HDFC Life Cancer Care
HDFC Life Cancer Care
Key Features
Comprehensive Cancer Care plan that offers lump sum benefit on diagnosis of Early Stage and Major Cancer
- Silver Option
- Gold Option
- Platinum Option
Benefits
a) Offers lump sum benefit 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 |
b) 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.
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:
- Increased Sum Insured becoming 200% of the Initial Sum Insured or
- Any claim event
- 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
Eligibility
| Details | Minimum | Maximum |
|---|---|---|
| Entry Age | 18 years | 65 years |
| Maturity Age | 28years | 75 years |
| Policy Term | 10 years | 20 years |
| Sum Assured | 10 Lakhs | 40 Lakhs |
| Premium Frequency | Annual | |
Survival Period:
7 day survival period between the date of diagnosis of a condition and the date of 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.
