What Coverages are offered in the Shriram Life Early Cash Plan?

It financially protects the loved ones of the insured person in case of their demise.

In case of death or total and permanent disability due to accident during the rider term, we will pay 100% of the rider sum assured. Also, if the life assured becomes totally and permanently disabled in an accident, we will waive off all the future premiums under the policy. The benefit under this rider is applicable only once during the rider term.
 

In the event of accidental death or if the life assured becomes totally and permanently disabled due to an accident within the rider term, 1% of rider sum assured is payable every month immediately from the end of month of accident for a guaranteed period of 10 years or till the end of the rider term whichever is higher.

In case of unfortunate event of death of the life assured during the rider cover term, sum assured under rider will be paid to the nominee.

Shriram Life Critical Illness Plus Rider (UIN 128B016V02)
If you are diagnosed to be suffering from any of the 24 specified Critical Illnesses, we will pay 100% of the rider Sum Assured on survival of 30 days following the date of first confirmed diagnosis. This rider also gives you an upside of increments in your rider Sum Assured through Loyalty Additions.

The critical illness woman rider ensures financial security tailored to women’s health needs. The base cover provides protection against female specific critical illnesses and other critical illnesses. The add on benefit i.e maternity wellness coverage offers protection against pregnancy complications and birth of child & congenital disorders.
The premium for this optional benefit has to be paid additionally over and above base cover rider premium. Policy term for PC & BCCD option can be less than or equal to the policy term chosen for the base option. It provides cover for one childbirth.
 

The Shriram Life Step Up Rider is designed to keep your protection in tune with your growing responsibilities. It ensures your life cover increases every year. The rider cover starts at chosen Rider Sum Assured and increases by additional one rider sum assured each year, up to a maximum of 10 times of Rider Sum Assured or till the end of Policy term whichever is early. Once the rider cover reaches 10 times of Rider Sum Assured during Policy term, the cover remains level for the rest of the policy term at 10 times of Rider Sum Assured.
This rider can be opted for at policy inception or on any policy anniversary during the policy term.

The Shriram Life Arogya Saathi Rider is a health focused add on that enhances your base plan with essential outpatient services giving you smart, everyday healthcare protection at an affordable cost. With a comprehensive annual health check-up covering 33 vital parameters, convenient GP teleconsultations, and a multi-purpose cashless OPD benefit of up to ₹2,000, it ensures you can access essential medical services without financial stress. Designed for a one-year term with a single premium, the rider supports proactive wellness and helps manage everyday medical expenses efficiently.
Riders can be opted only if the existing policy has a minimum outstanding policy term of 5 years.