Optional Benefits (Rider Benefits):

• Accidental Death Benefit (ADB) Only

  This is a rider benefit which offers protection on occurrence of death or disability of the policyholder due to accident. This rider is to be offered as a package along with premium waiver rider. It can be taken with payment of an additional nominal premium per thousand. Total coverage amount under this benefits will be equal to basic sum assured or Maximum Rs. 1,00,00,000/- whichever is less. In case of permanent and total disability of the policyholder during the policy term caused by an accident the Rider Sum Assured will be paid to the policyholder in 120 equal monthly instalments and all future payable premium will be waived.

• Accidental Death Benefit, Accidental Total Permanent Disability, Premium Waiver Benefit – ADB, TPD & PWB:

  This is a rider benefit which offers protection on occurrence of death or disability of the policyholder due to accident. This rider is to be offered as a package along with premium waiver rider. It can be taken with payment of an additional nominal premium per thousand. Total coverage amount under this benefits will be equal to basic sum assured or Maximum Rs. 1,00,00,000/- whichever is less. In case of permanent and total disability of the policyholder during the policy term caused by an accident the Rider Sum Assured will be paid to the policyholder in 120 equal monthly instalments and all future payable premium will be waived.

• Critical Illness Benefit:

  This is a Rider benefit. If the life assured is diagnosed with specific illness defined under this rider during the policy term, lump sum amount equal to basic sum assured or maximum up to Rs. 50,00,000 will be paid to the insured. Undermentioned criteria should be followed to have Critical Illness ; Entry age: Minimum 18, Maximum : 65, Policy maturity age: 70, Coverage: Minimum Rs.50, 000 ,Maximum : Rs. 50,00,000 , Policy Term : Minimum 5 Years to Maximum 20 years .