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HDFC Life Cancer Care Plan

What is the Plan all About?

HDFC Life offers a robust cancer care plan – HDFC Life Cancer Care, which offers financial protection for both early and major stages of cancer.Pay outs are paid to the policyholder at initial and major stage to indemnify the financial burden of treatment.

The plan offers 3 plan variants:

  • Siler
  • Gold
  • Plantinum

What are the Key Features?

  • Comprehensive cancer plan
  • Lump sum provided on major as well as early stages of cancer
  • 3 plan options to choose from
  • Waiver of future premiums for 3 years on valid cancer diagnosis
  • Receive income benefits with the top plan variant
  • Premium discount for SI greater than 10 Lacs
  • Tax Benefits under Section 80D of the Income Tax Act 1961

What are the Plan Benefits?

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.

Product Snapshot

Factor Minimum Maximum
Age (as on last birthday) 18 Days 65 Years
Sum Assured Rs 10 Lakh Rs 40 Lakh
Cover Type - -
Policy Tenure 10 Years 20 Years
Grace Period 30 Days -
Freelook Period 30 Days -
Riders Nil -
Plan Type Online -


  • 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), etc.