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Thread: Online Term Insurance "HDFC Click 2 Protect" - Do I need to undergo medical test?

  1. #1
    PolicyWala Newbie
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    Default Online Term Insurance "HDFC Click 2 Protect" - Do I need to undergo medical test?

    I am looking to buy an Online Term Insurance "HDFC Click 2 Protect" with 50 Lakhs Sum Assured. Before buying the policy, I spoke to HDFC Customer Care executive and he told me that I need to under go medical test. But I have not gone through any Medical test and policy has been issued. As I am not suffering from any disease as of now I had not mentioned any medical problem while buying policy.

    Will not having medical test have any impact while taking the claim of death due to any medical reason?



  2. #2
    Moderator Matrix's Avatar
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    No info about medical tests on the HDFC - Click 2 Protect Brochure. It's underwriting policy of the company, check with local HDFC Life Office.

  3. #3
    NewBie
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    Default Re: Online Term Insurance "HDFC Click 2 Protect" - Do I need to undergo medical test?

    Dear sir/madam,

    We have noted your query and will respond to you shortly.

    Regards
    HDFC Life

  4. #4
    NewBie
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    Dear sir/madam,

    Claim processing would be based on the disclosures made at the proposal stage

    Regards
    HDFC Life

  5. #5
    PW Stalwart Manish_Kumar's Avatar
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    Quote Originally Posted by HDFCLife View Post
    Dear sir/madam,

    Claim processing would be based on the disclosures made at the proposal stage

    Regards
    HDFC Life
    Please answer the main query - "Online Term Insurance "HDFC Click 2 Protect" - Do I need to undergo medical test?"
    Everyone has a scheme of getting rich.. Which never works.

  6. #6
    Banned
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    Manish any online policy has only once problem it may be the cheapest but it 60 out of a 100 times does not give claims settlement!! check Aegons track record which does 30% of all online policy issuance in India .but has a very bad claim settlement. always provide a medical or declare medical conditions on your policies so that there are no issues when it comes to claim settlement.

  7. #7
    NewBie
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    Dear Sir/Madam,

    Please respond with your contact number to assist you with clarification about click to protect on XXXXXXXXXX at XXXXX dot com

    Regards
    HDFC Life

    --- Updated ---


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