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Important: W.e.f 1st July 2017, GST will be levied on Life Insurance Premium as per the applicable tax rates. To know the rate that will be applicable to your specific policy please click here
On diagnosis of any of the four illnesses - Heart Attack, Cancer, Major Organ Transplant and Stroke, you will receive upto 100% of the Rider Sum Assured.

Today with the spiraling costs of medication, the financial burden of getting treated for any major illness or getting a surgery done, can be debilitating. You may not be able to prevent yourself from this uncertainty however with BSLI Critical Illness Rider you can protect yourself from its cost.
Eligibility Criteria
   
Entry Age 18 – 65 years
Maximum age at the end of rider term is 70 years
Rider Term Same as that of the base plan or till the attained age 70 of the life insured, whichever is earlier
(Minimum: 5 years & Maximum: 52 years)
Premium Paying Term Same as base plan
(Minimum: 5 years & Maximum: 52 years)
Pay Mode Same as base plan
Rider Sum Assured Minimum Rs. 75,000
Maximum Rs. 50,00,000 subject to maximum of 100% sum assured of the base plan

We will offer a discount of 5.00% in rider premium pa. to customers who buy directly from our website.

You may opt for this rider only at the time of policy issue.

Benefits
 
BSLI Critical Illness rider covers 4 major illnesses (please use the brochure copy) -

  • First Heart Attack of Specified Severity
  • Cancer of Specified Severity
  • Stroke Resulting In Permanent Symptoms
  • Major Organ / Bone Marrow Transplant
 
In the unfortunate event the life insured is diagnosed to be suffering from any one of the above 4 critical illnesses, we will pay 100% of the rider sum assured on survival of 30 days following the date of confirmed diagnosis.
 
Definitions
 
First Heart Attack of Specified Severity
 
The first occurrence of myocardial infarction which means the death of a portion of the heart muscle, as a result of inadequate blood supply to the relevant area. The diagnosis for this will be evidenced by all of the following criteria:

  • A history of typical clinical symptoms consistent with the diagnosis of acute myocardial Infarction (for example typical chest pain),
  • New characteristic electrocardiogram changes,
  • Elevation of infarction specific enzymes, Troponins or other specific biochemical markers.

Excluded are:

  • Non-ST-segment elevation myocardial infarction (NSTEMI) with elevation of Troponin I or T;
  • Other acute Coronary Syndromes;
  • Any type of angina pectoris
 
Cancer of Specified Severity
 
A malignant tumour characterised by the uncontrolled growth and spread of malignant cells with invasion & destruction of normal tissues. This diagnosis must be supported by histological evidence of malignancy & confirmed by a pathologist. The term cancer includes leukaemia, lymphoma and sarcoma.

Excluded are:

  • Tumours showing the malignant changes of carcinoma in situ & tumours which are histologically described as premalignant or non invasive, including but not limited to: Carcinoma in situ of breasts, Cervical dysplasia CIN-1, CIN-2 &CIN-3;
  • Any skin cancer other than invasive malignant melanoma;
  • All tumours of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least clinical TNM classification T2N0M0;
  • Pailliary micro-carcinoma of the thyroid less than 1cm in diameter;
  • Chronic lymphocytic leukaemia less than RAI stage 3;
  • Microcarcinoma of the bladder;
  • All tumours in the presence of HIV infection.
 
Stroke Resulting In Permanent Symptoms
 
Any cerebrovascular incident producing neurological sequelae. This includes infarction of brain tissue, thrombosis in an intracranial vessel, haemorrhage and embolisation from an extracranial source. Diagnosis has to be confirmed by a specialist medical practitioner and evidenced by typical clinical symptoms as well as typical findings in CT scan or MRI of the brain. Evidence of neurological deficit for at least 3 months has to be produced.

Excluded are:

  • Transient ischemic attacks (TIA)
  • Traumatic injury of the brain
  • Vascular disease affecting only the eye or optic nerve or vestibular functions;
 
Major Organ / Bone Marrow Transplant
 
The actual undergoing of a transplant of:

  • One of the following human organs: heart, lung, liver, kidney , pancreas that resulted from irreversible end - stage failure of the relevant organ, or Human bone marrow, using haematopoetic stem cells.
  • The undergoing of a transplant has to be confirmed by a specialist medical practitioner

Excluded are:

  • Other stem-cell transplants
  • Where only islets or langerhans are transplanted.
 
Supporting definitions
 
Accident is a sudden, unforeseen and involuntary event caused by external, visible and violent means.
 
Injury means accidental physical bodily harm excluding illness or disease solely and directly caused by external, violent and visible and evident means which is verified and certified by a medical practitioner.
 
Illness means a sickness or a disease or pathological condition leading to the impairment of normal physiological function which manifests itself during the Policy Period and requires medical treatment.
 
Medical Practitioner is a person who holds a valid registration from the Medical Council of any state or Medical Council of India or Council for Indian Medicine or for Homeopathy set up by the Government of India or a State Government and is thereby entitled to practice medicine within its jurisdiction; and is acting within the scope and jurisdiction of his license. The medical practitioner should not be the insured or a close relative of the insured.
 
Waiting Period
 
A waiting period of 90 days is applicable for all benefits payable under this rider from the policy effective date or the effective date the policy is revived, whichever is the later, during which time no benefit will be payable.
 
Exclusions
 
The life insured will be entitled to receive the benefit if the critical illness does not result either directly or indirectly from any one of the following causes listed in the exceptions below:

  • any pre-existing condition (disease, illness or injury) which manifested itself prior to the effective date of the rider or its latest revival date, whichever is later;
  • any condition (disease, illness or injury) manifesting itself within 90 days from the effective date of the rider or its latest revival date, whichever is later;
  • any congenital condition;
  • AIDS, HIV related complications or any sexually transmitted diseases;
  • attempted suicide or self-inflicted injury, irrespective of mental condition;
  • participation in a criminal, unlawful or illegal activity;
  • taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a registered medical practitioner acceptable to us;
  • 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;
  • entering, exiting, operating, servicing, or being transported by any aerial device or conveyance except when on a commercial passenger airline on a regular scheduled passenger trip over its established passenger route;
  • 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;
  • war (whether declared or not), terrorism, invasion, act of foreign enemy, hostilities, civil war, martial law, rebellion, revolution, insurrection, military or usurper power, riot or civil commotion;
  • taking part in any naval, military or air force operation during peace time;
  • no payment will be made by the Company 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.
Terms And Conditions
 
Free-Look, Grace Period & Reinstatement
As per the rules of the base plan.
 
Loans
There are no loans available with this rider.
 
Termination of rider
You are not allowed to opt out of the rider once availed. However, the rider benefit will cease immediately if the base plan is terminated or when a claim is paid. The rider benefit will also cease when the reinstatement period ends, no rider benefit shall be payable during reinstatement period for such policies.
 
Assignment
Allowed as per the provisions of Section 38 of the Insurance Act, 1938 as amended from time to time.
For more details on the assignment, please refer to our website.
http://insurance.birlasunlife.com/Pages/Individual/Customer-Service/Manage-Policy.aspx
 
Nomination
Allowed as per the provisions of Section 39 of the Insurance Act, 1938 as amended from time to time.
For more details on the nomination, please refer to our website.
http://insurance.birlasunlife.com/Pages/Individual/Customer-Service/Manage-Policy.aspx
 
Current Tax Benefits
As per extant tax laws, this rider offers tax benefits under Section 80D of the Income Tax Act, 1961, subject to fulfillment of the other conditions of the section prescribed therein. You are advised to consult your tax advisor for details.
 
Service Tax
Service Tax and other levies, as applicable, will be extra and levied as per the extant tax laws.
 
Prohibition of Rebates – Section 41 of the Insurance Act, 1938
No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer.

Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees.
 
Current Tax Benefits
As per extant tax laws, under Section 80D of the Income Tax Act,1961, premiums up to Rs.15,000 (Rs.20,000 for senior citizens) are allowed as a deduction from your taxable income each year.
 
Fraud and Misrepresentation
As per the provisions of Section 45 of the Insurance Act, 1938 as amended from time to time. For more details on Section 45 of the Insurance Act, 1938 please refer to our website www.insurance.birlasunlife.com
 
 
 
 
 
Disclaimers
This rider is underwritten by Birla Sun Life Insurance Company Limited (BSLI). This brochure contains only the salient features of the rider. Tax benefits are subject to changes in the tax laws. Insurance is the subject matter of the solicitation. For further details please refer to the policy contract or call your BSLI Insurance Advisor or visit our website and see how we can help in making your dreams come true.

IRDA of India hereby clarifies to the public that
  • IRDA of India or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums
  • IRDA of India does not announce any bonus.
Public receiving such phone calls are requested to lodge a police complaint along with details of phone call number.
 
Registered Office: One Indiabulls Centre Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013. Registration no. 109 CIN: U99999MH2000PLC128110 ADV/1/15-16/8937 VER2/FEB/2016.
UIN: 109B019V03
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Trade Logo displayed above belongs to SUN LIFE ASSURANCE COMPANY OF CANADA and ADITYA BIRLA MANAGEMENT CORPORATION PRIVATE LIMITED and used by BIRLA SUN LIFE INSURANCE COMPANY LIMITED as per terms and conditions of license Agreement.

Registered Office: One Indiabulls Centre Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013. CIN: U99999MH2000PLC128110 Registration No. 109.

BEWARE OF SUSPICIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

IRDAI clarifies to the public that,
  • IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.
  • IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with the details of the phone call.