FAQ's related to Shriram Life Critical Illness Woman Rider
What does the CI Woman Rider cover?
It covers 29 critical illnesses including women-specific conditions and maternity complications.
Is maternity wellness cover optional?
Yes, it can be opted in addition to the base CI cover.
Who is eligible for the CI cover and maternity wellness benefit?
CI: 18–65 years; Maternity: 18–40 years at entry.
What is the maximum age at maturity?
CI: Up to 80 years; Maternity: Up to 45 years.
What’s the maximum sum assured?
CI: ₹25,00,000; Maternity cover up to ₹2,50,000.
What happens on diagnosis of a listed illness?
A lump sum is paid and the rider terminates.
Can I opt for both CI and maternity coverage together?
Yes, subject to policy terms and age eligibility.
Is there any survival period for claiming benefits?
Yes, conditions must meet specific diagnostic and treatment criteria.
Can the CI Woman Rider be added mid-policy?
Only at policy inception or on policy anniversary, subject to conditions.
Are both twins covered in case of conjoined twin surgery?
No, benefit is payable only if at least one co-twin survives the surgery.
Does the CI Woman Rider provide separate payouts for both CI and maternity wellness claims?
No, only one claim is payable under the rider—either for CI or maternity wellness, whichever occurs first.
If a congenital condition is diagnosed during pregnancy, is the benefit payable immediately?
No, the benefit for congenital anomalies is payable only after the live birth and confirmation through diagnostic and surgical reports.
Is the CI Woman Rider beneficial for women who are not planning for childbirth?
Yes, the rider offers comprehensive coverage for 29 critical illnesses, making it valuable even without maternity wellness coverage.
What happens if I opt for maternity wellness coverage but don’t experience any pregnancy complications?
No benefit is payable unless a covered complication or congenital anomaly occurs; the rider offers protection, not guaranteed payout.
