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Shriram Life Critical Illness Woman Rider Coverages

Critical Illnesses covered under Care Option

Critical illnesses

Stage

Critical illnesses Benefit Payout

CANCER OF SPECIFIED SEVERITY

Major

100%

STROKE RESULTING IN PERMANENT SYMPTOMS

Major

100%

MAJOR ORGAN /BONE MARROW TRANSPLANT

Major

100%

PERMANENT PARALYSIS OF LIMBS

Major

100%

COMA OF SPECIFIED SEVERITY

Major

100%

BENIGN BRAIN TUMOR

Major

100%

THIRD DEGREE BURNS

Major

100%

END STAGE LUNG FAILURE

Major

100%

SURGERY OF AORTA

Major

100%

MAJOR HEAD TRAUMA

Major

100%

APPALIC SYNDROME

Major

100%

LOSS OF LIMBS

Major

100%

MINOR STAGED FEMALE SPECIFIC CANCER OF BREAST, CERVICAL,CERVIX UTERI CORPUS UTERI, OVARIES, FALLOPIAN TUBES, VULVA, VAGINA

Major

25%

SEVERE RHEUMATOID ARTHRITIS

Major

100%

ANGIOPLASTY

Major

25%

MYOCARDIAL INFARCTION (First Heart Attack of specific severity)

Major

100%

KIDNEY FAILURE REQUIRING REGULAR DIALYSIS

Major

100%

OPEN CHEST CABG

Major

100%

OPEN HEART REPLACEMENT OR REPAIR OF HEART VALVES

Major

100%

MULTIPLE SCLEROSIS WITH PERSISTING SYMPTOMS

Major

100%

BLINDNESS

Major

100%

ALZHEIMER'S DISEASE / IRREVERSIBLE ORGANIC DEGENERATIVE BRAIN

Major

100%

END STAGE LIVER FAILURE

Major

100%

MOTOR NEURON DISEASE WITH PERMANENT SYMPTOMS

Major

100%

PRIMARY (IDIOPATHIC) PULMONARY HYPERTENSION

Major

100%

DEAFNESS

Major

100%

PARKINSON'S DISEASE

Major

100%

SYSTEMIC LUPUS ERYTHEMATOSUS (SLE)

Major

100%

SEVERE OSTEOPOROSIS

Major

100%

If, any time during the term of the policy, the life assured is diagnosed to be suffering from a critical illness (CI) of specific stage of severity, a percentage of the critical illness sum assured, subject to applicable limits, will be payable in one lump sum as long as the Critical Illness sum assured has not been exhausted, provided the policy is in-force. The critical illness benefit pay-out depends on the stage of the CI and claims previously admitted under the policy.

Add on benefit - Maternity Wellness (PC & BCCD) coverage

S.no

Pregnancy Complications

1

Disseminated Intravascular Coagulation

2

Ectopic Pregnancy

3

Molar Pregnancy

4

Eclampsia

5

On undergoing hysterectomy due to postpartum haemorrhage

S.no

Congenital Anomalies on Childbirth

1

Down's Syndrome

2

Spina Bifida

3

Tetralogy of Fallot

4

Cleft Palate

5

Ventricular Septal Defect

6

Atrial Septal Defect

7

Patent Ductus Arteriosus

8

Surgical Seperation on Conjoined Twins

9

Surgical Reapair of Tranposition of Great Vessels

Additional benefits under the rider

Auto Debit Booster (Nach Payments)

For each payment through NACH mode, policyholders will be eligible to receive 1% of premium as the discount i.e. each premium paid through NACH will be 99% of the original annualised premium. Policyholders will not be eligible for this discount if premiums paid through non-NACH mode even after successful NACH registration due to any reason.

Waiting Period

90 days for Base Cover and 1 year for maternity wellness coverage from rider inception or revival, as applicable.

No benefit will be payable if the claim has occurred during the waiting period.

The plan pays critical illness benefit in the event of the life assured being first diagnosed with any of the covered critical illnesses any time after waiting period.

The critical illness benefit will be payable only if the incidence of any of the covered critical illness condition after policy issuance is the first incidence of that covered critical illness in the lifetime of the policyholder.

Example for Waiting Period:

Date of inception/revival: 01.01.2025

Waiting period of first 90 days from 01.01.2025

which is from 01.01.2025 to 31.03.2025

Cover starts from 01.04.2025

Survival Period

It is a period of 30 days from date of first confirmed diagnosis. Rider benefit can only be claimed if the critical illness is diagnosed at least 90 days after the date of commencement or the date of revival/reinstatement whichever is later and the life insured survives the specified illness for a period of at least 30 days from the date of first confirmed diagnosis.

Example for Survival Period:

Date of inception: 01.01.2025

Date of first confirmed diagnosis: 01.01.2026

Survival period: 30 days

From 01.01.2026 to 30.01.2026

Disclaimer

For more details on risk factors, terms, and conditions please read the sales brochure carefully before concluding a sale.  

*Tax Benefits:  
Tax benefits are as per Income Tax Laws & are subject to change from time to time. Please consult your Tax advisor for details.  
You are eligible for Income Tax benefits/exemptions as per the applicable income tax laws in India, which are subject to change from time to time.

IRDAI Regn No: 128  
CIN No : U66010TG2005PLC045616 of the Company

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