If you are hospitalised for undergoing medically necessary surgery in India for a minimum period of 24 hours and actually undergo that surgery, a lump sum benefit will be paid. You can choose your benefit amount from Rs.3,000 to Rs.30,000. The rider sum assured will be 50 times this benefit amount.
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Major Surgery
For a surgery that directly involves brain, heart (including coronary arteries), liver or lung the benefit amount will be five times the chosen benefit amount.
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Other Surgery
For any other valid surgical hospitalisation the benefit will be equal to the chosen benefit amount.
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Policy Limits
You can claim upto 10 times the chosen benefit amount in one policy year and upto 50 times the chosen benefit amount in the entire policy term.
There are exclusions attached to this Rider. The life insured will not be entitled to any benefits if the surgery is directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the conditions mentioned in the brochure in exclusion section. For more details on exclusions, please read Rider brochures or visit our website before concluding sale.
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Entry Age
18 – 65 years Maximum age at the end of rider term is 70 years
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Pay Mode
Same as base plan
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Premium Paying Term
Same as base plan (Minimum: 5 years & Maximum: 52 years)
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Rider Sum Assured
Minimum Rs.1,50,000 | Maximum Rs.15,00,000 subject to maximum of 100% sum assured of the base plan
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Rider Term
Same as that of the base plan or till the attained age 70 of the life insured, whichever is earlier (Minimum: 5 years & Maximum: 52 years)
We will offer a discount of 5.00% in rider premium p.a. to customers who buy directly from our website.
You may opt for this rider only at the time of policy issue.
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Disclaimers
This rider is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This single pager contains only the salient features of the rider. Tax benefits are subject to changes in the tax laws. For further details please refer to the rider policy contract or call your ABSLI Insurance Advisor or visit our website and see how we can help in making your dreams come true. For more details on risk factors, terms and conditions, please read the rider sales brochure carefully before concluding the sale.Aditya Birla Sun Life Insurance Company Limited (Formerly Birla Sun Life Insurance Company Limited) Registered Office: One World Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400013. IRDAI reg no.109 CIN: U99999MH2000PLC128110 ADV/12/19-20/1318 VER1/DEC/2019
UIN: 109B015V03
