HDFC Life Cancer Care Plan

Policy Benefits

Lump sum Benefit
A lumpsum payment is payable on the diagnosis of Cancer.25% of the sum insured is given in case of the early stage and 100% given on major stage cancer after deducting the amount if given during the early stage of cancer.

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.This benefit is available with all the 3 plan variants.

Maturity benefit as a percentage of Sum Assured as per term chosen is as follows:

• Increased Benefit
  Under this benefit, the sum insured under the policy enhances every year by 10% of initial sum insured each year till the sun insured reaches 200% of the initial sum or till the time of any claim. This benefit is available under gold and platinum plan variants only.
• Monthly Income
  This benefit offers monthly income of 1% of the Sum Insured for 5 years, on diagnosis of listed Major Cancer.This benefit is only available under platinum variant.
• Death Benefit
  There is no death benefit payable under this plan.
• Maturity Benefit
  There is no maturity benefit payable under this plan.

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

Not more than 25% of the sum insured is payable at an early stage of cancer.

Waiting Period Clause

• Initial Waiting Period: 180 day waiting period from the date of commencement.
• Survival period waiting period: 7 day survival period between the date of diagnosis and the date of eligibility.
• 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.