The only thing certain about life is its uncertainty. And illnesses can strike anyone at anytime. Today with the spiraling costs of medication, the financial burden of getting treated for any major illness or getting surgery done, can be debilitating. This is precisely why you need the assurance of our "Critical Illness Plus" Rider that covers 17 different illnesses.

This rider takes care of any financial burden along the way, while you are busy meeting the challenges of life. If you were to fall prey to any of the major illnesses, money shall be the least of your worries.

We will pay the Coverage Face Amount to you in the event the Life Insured:

Is diagnosed to be suffering from one of the conditions specified in the Insured Critical Conditions provision in this Rider Coverage and

Survives the Insured Critical Condition for a period of at least 30 days from the date of diagnosis.

While the Rider Coverage is in effect and provided that we receive evidence satisfactory to us, in our sole discretion, of:

The diagnosis the Life Insured is suffering an Insured Critical Condition meeting the criteria as described in the Insured Critical Conditions provision; and

Any other facts, which we may consider as material to the claim.

10, 15, 20, 25, 30 years and to age 50, 55, 58, 60, 65.

The minimum Face Amount is Rs. 50,000.
The maximum Face Amount permissible, will be equal to that of the base policy or Rs.10 lacs, whichever is lower.

18 - 50 yrs.

65 yrs. of the Life Insured

For the 10 yr. term - 10 pay.
For the 15 yr. term - 10 pay, 15 pay.
For the 25 yr. term - 10 pay, 15 pay, 20 pay, 25 pay.
For the 30 yr. term - 10 pay, 15 pay, 20 pay, 25 pay.
To age - 50,55,58 -till maturity.
To age - 60, 65 -10 pay, 15 pay ,20 pay, 25 pay & to maturity.

Same as that of the Base Policy.

The Face Amount.

Nil.

The rider may be added or deleted to the base policy at any time subject to the then current administrative and underwriting rules.

The Critical Illness Plus rider will terminate at the earliest of:

The death of a portion of the heart muscle as a result of inadequate blood supply and being evidenced by all three of the following:
A history of typical prolonged chest pain; and
New electrocardiograph (ECG) changes; and
Significant elevation of cardiac enzymes above accepted laboratory levels of normal.

Stroke is a cerebrovascular accident or incident producing permanent neurological deficits lasting more than 30 days, as verified by a consulting neurologist or specialist approved by the Birla Sun Life Insurance.

A malignant tumour characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue.

The undergoing of open-heart surgery or keyhole surgery on the advice of a consultant cardiologist, to correct narrowing or blockage of one or more coronary arteries with insertion of bypass graft(s).

The total and chronic irreversible failure of both kidneys necessitating continuous renal dialysis at least for 180 days in the opinion of a specialist approved by the Birla Sun Life Insurance.

The actual undergoing, as a recipient of a transplant of a heart, lung, pancreas (excluding the transplant of Langerhans cells alone), liver or kidney. The transplantation must have been necessary to treat irreversible end-stage failure of the relevant organ and the Life Insured must be accepted in a transplant program satisfactory to Birla Sun Life Insurance.

Undergoing of surgery for disease of the aorta needing excision and surgical replacement of a portion of the diseased aorta with a graft.

The undergoing of open-heart valve surgery, performed to replace or repair one or more heart valves, as a consequence of defects in, abnormalities of, or disease-affected cardiac valve(s).

Total and irreversible loss of use of two or more limbs through paralysis as a result of injury or disease of the spinal cord.

Total, permanent and irreversible loss of all vision in both eyes as a result of illness or accident.

A benign brain tumour means a tumour that is in the brain or meninges excluding the skull, spinal cord. Cysts, abscesses, malformations in the arteries or veins of the brain, haematomas are excluded. Pituitary microadenomas less than 10 mm. in diameter are also excluded.

Motor neurone disease diagnosed by a consultant neurologist acceptable by the BSLI, as spinal muscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis or primary lateral sclerosis.

A definite diagnosis by a consultant neurologist holding an appointment as such in a major hospital, which satisfies the two criteria (as mentioned in the detailed definitions).

A state of unconsciousness with no reaction or response to external stimuli or internal needs persisting continuously and requiring intubation and mechanical ventilation to sustain life for a period of at least 96 hours.

End stage liver failure as evidenced by all of the following:

End stage lung disease including interstitial lung disease causing chronic respiratory failure and evidenced by criteria as mentioned in the detailed definitions.

Bone Aplastic anemia is defined as total permanent bone marrow failure which results in granulocytes less than 500 cells per microlitre, anaemia with corrected reticulocyte count less than 1 %, platelet count less than 20000 cells per microlitre and markedly hypoplastic bone marrow with depletion of hematopoietic cells with <20% cellularity.