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Critical Illness - Woman Rider |
Woman Is The Full Circle. Within her is the power to create , nurture and transform
Today you are creating your own benchmarks . Birla Sun Life Insurance salutes your spirit and achievements by initiating the "Critical Illness- Woman Rider ". It is exclusively designed keeping your needs and lifestyle in mind.
While your base plan offers you the important benefit of a life insurance cover , this rider could be one of the most valuable additional features of the plan.
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Riders |
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 Entry Age |
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20 - 50 yrs.
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Age at Maturity |
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65 years of the Life Insured.
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Maximum & Minimum Face Amount |
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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
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Term/Duration of the Rider (years) |
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10, 15, 20, 25, 30 years and to age 50, 55, 58, 60, 65.
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Premium Payment Period* |
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For the 10 yr. term - 10 pay.
For the 15 yr. term - 10 pay, 15 pay.
For the 20 yr. term - 10 pay, 15 pay, 20 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, 30 pay
Till ages 50, 55, 58, 60, 65 years - Regular pays i.e. till maturity.
Till ages 60, 65 years - 10 pay, 15 pay, 20 pay, 25 pay. (The term of the Rider will not exceed that of the Base policy)
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Premium Payment Mode |
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Same as that of the Base Policy.
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Addition /Deletion of Rider |
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The rider coverage may be added to the base policy at any time subject to BSLI's then current administrative and underwriting rules. Once added this Rider Coverage cannot be deleted. |
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The detailed list of illnesses covered are as under: |
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Primary Illnesses |
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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: |
- Heart Attack
- Stroke
- Cancer
- Surgery to Coronary Arteries
- Kidney Failure (End Stage Renal Disease)
- Major Organ Transplantation
- Aorta Graft Surgery
- Heart Valve Surgery
- Paraplegia
- Blindness
- Benign Brain Tumour
- Motor Neurone Disease
- Multiple Sclerosis
- Coma
- End Stage Liver Disease
- End-stage Lung Disease
- Aplastic Anaemia
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Specific Illnesses |
- Severe Rheumatoid Arthritis
- Severe Systemic Lupus Erythematosis
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Pregnancy Complications |
- Ectopic Pregnancy Surgery
- Hydatiform Mole
- Uterine Rupture
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Congenital Anomalies in Newborn Child |
- Down's Syndrome
- Spina Bifida
- Oesophagal Atresia and Tracheoesophagal Fistula
- Anal Atresia (imperforate anus)
- Cleft Palate
- Club Feet
- Tetralogy of Fallot
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