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HDFC Life Cancer Care Insurance Plan

HDFC Life Cancer Care Insurance Plan - 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.

Instead of believing that “I will not be the one” we suggest you to insure yourself, right away, with HDFC Life Cancer Care, a unique and comprehensive Cancer insurance policy, which enables you and your family to stay financially and mentally secured in case of Cancer diagnosis.

HDFC Life Cancer Care offers lump sum benefit on diagnosis of Cancer that helps to protect your income and savings from expenses that aren't covered by your major medical coverage, like Out of pocket medical expenses, Out of Network specialist, Experimental Cancer Treatment, Travel & Lodging etc. when treatment is far and so on.

HDFC Life Cancer Care Insurance Plan (Features):

  • 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

HDFC Life Cancer Care Insurance Plan (Advantages):

  • Benefits offered under the various Plan Options:
    1. Silver Option:
      1. 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
      2. 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.
  • 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
  • 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 

HDFC Life Cancer Care Insurance Plan (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, Half-yearly, Quarterly or Monthly

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. diagnosis or
    2. signs or symptoms (related to the diagnosed cancer) 
      first occurred during the waiting period.
      Please refer to product brochure for detailed benefits.

HDFC Life Insurance Health Plans and Policy


Starting premiums for this plan are Rs. 24000 per year and the plan is available only on an annual mode

HDFC Life Smart Woman Plan (Form No: P501, UIN: 101L082V02). This is a unit linked non participatory product. For more details on risk factors, terms and conditions and exclusions please read the product brochure or consult financial consultant before conclusion of sale. Unit linked insurance plans are different from traditional plans and are subject to different market risks. The investment risk in the portfolio is borne by the policyholder. (