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Aegon Life ICancer Plan

What is the Plan all About?

There are more than 100 types of cancers, any part of the human body can be affected with.If you are the sole earner in your family and want to safeguard yourself and your family from the financial stress due to the occurrence of any type of cancer at any stage. This is the right plan for you, which offers multistage pay out benefits to suit your requirements.


What are the Key Features?

  • Covers all types of Cancer
  • Stage based benefit payment
  • Multiple unrelated cancers can be claimed
  • Premium Waiver Benefit at Major Stage
  • Simple online buying process
  • Quick Claim Settlement
  • Avail Tax Benefits  

What are the Plan Benefits?

Policy Benefits

    Lump sum Benefit

    • At the Minor Stage of Cancer, for each claim the Co. will pay 25% of Sum Assured minus any previously paid claims under the Policy, up to a maximum limit of Rs 5 Lacs per claim.
    • At the Major Stage of Cancer, the Co. will pay 100% of the Sum Assured minus any previously paid claim benefits.
    • At the Critical Stage of Cancer, the Co. will pay 150% of the Sum Assured minus any previously paid claim benefits.

     Waiver of Premium Benefit

    Premium Waiver Benefit is also available under the plan wherein once a claim under the Major Stage Cancer Benefit is approved, all future premium payments for the policy will be waived for the remaining tenure starting from the next premium due date following the date of diagnosis of the medical condition.

    Death Benefit

    There is no death benefit payable under this plan.

    Maturity Benefit

    There is no maturity benefit payable under this plan.

    How the Plan Works?

    Let us understand the plan with the help of an example of Mr.Ramesh

    Life Insured: Mr. Ramesh

    Age: 30 years

    Term: 20 years

    Annual Premium: Rs 5,300

    Sum Assured: Rs 20 Lakh

Value Added Benefits

    • Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.
    • Quick Claim Settlement.

Sub Limits

    • The sum of all benefits paid in the Minor Stage will not exceed 25% of the Sum Assured up to a maximum of 5 lacs.

Waiting Period Clause

    • Initial Waiting Period: Claim for critical illness will only be accepted if the illness has occurred after the expiry of 180 days from the date of issue/date of revival of the policy.
    • Survival Period Waiting Period: No survival period clause applies.
    • Pre Existing Diseases Waiting Period: For all pre-existing diseases or health conditions, the benefits would be available after 48 months from date of commencement or reinstatement.

Product Snapshot

Factor Minimum Maximum
Age (as on last birthday) 18 Years 65 Years
Sum Assured 10 Lacs 50 Lacs
Cover Type - -
Policy Tenure 5 Years 70 Years Minus Entry Age
Grace Period 30 Days And 15 Days For Monthly Mode -
Freelook Period 30 Days -
Riders Nil -
Plan Type Online -


  • Unreasonable failure to seek or follow medical advice.
  • Pre Existing Diseases.
  • Existence of any sexually Transmitted Disease (STD) and its related complications or Acquired Immune Deficiency Syndrome (AIDS) or the presence of any Human Immuno-deficiency Virus (HIV).
  • For any medical condition or any medical procedure arising from the donation of any of the Life Assured’s organs.
  • Self-inflicted Injuries,etc.