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In case you are hospitalised to undergo a surgery you will be paid a lump sum amount to cover your expenses.



We all hope to go through life without any health problems, but we all know the importance of planning for such eventualities. If and when that time comes, the high costs of hospitalization and surgeries should be the least of your concerns. ABSLI Surgical Care Rider ensures the only thing your family has to think at that hour… is about you.

Eligibility Criteria

Entry Age 18 - 65 years Maximum age at the end of rider term is 70 years
Rider Term Same as that of the base plan or till the attained age of 70 years of the life insured, whichever is earlier (Minimum: 5 years & Maximum: 52 years)
Premium Paying Term Same as base plan (Minimum: 5 years & Maximum: 52 years)
Pay Mode Same as base plan
Rider Sum Assured Minimum Rs.1,50,000 | Maximum Rs.15,00,000 subject to maximum of 100% sum assured of the base plan

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.


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.

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.

Other Surgery:For any other valid surgical hospitalisation the benefit will be equal to the chosen benefit amount.

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.

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 Indiabulls 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