Exit Intent Popup /Assets/Project/ABCL/images/close-button.svg

Get Guaranteed Returns After a Month^

Unlock the Power of Smart Investment!

*Min 3 characters
+91
*Please enter a valid 10 digit Mobile No.
Exit Intent Popup /Assets/Project/ABCL/images/close-button.svg
/Assets/Project/ABCL/images/Icon-Filled.svg

I agree to the Terms of Usage and Privacy Policy. By submitting my contact details here, I override my NDNC registration and authorize ABSLI to contact me by phone/e-mail/SMS/WhatsApp. Trade Logo "Aditya Birla Capital" displayed above is owned by ADITYA BIRLA MANAGEMENT CORPORATION PRIVATE LIMITED (Trademark Owner) and used by ADITYA BIRLA SUN LIFE INSURANCE COMPANY LIMITED (ABSLI) under the license. BEWARE OF SPURIOUS / FRAUD PHONE CALLS! 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. ABSLI Nishchit Aayush is a non-linked non-participating individual savings life insurance plan (UIN No 109N137V05)

/Assets/Project/ABCL/images/Icon-Filled.svg

Thank you

for your details.

We will reach out to you shortly.

Surgical Care Rider

3.5
Rated by 2 readers
Definition:
A surgical care rider3 is an additional cover that can be purchased along with a life insurance policy. This pays a lump sum to the insured to cover the cost of medically necessary surgery.
Description:
People save money for their future goals like funding a child's education. But nobody saves money for a surgery, because it is unwanted and unexpected. A life insurance policy doesn’t cover all the risks that one may possess. Changing lifestyles and rising critical illness counts are resulting in more surgeries every day. But does a vanilla life insurance policy cover the expense of a surgery? The answer is no! A life insured needs to have a rider named “surgical care rider” in force to cover the required medical surgery.

The surgical care rider enhances the coverage of the base policy by a nominal cost. It assures to pay a lump sum to fulfil the hospital expenses in case the life insured has to undergo surgery. Generally, policyholders add this rider to their term insurance policies because the cost of modern surgeries can result in a big dent in anyone’s finances. 

The life insured can file to receive the compensation under this rider if they are hospitalised for a minimum period of 24 hours. The premium required to keep this rider active remains the same throughout the policy years irrespective of the policyholder’s surgical requirements. This rider is known to cover major organ surgeries like brain, lungs, heart, or liver.
Example:
Anant purchased a Rs.1 crore term plan. He also bought a surgical care rider for Rs.10,00,000/-. The benefit amount chosen under the surgical care rider cover was Rs.25,000/- per day. One unfortunate day, Anant was admitted to the hospital for his liver surgery. The insurance company paid him Rs.25,000 per day benefit amount as he had the additional surgical care rider cover. This came as a benefit under the policy because otherwise the term plan would have not paid for the surgical care.
How much helpful you found for you?
3.5
Rated by 2 readers
3.5 / 5 ( 2 reviews )
Not Helpful
Somewhat Helpful
Helpful
Good
Best

Thank you for your feedback

Don’t forgot to share helpful information in your circle

Newly Added Terms

Newly Added Terms on Insurance Dictionary

Most Appreciated Terms

Most appreciated Terms on Insurance Dictionary
Buy Term Plan and secure yourself

Made up your mind

Buy right now in just 5 minutes.
icon BUY ONLINE

Thank you for your details. We will reach out to you shortly.

Thank you for your details.Currently we are facing issue in our system.

Buy ₹1 Crore Term Insurance @ just ₹542/month1
Min 3 characters
+91 phone
Please enter a valid 10 digit Mobile No.
*This field is required.
Buy ₹1 Crore Term Cover @ @Rs.492/month for Salaried Individuals¹
ABSLI DigiShield Plan
Life cover up to 100 years of age.
Joint Cover Option
Inbuilt Terminal Illness Benefit
Tax Benefit^
Return of Premium Option~
Life Cover
₹1 Cr.
Premium:
₹542/month1
  • Disclaimer

    ABSLI DigiShield Plan is a non-linked non-participating individual pure risk premium life insurance plan; upon Policyholder’s selection of Plan Option 9 (Level Cover with Survival Benefit) and Plan Option 10 (Return of Premium [ROP]) this product shall be a non-linked non-participating individual life savings insurance plan. UIN: 109N108V11
    ¹ ABSLI DigiShield Plan scenario: Female, non smoker, Age: 21 years, level Term Insurance, Premium paying Term: regular pay, policy term: 25 years, Pay frequency: Annual Premium of Rs. 6500/12 months (on average Rs. 542/month) Exclusive of GST (offline premium).
    2 Our life insurance policies cover COVID -19 claims under life insurance claims, subject to applicable terms & conditions of policy contract and extant regulatory framework.
    3 There are exclusions attached to the riders. Please refer rider brochure for more details.
    ADV/8/22-23/1306