7 replies on this article “HDFC Click2protect plan and Insurer planning for abroad”

1. Ashal Jauhari says:

   September 10, 2013 at 9:27 am

   Dear Sanket, if you are purchasing a term plan as a working professional as of now & later on take a break for study, you can continue the plan. At the time of purchasing your earning status is important, post purchase, insurer can not force you to pay prem. from your own earning.

   Thanks

   Ashal

   Reply
2. Ashal Jauhari says:

   September 10, 2013 at 9:26 am

   Dear Jwalant, I can not comment for HDFC but in my personal case (Aviva), my insurer has confirmed that once the policy is active, death is covered no matter it happens within India or outside.

   Thanks

   Ashal

   Reply
3. Sanket Z says:

   September 9, 2013 at 12:33 pm

   Thanks for the info Jwalant…Will really take this in written form …Also one more concern i had on this …whenever you go to abroad for study..then you will not be earning so will it work if my parents pay the premiums….i have spoken with the HDFC guys and they said you cant apply for this plan if you are a student…you should be a working professional and have salary slips to opt for this plan..my father cant buy it for me…can you please clear my doubts here on whether my parents can buy it or not….??

   I am really confused because there are many things which needs to be considered and i am not satisfied by the answers provided by the executives…This forum has really helped me in getting the ground level correct knowledge on every financial aspect.
   Thanks Jagoinvestor.

   Reply
4. Ashal Jauhari says:

   August 12, 2013 at 3:50 pm

   Dear Sanket, the most important thing was not discussed by you. if you are not in India, what documents are required to file claim? 🙂

   Just to assure you, once the term plan is issued you being a resident Indian & later on you move out, the plan ‘ll continue. I have checked this with my insurer (Aviva).

   thanks

   Ashal

   Reply
   1. Jwalant says:

      September 9, 2013 at 9:56 am

      Dear manish / ashal
      I talked hdfc customer care executive & she told me that there policy will cover for death in india.
      I think we have to take in written from companies while we planning for abroad or before purchase of policy.

      Reply
5. Manish Chauhan says:

   August 9, 2013 at 7:55 pm

   Generally you are required to inform if at the time of taking the policy, you are already having plans . like in immediate future, but its planned later after many months or years , then it will depend upon the company policy wordings .

   In anycase, your cover will still be there, so go ahead and buy it

   Reply
6. Sanket Z says:

   August 9, 2013 at 5:49 pm

   Hi..Just to add an update after i had a chat with HDFC Life executive and then on the Toll Free number ..i came to know that we have to inform the company that the insurer is travelling abroad…so as to have quick and smooth claim process…this was the reply i got when i called the toll free number 1800 266 9777

   The chat executive told me that we don’t have to inform the company about the abroad travel…this is really strange that the executives are not properly trained with all the policy details…

   I was concerned about the question because i may have to spend more than 10years in other country so dont want to end up in paying premiums for the term plan…but now the picture looks much clearer..

   Still wish to seek any advice from the Gurus here if they want to suggest anything on HDFC Click2protect…

   Regards
   Sanket

   Reply

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