Cardiac Care
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HDFC Life Cardiac Care
HDFC Life Cardiac Care
UIN : 101N117V03 | Launch Date : 09/12/2021A Health Plan that has its heart in the right place
Covers 18 heart ailments
Premium waiver1
Opt for Hospitalization Benefit2
1800-266-9777
(All Days, from 9am to 9pm, Toll Free)
Why HDFC Life Cardiac Care?
A Non Linked Non Participating Health Insurance Plan to protect you financially from an extensive list of heart ailments
Get fixed lump sum payout irrespective of the actual expenses incurred for diagnosis/procedure.
Make Multiple Claims for same or different conditions or procedures1.
Indexation benefit to stay ahead of medical inflation.
Tax benefits as per prevailing tax laws2.
Get fixed lump sum payout irrespective of the actual expenses incurred for diagnosis/procedure.
Make Multiple Claims for same or different conditions or procedures1.
Indexation benefit to stay ahead of medical inflation.
Tax benefits as per prevailing tax laws2.
1. Claims of same or different conditions / procedures can be covered subject to the exhaustion of applicable Sum Insured.
2. Tax Benefits are subject to change as per Income Tax Act, 1961. Please check with your financial advisor for more details.
1. Claims of same or different conditions / procedures can be covered subject to the exhaustion of applicable Sum Insured.
2. Tax Benefits are subject to change as per Income Tax Act, 1961. Please check with your financial advisor for more details.
Multiple Benefits. Same Plan
HDFC Life Cardiac Care Plan covers hospital expenses and beyond
Choose any one or a mix of benefits based on your requirement
- Base Benefit
- Hospitalisation Benefit
- Indexation Benefit
- Income Benefit
Base Benefit
Base Benefit
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In the event of occurrence or undergoing any of the conditions / procedures1, you shall receive a fixed benefit equal to:
- 100% of the Sum Insured under Group A1
- 50% of the Sum Insured under Group B1
- 25% of the Sum Insured under Group C1
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You have the flexibility to claim for the same or different conditions / procedures (falling under Group B & Group C)1 subject to the exhaustion of 100% of applicable Sum Insured (plus Indexation Benefit, if any) and Cooling-off Period1
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In the event of occurrence / undergoing more than one condition / procedure the claim shall be payable for only one condition
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Benefit payable to you shall not exceed unclaimed Sum Insured2
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The policy shall terminate on earlier of payment of 100% of Sum Insured against all valid claims and expiry of policy term
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In addition to the Base Benefit, on valid claim for any covered condition falling under Groups B&C, future premiums for both base benefit & optional benefit (if any) shall be waived
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Disclaimer:
- For the details on the benefit structure basis the groups, cooling off period, please refer the product brochure
- Unclaimed Sum Insured shall be calculated as follows: Unclaimed Sum Insured = Original Sum Insured – Total Benefits paid out (since inception)
For complete details, please read the Product brochure.
Check Eligibility Criteria
Before buying HDFC Life Cardiac Care Plan
ELIGIBILITY CRITERIA
Eligibility Criteria |
|
|---|---|
Minimum Entry Age (Last birthday) |
18 Years |
Maximum Entry Age (Last birthday) |
65 years |
Minimum Maturity Age (Last birthday) |
23 years |
Maximum Maturity Age (Last birthday) |
Single Pay: 70 years, Regular Pay: 75 years |
Policy Term |
Single Pay: Only 5 years, Regular Pay : 5 to 40 years |
Premium Payment Frequency |
Single Pay, Regular Pay (Equal to the Policy Term) |
Premium Payment Mode |
Single Premium, Annual, Half-yearly, Quarterly and Monthly |
Sum Insured (At policy inception)1 |
Minimum ₹ 2,00,000 |
Maximum ₹ 50,00,000 |
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Premium2 |
Minimum Regular Pay ₹ 357.40 Single Pay ₹ 1313.20 |
Maximum Regular Pay ₹ 6,55,860 Single Pay ₹ 14,43,435 |
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1. The Maximum Sum Insured may increase subject to the Indexation Benefit
2. The premium amount is exclusive of Taxes and other levies and underwriting extra premium, if any.
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Frequently Asked Questions
We’ll tell you everything you need to know about HDFC Life Cardiac Care
1 What is the HDFC Life Cardiac Care Policy?
HDFC Life brings to you HDFC Life Cardiac Care, a comprehensive cardiac care plan that provides financial protection for 18 cardiac conditions of three degrees of severity – mild, moderate and high. In addition, the plan also offers unique features like:
Waiver of premium for outstanding term in case of claim for a mild/moderate severity condition
Option to choose hospitalization benefit which provides lump sum benefit in case of hospitalization
Multiple claims for the same or different condition subject to exhaustion of applicable sum assured
2 Why do I need the HDFC Life Cardiac Care Policy?
Cardiac ailments are on the rise and can affect anyone, anytime. In addition to the lengthy course of treatment, cardiac ailments can also impact one’s finances. In order to ensure that you protect not only yourself, but also your family, HDFC Life brings to you HDFC Life Cardiac Care; a specialized plan that aims at taking care of any cardiac related financial emergencies and ensure that instead of worrying about your family or finances, you can concentrate on getting better.
3 What are the different plan options available for this product?
Cardiac Care is a fixed benefit plan that offers a Base Benefit under which you receive lump sum benefit for any of the covered conditions. The benefit amount payable varies depending on the severity of the condition. In addition the plan offers the following optional benefits:
Hospitalization Benefit – lump sum benefit payable in case of hospitalization due to covered condition
Indexation Benefit – 10% increase in sum assured for every claim free year after first policy year
Income Benefit – 1% of sum assured paid as monthly income for 5 years in case of claim for condition of high severity.
The customer may opt for a single option or multiple options in any possible combination under this plan. The optional benefits need to be selected at inception of the policy. All benefits payable under the optional benefits are over and above the base benefit and will not impact the base sum assured.
4 What are the conditions that are covered under Cardiac Care?
Please refer policy brochure
5 What is the benefit payable under each category/severity?
The following benefit is payable for claim under the following category:
High Category – 100% of Sum Insured
Moderate Category – 50% of Sum Insured
Mild Category – 25% of Sum Insured
The benefit will be payable till exhaustion of the applicable sum insured under the policy.
6 How long does the indexation benefit continue?
Indexation benefit continues till the original increased sum assured reaches 200% of original sum assured or claim occurs whichever is earlier.
7 Are the benefits for ICU & Non-ICU rooms under hospitalization benefit independent ?
Yes. The ICU & Non-ICU benefits payable under the hospitalization benefit are independent of each other and will be subject to their respective limits. In case limit for one room type is exhausted, the limit under the second room type will continue. e.g. If the benefit for ICU benefit is exhausted, the benefit for Non ICU room will continue.
8 What is the Waiting Period & Survival Period applicable for Cardiac Care ?
Waiting Period
On inception:
A waiting period of 180 days shall apply from the date of risk commencement.
On revival:
- If the policy is revived within 60 days of premium due date, only the remaining part of waiting period, if any will apply.
- If the policy is revived after 60 days of premium due date, full 180 days waiting period will apply afresh
Survival Period
A survival period of 30 days from the date of occurrence of covered condition is applicable for this plan.
9 What is the Cooling Off period applicable for Cardiac Care ?
Please refer policy brochure
10 Is there any death benefit for this plan?
HDFC Life Cardiac Care plan aims to aid the expenses incurred due to any cardiac condition/procedure. Hence its benefits are linked to diagnosis and treatment of disease and no death benefit is payable.
11 Is there any maturity benefit for this plan?
No, there is no maturity benefit available under this plan.
12 Is there any Surrender benefit for this plan ?
Surrender Benefit is payable only in case of single pay option under this plan. In case of surrender, the surrender value payable will be
60% x (Single Premium – U/W cost) x (1 – M/P)
where,
UW cost: Rs. 2,750 for medically underwritten life
M: policy month of surrender
P: policy term in months
13 Is there any tax benefit available for this plan?
Tax Benefits under Section 80D of Income Tax Act, 1961 are applicable for premiums paid towards this plan.
Please note tax benefits are subject to change in tax laws.
T&C*
- Premiums for outstanding term waived off after first claim of moderate/mild severity.
- Lumpsum payout incase of hospitalization due to any of the covered conditions up to 30 days and 15 days of Non-ICU and ICU hospitalization respectively. This benefit needs to be opted for at inception and is available at an additional premium.
ARN: EU/07/21/24444