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Every responsible person is beholden to buy insurance for himself and his family in today's uncertain times. The insurance plan one chooses must promise sufficient coverage and excellent benefits that will be useful when the appropriate time comes.

However, merely taking an insurance plan is not enough. One must also choose the applicable benefits that will add value to the chosen plan. These benefits are known as 'riders' and are chosen basis the family size, future needs, inflation and increased living costs and the need for the same. These insurance riders help you to enrich the overall value and efficacy of your chosen insurance plan, both qualitatively and quantitatively.
Aditya Birla Sun Life Insurance Solutions offer the best and most comprehensive protection plans with a set of riders that you can add to the policy. You can choose the riders you require and customise the plan as per your preference. And all of this comes your way at a nominal cost.

NOTE :The option of including Riders as add on benefits is not provided for policies issued to NRI customers.
Rider NameKind Of RiskMajor Benefit
ABSLI Surgical Care Rider
UIN: 109B015V03

Hospitalization for medically necessary surgery for a minimum period of 24 hours.​​


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. In case of Major Surgery:  for a surgery you will be paid five times the chosen benefit amount. Other Surgery:  for any other valid surgical hospitalization, the benefit will be equal to the chosen benefit amount.​


ABSLI Hospital Care Rider
UIN: 109B016V03

Daily cash benefit: In case of hospitalization for medically necessary treatment of any illness or injury for a minimum period of 24 hours will be paid from the first day for the duration of hospitalization.​​


Hospital Cash benefit: Minimum daily cash benefit amount - Rs. 600/day. Maximum daily cash benefit amount - Rs. 6,000/day. An additional 100% of the chosen daily cash benefit amount per day is paid for each day of stay in the intensive care unit (ICU). A lump sum recuperating benefit is equivalent to 3 times the chosen daily cash benefit will be payable for 7 or more days of continuous hospitalization.​


ABSLI Waiver of Premium Rider

Future premiums will be waived if you are unable to pay your premium in the event of financial difficulties.​​


In case proposer becomes completely disabled due to an illness or accident or proposer is diagnosed with any of the specified critical illnesses or death of the proposer (if not the life insured), then all the future premiums of the base plan and the attached riders will be waived throughout the rest of the policy term or until the termination of the policy or till the attained age 70 of the proposer whichever is earlier.​


ABSLI Accidental Death and Disability Rider
UIN: 109B018V03
1) Accidental Death
2) Accidental Disability
​Accidental Death: Rider sum assured paid.
Accidental Disability: % of rider sum assured paid that depends on nature
of disability.​


ABSLI Critical Illness Rider
UIN: 109B019V03
ABSLI Critical Illness rider covers 4 major illnesses -

  • First Heart Attack of Specified Severity
  • Cancer of Specified Severity
  • Stroke Resulting In Permanent Symptoms
  • Major Organ / Bone Marrow Transplant
​100% of the rider sum assured on survival of 30 days following the date of confirmed diagnosis.


ABSLI Accidental Death Benefit Rider Plus
UIN: 109B023V01
There is no surrender benefit offered for regular pay option under this rider. However for Limited Pay, rider will acquire a surrender value after all due premiums for at least two full policy years (three full policy years for rider premium paying term of 10 years or more) are paid.
In the unfortunate event of death of the life insured due to an Accident within 180 days of occurrence of the accident, we will pay 100% of the rider sum assured to the nominee only if this rider cover is inforce as on the date of accident including the grace period.
Additionally, ABSLI will refund the premiums collected after the date of accident till the date of death, with interest as declared by us from time to time, along with death benefit payable.