HDFC Life Cancer Care Plan - Review, Benefits & Comparison

HDFC Life Cancer Care

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Plan Options
High Sum Assured Discount ( Above 10 Lacs)
25% payment on diagonsis of Early Stage cancer or Carcinoma-in-situ (CIS)
100% payment on diagnosis of major cancer, less Early Stage Cancer or CIS claims, if any
Premiums waived for 3 policy years, on a valid claim of Early Stage Cancer or Carcinoma-in-situ (CIS) diagnosis.
Increased Benefit:
Sum Insured increases by 10% of initial Sum Insured each year starting from the first policy anniversary.
Monthly Income:
1% of applicable Sum Insured 5 years, on diagnosis of listed Major Cancer.

Silver
per year
() High Sum Assured Discount ( Above 10 Lacs)
() 25% payment on diagonsis of Early Stage cancer or Carcinoma-in-situ (CIS)
() 100% payment on diagnosis of major cancer, less Early Stage Cancer or CIS claims, if any
() Premiums waived for 3 policy years, on a valid claim of Early Stage Cancer or Carcinoma-in-situ (CIS) diagnosis
() Increased Benefit:
Sum Insured increases by 10% of initial Sum Insured each year starting from the first policy anniversary
() Monthly Income:
1% of applicable Sum Insured 5 years, on diagnosis of listed Major Cancer
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Gold
per year
() High Sum Assured Discount ( Above 10 Lacs)
() 25% payment on diagonsis of Early Stage cancer or Carcinoma-in-situ (CIS)
() 100% payment on diagnosis of major cancer, less Early Stage Cancer or CIS claims, if any
() Premiums waived for 3 policy years, on a valid claim of Early Stage Cancer or Carcinoma-in-situ (CIS) diagnosis
() Increased Benefit:
Sum Insured increases by 10% of initial Sum Insured each year starting from the first policy anniversary
() Monthly Income:
1% of applicable Sum Insured 5 years, on diagnosis of listed Major Cancer
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You cannot buy this policy online

Platinum
per year
() High Sum Assured Discount ( Above 10 Lacs)
() 25% payment on diagonsis of Early Stage cancer or Carcinoma-in-situ (CIS)
() 100% payment on diagnosis of major cancer, less Early Stage Cancer or CIS claims, if any
() Premiums waived for 3 policy years, on a valid claim of Early Stage Cancer or Carcinoma-in-situ (CIS) diagnosis
() Increased Benefit:
Sum Insured increases by 10% of initial Sum Insured each year starting from the first policy anniversary
() Monthly Income:
1% of applicable Sum Insured 5 years, on diagnosis of listed Major Cancer
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You cannot buy this policy online

No one wants to get diagnosed with Cancer, but the fact is that the risk of getting cancer is high. Cancer in India is rising at an alarming rate and it can happen to anyone. Cancer not only adversely impacts our health but also the savings and expenses of the family. Most of us are not financially ready to fight against Cancer.
- - 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. 1.Silver Option
  2. 2.Gold Option
  3. 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

- Benefits offered under the various Plan Options:

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:
1. - Increased Sum Insured becoming 200% of the Initial Sum Insured or
2. - 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.

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

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