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Untitled Document In today's time Cardiac and Renal illnesses are on rise due to eating habits, change in life style and everyday stress. Aditya Birla Sun Life Insurance Co. Ltd. introduces ABSLI CritiShield Plan that protects your savings and lifestyle against sudden higher expenses from heart & kidney ailments.
Secure Plus Plan

In today's time Cardiac and Renal illnesses are on rise due to eating habits, change in life style and everyday stress. Aditya Birla Sun Life Insurance Co. Ltd. introduces ABSLI CritiShield Plan that protects your savings and lifestyle against sudden higher expenses from heart & kidney ailments. These diseases demands more money than hospital bills, so therefore the lumpsum amount from ABSLI CritiShield Plan protects you and your loved ones from any adversity.
 
KEY FEATURES OF THE PLAN
 
  • Covers all stages of cardiac conditions and renal conditions
  • Option to choose coverage for cardiac conditions or renal conditions or both the conditions
  • Option to choose Level or Increasing Cover
  • Option to receive Monthly Income for 5 policy years on diagnosis of major stage conditions
  • Waiver of Premium for 5 years on diagnosis of early stage conditions
 
 
HOW DOES YOUR PLAN WORK
 
 
Step 1
Choose your Sum Assured, Plan Benefit and Plan Option
 
 
Step 2
Choose your Policy Term

Step 3

Choose the Income Benefit Option
 
 
Step 4
Fill Application Form and Pay Premiums

 

ILLUSTRATION
 
 
Lets take an example
 
Mr. Arun, aged 35 years works for an MNC in Delhi and lives with his parents and wife. He has mediclaim and also wishes to avail this plan. He selects a Comprehensive Benefit Plan with Level Sum Assured and Income Benefit option and initial sum assured of Rs. 25,00,000 and pays a premium of Rs.14675 (exclusive of service tax and cess) annually for a policy term of 20 years.
 
Scenario 1 - If Arun is diagnosed with Early Stage of Cardiac / Renal either of any in 6th policy year but survives the rest of policy term without being diagnosed with any Major Stage of Cardiac / Renal, the sum assured will be Rs. 25,00,000. He will receive Rs. 7,50,000 (30% of Sum Assured on Early stage of either Cardiac / Renal) which can be utilized for medication expenses etc. and premium will be waived off till 11th policy year. From the 12th policy year, the premiums will be paid by Arun and the coverage for Major Stage of Cardiac and Renal will continue until the policy terminates.
 
 
 
 
Scenario 2 - If Arun is diagnosed with Major stage of Cardiac in 9th policy year, the benefits paid will be Rs 25,00,000 (100% of Sum Assured) and Rs 25,000 (Income benefit of 1% on Sum Assured on illness shall be paid monthly for next 5 years) and the policy continues for renal benefits. This can be utilized for treatment purpose and family's regular expenses.
 
 
 
 
Scenario 3 - If Arun is diagnosed with early stage of cardiac in 3rd policy year he will receive 30% of SA on cardiac illness i.e. 7,50,000 and waiver of premium for next 5 Years. If he's diagnosed with early renal in the 10th policy year he will receive 30% of SA on renal illness i.e. 7,50,000 and a waiver of premium for next 5 years.

If Arun is diagnosed with major cardiac in 16th policy year he will receive 70% of SA on cardiac illness i.e. 17,50,000 and income benefit of 1% of SA every month i.e. 25,000 for 5 years and his future premiums will be reduced. If he's diagnosed with major renal in the 18th policy year he will receive 70% of SA on renal illness i.e. 17,50,000 with income benefit of 1% of SA every month i.e. 25,000 for 5 years and then the policy ends.
 
 
 
 
 
ELIGIBILITY
 
Entry Age
18 – 65 Years
Maturity Age or Cover Ceasing Age
75 Years
Policy Term
Minimum - 5 Years / Maximum - 20 Years
Premium Paying Term
Regular Pay
Premium Paying Mode
Annual | Semi-Annual | Quarterly | Monthly
Sum Assured
Minimum – Rs.10 Lakhs / Maximum – Rs.50 Lakhs
 
Please click here for Sample Policy Contract
 
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Disclaimer
This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a traditional non participating health insurance plan. All terms & conditions are guaranteed throughout the policy term. Service Tax and any other applicable taxes will be added (extra) to your premium and levied as per extant tax laws. This leaflet contains only the salient features of the plan. For more details on risk factors, terms & conditions, please refer to the sales brochure before concluding the sale. Tax benefits are subject to changes in the tax laws. For more details and clarification call your ABSLI Insurance Advisor or visit our website and see how we can help in making your dreams come true. Registered Office:One Indiabulls Centre Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013.CIN: U99999MH2000PLC128110 Registration No. 109. ADV/5/17-18/321 VER1/MAY/2017

IRDAI hereby clarifies to the public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call and number.
UIN No.: 109N104V01