HDFC Life Click2Protect Supreme Plus vs Bajaj Life eTouch II
Side by side on the figures that decide a claim — and which one we would actually pick.
We score HDFC Life Click2Protect Supreme Plus higher at 4.4/5 against 4.2/5, winning 4 of the 7 comparable measures. eTouch II is the cheaper of the two on the illustrated profiles.
Side by side
| Measure | HDFC Life Click2Protect Supreme Plus | Bajaj Life eTouch II |
|---|---|---|
| Myinsurancebro Score | 4.4 / 5 | 4.2 / 5 |
| Claim settlement ratio 3-year average, individual death claims | 99.66% | 99.32% |
| Complaints per 10,000 claims Lower is better — this is how often customers escalate | 1 | 2.77 |
| Solvency ratio IRDAI requires a minimum of 1.5x | 1.86× | 3.52× |
| Annual new business | ₹33,031 Cr | ₹12,791 Cr |
| Cover available | ₹25 L – no maximum limit (subject to underwriting) | ₹25 L – ₹10 Cr |
| Entry age | 18–65 yrs | 18–65 yrs |
| Critical illness cover | Rider — 60 illnesses, 15 yrs | Rider |
| Premium break / holiday | Yes | Yes |
| Life stage cover boost | Yes | No |
| Exit with premiums back | Yes | Yes |
| Premium — 30, Male | ₹25,153 | ₹20,132 |
| Premium — 30, Female | ₹21,380 | ₹16,234 |
Click2Protect Supreme Plus
If servicing quality is what keeps you up at night, this is the plan. One complaint per 10,000 claims is an extraordinary number and it reflects a claims process that mostly just works. The catch is price — you are paying a real premium over Bajaj or ICICI for that reliability. For a young buyer on a tight budget we would usually point elsewhere; for a family where the payout has to be certain, the extra cost is defensible.
Against it
- Consistently the most expensive of the five — roughly 20% above Bajaj at age 30
- Return-of-premium variant carries a steep loading
- Rider stacking pushes the premium up quickly
- Document requests during underwriting can involve some back-and-forth
eTouch II
If budget is the binding constraint, start here. You get the strongest solvency in the industry, a settlement ratio inside the top five, and a premium that undercuts HDFC Life by roughly 20%. What you give up is feature depth — there is no life stage boost, and the rider menu is short. For a 25-year-old buying a first cover, that trade is usually worth making.
Against it
- The thinnest built-in feature set of the five
- No life stage boost — you cannot raise cover without fresh underwriting
- Smaller on-ground presence outside metros
- Lower brand recall, which matters if your family will handle the claim
Which one we would pick
HDFC Life Click2Protect Supreme Plus, on balance — 4.4/5 against 4.2/5. Where Click2Protect Supreme Plus is ahead: myinsurancebro score, claim settlement ratio, complaints per 10,000 claims, annual new business. Where eTouch II is ahead: solvency ratio, premium — 30, male, premium — 30, female.
A score ranks plans on the evidence available; it cannot know your health history, your dependants or which exclusion will matter to you in ten years. Where the two are close, the deciding factor is usually the text rows above — room rent, waiting periods, exclusions — read against your own circumstances.
Scores are plan features 45%, insurer strength 45%, premium 10% — how we score plans.
Frequently asked questions
Which is better, HDFC Life Click2Protect Supreme Plus or Bajaj Life eTouch II?
We score HDFC Life Click2Protect Supreme Plus higher at 4.4/5 against 4.2/5. If servicing quality is what keeps you up at night, this is the plan. One complaint per 10,000 claims is an extraordinary number and it reflects a claims process that mostly just works. The catch is price — you are paying a real premium over Bajaj or ICICI for that reliability. For a young buyer on a tight budget we would usually point elsewhere; for a family where the payout has to be certain, the extra cost is defensible.
Which of the two settles more claims?
HDFC Life — 99.66% against 99.32%. Read it beside complaint volume: HDFC Life draws 1 complaint per 10,000 claims and Bajaj Life 2.77 complaints.
Which is cheaper?
Bajaj Life eTouch II, on the illustrated profiles in the table above. Premiums are illustrations for a stated profile, not quotes — your own depends on age, health, city and underwriting.
Read the full reviews
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Disclaimer: Figures shown here are compiled from IRDAI annual reports and public grievance disclosures, and from insurer public disclosures and policy wordings. Claim settlement ratios and complaint volumes are three-year averages for FY 2024–26. Premiums are indicative illustrations for the stated profile, not quotes — your actual premium depends on your age, health, city, habits and underwriting. Scores are Myinsurancebro's own assessment. Always read the official policy document and speak to an advisor before buying. Myinsurancebro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.