With the alarming rise in incidence rates of cardiac ailments in India as well around the world and the rising costs of medical expenses, it is essential to have exclusive financial protection specifically designed for cardiac conditions and procedures. HDFC Life Cardiac Care is a comprehensive plan aimed at providing financial protection in case you are diagnosed with a cardiac condition or are undergoing a procedure as covered under the policy.


  • Protects you financially from an extensive list of heart ailments

  • Get adequate financial protection and be prepared for exigencies related to cardiovascular conditions

  • The plan offers you a Base Benefit along with the option to choose from Hospitalization Benefit, Indexation Benefit and Income Benefit

  • Tax benefits under Section 80D of the Income Tax Act 1961*

Please refer to the table below for the classification of the various conditions/procedures that are covered under the plan into 3 Groups that they belong to. The benefit payable shall depend on the Group where the condition belongs to as mentioned below:


Group A

(High Severity Condition)

Group B

(Moderate Severity Condition)

Group C

(Mild Severity Condition)

Benefit payable

(100% of Sum Insured)

(50% of Sum Insured)

(25% of Sum Insured)

Conditions or Procedures covered

First Heart Attack - of Specified Severity

Balloon Valvotomy or Valvuloplasty


Open Chest Coronary Artery Bypass Graft

Surgery to place Ventricular Assist Devices or Total Artificial Hearts

Minimally Invasive Surgery of Aorta

Open Heart Replacement or Repair of Heart Valves

Implantable Cardioverter Defibrillator (ICD)


Major Surgery of Aorta

Carotid Artery Surgery

Infective Endocarditis

Heart Transplant

Surgery for Cardiac Arrhythmia


Insertion of Pacemaker

Primary Pulmonary Arterial Hypertension

Pulmonary Thrombo Embolism

HDFC Life Cardiac Care offers you Base Benefit as described below. In addition to this benefit you also have the flexibility to choose from the following optional benefits:

Option A: Hospitalization Benefit

Option B: Indexation Benefit

Option C: Income Benefit

You may choose any one or more of the optional benefits at the inception of the policy; however once opted, the plan benefits cannot be changed later during the Policy Term.

Base Benefit:

  • In the event of occurrence or undergoing any of the conditions / procedures listed in the table above, you shall receive a fixed benefit equal to:

  1. 100% of the Sum Insured under Group A

  2. 50% of the Sum Insured under Group B

  3. 25% of the Sum Insured under Group C

  • You have the flexibility to claim for the same or different conditions / procedures (falling under Group B & Group C) subject to the exhaustion of 100% of applicable Sum Insured (plus Indexation Benefit, if any) and Cooling-off Period. (Please refer to the section on Cooling Off Period)

  • In the event of occurrence / undergoing more than one condition / procedure the claim shall be payable for only one condition

  • Benefit payable to you shall not exceed unclaimed Sum Insured. Unclaimed Sum Insured shall be calculated as follows:

    • Unclaimed Sum Insured = Original Sum Insured – Total Benefits paid out (since inception)

  • The policy shall terminate on earlier of

    • payment of 100% of Sum Insured against all valid claims and

    • expiry of policy term

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.

Hospitalization Benefit (HB):

  • In case you are hospitalized due to the occurrence of any of the covered and admissible conditions or have undergone any of the procedures as listed previously, the lump sum amount payable shall be as follows:

Benefit Type

Lump Sum amount payable per day

Maximum Number of days per policy year

Maximum Number of days throughout Policy Term


1% of Original Sum Insured (Maximum Rs 10,000)




2% of Original Sum Insured (Maximum Rs 20,000)



  • Non-ICU and ICU benefits shall be independent and subjective to their respective limits

  • The maximum claim limit during a policy year is limited to 10% of Original Sum Insured and maximum claim limit during the policy term is limited to 30% of Original Sum Insured for both Non-ICU and ICU benefits

  • In case, you have exhausted the maximum admissible limit under the Non-ICU benefit, Hospitalization Benefit (HB) shall continue with only the remaining limit under the ICU benefit and vice-versa

  • You may choose this option only at inception and the Benefit payable under Hospitalization shall be independent of the Base Benefit under this product

  • Benefit shall be payable only after a minimum of 24 hours of hospitalization due to one of the covered and admissible conditions as per the plan and for which the claim has been successfully admitted

  • In case you have also chosen the Indexation Benefit, this Benefit shall increase with an increase in the Original Sum Insured through Indexation. However, the maximum Benefit payable under Hospitalization Benefit shall be subject to the limits mentioned above

  • In case the Hospitalization Benefit gets exhausted, you shall need to pay premiums only towards the other benefits i.e. Base Benefit and Indexation Benefit and/or Income Benefit if applicable, effective from the immediate following policy anniversary

Indexation Benefit (IB):

  • If no claim has been made during the first policy year, the Original Sum Insured opted for at the inception of the policy shall increase by 10% p.a. starting from the first policy anniversary

  • The Sum Insured shall continue to increase till earlier of:

    • maximum of 200% of the Original Sum Insured opted at policy inception

    • any claim event (excluding claim for hospitalization benefit)

  • You may opt for this option only at policy inception

  • Once there is a successful admission of a claim (Mild, Moderate or Severe), there shall be no further increase in Original Sum Insured.

Income Benefit:

  • In event of occurrence/diagnosis of condition or procedure from those listed under Group A, you will receive 1% of Sum Insured opted at inception for a fixed period of 5 years

  • This benefit will be paid in addition to the base benefit and optional benefit (if any)

  • In case of the unfortunate event of death of policyholder during the income benefit period, the remaining payouts will be made to the nominee.

During the income period, future income payments or part thereof can be surrendered in exchange for a lump sum. This lump sum shall be the discounted value of the future income payments at the prevailing revival interest rate charged by the company.

Kindly refer to the Product Brochure for all details on the plan benefits.