3- HDFC Standard Life Insurance Co. Ltd - Critical Illness Insurance
HDFC SurgiCare Plan
In the fast paced lives that we lead, medical contingencies may arrive at our doorstep uninvited.Surgery costs form a substantial portion of health care expenditure and needs to be provided for. Health issues can get compounded if left unattended and may require a surgery. Plus, the ever increasing costs of surgical procedures are sure to burn a hole in our pockets.
HDFC SurgiCare Plan provides you with timely support in case you have to undergo a major surgery and hospitalisation, as the case maybe, ensuring your financial independence at all times.

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  • 82 major surgical procedures are covered.
  • Option to include hospital cash benefit
  • Automatic increase in the level of health cover (subject to terms and conditions) ensures that the increasing medical costs are taken care of.
  • Lump sum benefits are paid regardless of the actual medical expenses.
  • The policy continues even after the after the payment of first or subsequent surgical procedures, subject to terms and conditions as stated in the policy brochure.
  • Flexibility to tailor-make the policy by choosing level of health cover, benefit options level and premium payment as per your needs.
  • Convenient and hassle free claims with cashless benefits on surgeries and hospitalization in any of the network hospitals.
  • Tax benefits can be availed under section 80D of the Income Tax Act, 1961
Policy covers you against 82 surgical procedures. The details of these surgeries can be obtained from the policy brochure. Sum Assured can be any amount subject a minimum of Rs. 1 lakh and a maximum of Rs. 5 lakhs. The initial sum assured automatically increases by 5 percent every year subject to a maximum escalation to the extent of 150 % of the original sum assured. (Original sum assured of Rs 100000 will escalate by Rs.5000 every year. Escalations will continue till the sum assured reached Rs 150000. No escalations will happen beyond sum assured Rs. 150000) All claims under the policy are settled by our appointed TPA. The policy holder will be provided with a 24 hours call centre facility, which can be availed to find information regarding cashless and hospitalization facility.An updated list of the networked hospital is also available with the TPA. For more information,log on to https://www.ttkhealthcareservices.com You have the following benefit options while purchasing the plan. Option A- Surgical Benefits & Hospital cash benefit Option B- Only Surgical Benefit. The premium under the plan depends on your age,sum assured, gender,policy term, premium payment frequency and additional benefit opted for. The minimum amount of installment premium is Rs 2000 for half yearly and yearly frequencies and Rs 1000 for monthly frequency.Premium for the half yearly and monthly frequency should be paid by ECS/SI only.Please note that the rate of premium is guaranteed for the first three years and will be reviewed subject to IRDA approval. Any reviewed premium will be further guaranteed for a period of three years from the date of review. Sum assured of greater than Rs 2 lakh is entitled to for premium discounts of 35 percent on cover in excess of Rs 2 lakh. Your policy does not terminate after the payment of first or subsequent surgical procedures. Termination takes place only if the total payout reaches 300 percent of the sum assured or the term of the policy ends.Please note that the limit is set on the percentage and not the absolute amount paid. The minimum entry age is 18 years and maximum age is 50 years. You can choose a minimum term of 7 years and the maximum term is 20 years. This plan can be taken only on a single life basis. There is no benefit payable on maturity of the policy. There is no benefit payable on the death of the insured but in case of unfortunate demise of the life assured, before settling any existing claims; the nominee/beneficiary will be paid the claim amount. There is neither any benefit payable on surrender nor there is any paid- up benefit payable under this plan. The policy can be revived within a year of lapsing, after paying the premium arrears and revival charges.A policy revival may entail a medical test or provision of health statements.Only one revival is permissible during the entire term of the policy.