SHRIRAM SMART SURAKSHA CARD - Suraksha apni jeb mein

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Cancer Statistics%

  • 210 Lakh

    YEAR 2030

  • 8.8 Lakh


  • 14.5 Lakh


  • Over 7 Lakh


  • 1 in 7 Deaths


  • 25%

    LINE (BPL)

  • 20%



Shriram Life Comprehensive Cancer Care Plan (UIN: 128N070V01) is a non-linked non-participating protection plan.
We work hard to provide the best to our family and aspire to improve our life style. We save money for future liabilities like higher education, marriage and others.

Sometimes uncertainties in family may have financial and emotional impact and needs special arrangements to deal with it.
With increase in diagnosis of cancer now-a-days, it is taking a toll on the financial stability of families. Uncertainties’ like Cancer today has greater chances of treatment with advancement in medical treatments.
While you take care of your family member Shriram Life provides you the financial aid to ensure that there is no limitation of funds.


  • Easy and convenient process to avail comprehensive cancer cover

  • In addition, a monthly income benefit of 2% of the sum assured from the date of critical stage cancer for a period of 5 years if Option 2 is chosen

  • Fixed Benefit on diagnosis of Cancer

    • Initial Stage: 25% of the Sum Assured on diagnosis of Initial Stage Cancer

    • Critical Stage: 100% of Sum Assured (less payments made if any for Initial Stage Cancer) on diagnosis of Critical Stage of Cancer.

  • Two Benefit options to choose from

    Plan Option / Benefit during Initial Stage Cancer Critical Stage Cancer
    Option 1 Lump sum Lump sum
    Option 2 Lump sum Lump sum + Income Benefit


18 to 55 Years



75 Years


₹ 5 Lakhs to ₹ 50 Lakhs


10 Years

15 Years

20 Years


  • Yearly

  • Half Yearly

  • Quarterly


Lump sum benefit

Lump sum + Monthly income benefit

I already have a mediclaim, why do I need a separate cancer plan?

The medical expenses incurred for cancer treatment may be very high, depending on the stage. Mediclaim cover may not be sufficient to cover the treatment expenses for Cancer and mediclaim policies offers only pre and post hospitalization expenses based on the bill amount.

This is a fixed benefit plan and offers lump sum pay-out at predefined stages as opposed to Mediclaim plans where the benefit pay-outs depends upon the expenditure incurred in hospital.

You have a period of 15 days as grace period from the premium due date for Quarterly and Half-Yearly modes and 30 days grace period from the premium due date for annual mode, to pay the premium. If a due premium is not received within the grace period, your policy will lapse and the insurance cover will cease.

If you are not satisfied with any of the terms and conditions of the Policy, you may return the Policy document along with a letter stating the reason for dissatisfaction within 30 days of receipt of the Policy document. Upon return of this Policy by You, this Policy will terminate and all rights, benefits and interests under this Policy shall stand extinguished.

Premiums are guaranteed for a period of 3 years. After every 3 Policy years, reviews will be carried out to determine whether the applicable premium will remain same or will change at the end of the guaranteed period. Premium revision will be applicable on approval from IRDAI. We will inform you about premium revision, if any at least 30 days in advance.

Please refer our Sales Brochure for details.

No, it is an individual insurance plan.

As per Sec. 39 nominee can be any person nominated by the policyholder. In most cases, nominees are immediate family members (spouse, children, father and mother). Other person can be nominated by mentioning the relation & reason.

In case the premiums are not paid within the Grace period, the policy will lapse and no benefits will be payable.

The Policyholder can apply for reinstatement of the lapsed policy within two years from the due date of the first unpaid premium. In case of reinstatement, the policyholder will need to pay all unpaid premiums plus interest.

No, you are not eligible for the plan if you have pre-existing Cancer.

Yes, you can take this plan if you consume tobacco, beedi, cigarette or gutka.

There is an initial waiting period of 180 days from the date of commencement of the Policy or from the date of reinstatement of the Policy, for diagnosis of cancer & valid claim to be admissible under this Policy.

You have the option of either uploading your documents on the website or sending it via courier to us.

Yes. Cancer Care Plans are different from regular life insurance plans. The differences are listed below:

Cancer Care Plans Critical Illness Insurance Health Care Plans
Reason to Buy
  • Covers all expenses of cancer

  • This is a benefit-based policy

  • Can use it to pay for your medical expenses or as a replacement of your monthly income

  • Benefit-based plan that provides lump sum benefit after a critical illness has been diagnosed

  • The amount can be used for treatment or recuperation expenses

  • This is a basic indemnity-based which means that the insurer reimburses hospital expenses or provide cashless treatment

  • Ideal for covering the rising cost of hospitalisation, treatments, diagnosis, medical aid, etc.

What Does It Cover?
  • SLIC offers the Cancer Insurance Plan that provides comprehensive coverage against all stages of cancer (Pre-stage, Early Stage and Major Stage)

  • Critical illness plans cover some common diseases/illnesses mentioned in the policy document. The pay-out is yours to spend

  • Covers actual medical and surgical expenses incurred by the insured. Coverage is restricted to hospital expenses only, with strict sub-limits for room rent, etc.

Who is it for?
  • Ideal for those individuals who identify the risks and understand the costs associated with cancer.

  • A cancer insurance policy should be purchased in addition to a basic health insurance policy. Start with a basic health insurance policy and add a specialised cancer insurance policy

  • Ideal for individuals who have a higher probability of developing a critical illness and can identify the risks and costs associated with such illnesses.

  • One should ideally start with a basic health insurance policy and then avail a critical illness plan for additional cover.

  • A basic policy that is a must for everyone. With rising overall healthcare costs, a health insurance policy should be given precedence before the other two. However, in case of a critical illness or cancer, a basic health insurance policy might prove to be inadequate. Hence the need to add critical illness and cancer cover.

Insurance Term
  • Available for long terms like 20+ years

  • Available for long terms like 20+ years

  • Needs to be renewed after every 1 or 2 years


Cancer is a life-changing disease. It is severe, difficult on patients & caregivers and very expensive to treat.
Given cancer touches everyone’s lives in one way or another, here are a few things you should know about this disease.

It cannot be treated effectivelyWhile it is true that cancer treatments come with no assurances, instances where traces of Cancer have been completely removed are not unheard of. Treatment also mitigates the spread of Cancer.
Chances of survival are lowWinning the battle against cancer is influenced by multiple factors. The type of cancer, its stage, patient’s age, overall fitness and medical history play a significant role in determining your survival against cancer. Timely detection and good post-operative care is known to result in complete remission in many cases.
Surgical removal of Cancer causes it to spreadA good oncology surgeon is extremely careful while taking a biopsy or carrying out a surgery. Most of the times some healthy tissue around the Cancer is also removed as a precaution. Some may take extra precautions if they are certain of the cancer recurring.
Cancer is a communicable diseaseA healthy person can never ‘catch’ cancer from a person who suffers from the disease. However, there are a few bacteria/infections that if transferred, could increase the risk.
Injuries cause CancerInjuries / Bruises do not cause cancer. There is a possibility that while treating an injury cancer may be detected, but it certainly is not the cause. Chronic inflammatory processes may at times increase the risk of certain cancers, but these instances only account for a small fraction of cases.
Nothing can be done to prevent CancerWhile there are no guarantees, a modified lifestyle can reduce the occurrence of cancer. Simple steps like, quitting tobacco, reducing alcohol consumption, exercising, protecting yourself from the sun etc. can easily reduce your vulnerability.
Breast cancerA lump in the breast, bloody discharge from the nipple and changes in the shape or texture of the nipple or breast.
Prostate cancerDifficulty in urination, but sometimes there are no symptoms at all.
Basal cell cancerThis cancer typically appears as a white, waxy lump or a brown, scaly patch on sun-exposed areas, such as the face and neck.
MelanomaA new, unusual growth or a change in an existing mole. Melanomas can occur anywhere on the body.
Colon cancerColorectal cancer symptoms depend on the size and location of the cancer. Commonly experienced symptoms – changes in bowel habits, changes in stool consistency, blood in the stool and abdominal discomfort.
Lung cancerA cough (often with blood), chest pain, wheezing and weight loss. These symptoms often don’t appear until the cancer is advanced.
LeukemiaMany patients with slow-growing types of leukemia don’t have symptoms. Rapidly growing types of leukemia may show signs of fatigue, weight loss, frequent infections and easy bleeding or bruising.
LymphomaSymptoms include enlarged lymph nodes, fatigue and weight loss.

Statistics show that one in three women will get cancer in their lifetime. Breast cancer cases are on the rise and survival rates are dismal. Majority of the cases are due to late detection and lack of awareness. Although both men and women are affected by cancer, they experience cancer’s impact differently, from the side effects they deal with, to the decisions they make about their care.

Most common causes of mortality:

  • Ignoring symptoms

  • Irregular check-ups

  • Late detection

  • Lack of good post-operative care

Symptoms women shouldn’t ignore:

  • Bloating

  • Depression

  • Breast Changes

  • Heartburn

  • Skin Changes

  • Fatigue

  • Changes in lymph nodes

  • Trouble Swallowing

  • Blood in Urine / Stool

  • Weight Loss

Very often while playing the role of the primary caregiver for their loved ones and family, women tend to forget themselves. And when they do realise something is wrong, it is often too late. Women are central to our societies and communities and their wellness should be of utmost importance.

–When you come to the end of your rope, tie a knot and hang on!!–

Doing what you can to help prevent cancer is your best defense. Knowing about cancer and what you can do to help reduce your risk of it can help save your life. Early detection is of utmost importance. Finding cancer early, before it has spread, gives you the best chance to do something about it.

Reducing your risk against cancer:

  • Stay away from tobacco and reduce alcohol consumption: Research has shown that smoking causes lung cancer while those who chew tobacco are at a major risk for oral cancer. Alcohol consumption should also be limited.

  • Eat healthy: A well balanced diet with plenty of fruits and vegetables will help take care of nutrition requirements and reduce your risk.

  • Protect your skin: The sun’s UV rays are harmful and can cause skin cancer. Make sure you use a sunscreen when you are stepping out for prolonged periods in the sun.

  • Exercise regularly: Regular exercise will prepare your body to fight against anything that should come its way. Cancer is a lifestyle disease and staying active will help reduce your risk.

  • Reduce your weight and stay healthy: Risk of cancer is known to go up with obesity.

  • Know yourself, your family history, and your risks

  • Get regular check-ups and cancer screening tests

Reducing your Financial Risk:

The economics of cancer care is daunting. Cancer is known to wipe out savings of entire families given the expensive treatment and the length of time one is required to be in medical care. One of the ways to prepare for this is to buy a cancer insurance plan that will mitigate some of the financial risks.

  • Cost of cancer care:

    • Cancer treatment could start at ₹ 2.5 lakh for six months of treatment, with some of the lowest priced generic drugs in the world, and could go upto as much to as ₹ 20 lakh, with novel drugs and targeted medicines.

    • In addition to treatment cost, out of pocket expenses are known to skyrocket due to travel, hospital stays, and other expenses. Loss of income because of work days lost further adds to the burden.

    • Cost of diagnostics (CT Scans, PET Scans, MRIs, biopsy) is high and treatment costs are out of reach for many if it is detected late.

  • Understanding some key aspects of cancer insurance:

    • Common to all plans
      The lump sum payout at any stage will be reduced to the extent of any payouts at an earlier stage. For example, if 100 percent of the sum insured is payable in the major stage, then the 25 percent paid in the early stage will be deducted before this major state payout is made, i.e., only 75% of the sum insured would get paid at this stage. Also, there is no death benefit but if a patient dies within the waiting period, 100 percent of the premium is refunded to the family.

    • Policy term
      An important feature to consider while choosing a plan is what is its maximum term? Most cancer plans have the maturity age fixed at 75. But the maximum term can make a big difference in the decision.

    • Increasing medical costs
      An The increased sum insured is called the indexed sum insured as the annual increase is indexed to the initial sum insured. Though the premium could be higher for such a plan, it does ensure taking care of the escalating medical costs.

    • Premium paying term
      The premium paying term will depend on your appetite. Most plans allow you to compute a premium that suits you by using a premium calculator.

When you have cancer:

After your cancer treatment, as a cancer survivor you’re eager to return to good health. But beyond your initial recovery, there are ways to improve your long-term health so that you can enjoy the years ahead as a cancer survivor. The recommendations for cancer survivors are no different from the recommendations for anyone who wants to improve his or her health: Exercise, eat a balanced diet, maintain a healthy weight, avoid tobacco and limit the amount of alcohol you drink. But for cancer survivors, these strategies have added benefits. These simple steps can improve your quality of life, and smoothen your transition back to wellness. Here’s what you can do to take care of yourself after cancer treatment.

  • Stay physically active:

    • Regular exercise increases your sense of well-being after cancer treatment and can help with speedy recovery.

    • Cancer survivors who exercise may experience:
      -Increased strength and endurance
      -Fewer signs and symptoms of depression
      -Less anxiety
      -Reduced fatigue
      -Improved mood
      -Higher self-esteem
      -Less pain
      -Improved sleep

    • Adding physical activity to your daily routine doesn’t take a lot of extra work. Focus on small steps to make your life more active. Take the stairs more often or park farther from your destination and walk the rest of the way. Check with your doctor before you begin any exercise program. With your doctor’s approval, start slowly and work your way up. The American Cancer Society recommends adult cancer survivors to exercise for at least 30 minutes five or more days a week. As you recover and adjust, you might find that more exercise makes you feel even better.

    • Sometimes you won’t feel like exercising, and that’s OK. Don’t feel guilty if lingering treatment side effects, such as fatigue, keep you sidelined. When you feel up to it, take a walk around the block. Do what you can, and remember that rest also is important to your recovery.

  • Eat a Balanced Diet:

    • Vary your diet to include lots of fruits and vegetables, as well as whole grains. The American Cancer Society recommends that cancer survivor eat at least 2.5 cups of fruits and vegetables every day. Choose healthy fats, including omega-3 fatty acids, rather than saturated fats or trans fats. Select proteins that are low in saturated fat, such as fish, lean meats, eggs, nuts, seeds and legumes. Opt for healthy sources of carbohydrates, such as whole grains, legumes, and fruits and vegetables This combination of foods will ensure that you’re eating plenty of the vitamins and nutrients you need to help make your body strong.

    • While it may be tempting to supplement your diet with a host of vitamin and mineral supplements, resist that urge. Some cancer survivors think that if a small amount of vitamins is good, a large amount must be even better. But that isn’t the case. In fact, large amounts of certain nutrients can hurt you. If you’re concerned about getting all the vitamins you need, ask your doctor if taking a daily multivitamin is right for you.

  • Maintain your weight:

    • You may have gained or lost weight during treatment. Try to get your weight to a healthy level. Talk to your doctor about what a healthy weight is for you and the best way to go about achieving that goal weight. You and your doctor can work together to control nausea, pain or other side effects of cancer treatment that may be preventing you from getting the nutrition you need.

Caregiving can be overwhelming. Here are a few things that could help:

  • Actively seek help when needed. Speak to someone who has been through the struggle, or go through counselling.

  • Make lists of tasks to be done; Keep patient’s papers, documents and receipts in order.

  • Organise your finances, and pay attention to post-operative care instructions.

  • Understand insurance documentation and claim procedures from insurance company or employer.

  • Try to stay positive and don’t forget about yourself!




Benefits will be paid provided all the premiums are paid and the policy is in force.

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

IRDAI Regn No. 128
CIN: U66010TG2005PLC045616

IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

The Trade Logo displayed above belongs to Shriram Value Services Limited (“SVS”) and used by Shriram Life Insurance Company Limited under a License agreement.”

ARN – SLIC/Elec/Dec 2020/50