HDFC Life Cancer Care - Cancer Insurance Policy in India
RECENTLY VIEWED BY
12,920 people

HDFC Life Cancer Care offers lump sum benefit on diagnosis of Cancer that helps to protect your income and savings from expenses that aren't covered by your major medical coverage, like Out of pocket medical expenses, Out of Network specialist, Experimental Cancer Treatment, Travel & Lodging etc. when treatment is far and so on.

FEATURED VIDEO
2 MINS WATCH

What is this product about?

Mental and emotional strength is very important to fight Cancer, but financial strength is just as important. While fighting Cancer is not easy, being financially prepared for it is.
Why you need this plan ?
  • Cancer can affect anyone, anytime
  • There is an alarming increase in cancer cases in India and around the world
  • Cancer cases are only expected to rise
  • If diagnosed cancer treatment can be expensive
  • Staying financially prepared is half the battle won
PROTECT YOURSELF FROM THE RISING COSTS OF CANCER CARE.GET COVERED IN A FEW SIMPLE STEPS.
Explore HDFC Life Cancer Care
Benefits offered under the various Plan Options
    • Offer lump sum benefits on diagnosis of Cancer as per the table below: 
      DIAGNOSIS OF % OF APPLICABLE SUM INSURED
      Early Stage cancer or Carcinoma-in-situ (CIS) 25
      Major Cancer 100 less early Stage Cancer or CIS Claims, if any
    • Waiver of Premium: On a valid claim of Early Stage Cancer or Carcinoma-in-situ (CIS) diagnosis, premiums will be waived for a period of 3 policy years.
  • Offer lump sum benefits on diagnosis of Cancer as per the table below: 
    DIAGNOSIS OF % OF APPLICABLE SUM INSURED
    Early Stage cancer or Carcinoma-in-situ (CIS) 25
    Major Cancer 100 less early Stage Cancer or CIS Claims, if any
  • Waiver of Premium: On a valid claim of Early Stage Cancer or Carcinoma-in-situ (CIS) diagnosis, premiums will be waived for a period of 3 policy years.

    Gold Option: In addition to the above benefit under this option Increased Benefit is also payable. In Increased benefit, the Sum Insured increases by 10% of initial Sum Insured each year starting from the first policy anniversary. This will continue till the earlier of:

    1. Increased Sum Insured becoming 200% of the Initial Sum Insured or
    2. Any claim event

Gold Option: In addition to the above benefit under this option Increased Benefit is also payable. In Increased benefit, the Sum Insured increases by 10% of initial Sum Insured each year starting from the first policy anniversary. This will continue till the earlier of:

  1. Increased Sum Insured becoming 200% of the Initial Sum Insured or
  2. Any claim event
    • Platinum Option: In addition to the benefit offered under Gold Benefit, this option offers monthly income of 1% of applicable Sum Insured for 5 years, on diagnosis of listed Major Cancer.
    • Offers Premium discounts for Sum Insured above Rs 10 Lakhs 
  • Platinum Option: In addition to the benefit offered under Gold Benefit, this option offers monthly income of 1% of applicable Sum Insured for 5 years, on diagnosis of listed Major Cancer.
  • Offers Premium discounts for Sum Insured above Rs 10 Lakhs 
ENTRY AGE
 
MIN
18 yrs
 
MAX
65 yrs
MATURITY AGE
 
MIN
28 yrs
 
MAX
75 yrs
POLICY TERM
 
MIN
10 yrs
 
MAX
20 yrs
PREMIUM PAYING FREQUENCIES
  • Annual
  • Half Yearly
  • Quarterly
  • Monthly
SUM ASSURED
 
MIN
10 lkhs
 
MAX
40 lkhs
SURVIVAL PERIOD
7 day survival period between the date of diagnosis of a condition and the date eligibility for a benefit payment would be applicable. 
EXCLUSIONS

No benefit shall be payable under the policy in respect of any Major Cancer, Carcinoma-in-situ or Early Stage Cancer resulting directly or indirectly from or caused or contributed by (in whole or in part) :

  • Sexually Transmitted Diseases AIDS or HIV.

  • Any congenital conditions

  • Any pre-existing condition

  • Intoxication by alcohol or narcotics or voluntarily taking or using any drug, medication or sedative unless it is an "over the counter" drug, medication or sedative taken according to package directions;

  • Nuclear, biological or chemical contamination (NBC),

  • The policy shall terminate and no benefit shall be payable under the policy if the

  1. Diagnosis or

  2. Signs or symptoms (related to the diagnosed cancer) first occurred during the waiting period.

Please refer to product brochure for detailed benefits.

FAQs

HDFC Life brings to you a comprehensive Cancer Care plan that provides financial protection for both early and major stage of cancer.

This is a plan that not only gives pay outs but also a waiver on premium for the next 3 policy years on diagnosis of early stage of cancer.

There is an increased benefit where the Sum insured under the policy increases every year under the Gold and Platinum option. Also, offers an income benefit under the Platinum option.

With the rising incidence of Cancer in our country, it is necessary to protect your loved against it. To ensure that you and your family are financially protected against this giant disease, Cancer, HDFC Life brings for you HDFC Life Cancer Care ones which will take care of emergencies and help you to continue achieving your life goals without any speed breaker. The various features of the plan are as follows:

  1. Comprehensive cancer plan that provides financial protection to you and your family against early or major stages of cancer
  2. Lump sum payout is provided on diagnosis of early or major stages of cancer
  3. Future Premiums for next 3 policy years will be waived off on receiving a valid claim of early stage cancer
  4. Offers Income benefit for next 5 years on diagnosis of Major Stage Cancer, under Platinum option
  5. Under Gold and Platinum option, the Sum Insured will be increased by 10% every year. This will continue till the increased Sum Insured becomes 200% of the Initial Sum Insured or if any claim is done whichever is earlier.

    All benefits and payouts are independent of any other health insurance plan

  6. Provides tax benefits2 on premiums paid up to Rs 35,000 under Sec 80D of the Income Tax Act, 1961.

There are 3 plan options available in this product namely Silver, Gold and Platinum. The base benefit is applicable on all the 3 options. The Increased benefit is applicable on Gold and Platinum options where as income benefit is applicable only on the Platinum option.

There would be discount in the form of lower premium rates for incremental Sum Insured over & above Rs. 10,00,000.

The premium paying frequency available for this plan is annual mode only.

Yes, the sum assured limit will increase from the subsequent year but this increased benefit is applicable in case of the policyholders who have chosen the Gold and Platinum plan. Under this benefit, the Sum Insured will increase at a rate of 10% of the Initial Sum Insured per annum starting from the first policy anniversary.

This increase will continue till the earlier of:

  1. Increased Sum Insured becoming 200% of initial Sum Insured and
  2. Any claim event.

Once the claim is made, all future claims shall be based on the Increased Sum Insured at the time of first claim. Further increases to the increased Sum Insured shall not be applicable.

Payout will be depending upon the plan Option chosen.

In case of Silver Option the lump sum benefit is payable:

Diagnosis of % of Applicable Sum Insured
Early Stage cancer or Carcinoma-in-situ (CIS) 25
Major Cancer 100 less Early Stage Cancer or CIS claims, if any

In addition to the above on a valid claim of Early Stage Cancer or Carcinoma-in-situ (CIS) diagnosis, premiums will be waived for a period of 3 policy years. In case the outstanding term is less than 3 years then premiums for the outstanding term would be waived

Gold Option: Under this option the policyholder receives the benefits described under the Silver option plus an increased benefit.

Under Increased benefit, the Sum Insured increases by 10% of initial Sum Insured each year starting from the first policy anniversary. This will continue till the earlier of:

  1. Increased Sum Insured becoming 200% of the Initial Sum Insured or
  2. Any claim event

Once the claim is made, all future claims shall be based on the Increased Sum Insured at the time of first claim and further increases to the Increased Sum Insured shall not be applicable.

Platinum

Under this option the policyholder receives the benefits described under the Gold option benefit plus regular Income Benefit.

Under Income benefit option a monthly income equivalent to 1% of applicable Sum Insured would be paid out to you on diagnosis of the listed major cancers for a fixed period of next 5 policy years.

The minimum cover for the policy is Rs.10 lakhs whereas the maximum cover for the policy is Rs.40 lakhs.

Product brochure download
Premium Rates Download
The importance of having cancer cover

Reema# is a young and vibrant individual. She has never smoked and lives an active and healthy life. For a few days, Reema had a terrible cough, and started experiencing shortness of breath. She went for a check-up, where she was diagnosed with lung cancer. While the cancer was caught early, Reema's medical insurance did not cover the cost of her treatment. As Reema's health was on the mend, her savings were completely wiped out, and she was forced to build her savings from scratch once again.

We all hear stories like Reema's, but we always believe that cancer is something that happens to others, and never affects us. Unfortunately, this is not true. According to a recent research more than 1 million cancer cases are diagnosed every year1. By 2020 Cancer cases are expected to rise by 20%.

The number of cancer cases in the country is definitely increasing; and breathing in polluted cities like Delhi and Mumbai has been said to be as bad for you as smoking a packet of cigarettes every day.

If not treated on time cancer treatment can be expensive. Over 45% of families drain their savings for cancer treatment. Very few health insurance policies will cover diseases like cancer, and cancer treatment drugs can cost up to Rs. 8 lakh*. Keeping this in mind, it's a good idea to opt for a comprehensive plan, like the HDFC Life Cancer Care plan, over your regular health insurance, which will take care of your finances, leaving you free to focus on your health.

#The name and character of Reema is used in a fictitious manner. Any resemblance to actual person, living or dead, or actual events is purely coincidental.

Many Families covered by
HDFC Life Cancer Care
HDFC Life Cancer Care
Smoking affects at least 6 million people a year*. Cancer treatment is expensive. HDFC Life Cancer Care now covers smokers too!

HOW CAN WE HELP YOU

HELP TO BUY ONLINE
Call us

All days 10 AM to 7 PM

Let us call you
Call Us

Mon-Sat 9:30 A.M to 6:30 P.M

Locate A Branch Near You
Call Us

Mon-Sat 10 am to 7 pm(Local Charges Applicable.) (DO NOT prefix any country code e.g. +91 or 00.)

Email
nriservice@hdfclife.com

(For NRI customer only)

Stay updated with HDFC Life

ISO 27001 Information Security management System Certified by British Standards