You never know when an accident can befall you, and lead to unfortunate circumstances. By definition, an Accidental Death is a traumatic death caused solely due to an accident, occurring independently of any other causes and within ninety (90) days of such trauma, proved to the satisfaction of the insurer.

It is a sudden situation, which can often leave your loved ones scrambling to make arrangements for their future. By opting for this Rider, you can make sure your loved ones get financial security in these unforeseen circumstances.

The entry age for this rider spans between the age of 18 till 65. This rider looks out for your family’s financial needs in case of an accident causing your unfortunate demise. The policy term for this rider ranges between 5 to 52 years with maturity age between 23 to 70 years. You can carry out your payments through options like Single Pay, Regular Pay and Limited Pay but the frequency of these payments must match your selections in the base plan. The annual premium amount for this rider is Rs. 0.50 (excluding service tax) for a Sum Assured of Rs. 1000. The minimum Sum Assured received from this rider is Rs. 10,000, while there is no limit on the maximum Sum Assured value, subject to Reinsurance capacity.

This Rider is available on purchase of Active Income, GCAP, Income Builder and Cash Flow Protection Plus.

Accidents are unpredictable and can have long-lasting impacts. In case you are left with a total and permanent disability due to an accident, it can affect your ability to continue your occupation and can hamper your efforts to provide for your loved ones. This Rider provides aid in the form of a lump sum amount, so you can manage your expenses. It comes into effect after 180 days of your condition being presented.

The entry age for this rider can range between 18 to 65 years. This rider provides financial security in case of total and permanent disability caused by an accident. The policy term for this rider ranges between 5 to 52 years with maturity age between 23 to 70 years. You can carry out your payments through options like Single Pay, Regular Pay and Limited Pay but bear in mind that the frequency of these payments must match your selections in the base plan. It is important to note that the total rider premiums should not exceed 30% of the base plan premium. The minimum Sum Assured received from this rider is Rs. 1,00,000, while there is no limit on the maximum Sum Assured value, subject to Reinsurance capacity . However, the maximum sum assured cannot exceed the value of the Sum Assured of the base plan. 

You are one of the pillars of support for your loved ones, but unforeseen circumstances can take you away from them. In such cases, it is important to make arrangements for your family, so their future is protected. Thus, this Rider helps provide them with a monthly income so they can manage their expenses when you’re no longer around to support them.

With an entry age spanning from 18 to 65 years, this rider’s term can last anywhere between 5 to 52 years. The maturity age is between 23 to 70 years of age. The minimum premium amount for this rider is Rs. 101 and the maximum amount is based on age, gender, policy term, premium paying term and Sum Assured. Bear in mind that this amount cannot exceed beyond 30% of your base plan’s premium. You can choose different payment options like Single Pay, Regular Pay and Limited Pay to purchase this rider, but this frequency will depend on the choice you have made in your base plan. The minimum Sum Assured you will get from this optional benefit is Rs. 75,000. There is no limit on the maximum Sum Assured value.  On death of the life assured, a monthly death benefit amount equal to 1% of the sum assured would be paid for the next 150 months to his or her family.

Unforeseen circumstances like diagnosis of a critical illness or disability can have long-reaching effects. It can change your lifestyle and can have an adverse effect on your everyday processes. This Rider provides assistance in such a case - diagnosis of one of listed critical illnesses, a total and permanent disability caused by an accident or death. In such a case, all your remaining premium payments will be waived off and your policy benefits will continue unaffected. This Rider is applicable on plans where the life insured and proposer of the policy are different people.

This optional benefit has an entry age of 18 to 65 years and its maturity age is 70 years. Your payment frequency and term for this rider should coincide with the selection made for the base plan. The minimum premium amount you will have to pay is Rs. 3.40, while the maximum premium will be restricted to 30% of the base product premium. The minimum premium amount that will be waived off through this rider is Rs. 1000, whereas there is no limit for the maximum premium amount.

This Rider covers the following critical illnesses - Cancer of Specified Severity, Open Chest CABG, Myocardial Infarction (First Heart Attack of specific severity), Open Heart, Replacement OR Repair of Heart Valves, Kidney Failure Requiring Regular Dialysis, Third Degree Burns, Major Organ / Bone Marrow Transplant, Permanent Paralysis of Limbs, Stroke Resulting in Permanent Symptoms, Surgery of Aorta, Coma of Specified Severity and Blindness. This Rider offers a 15-day Free Look period and the Grace Period is the same as the base plan.

This rider can be added only if Family Income Benefit is not selected.