Click2Protect Riders Explained – Which Add-Ons Matter in 2025?
Click2Protect Riders Explained – Which Add-Ons Matter in 2025?
HDFC Life’s Click2Protect term plan is one of India’s most popular online policies. But the real power of this plan lies in its customizable riders — add-ons that can transform basic life cover into a well-rounded protection package.
So which riders are truly worth it in 2025? And how do they affect your premiums?
Let’s break it down rider-by-rider.
Quick Summary: Popular Click2Protect Riders
| Rider Name | Key Benefit |
|---|---|
| Accidental Death Benefit | Additional payout if death occurs due to accident |
| Critical Illness Benefit | Lump sum payout on diagnosis of 40+ critical illnesses |
| Income Benefit Rider | Monthly income for 10 years to family after death |
| Waiver of Premium | Future premiums waived on disability or illness |
What Are Riders in Term Plans?
Riders are optional add-ons to your base term plan that offer extra benefits in specific situations — like accidents, critical illness, or disability.
Think of them as safety nets that kick in when life takes unexpected turns.
Key Riders in HDFC Click2Protect
1. Accidental Death Benefit Rider
- Gives your nominee extra payout (₹50L–₹2Cr) if your death is accident-related
- Premium impact: ~₹150–₹250/month
2. Critical Illness Rider
- Covers major diseases like cancer, heart attack, kidney failure
- Fixed lump sum is paid upon diagnosis
- Waiting period: 90 days; survival period: 14 days
3. Income Benefit on Accidental Death
- Apart from lump sum, nominee receives monthly income for 10 years
- Ideal for families with EMI or school expenses
4. Waiver of Premium on Critical Illness
- If you’re diagnosed with a critical illness or permanent disability, all future premiums are waived, but policy continues
- Peace of mind during financial strain
Pros and Cons of Riders
Pros:
- Affordable way to enhance your coverage
- Gives more situations coverage than basic death
- Helps keep plan active even during crisis (via waiver rider)
Cons:
- Premiums increase with each rider
- Critical illness riders have strict definitions and exclusions
- May overlap with separate health or accident insurance
Rider Cost Comparison (2025 Estimate)
| Rider | Approx Annual Premium | Typical Payout |
|---|---|---|
| Accidental Death | ₹2,000–₹4,500 | ₹25L–₹2Cr |
| Critical Illness | ₹3,500–₹8,000 | ₹10L–₹50L |
| Income Benefit | ₹1,500–₹3,000 | ₹25,000/month for 10 years |
Real-Life Scenario
Neeraj (age 35) opted for a ₹1 Cr term plan with ₹50L critical illness rider. At age 42, he was diagnosed with early-stage colon cancer.
His base plan stayed active
He received ₹50L lump sum for treatment and recovery
And his future premiums were waived off
Common Mistakes to Avoid
- Taking accidental rider only — skipping CI cover
- Not understanding waiting periods or exclusions
- Choosing very high CI sum assured without affordability
- Relying solely on the waiver — without emergency fund
Final Word
Click2Protect riders are more than just add-ons — they’re smart protection boosters. If you want your term plan to cover serious health issues or family income after death, these riders are essential.
🔗 Check Your Ideal Plan + Riders Now »
