HDFC Life Click2Protect Supreme Plus vs Aditya Birla Sun Life Super Term Plan
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 4/5, winning 4 of the 6 comparable measures. Super Term Plan is the cheaper of the two on the illustrated profiles.
Side by side
| Measure | HDFC Life Click2Protect Supreme Plus | Aditya Birla Sun Life Super Term Plan |
|---|---|---|
| Myinsurancebro Score | 4.4 / 5 | 4 / 5 |
| Claim settlement ratio 3-year average, individual death claims | 99.66% | 98.7% |
| Complaints per 10,000 claims Lower is better — this is how often customers escalate | 1 | 1.33 |
| Solvency ratio IRDAI requires a minimum of 1.5x | 1.86× | 1.82× |
| Annual new business | ₹33,031 Cr | — |
| Cover available | ₹25 L – no maximum limit (subject to underwriting) | ₹25 L – no maximum limit (subject to underwriting) |
| Entry age | 18–65 yrs | 18–65 yrs |
| Critical illness cover | Rider — 60 illnesses, 15 yrs | Built in — 42 illnesses |
| Premium break / holiday | Yes | Yes |
| Life stage cover boost | Yes | Yes |
| Exit with premiums back | Yes | Yes |
| Premium — 30, Male | ₹25,153 | ₹21,767 |
| Premium — 30, Female | ₹21,380 | ₹18,235 |
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
Super Term Plan
The built-in critical illness cover is the whole argument for this plan, and it is a good one — bundling 42 conditions into the base premium usually beats buying a rider separately. The counterweight is that Aditya Birla Sun Life has the weakest insurer metrics of the five. If you want term and critical illness in a single policy and are comfortable with a 98.70% settlement ratio, this makes sense. If you would rather maximise claim certainty, take Axis Max Life and buy the rider.
Against it
- At 98.70%, the lowest settlement ratio of the five
- Solvency of 1.82x is the thinnest here, though still above the 1.5x minimum
- The critical illness payout is capped at 50% of cover or ₹50 lakh, whichever is lower
- Smaller distribution footprint in some states
Which one we would pick
HDFC Life Click2Protect Supreme Plus, on balance — 4.4/5 against 4/5. Where Click2Protect Supreme Plus is ahead: myinsurancebro score, claim settlement ratio, complaints per 10,000 claims, solvency ratio. Where Super Term Plan is ahead: 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 Aditya Birla Sun Life Super Term Plan?
We score HDFC Life Click2Protect Supreme Plus higher at 4.4/5 against 4/5. 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 98.7%. Read it beside complaint volume: HDFC Life draws 1 complaint per 10,000 claims and Aditya Birla Sun Life 1.33 complaints.
Which is cheaper?
Aditya Birla Sun Life Super Term Plan, 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.