HDFC Cancer Insurance
HDFC Cancer Insurance
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HDFC Life Cancer Insurance

Established in 2000, HDFC Life Limited is a joint venture between HDFC (Housing Development Finance Corporation) and the global investment company (Standard Life Aberdeen plc). It is headquartered in Mumbai and offers individual and group life insurance policies as a long-term insurance provider. Its range of insurance solutions includes pension, savings, investments, health, protection, etc. With these products, it has positioned itself as one of the leading insurance companies in India.

Among its umbrella of health plans, it provides financial protection to cancer patients through its HDFC Life Cancer Care plan. Fighting cancer can be a difficult struggle for many people, and HDFC, through its cancer insurance, equips people with the necessary financial resources to fight the disease successfully.

HDFC Life Cancer Care

HDFC Life Cancer Care is a non-linked, non-participating protection plan that provides financial protection against early and major stages of cancer. The plan provides three different types of benefits through silver, gold, and platinum options. Let's discuss the plan in detail.


Age limit

5 - 65 years

Maximum Maturity Age

85 years

Sum Insured

10 Lakhs–50 Lakhs

Premium Payment Modes

Annual, Half-yearly, Quarterly, Monthly

**Last Updated on 05-11-2020


Lump-sum Payout: In this policy, a lump sum is provided as soon as the insured is detected of early or major stage cancer. If he is diagnosed with early-stage cancer, he will receive a payout of 25%, and if for major stage cancer, the balance payout will be made (CIS claims or 100 less early-stage cancer).

Premiums: Once the insured is diagnosed with cancer, and the company receives a valid claim of the diagnosis, future premiums of three years are waived off. If there are less than 3 years remaining for the completion of the policy term, then the premium of the remaining term is waived off. For policies with a sum insured of more than 10 lakhs, discounts in the form of lower premium rates are decided and provided to the policyholder. The policy also offers a grace period of 15 days for monthly premiums and 30 days of yearly, half-yearly, and quarterly premiums.

Increment in sum insured: If the individual opts for the gold option, then his sum insured will increase by 10% every year till it reaches 200% of the sum insured or any claim event.

Income benefit: If the insured opts for the platinum option, then he will receive a monthly income equal to 1% of the sum insured for the next five years.

Free-Look Period: The policy has a free-look period of 15 days (for policies not purchased through distance marketing channels) and 30 days (for policies purchased through distance marketing channels).

How Can I Buy the HDFC Life Cancer Care Policy?

The HDFC Life Cancer Care policy can be purchased online through the following steps:

  1. Visit HDFC Life's website and look for HDFC Life Cancer Care under the 'Plans' section
  2. Scroll down and look for 'Why you need this plan?' section and click on 'Buy Now'.
  3. You will be redirected to a new web page where you will need to add your basic details such as First Name, Last Name, Date of Birth, Gender, Mobile Number, and email ID. Then click on 'Next'.
  4. On the next page, you will be asked to fill up your medical details, choose your Sum Insured, Policy Term, and Plan.
  5. After choosing all these details, click on submit and a premium will be generated.
  6. Pay the premium using any of the available payment modes, and the policy will be generated. If necessary, the company will also conduct a call to verify your medical details, post which your policy document will be finalized and emailed to you.

You can also purchase HDFC Life Cancer Care from Below are the steps for the same- 

  1. Look for 'Get Quotes From Top Insurers' on the top-right corner of this page.
  2. Fill out the details and click 'Continue'.
  3. Out of all the quotes, choose 'HDFC Life Cancer Care'.
  4. Pay the premium and the soft copy of the policy will be shared in your mail.

Claim Process of HDFC Life Cancer Care Policy

Like any other HDFC plan, the following three steps are involved in processing a claim:

1. As soon as the insured is diagnosed with cancer, all the following documents need to be submitted to the touch points of HDFC-

  • Claim form
  • Medical records, hospital records, diagnostic tests reports, etc
  • Original policy document
  • Residence proof
  • Advance discharge voucher
  • Attending physician statement
  • Family doctor certificate
  • PAN Card

2. Once the documents are submitted, the company will undergo the necessary scrutiny and may ask for more documents or information if necessary to meet its requirements.

3. After all the requisite documents are submitted, they will be verified and a decision will be taken based on the terms and conditions of the policy. This decision will be then communicated to the insured.

Frequently Asked Questions (FAQ's)

1. I had purchased an HDFC Life Cancer Insurance for my father who passed away last month due to the disease. We had opted for the platinum plan, so will the monthly income benefit be paid to me, as I am the nominee?

Yes. As per the terms of the policy, you will continue to receive the income benefit for the remaining term of the 5 years.

2. Does the HDFC Cancer policy have any death or maturity benefit?

No. The policy doesn't have death or maturity benefit, as the main purpose of the policy is to help with the treatment expenses.

3. Is there a waiting period and a survival period before I can file a claim under my policy?

Yes, a waiting period of 180 days is applicable from the date of the start of the policy. Also, a survival period of 7 days from the date of diagnosis is mandatory to file the claim.

4. What are the exclusions under the HDFC Cancer Care policy?

No claim will be paid if cancer has occurred due to any of the following reasons:

  • Sexually transmitted diseases
  • Pre-existing conditions
  • Congenital conditions
  • Intoxication by alcohol or drugs
  • Biological, nuclear, or chemical contamination

5. I had taken the HDFC Cancer Care policy last year, which got lapsed as I couldn't continue the policy due to financial reasons. Can I revive the policy now?

You can revive the lapsed policy within a period of 2 years from the last unpaid premium.

Last updated on 05-11-2020