• Webpages
  • Documents
  • HDFC Life ClassicAssure PlusInvestment
  • HDFC Life ClassicAssure PlusInvestment
  • HDFC Life ClassicAssure PlusInvestment

Online Buy Support

Branch Locator

Policy Holder Services

Fund Performance Check

Online Buy Support

Branch Locator

Policy Holder Services

Fund Performance Check

Health Insurance Plans

Along with ailments, the hospital expenditures can set you back unexpectedly.

1800-266-9777 (All Days, from 9am to 9pm, Toll Free)

Have you factored in the rising medical costs?

  • Listing Bullet Worried about the spiraling health care costs than actual illness?
  • Listing Bullet Feel your savings will drain out if a medical emergency arises?
  • Listing Bullet Thinking about how much Insurance would be enough to handle unexpected large medical expenses?
Have you factored in the rising medical costs?

Health Plans

We take care of your health expenses; you only focus on getting well.

HDFC Life Cardiac Care

A Health Plan that has its heart in the right place.

UIN: 101N117V02

  • Get a cardiac cover of ₹ 10 Lakhs for just  5/Day.1

  • Covers 18 types of heart ailments.

  • Fixed lump sum payout irrespective of actual expenses incurred for diagnosis/procedure.

  • Benefit from Multiple Claims for same or different conditions or procedures.2

  • Option to choose Indexation benefit to ensure you stay ahead of medical inflation.

How much healthcare cover is right?

How much healthcare cover is right?

 Use our quick and simple calculator to know what’s ideal for you.


Personal Details


Financial details

Your Required life cover to protect your family’s future is


Recommended plans for you

The values shown here are only for illustration. The results are generated based on the information provided. It is not intended to be and must not alone be taken as the basis for an investment decision.

HDFC Life Cancer Care

Offers financial protection from the disease people are worried about today.

UIN: 101N106V04

  • Get a Cancer Cover of ₹ 20 Lakhs for Less than ₹ 4/Day.3

  • Get lump sum benefit upon detection of early and major cancer.

  • Enjoy Premium Waiver Benefit for a period of 3 policy years in case of diagnosis of early stage cancer.

  • Option to receive a monthly Income benefi­t for next 5 years.4

  • No Medicals Required.5

Health Insurance Buying Guide

1 What Is Health Insurance?

Health Insurance is a kind of insurance that provides coverage for medical expenses to the policy holder. Depending on the health insurance plan chosen the policy holder can get coverage for critical illness expenses, surgical expenses, hospital expenses etc.

2 Why You Need Health Insurance?

3 How HDFC Life Health Insurance Plans help you?

4 Why Do You Need Health Insurance Plan

5 Factors to Consider While Buying Health Insurance

We are aware of how important health insurance is in protecting a family’s finances in the event of a medical emergency. But how does one buy a health insurance plan? Here are some tips to buy medical insurance with the help of a health insurance plan.

Get adequate coverage

There is little logic on scrimping on premiums while buying mediclaim policies. The focus has to be on getting the maximum coverage required by your family at affordable premiums. Remember, you pay from your pocket whatever a mediclaim policy or health insurance plan doesn’t.

Check company’s geographical presence

Insurance companies providing mediclaim policies or health insurance plans typically have tie ups with hospitals having large networks. You need to check whether hospitals or healthcare facilities empanelled with a prospective insurance company, are situated close to your residence. Also, check if the insurance company has a presence across the country so that in the case of the need for physical interaction, you are not inconvenienced.

Study the width of coverage

Health insurance plans provide financial protection to you in case of medical emergencies but the coverage of the emergencies are specified in the policies. It is important to be aware of these conditions, the ailments and diseases that are covered. Consider opting for a health insurance plan that has a wide coverage and few exclusions.

Find out the coverage of pre-existing diseases

If you suffer from a particular ailment, you will need to disclose this at the time of buying a health insurance plan. At the same time, it is important to know from when the disease will get covered. Typically, insurance companies start covering pre-existing ailments after 3-4 years of continuous coverage.

Save on premiums by buying online

Almost all companies offering health insurance companies offer online policies. The premiums for such mediclaim policies and health insurance plans are lower since the companies pass on savings from distribution and other cost savings. However, remember that advice and support you get from an advisor will be absent and you will need to deal with the company directly. This makes it important for you to choose an insurance company well known for its customer service both online and in its branch offices across the country.

To sum up, online health insurance provides you with financial protection your family needs in case of medical emergencies. Yet, one needs to keep these five things in mind to make the most of this protection tool.

Understanding Health Plans!

Tune in to this video to know about our Health Plans.

Have a question?

We’ll tell you everything you need to know about health plans.

1 What is the tenure of health insurance plans?

Typically, the term of health insurance plans is one year. However, health insurance plans offered by life insurance companies can be for 5 years.

2 What is the frequency of premium payment for health insurance?

3 What is typically the age at which a health insurance plan can be bought?

4 When does one get the critical illness benefit from health insurance plans?

5 Is there any tax benefits available for health insurance premiums?

Health insurance plans provide annual tax deductions of upto ₹ 25,000 under Section 80D of the Income-tax Act, 1961.6  You get further tax deductions of ₹ 25,000 if you pay health insurance premiums for parents, who are not senior citizens. Just in case your parents are senior citizens, the eligibility of additional tax deductions goes up even further, to ₹ 30,000.

6 What happens if there is an existing health plan and there are additions to the family?

To adapt to situations where there additions in the family, especially after the birth of a child, or health insurance coverage needs to be enhanced for some other reason, you can buy health insurance plans that allow to-ups. Health insurance plans from some life insurance companies provide facilities for top-ups. They also have provisions for top ups to happen automatically on reaching certain life stages like marriage.

7 If one doesn’t make a claim, doesn’t the policyholder’s money actually get “wasted”?

There are health insurance plans, especially those provided by life insurance companies that provide you with return of your premiums at the end of the policy term.

8 Do health insurance plans provide accidental death benefits?

Certain life insurance companies provide health insurance plans that provide accidental death benefit. This is over and above their death benefits.

9 What happens to the health insurance plan if a person becomes permanently disabled?

Look for a health insurance plan that waives off the premium payment requirement.

10 Can I Nominate or Assign my health plan?

As per Section 39 of the Insurance Act, 1938, you can nominate a person to receive the benefits under this health insurance policy. During your lifetime and while your policy is in force, you may at any time, by written notice to us, designate any person or persons as a nominee to whom we shall pay benefits under this health insurance policy upon your unfortunate death. In case the nominee so named is a minor, then the policyholder is required to name an appointee (other than himself) for the minor nominee. Assignment shall be subject to Section 38 of the Insurance Act 1938. 

11 How can I Pay the Health Insurance Premiums?

You can pay your health insurance/mediclaim policy premiums online via:

  1. Netbanking
  2. Credit card/ Debit card
  3. Debit Card with PIN
  4. SI on card

12 Whom should I contact for queries?

In case of any queries related to plan or form filling pls call our toll free number 1800 266 9777 or contact us at [email protected] For submitting documents or any other query after premium payment, you can write us at [email protected] or call us on toll free number 1800 266 0315. Post policy Issuance you can reach out our customer service desk on 
1860 267 9999 (Local call charges apply) or write to us at [email protected]

Click here to view the Specimen Policy Document of this plan.

  1. Annual Premium amount ₹ 1869 for Male aged 35 years, Base Benefit, 10 years term, Regular Pay option, Sum Assured=10 lakhs, excluding Taxes & levies as applicable.

  2. Multiple Claims of same or different conditions / procedures can be covered subject to the exhaustion of applicable Sum Insured.

  3. Annual premium amount ₹ 1411 for Male aged 35 years, 10 years term, Silver option, excluding Taxes and levies as applicable.

  4. Monthly Income option only available only under Platinum plan option.

  5. Policy is issued on the basis of Short Medical Questionnaire.

  6. As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.

  7.  Discount of 5% on annual premiums paid towards both Life & Health will be offered. If Customer decides to opt out of one of the products, the discount, if any, shall not be available to the Customer going forward.

  8. Premium rates for age - 25 years, Male, Non Smoker, Annual mode, regular pay, exclusive of taxes. Protection - Life Option - ₹ 5,959 (rounded up), Sum Assured - ₹ 1 Cr. Policy Term - 30 years. Health - Individual Option - ₹ 487, Sum Assured - ₹ 1 Lakh, Policy Term - 3.5 months. Total annual premium = ₹ 6,446, daily premium (6,446/365 = 18 (rounded up)).

  9. On positive diagnosis of COVID-19 in a Government authorized diagnostic centre as per terms and conditions.

  10. Option available under COVID-19 health cover.

ARN: EU/07/21/24465