HDFC Life Cancer Care

HDFC Life Cancer Care

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Tax benefits
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Premium Benefit
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No claims
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Key Features

Comprehensive Cancer Care plan

Comprehensive Cancer Care plan that offers lump sum benefit on diagnosis of Early Stage and Major Cancer

Flexibility to choose from 3 plan options with varied benefits:
  1. Silver Option
  2. Gold Option
  3. Platinum Option
Waiver of Premium Benefit in case of diagnosis of Early Stage Cancer in all options
In case of no claims, the Sum Insured increases by 10% annually under Gold and Platinum Option
Monthly Income of five years in case of diagnosis of Major Cancer under Platinum Option
Offers Premium discounts for Sum Insured above Rs 10 Lakhs
Simplified issuance process, no requirement to undergo any medicals
Tax benefits subject to provisions contained under section 80D of the Income Tax Act 1961


1. Silver Option:

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.

2. 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:


- Increased Sum Insured becoming 200% of the Initial Sum Insured or


- Any claim event

3. 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


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.



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