Birla Sun Life Insurance Critical Illness Rider

1. Heart Attack
2. Cancer
3. Stroke
4. Major Organ transplant

A cerebrovascular incident producing neurological sequelae of a permanent nature, having lasted not less than six months. Infarction of brain tissue, haemorrhage and embolisation from an extra-cranial source are included. The diagnosis must be based on changes seen in a CT scan or MRI and certified by a
neurologist. Excluded are:
- Transient ischemic attacks (TIA)
- Traumatic injury of the brain
- Vascular disease affecting only the eye or optic nerve or vestibular functions

• Diseases in the presence of an HIV infection
• Any pre-existing or recurring disease which is diagnosed or which the life insured contracted prior to the policy issue date or the revival date of the policy, whichever is later
• Any disease occurring within 90 days of the start of coverage (i.e. during the waiting period)
• No payment will be made by us for any claim directly or indirectly caused by, based on, arising out of, or howsoever, to any critical illness for which care, treatment, or advice was recommended by or received from a physician, or which first manifested itself or was contracted before the start of the policy period, or for which a claim has or could have been made under any earlier policy
• Any congenital condition
• Intentional self-inflicted injury, attempted suicide, while sane or insane
• Alcohol or solvent abuse or intake of drugs, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a registered medical practitioner
• Failure to seek or follow medical advice
• War, invasion, act of foreign enemy, hostilities (whether war be declared or not), armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes
• Taking part in any naval, military or air force operation during peace time
• Where the life insured is engaged in aviation or aeronautics other than as a passenger on a licensed commercial aircraft operating on a scheduled route
• Participation by the life insured in a criminal or unlawful act
• Engaging in or taking part in professional sport(s) or any hazardous pursuits, including but not limited to, diving or riding or any kind of race; underwater activities involving the use of breathing apparatus or not; martial arts; hunting; mountaineering; parachuting; bungee-jumping
• Nuclear contamination; the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature