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ABSLI CritiShield Plan
A Traditional Non - Participating Health Insurance 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 Aditya Birla Sun Life Insurance 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.

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

Key Features

  • 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
  • Early Stage Cardiac Condition - On diagnosis of an early stage cardiac condition, we will pay 30% of the sum assured on cardiac illness.

  • Major Stage Cardiac Condition - At the major stage of a cardiac condition, we will pay 100% of the sum assured on cardiac illness less any previously paid claim for an early stage cardiac condition.

    The only illnesses covered under this plan benefit are cardiac conditions.
  • Early Stage Renal Condition - On diagnosis of an early stage renal condition, we will pay 30% of the sum assured on renal illness

  • Major Stage Renal Condition - At the major stage of a renal condition, we will pay 100% of the sum assured on renal illness less any previously paid claim for an early stage renal condition

    The only illnesses covered under this plan benefit are renal conditions.
  • Early Stage Cardiac Condition - On diagnosis of an early stage cardiac condition, we will pay 30%

  • Early Stage Renal Condition - On diagnosis of an early stage renal condition, we will pay 30%

  • Major Stage Cardiac Condition - At the major stage of a cardiac condition, we will pay 100% of the sum assured on cardiac illness less any previously paid claim for an early stage cardiac

  • Major Stage Renal Condition - At the major stage of a renal condition, we will pay 100% of the sum assured on renal illness less any previously paid claim for an early stage renal condition. This plan benefit covers both cardiac & renal conditions and is paid irrespective of any earlier claim paid

Once a valid claim under the Early Stage Cardiac Condition or an Early Stage Renal Condition is approved, all the future premiums for the policy will be waived starting from the next premium due date following the date of diagnosis of the Early Stage Cardiac or Early Stage Renal Condition as may be applicable for lower of (a) the next 5 years or (b) balance policy term.

Under Comprehensive Benefit option, in case of a valid Early Stage claim being approved for one covered conditions, all the total future premiums for the policy will be waived, starting from the next premium due date following the date of diagnosis of such Early Stage condition, for lower of (a) the next 5 years or (b) balance policy term or c) the date when a valid Early Stage claim is approved for the second covered condition. If the second valid Early Stage claim is approved (viz. claim for Early Stage Cardiac Condition following claim for Early Stage Renal Condition or vice versa), the existing premium waiver will cease and new premium waiver shall commence, starting from the next premium due date following the date of diagnosis of the second Early Stage condition, for lower of (a) the next 5 years or (b) balance policy term.

After the completion of the premium waiver period and provided the policy is not yet terminated as per condition mentioned below in the termination clause, you will have to resume the payment of the future installment premiums as per the premium amount payable at inception of the policy, from the next premium due date.

For Comprehensive Benefit option, the total installment premiums payable after the premium waiver period will be reduced by the installment premium payable at inception, for the illness for which the claim for Major Stage condition has already been admitted during the premium waiver period.

You will have an option to choose this benefit at policy inception only and once chosen cannot be opted out. Under the income benefit option, a monthly income equivalent to 1% of the sum assured on cardiac illness and / or renal illness would be paid out once a claim for a major stage cardiac and / or renal condition has been admitted, depending upon the plan benefit chosen.

For comprehensive benefit, Payment of cardiac condition benefit will not impact the benefit paid under renal conditions and vice versa.

Please click here to Download product brochure
Please click here to download policy contract
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. GST 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. 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/3/17-18/1980 VER1/MAR/2018

UIN: 109N104V01