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Additional Protection through Riders
Life Insurance is all about financially protecting your loved ones against anything unfortunate happening to you. As each of us has different lifestyles, our need for protection is different. We understand that and therefore bring you a choice of 5 riders protecting you against different kinds of risks. You can opt for these Riders by paying an additional premium.
There is no overlap between the riders offered along with the base product. The benefits shall be payable separately in addition to the basic benefits. Please refer to the Rider brochure for further details. For POS sales, only base plan with inbuilt accident benefit rider is available.
Accident Benefit Rider (UIN 128B001V04)
In case of death or total and permanent disability due to an 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.
Family Income Benefit Rider (UIN 128B002V04)
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 the rider sum assured is payable every month immediately from the end of the month of the accident for a guaranteed period of 10 years or till the end of the rider term whichever is higher.
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 to 30 days following the date of the first instance of confirmed diagnosis.
Shriram Life Critical Illness Woman Rider (UIN 128B032V01)
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.
Shriram Life Arogya Saathi Rider (128B034V01)
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.
Disclaimer
*Provided all due premiums are paid and the policy is in force.
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
Shriram Life Smart Choice Plan
UIN:128N097V03
Shriram Life Insurance Company Limited.
IRDAI Regn No. 128
CIN: U66010TG2005PLC045616
BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRADULENT OFFERS
IRDAI or its officials do not engage in activities such as selling insurance policies or financial products, announcing bonuses, or investment of premiums. Members of the public who receive such calls are advised to lodge a police complaint.
The Trade Logo displayed above belongs to Shriram Value Services Limited (“SVS”) and used by Shriram Life Insurance Company Limited under a License agreement.”
ARN: SLIC/ELEC/June 2026/521
