Get Life cover + disability = 4.4 crores + return of all premiums + medical benefits up to 63k per year throughout the policy term. But how? See illustration here:

 

Discover how you can secure a combined life and disability cover of 4.4 crores. This plan includes a full return of all premiums plus annual medical benefits of up to 63k throughout the entire policy term. Learn more about how to access these benefits here:
Policy details:
Name of the plan	HDFC Life Click 2 Protect Supreme Plus
Name of the rider (It is optional)	Income benefit on the accidental disability rider
Age of the policyholder	37 years
Policy term	33 years
Premium Payment term	33 years
Annual premium: Note: No GST (Goods and Services Tax) is applicable here.
Base premium	Rs. 96,489
Rider premium (It is optional)	Rs   5,600
Total annual premium	Rs. 1,12,810
First discounted premium	Rs. 1,02,089

Policy benefits:

1. Life Cover: Rs. 02 crores It is applicable since the beginning of the policy.

2. Rider Cover:  @ Rs. 2 lakh per month regularly for 10 years. = Rs. 2.4 crores. In case of Total Permanent Disability (TPD) due to an accident, the policyholder will get the above benefit. This benefit will be continued for 10 years irrespective of the policy term. If the policyholder dies during this rider benefit, the nominee of the policyholder will get the benefits till the completion of 10 years of the rider's benefit term of the rider, irrespective of the policy term.

3. Return of all premiums at maturity: Total Rs. 35,27,209

4. Health Management Services (In-built)  rider - free of cost: may benefit up to Rs. 63K per annum throughout the policy term.

The details of the benefits to be availed  under Health Management Services (in-built rider) - free of cost - there is no extra premium for these benefits:

HDFC Life Rewards app provides Click 2 Protect Supreme Plus policyholders with Health Management and Well-Being Services for the entire term. These services, valued at ₹63,000 annually, support health maintenance and recovery. Diagnostics and Wellness: Wellness Check-ups: Annual vouchers for health screenings and preventive detection. Oncology Screening: Dedicated cancer detection vouchers. Vaccination Support: Funds for WHO-approved immunizations. Medical Savings: Network discounts on pharmacy and diagnostics. Consultations and Guidance: Tele-health: Remote digital consultations with doctors. Outpatient Coverage: Included OPD consultations at empanelled centers. Specialized Advice: Expert insights for dental and diagnostic procedures. Global Second Opinions: Access to specialists to validate diagnoses. Holistic Support and Recovery: Dietary Coaching: Guidance from nutritionists for wellness. Mental Health: Professional counseling, including one year of grief support for nominees. Physical Rehabilitation: Physiotherapy and vitals monitoring for recovery. Health Concierge: Ambulance coordination and medication delivery services. Summary of wellness benefits and usage instructions: 1. Prevention and Detection Annual Screenings: Yearly full health check-up vouchers. Cancer Diagnosis: Early detection screening vouchers. Digital Risk Assessment: Personalized scores via Health Risk Assessment (HRA). Vaccination Allowance: Covered WHO-approved immunizations. 2. Expert Consultations Virtual Care: Unlimited practitioner consultations for non-urgent care. Dietary Support: Specialized nutritionist meal planning. Clinical Second Opinions: Confirmation of critical diagnoses. 3. Emotional Wellness Grief Counseling: 12 months of psychological support for nominees. 4. Cost Reduction Network Privileges: Reduced rates for services: Prescription/Diagnostic Savings: Discounts on medicine and tests. Consultation Savings: Lower fees for medical/dental visits.

Important Information & Legal Disclaimer: The information presented here is a summary created using AI-assisted tools and public open-source data. While we strive for high data accuracy, the author is not liable for any discrepancies, errors, or results stemming from the use of this content. For official and precise terms, always consult the company's website or your personal policy documents. About the Author: Arvind Kumar, the author of this material, is a qualified HDFC Life Insurance Life Advisor. He is a certified professional who passed the Insurance Institute of India's IC-38 exam. Arvind earned a Master's degree in Mathematics approximately 42 years ago and served the Government of India as an officer for 40 years.  Get in Touch: Life insurance requirements are unique to every individual, so Arvind Kumar offers tailored advice to meet your specific needs. To schedule a consultation, you may contact him via WhatsApp or phone at 9899423601. You can also reach him by email at apcsitbranju@gmail.com or find more insurance information on his YouTube channel: https://youtube.com/@Arvind-NCR.