently.
• Claims from war, hazardous sports, or non-scheduled aviation are excluded.

Official source

⌟ Official product brochure

Learn about this category

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