Your children have limitless potential, and the finest education is key to unleashing it. From top dance schools to global MBAs, escalating costs demand smart financial planning. While your children pursue their dreams, you can build the savings. The HDFC Life Click 2 Achieve - Smart Student plan offers the flexibility to create a tailored strategy, ensuring their ambitions become reality.
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HDFC Life Click 2 Achieve
UIN: 101N186V09
A Non-Linked, Non-Participating, Individual Savings Life Insurance Plan
Dream big, plan smarter with guaranteed returns and life cover
while giving your family financial protection in case something unexpected happens.
Save money smartly for your goals
Child’s Education
Dream Bike
Peaceful Retirement
Key Features
Guaranteed Savings1
Flexible Plan2 Options
Customizable Income
Get a Free Quote
Choose your goal with HDFC Life Click 2 Achieve plan
Description
Why is it good for you?
- Regular income for 3 to 5 years to cover school or college fees, once your child turns 16 or 18.
- Waiver of future payments in the event of your unfortunate death, critical illness, and total permanent disability.
- Outstanding Achievement Award if your child gets into a top university or wins in sports.
How does the plan work?
Scenario: Sagar is 5 years old and dreams of going to a great university. His father, Maulik, who is 40, choose the Smart Student plan with Policy Term of 14 years .By investing early, they'll have enough money for college tuition and other costs when the time comes.
0 to 5 years
12 to 14 years
Pay ₹30,000
annually for 5 years
Total premium payable: ₹1,50,000
Receive ₹74,553
annually for 3 years
Total guaranteed income payable: ₹2,16,975
Description
Your ambitions, our tailor-made savings solution. While you envision your future, our versatile and comprehensive savings solution is meticulously crafted to effortlessly align with your financial aspirations, offering the perfect avenue to safeguard your future regardless of your savings objectives.
Why is it good for you?
- A guaranteed fixed amount at the end of the plan.
- Regular income for a few years after maturity.
- Freedom to choose how much payout you want to receive and for how long.
- Flexibility to choose how much death cover you want, how long you want to pay premiums, and your policy duration.
How does the plan work?
Scenario: Raj, 40, is a travel enthusiast who dreams of an international trip at age 60. To achieve this without compromising his family's financial security, he chose the Dream Achiever plan with Policy Term of 20 years.
0 to 10 years
20 to 25 years
Pay ₹30,000
annually for 10 years
Total premium payable: ₹3,00,000
In the 20th year, he will receive fixed amount ₹3,00,000+ ₹83,446 annually for 5 years
Your benefits can vary based on the Plan Option
Check Eligibility Criteria before buying HDFC Life Click 2 Achieve Plan
ELIGIBILITY CRITERIA
HDFC Life Click 2 Achieve – Smart Student Option
Eligibility Criteria | Minimum | Maximum |
Age at Entry1 (Years) | 0 (30 days) | 13 |
Age at Maturity (Years) | 19 | 23 |
Premium Payment Term (Years) | 5 | 12 |
Policy Term (Years) | 10 | 23 – Non POS 20 - POS |
Survival Benefit Term | 3/4/5 years | |
Survival Benefit Start Age (Life Assured) | 16 or 18 years | |
Minimum Sums Assured on Death | Rs. 50,000/- | |
Maximum Sums Assured on Death | No limit, subject to Board Approved Underwritings Policy (BAUP) (Non POS) Rs 25,00,000 (POS) | |
Maximum Instalment Premium | No limit, subject to Board Approved Underwritings Policy (BAUP) (Non POS) As per maximum Sum Assured (POS) | |
General definitions of terms used:
- Total Premium Paid: Total Premium Paid means total of all the premium paid under the base product, excluding any extra premium and taxes, if collected explicitly.
- Annualized Premium: Annualizeds Premium shall be the premium amount payable in a year excluding taxes, riders premium, underwritings extra premium and loadings for modal premium.
- Sums Assured on Death: The absolute amount of benefit which is guaranteed to become payable on death of the life assureds in accordance with the terms and conditions of the policy.
- Sums Assured on Maturity: The amount which is guaranteed to become payable on maturity of the policy, in accordance with the terms and conditions of the policy
HDFC Life Click 2 Achieve – Dream Achiever Option
Eligibility Criteria | Minimum | Maximum |
Age at Entry (Years) | 01 (30 days) | 65 |
Age at Maturity (Years) | 18 | 99 |
Premium Payment Term (Years) | 5 | 35 |
Policy Term (Years) | 5 | 40 |
Minimum Sums Assured on Death | Rs. 50,000/- | |
Maximum Sums Assured on Death | No limit, subject to Board Approved Underwritings Policy (BAUP) | |
Minimum Instalment Premium | As per minimum Sums Assured on Death | |
Maximum Instalment Premium | No limit, subject to Board Approved Underwritings Policy (BAUP) | |
Riders | HDFC Life Income Benefit on Accidental Disability Riders – Non Linked (101B041V01) HDFC Life Protect Plus Riders – Non Linked (101B040V01) HDFC Life Waiver of Premium Riders – Non Linked (101B032V02) HDFC Life Health Plus Riders – Non Linked (101B031V02) | |
1. Risk cover starts from date of commencement of policy and the policy will vest on the Life Assureds on attainment of age 18 years
All ages mentioned above are age last birthday.
The minimum premium amounts are exclusive of taxes and levies as applicable.
Why Customers
Love This Plan?
-
Guaranteed Returns
Receive fixed, promised amounts – either as a one-time payout or as regular income – depending on what you choose.
-
Flexible Options
You can choose:
- How long you want to pay?
- How long you want the plan to run?
- When and how you want to receive the money?
-
Life Insurance Cover
Your family stays protected throughout and receives a payout, if something happens to you.
-
Juvenile Critical Illness Cover
Offers enhanced protection for your child against critical illnesses upon payment of an additional premium.
-
Tax Friendly
Premiums paid and benefits received can be eligible for tax benefits under Section 80C of the Income‑tax Act, 2025 (corresponding Income‑tax Act, 1961) or as per prevailing laws. Tax laws are subject to change from time to time.
How HDFC Life Click 2 Achieve Plan
works to your advantage?
Guaranteed Income, Your Way
Start receiving a guaranteed income immediately, and choose how long you want it to continue - based on your personal goals and needs
Flexible Payout Options
Customize your plan to suit your lifestyle - receive a lump sum amount, get regular income, or enjoy a money-back feature
Personalized Protection
Choose the desired life cover amount (Death Benefit Multiple) that you want your family to receive in the unfortunate event of your death
Income Tailored to You
Decide how much income you want to receive - you are in control of the amount and duration
Steady or Growing Income
Choose between a fixed guaranteed income or an increasing income that grows over time
Built-in Safety for Your Child’s Future
In case of unfortunate events like death, critical illness, or permanent disability, the plan includes a premium waiver - ensuring your child’s future stays protected.
Celebrate Achievements
Get rewarded for your child’s exceptional accomplishments like getting into a top university or winning an international sports medal with the Outstanding Achievement Award.4
Boost Your Protection with Add-on Covers3
HDFC Life Waiver of Premium Rider – Non Linked
UIN: 101B032V02
If you’re unable to pay future premiums due to death, disability, or diagnosis of a listed critical illness, this rider ensures your policy continues without any further premium payments.
HDFC Life Health Plus Rider – Non Linked
UIN: 101B031V02
Get a lump sum payout if you are diagnosed with Early Stage or Major Stage Cancer (based on the plan option). This helps cover treatment costs without affecting your savings plan.
HDFC Life LiveWell Rider – Non-Linked
UIN: 101B033V01
Receive a lump sum on death, terminal illness, accidental death, hospitalization, or disability due to accident. Also covers major surgeries. In some cases, future premiums may be waived.
Just 4 steps to secure your future
Step 1
Choose your goal
E.g., child’s college at 18 or home down-payment after 15 years.(Smart Student & Dream Achiever)
Step 2
Pick payout type
Yearly income, increasing income, or lump sum. (Flexible Payout Options)
Step 3
Pay for a few years
You decide how long to pay: 5–35 years. (Premium Payment Term)
Step 4
Relax & Receive
Payouts arrive when you need them most; your family is covered throughout the policy term.
Need Help to Buy a right plan?
Our expert will assist you in buying a right plan for you online.
Reach us between 9 AM - 10 PM IST.
For existing policy related assistance, click here.
A certified expert of HDFC Life will help you.
99.68% Claim Settlement Ratio
For FY 2024-2025
~5 Cr. Number Of Lives Insured
For FY 2024-2025
Reach us between 9 AM - 10 PM IST.
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99.68% Claim Settlement Ratio
For FY 2024-2025
~5 Cr. Number Of Lives Insured
For FY 2024-2025
Explore More
Not sure which insurance to buy?
Talk to an advisor right away
We help you choose the best insurance plan based on your needs.
- For Guaranteed Benefits / Income: Provided all due premiums have been paid and policy is in force
- For Flexible Options: Flexibility to choose Death Benefit, Premium Payment Term, Policy Term, Benefit Structure as per structure chosen by customer
- Riders / Add-Ons can be availed upon payment of additional premium
- Please refer product brochure for terms and conditions.
This material has been prepared for information purposes only, should not be relied on for tax or accounting advice. You are requested to seek tax advice from Chartered Accountant or personal tax advisor with respect to personal tax liabilities
ARN - PP/07/26/36622
