BSLI Critical Illnes Plus Rider

WHILE YOUR DOCTOR TAKES CARE OF YOUR HEALTH WE'LL TAKE
CARE OF THE BILLS

Birla Sun Life Insurance Critical Illness Plus Rider covers 17 critical illnesses

The only thing certain about life is its uncertainty. And illnesses can strike anyone at anytime. Today with the spiraling costs of medication, the financial burden of getting treated for any major illness or getting surgery done, can be debilitating. This is precisely why you need the assurance of our “Birla Sun Life Insurance Critical Illness Plus” Rider that covers 17 different illnesses.

This rider takes care of any financial burden along the way, while you are busy meeting the challenges of life. If you were to fall prey to any of the major illnesses, money shall be the least of your worries.

We will pay the Coverage Face Amount to you in the event the Life Insured:

Is diagnosed to be suffering from one of the conditions specified in the Insured Critical Conditions provision in this Rider Coverage and

Survives the Insured Critical Condition for a period of at least 30 days from the date of diagnosis. While the Rider Coverage is in effect and provided that we receive evidence satisfactory to us, in our sole discretion, of:

The diagnosis the Life Insured is suffering an Insured Critical Condition meeting the criteria as described in the Insured Critical Conditions provision; and

Any other facts, which we may consider as material to the claim.

Features

	Term/Duration of the Rider (years)
	10, 15, 20, 25, 30 years and to age 50, 55, 58, 60, 65.
	Maximum & Minimum Face Amount
	The minimumFace Amount is Rs. 50,000. The maximum Face Amount permissible, will be equal to that of the base policy or Rs.10 lacs, whichever is lower.
	Entry Age
	18 - 50 yrs.
	Age at Maturity
	65 yrs. of the Life Insured.
	Premium Payment Period*
	For the 10 yr. term - 10 pay. For the 15 yr. term - 10 pay, 15 pay. For the 25 yr. term - 10 pay, 15 pay, 20 pay, 25 pay. For the 30 yr. term - 10 pay, 15 pay, 20 pay, 25 pay. To age - 50,55,58 -till maturity. To age - 60, 65 -10 pay, 15 pay ,20 pay, 25 pay & to maturity.

Premium Payment Mode

Same as that of the Base Policy.

CI Benefit

The Face Amount.

Maturity Benefits

Nil .

Addition /Deletion of Rider

The rider may be added or deleted to the base policy at any time subject to the then current administrative and underwriting rules.

Rider Termination Conditions

The Critical Illness Plus rider will terminate at the earliest of:

	The date on which the Life Insured is diagnosed as suffering from an Insured Critical Condition, if such diagnosis is made within 90 days of the Coverage Date of this rider or the effective date of reinstatement of this policy, whichever is later; or
	The date BSLI pays a claim under this rider; or
	The date BSLI pays a claim under this rider; or
	The Date on which your rider Coverage is terminated after we receive a reques from you; or
	The date the Life Insurance Coverage is terminated for any reason whatsoever.

The Rider Terms Will Not Exceed That Of The Base Policy

The following illnesses along with their definitions as mentioned below are covered under the Birla Sun Life Insurance Critical Illness Plus Rider.

Heart Attack

The death of a portion of the heart muscle as a result of inadequate blood supply and being evidenced by all three of the following: A history of typical prolonged chest pain; and New electrocardiograph (ECG) changes; and Significant elevation of cardiac enzymes above accepted laboratory levels of normal.

Stroke

Stroke is a cerebrovascular accident or incident producing permanent neurological deficits lasting more than 30 days, as verified by a consulting neurologist or specialist approved by the Birla Sun Life Insurance.

Surgery to Coronary Arteries

The undergoing of open-heart surgery or keyhole surgery on the advice of a consultant cardiologist, to correct narrowing or blockage of one or more coronary arteries with insertion of bypass graft(s).

Kidney Failure (End Stage Renal Disease)

The total and chronic irreversible failure of both kidneys necessitating continuous renal dialysis at least for 180 days in the opinion of a specialist approved by the Birla Sun Life Insurance.

Major Organ Transplantation

The actual undergoing, as a recipient of a transplant of a heart, lung, pancreas (excluding the transplant of Langerhans cells alone), liver or kidney. The transplantation must have been necessary to treat irreversible end-stage failure of the relevant organ and the Life Insured must be accepted in a transplant program satisfactory to Birla Sun Life Insuran.

Aorta Graft Surgery

Undergoing of surgery for disease of the aorta needing excision and surgical replacement of a portion of the diseased aorta with a graft.

Heart Valve Surgery

The undergoing of open-heart valve surgery, performed to replace or repair one or more heart valves, as a consequence of defects in, abnormalities of, or disease-affected cardiac valve(s).

Paraplegia

Total and irreversible loss of use of two or more limbs through paralysis as a result of injury or disease of the spinal cord.

Blindness

Total, permanent and irreversible loss of all vision in both eyes as a result of illness or accident.

Benign Brain Tumour

A benign brain tumour means a tumour that is in the brain or meninges excluding the skull, spinal cord. Cysts, abscesses, malformations in the arteries or veins of the brain, haematomas are excluded. Pituitary microadenomas less than 10 mm. in diameter are also excluded.

Motor Neurone Disease

Motor neurone disease diagnosed by a consultant neurologist acceptable by the BSLI, as spinal muscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis or primary lateral sclerosis.

Multiple Sclerosis

A definite diagnosis by a consultant neurologist holding an appointment as such in a major hospital, which satisfies the two criteria (as mentioned in the detailed definitions).

Coma

A state of unconsciousness with no reaction or response to external stimuli or internal needs persisting continuously and requiring intubation and mechanical ventilation to sustain life for a period of at least 96 hours.

End Stage Liver Disease

End stage liver failure as evidenced by all of the following:

	permanent jaundice
	ascites and
	hepatic encephalopathy

End-stage Lung Disease

End stage lung disease including interstitial lung disease causing chronic respiratory failure and evidenced by criteria as mentioned in the detailed definitions.

Aplastic Anaemia

Bone Aplastic anemia is defined as total permanent bone marrow failure which results in granulocytes less than 500 cells per microlitre, anaemia with corrected reticulocyte count less than 1 %, platelet count less than 20000 cells per microlitre and markedly hypoplastic bone marrow with depletion of hematopoietic cells with <20% cellularity.

Detailed Definitions & Necessary Conditions (Please Refer to The Policy Contract)

Heart Attack

Confirmation by a specialist approved by us may be required. Diagnosis of heart attack based solely on an ECG or solely on a blood test is excluded. BSLI will not pay for other causes of severe non-cardiac chest pain, heart failure or angina.

Stroke

This includes infarction of brain tissue as a result of thrombosis or haemorrhage or embolisation from an extra-cranial source. Specifically excluded are transient ischaemic attacks, any reversible ischaemic neurological deficit, vertebrobasilar ischaemia, cerebral symptoms due to migraine, or brain damage due to external traumatic causes.

Cancer

The term cancer includes leukemia, lymphoma and Hodgkin's disease. The cancer must require treatment by surgery, radiotherapy, chemotherapy, biological response modifiers, or any other major interventionist treatment. Cancers that are completely untreatable where palliative therapy only is initiated are also covered in this definition. The diagnosis must be confirmed with a valid pathology report and a report from a specialist approved by Birla Sun Life Insurance.

Specifically Excluded Are:

All tumours, which are histologically described as benign, pre-malignant or non-invasive;
Any lesion described as carcinoma in-situ;
Cervical dysplasia or intra-epithelial neoplasia (CIN-1, CIN-2 or CIN-3);
Prostatic Intra-epithelial neoplasia (PIN);
Early prostate cancers that are histologically described as TNM Classification T1, or
American Urological Association's (AUA) stage A, or of equivalent stage with any other
classification system;
Any forms of cancer in the presence of Human Immunodeficiency Virus infection, including
lymphoma or Kaposi's sarcoma;
Thin melanomas with pathology report showing Clarke's Level less than III or Breslow
thickness less than 1.5 mm;
All non-melanoma skin cancers;
All cancers that are a recurrence or metastasis of a tumor that first occurred within the
qualifying period.

Surgery to Coronary Arteries

Balloon angioplasty (PTCA), heart catheterization, laser relief, rotablade, stenting and all other cardiac procedures are excluded.

Kidney Failure (End Stage Renal Disease)

Acute reversible kidney failure that only needs temporary renal dialysis and single kidney failure is not covered.

Major Organ Transplantation Aorta Graft Surgery

For this definition, aorta means the thoracic and abdominal aorta but not its branches. Surgery to treat peripheral vascular disease of the aortic branches is excluded even if a portion of the aorta is removed during the operative procedures. Surgery performed using only minimally invasive or intra-arterial techniques such as percutaneous endovascular aneurysm with insertion of a stent graft are excluded.

Heart Valve Surgery

The surgery must be considered medically necessary by a consulting cardiologist and supported by investigations.
Repair via valvotomy, catherter, keyhole or similar techniques are excluded.

Paraplegia

These conditions must be permanent, supported by appropriate neurological evidence and have to be medically documented for at least 90 days.

Blindness

The diagnosis must be clinically confirmed by an ophthalmology specialist. The blindness must not be correctable by aides or surgical procedures. Cataract is not covered under this definition of blindness. Also blindness due to cataracts or due to surgery for cataracts is specifically excluded and not covered under this policy

Benign Brain Tumour

The diagnosis must be confirmed neuro-radiologically by a specialist trained in the interpretation of these investigations and acceptable to the Birla Sun Life Insurance.

Motor Neurone Disease

There must be progressive degeneration of the corticospinal tracts and anterior horn cells or bulbar efferent neurons. There must be significant, progressive, irreversible, and functional neurological impairment with objective evidence of motor or sensory dysfunction, which must have persisted for a continuous period of at least 90 days.

Multiple Sclerosis

There must be current significant and permanent functional neurological impairment with objective evidence of motor or sensory dysfunction persisting for a continuous period of at least 180 days; and the diagnosis must be based on confirmatory neurological investigations of lumbar puncture, evoked visual responses, evoked auditory responses, CT or MRI evidence of lesions of the central nervous system. Diseases of the central nervous system due to other causes are unequivocally excluded.

Coma

There must be current significant and permanent functional neurological impairment with objective evidence of motor or sensory dysfunction. Coma resulting directly from alcohol or drug abuse is excluded

End Stage Liver Disease

Liver disease secondary to alcohol or drug misuse is excluded.

End-stage Lung Disease

It must be evidenced by all the following:
-FEV 1 test results consistently less than 1 litre with use of bronchial dilator; and
-Requiring extensive and permanent supplementary oxygen therapy.
The diagnosis must be confirmed by a respiratory physician acceptable by the Birla Sun Life Insurance.

Aplastic Anaemia

There must also be continuous treatment for a period of at least 180 days with at least one of the following:
-Repeated blood transfusions
-Marrow stimulating agents
-Immunosuppressive agents
-Bone marrow transplant
Temporary or reversible aplastic anemia is excluded and not covered in this Policy.

Exclusions

Besides the definitions and the necessary conditions mentioned which need to be fulfilled for admitting a claim, we shall not pay any of the Critical Illness Plus Rider Face Amount if an Insured Critical Condition results either directly or indirectly from any one of the following causes:

	Any diagnosis of an Insured Critical Condition contracted or diagnosed within 90 days from the Coverage Date of the Rider or the effective date of reinstatement of the policy, whichever is later.
	Any pre-existing or recurring Insured Critical Condition which is diagnosed or which the Life Insured contracted prior to the Coverage Date of the Rider or the effective date of reinstatement of the policy, whichever is later.
	Attempted suicide or self inflicted injury, whether the Life Insured is medically sane or insane.
	Taking or absorbing, accidentally or otherwise any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a licensed doctor other than the owner of the policy or the Life Insured.
	Inhaling any gas or fumes, accidentally or otherwise, except accidentally in the course of duty.
	Committing an assault, a criminal offence, an illegal activity or any breach of law.

Premium Review

The current premium for this Rider Coverage shall be guaranteed for the first 5 years and the same shall be reviewed on an annual basis thereafter. On Unit-Linked contracts, Rider deductions shall be guaranteed for the first 5 years and the same shall be reviewed on an annual basis thereafter. In case of any change, the new premiums will be communicated to and payable by you. The new premiums and Rider deductions will be applicable and payable even if the Coverage Paying Period of the Rider has ended. The Minimum Policy Values of your Policy may be affected due to the change in the premiums of this Rider Coverage.

UIN No. -109C011V01