HDFC Life Surgicare Plan
HDFC Life Surgicare Plan
HDFC Life Surgicare Plan is a Surgical Health Plan with Hospitalization Cash Benefit option. It is a Traditional Plan without Bonus facility.
Key Features
This is a health plan with surgical benefit and optional hospital cash benefit
82 major surgical procedures are covered but payment is made according to the grade of the surgery
Benefits
There is no Death Benefit in this plan.
If Option A is chosen, then this benefit is payable and not otherwise. For Hospitalization Benefit, there is a minimum requirement of 48 hours of continuous hospitalization.
There are no additional riders in this plan.
- Grade A – 25 % of the current sum assured would be paid on undergoing any of the surgeries listed below, for the first time in the life time of the life assured:
- Cornea transplantation due to Trauma (for each eye)
- Drainage of extra dural space
- Open Reduction and Fixation for Compound Fracture of Mandible
- Drainage of lesion of tissue of brain
- Open Reduction of Hip Dislocation
- Drainage of subdural space
- Traumatic Amputation of lower limb- Below Knee level
- Excision of lesions (other than tumours)of tissue of brain
- Traumatic Amputation of upper limb- Below elbow level
- Excision of the pituitary gland
- Surgery to remove cerebral tumours (benign)
- Stereotactic ablation of tissue of brain Placement of prosthesis in oesophagus
- Drainage of pericardium
- Open Surgery for treatment of Peptic Ulcer
- Incision of pericardium
- Total Thyroidectomy
- Grade B – 50 % of the current sum assured would be paid on undergoing any of the surgeries listed below, for the first time in the life time of the life assured:
- Reduction and Fixation with Bone Graft for Major Craniofacial Trauma
- Traumatic Amputation of upper limb- Above elbow level
- Replacement of mitral valve
- Reconstruction surgery due to major burns(>25% body surface area)
- Radical Vulvectomy for Malignant Condition of Vulva
- Replacement of pulmonary valve
- Facial reconstruction surgery due to major trauma
- Parotidectomy for Malignant Tumour
- Replacement of tricuspid valve
- Major Repair of Multiple Ruptures in Abdominal cavity due to trauma
- Radical Excision of Malignant Bone Tumour
- Clipping of Aneurysm/Arterio- Venous Malformation in Brain
- Operation for Compound Fracture with Dural Penetration
- Orchidectomy for Malignant Testis Tumour
- Excision of pineal gland
- Total prosthetic replacement of hip joint due to trauma
- Wide Excision and Major Reconstruction of Malignant Mouth Tumor Graft to cranial nerve
- Total prosthetic replacement of knee joint due to trauma
- Excision of pericardium
- Intracranial transection of Cranial nerve
- Traumatic Amputation of lower limb- Above Knee level
- Replacement of aortic valve
- Operations on Surbaracahnoid space of brain
- Osteopathic Craniotomy/Extensive Craniotomy for Intracranial Haemorrhage
- Permanent Artificial opening into stomach
- Bypass for Portal Hypertension
- Open operations on varices of oesophagus
- Partial Lobectomy/Segmental Resection for various liver lesions (other than tumours)
- Open surgery for partial resection of colon for malignant tumour
- Nephrectomy due to medical advice (not as a transplant donor)
- Open Lobectomy of Lung
- Partial Extirpation of Bronchus
- Partial or Total Pharyngectomy Pleurectomy or Pleural decortication
- Excision of acquired Cholesteatoma
- Grade C – 75 % of the current sum assured would be paid on undergoing any of the surgeries listed below, for the first time in the life time of the life assured:
- Abdomino-Perineal Resection for Malignant Anal Tumour
- Carotid Endarterectomy
- Open surgery for complete resection of colon for malignant tumour
- Decompression/Removal via Craniotomy for Intra and extra cerebral Malignant Brain Tumour
- Coronary Artery Bypass Graft for Coronary Disease
- Total excision of stomach
- Glossectomy with Radical Neck Dissection for Malignant Tongue Tumour
- Excision and Insertion of Graft for Aortic Aneurysm
- Total Cystectomy for Malignant Bladder Tumour
- Laryngectomy with Radical Neck Dissection/Block Dissection for Malignant Tumour
- Replacement of more than one cardiac valve under single anesthesia
- Total excision of oesophagus (other than tumours)
- Surgery for Malignant Liver tumour
- Excision of stomach and oesophagus (other than tumours) Total Pharyngectomy for Malignant Tumour
- Total Esophagectomy for Malignant Tumour
- Partial Gastrectomy (other than tumours)
- Partial Pancreatectomy
- Total Pelvic Exenteration for Malignant Conditions
- Grade D – 100 % of the current sum assured would be paid on undergoing the any of the surgeries listed below, for the first time in the life time of the life assured:
- Pancreatico-Duodenectomy for Malignant Tumour
- Combined Heart-Lung Transplant
- Isolated Heart Transplant
- Pulmonary Artery Embolectomy using Cardiopulmonary Bypass
- Triple Bypass for Malignant Pancreatic Tumour
- Renal Transplant as recipient for Complete Renal Failure
- Pneumonectomy or Pleuropneumonectomy - total lung of one side
- Total Laryngectomy
- Transplantation of Lungs
- Bone Marrow Transplant
How it works
- Option A: Surgical Benefit + Hospitalization Cash Benefit
- Option B: Only Surgical Benefit
Sample illustration of Premium of HDFC Life Surgicare Plan
Eligibility
Minimum
|
Maximum
|
|
Sum Assured (in Rs.)
|
1,00,000
|
5,00,000
|
Policy Term (in years)
|
7
|
20
|
Premium Payment Term (in years)
|
Equal to Policy Tenure
|
|
Entry Age of Life Insured (in years)
|
18
|
50
|
Age at Maturity (in years)
|
-
|
65
|
Premium (in Rs.)
|
2,000
|
No Limit
|
Payment modes
|
Monthly, Half-Yearly or Annually
|
FAQs
If the policy holder stops paying the premium, the policy lapses and all benefits cease to exist.
There are no surrender benefits in this plan.
Loan facility is not available in this plan.