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HDFC Life Cancer Care

While it is important for you to strive towards achieving your life goals, it is also important to have a Cancer insurance plan, which will take care of emergencies and help you to continue achieving your life goals without any speed breaker. Read More

To ensure that you and your family are ¬financially protected against this giant disease, Cancer, HDFC Life brings for you HDFC Life Cancer Care.Read Less

FEATURES

PLAN OPTIONS/VARIANTS

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    Silver

    • Cancer Diagnosis Benefi­t3: A lump sum bene­fit, will be paid on diagnosis of: Carcinoma-in-situ or Malignant cancer, Early Stage cancers, Major Cancers
    • Early Stage cancer or Carcinoma in-situ (CIS) – 25% of Sum Insured Payout
    • Major Cancer – 100% less Early Stage Cancer or CIS claims, if any
    • Waiver on Premium Benefi­t: 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/the outstanding term whichever is lower would be waived off.

    Gold

    • Cancer Diagnosis Benefi­t3: A lump sum bene­fit, will be paid on diagnosis of: Carcinoma-in-situ or Malignant cancer, Early Stage cancers, Major Cancers
    • Early Stage cancer or Carcinoma in-situ (CIS) – 25% of Sum Insured Payout
    • Major Cancer – 100% less Early Stage Cancer or CIS claims, if any
    • Waiver on Premium Benefi­t: 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/the outstanding term whichever is lower would be waived off.
    • Increased benefi­t: Sum Insured increases by 10% of initial Sum Insured each policy anniversary up to 200% of the SI or any claim Event

    Platinum

    • Cancer Diagnosis Benefi­t3: A lump sum bene­fit, will be paid on diagnosis of: Carcinoma-in-situ or Malignant cancer, Early Stage cancers, Major Cancers
    • Early Stage cancer or Carcinoma in-situ (CIS) – 25% of Sum Insured Payout
    • Major Cancer – 100% less Early Stage Cancer or CIS claims, if any
    • Waiver on Premium Benefi­t: 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/the outstanding term whichever is lower would be waived off.
    • Increased benefi­t: Sum Insured increases by 10% of initial Sum Insured each policy anniversary up to 200% of the SI or any claim Event
    • Income benefi­t option4: a monthly income equivalent to 1% of applicable Sum Insured would be paid out to you on diagnosis of the listed major cancers for a ­fixed period of next 5 policy years.

Eligibility

Documentation

  • ID Proof
  • Age Proof
  • Address proof

Exclusion

  • 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) :
  • Any congenital conditions
  • Any pre-existing disease
  • 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

  • diagnosis or
  • signs or symptoms (related to the diagnosed cancer) first occurred during the waiting period

Eligibility

  • Between 5 to 65 years
  • Policy term between 5 to (85 – Entry Age) years, subject to maximum Maturity age of 85 years
  • Initial Sum Insured Minimum Sum Insured: 10 Lakhs, Maximum Sum Insured: 50 Lakhs

Bajaj Allianz life Smart Protect Goal

Disclamier

1Annual premium amount 1411 for Male aged 35 years, 10 years term, Silver option, excluding Taxes and levies as applicable.
2Policy is issued on the basis of Short Medical Questionnaire.
3The bene¬fits for Early Stage Cancer or Carcinoma-in-situ (CIS) shall be payable only once during the policy term and for its ¬first occurrence only. On payment of benefi¬ts for Major Cancer, the benefi¬ts under the policy will terminate and no further benefi¬ts will be payable.
4Any outstanding Income Benefits will be paid as scheduled. In the event of the policyholder’s death while receiving the Income Bene¬t, the remaining pay-outs under this benefi¬t will be paid to his/her nominee as scheduled.Read More

5Tax benefits under the policy are subject to conditions under Sec. 80C, 80D and Sec 10(10D) of the Income Tax Act, 1961. Tax laws are subject to amendments from time to time.Read Less

FREQUENTLY ASKED QUESTIONS

What premium modes are allowed?

You can choose to pay your premiums by either annually, half-yearly, quarterly or monthly frequency of premium payment.

Is there any Death benefit?

This plan aims to aid the expenses to survive through the dreaded disease like Cancer. And hence it has benefits linked to diagnosis of disease and no death benefit is payable.

Is there any Maturity benefit?

There is no maturity benefit available under this plan

Is there any Surrender benefit?

There is no surrender value available under this plan

Is there any Survival Period to become eligible for claim pay-outs?

7 day survival period between the date of diagnosis of a condition and the date of eligibility for a benefit payment would be applicable

Where can I check my car insurance policy details?

You can check all your car insurance details in your policy documents. You can also login to our website or IL Take Care app to check the below details: Policy number, Policy start and end date, Policy type (Comprehensive/OD only/TP only)Engine & chassis number 

What is an endorsement?

An endorsement is written evidence of an agreed change in the policy. It is a document that incorporates changes in the policy terms.

Do I need a valid PUC to drive in India?

Yes, you need to hold a valid and effective PUC, and/or fitness certificate, to drive your vehicle and stay compliant with the law.

Do I need to have a valid insurance policy to get my new vehicle registered?

Yes, you need to have an active and valid insurance policy while registering your new vehicle. Even a valid third party (TP) policy will work for registering your vehicle at the RTO.

More FAQs