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

For NRI Customers

(To Buy a Policy)

(If you're our existing customer)

For Online Policy Purchase

(New and Ongoing Applications)

Branch Locator

For Existing Customers

(Issued Policy)

Fund Performance Check

67,788 views

Rate this product

1800-266-9777 (All days, from 9AM to 9 PM, Toll Free)

Why HDFC Life Cancer Care?

A Non-Linked, Non-Participating Protection Plan that covers both Early and Major Stages of cancer

Why HDFC Life Sanchay Legacy?
  • Get lump sum payout on diagnosis of major and early stage cancer
  • Future premiums for next 3 policy years will be waived off on diagnosis of cancer
  • Receive Income benefit for next 5 years, under Platinum option
  • Sum Insured (SI) will be increased by 10% every year under Gold and Platinum options, up to a maximum of 200% of initial Sum Insured
  • All benefits and payouts are independent of any other health insurance plan
  • Get lump sum payout on diagnosis of major and early stage cancer
  • Future premiums for next 3 policy years will be waived off on diagnosis of cancer
  • Receive Income benefit for next 5 years, under Platinum option
  • Sum Insured (SI) will be increased by 10% every year under Gold and Platinum options, up to a maximum of 200% of initial Sum Insured
  • All benefits and payouts are independent of any other health insurance plan
Why HDFC Life Sanchay Legacy?

Your Plan. Your Benefits

Flexibility to choose any or all of the following benefits

Select your core objective for buying an insurance cover

  • Base Benefit
  • Increased Benefit
  • Income Benefit

Base Benefit

Check Eligibility Criteria

Before buying HDFC Life Cancer Care Plan

ELIGIBILITY CRITERIA

Eligibility Criteria Minimum Maximum
Entry Age 5 years 65 years
Maturity Age 15 years 85 years
Policy Term 5 years 85 years – Entry Age

Sum Insured

₹ 10 Lakh ₹ 50 Lakh
Premium Paying Frequencies Annual
Half Yearly
Quarterly
Monthly

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: Cancer Insurance
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) : 

  1. Any congenital conditions
  2. Any pre-existing disease
  3. 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;
  4. Nuclear, biological or chemical contamination (NBC),
  5. The policy shall terminate and no benefit shall be payable under the policy if the • diagnosis or • signs or symptoms (related to the diagnosed cancer). 

First occurred during the waiting period.

Please refer to product brochure for detailed benefits.

Health Plans are simple to understand!

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


Youtube
Talk to Advisor

Not sure which insurance to buy?

Talk to an
Advisor right away

Talk to Advisor

We help you to choose best insurance plan based on your needs

Frequently Asked Questions

We’ll tell you everything you need to know about HDFC Life Cancer Care

1 What is the HDFC Life Cancer Care Policy?

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.

2 Why do I need the HDFC Life Cancer Care Policy?

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:

  • Comprehensive cancer plan that provides financial protection to you and your family against early or major stages of cancer

  • Lump sum payout is provided on diagnosis of early or major stages of cancer

  • Future Premiums for next 3 policy years will be waived off on receiving a valid claim of early stage cancer

  • Offers Income benefit for next 5 years on diagnosis of Major Stage Cancer, under Platinum option

  • 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

  •  Provides tax benefits on premiums paid up to ₹ 55,000 under Sec 80D of the Income Tax Act, 1961.2


2. The above mentioned tax benefits are as per the current tax law. Your tax benefit may change if the tax law changes. Consult your tax advisor for your personal tax liabilities under the Income-tax law.

3 What are the Plan Options available for this product?

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.

4 What is the discounted Premium on higher Sum Assured?

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

5 What are the Premium paying frequencies available for this Plan?

The premium paying frequency available for this plan is Annual, Half-Yearly, Quarterly & Monthly.

6 If I don't claim any amount, then will my Sum Insured limit increased in the subsequent year?

Yes, the sum insured 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.

7 How will the Pay Out happen for this plan?

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.

8 What is the minimum & maximum cover that I can opt for this plan?

The minimum cover for the policy is ₹ 10 lakhs whereas the maximum cover for the policy is ₹ 50 lakhs.

9 Are there any network hospitals that the company has tied up for cancer treatment?

Unlike a health insurance, a cancer insurance doesn’t cover hospitalisation expenses. The policy pays out a lump sum to the insured upon diagnosis of the types of cancer listed in the plan. It provides financial protection to your family and can cover expenses like out of pocket medical expenses, out of network specialist, experimental cancer treatment, travel and lodging etc. You are free to seek any type of treatment at a hospital of your choice, including those outside the network.

10 Does the family get any sum assured upon the policyholder's death?

The sum assured is paid to the policyholder upon diagnosis with cancer. Cancer plans aim to help offset the expenses that incur while battling the critical disease like cancer. Therefore, the payout is linked to diagnosis of disease and no death benefits is payable.

11 How long does it take to get the reimbursement?

As cancer plan doesn’t pay for hospitalisation expenses, you don’t have to submit any bills to proceed a claim. The policyholder will get a lump sum upon diagnosis of cancer and needs to produce medical records of the same to receive the payout.

T&C*

  1. Annual Premium amount ₹ 1411 for Male aged 35 years, 10 years term, Silver option, excluding Taxes & levies as applicable.

ARN: EU/07/21/24428