Skip Ribbon Commands
Skip to main content
 
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. presents ABSLI CritiShield Plan that protects your savings and lifestyle against sudden higher expenses from heart and kidney ailments. These diseases demands more money than hospital bills, so therefore the lump sum amount from ABSLI CritiShield Plan protects you and your loved ones from any adversity.

  • 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% of the Sum Assured on cardiac illness

  • 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 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

  • 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 and 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 off 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.

Please refer to product brochure for detailed description.

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.

Entry Age 18 – 65 years
Maturity Age or Cover Ceasing Age 85 years
Policy Term Minimum - 5 Years / Maximum - 50 Years
Premium Paying Term Regular Pay
Premium Paying Mode Annual | Semi-Annual | Quarterly | Monthly
Sum Assured
Minimum - Rs.10 Lakhs / Maximum - Rs.50 Lakhs

This is a regular pay plan. The premiums will be guaranteed for first five policy years. Thereafter premium rates are subject to change. Any change in the premium rates will take place subject to prior approval from the Insurance Regulatory and Development Authority of India (IRDAI) and after giving you adequate notice in advance.

Your premium can be paid annually, semi-annually, quarterly or monthly (automated mode of payment) mode. Your annualized premium will be multiplied by:

  • 1.000 for annual installments; or
  • 0.519 for semi-annual installments; or
  • 0.265 for quarterly installments; or
  • 0.090 for monthly installments

Below are sample annualized premiums for a male aged 35 years purchasing Rs.25 lakhs of sum assured.



Annualized premium is the premium amount payable in a year chosen by the policyholder, excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.

View other health insurance plans from Aditya Birla Sun Life Insurance

Please click here to Download product brochure
Please click here to download policy contract
Please click here to download product presentation
Please click here to calculate premium
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/11/19-20/1176 VER1/NOV/2019

UIN: 109N104V02