Aditya Birla Sun Life Insurance Company Limited

ABSLI Life Insurance Riders

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 Name	Kind of Risk	Major Benefit
ABSLI Comprehensive Critical Illness Rider UIN: 109A041V01	Protection against up to 64 Critical Illnesses (CIs)	Under the Silver and Gold options- In the unfortunate event that the life insured is diagnosed to be suffering from the critical illnesses covered in that option, 100% of the rider sum assured is paid as lumpsum on survival of the life insured for 14 days following the date of confirmed diagnosis. Under the Platinum option- In the unfortunate event that the life insured is diagnosed to be suffering from the critical illnesses covered in that option, we will pay the following benefit as lumpsum on survival of the life insured for 14 days following the date of confirmed diagnosis. Benefit Payable: Minor CI: Lower of 25% of Rider Sum Assured or Rs. 5,00,000 Major CI: 100% of Rider Sum Assured less Minor CI claim paid, if any
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 UIN: 109B017V03	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: 109B023V02	Accidental Death	In the unfortunate event of death of the life insured due to an Accident, we will pay 100% of the rider sum assured to the Nominee
ABSLI Waiver of Premium Rider UIN: 109A039V01	Future premiums will be waived if you are unable to pay your premium in the event of financial difficulties.	The benefits under the base policy and all riders to which this rider is attached shall remain intact with no future premiums payable by you 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 Benefit Rider Plus UIN: 109A024V01	Accidental Death	In the unfortunate event of death of the life insured due to an Accident, we will pay 100% of the rider sum assured to the Nominee

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