Protect Your Savings and Lifestyle from Heart and Kidney Ailments
With Aditya Birla Sun Life Insurance CritiShield Plan, you can now safeguard your savings and lifestyle from the financial strain caused by cardiac and renal conditions. This plan provides liquidity and protection in case of heart or kidney ailments.
Key Features of ABSLI CritiShield Plan
- Coverage for All Stages: Includes coverage for all stages of cardiac and renal conditions.
- Coverage Options: Choose between Level or Increasing Sum Assured.
- Premium Waiver: Waives premiums for up to 5 years upon early stage diagnosis.
- Income Benefit Option: Option to receive monthly income for 5 years upon major stage diagnosis.
Payout Options
- Option 1: Level Sum Assured
- Option 2: Increasing Sum Assured
Benefits
Cardiac Benefit:
- Early Stage: 30% of the sum assured for early stage cardiac conditions.
- Major Stage: 100% of the sum assured for major stage cardiac conditions.
- For detailed exclusions, refer to the sales brochure.
Renal Benefit:
- Early Stage: 30% of the sum assured for early stage renal conditions.
- Major Stage: 100% of the sum assured for major stage renal conditions.
- For detailed exclusions, refer to the sales brochure.
Comprehensive Benefits:
- Covers both cardiac and renal conditions at early and major stages. Payouts are 30% of the sum assured for early stage conditions and 100% of the sum assured for major stage conditions.
Premium Waiver Benefit:
- If a claim for an Early Stage Cardiac or Early Stage Renal Condition is approved, all future premiums are waived from the next due date. This applies for the lesser of the next 5 years or the remaining policy term.
Income Benefit Option:
- Available only at policy inception and cannot be opted out later. This option provides a monthly income equivalent to 1% of the sum assured upon the admission of a claim for a major stage cardiac and/or renal condition, depending on the chosen plan benefit.
Frequently Asked Questions
- What is critical illness insurance cover?
- Why should I purchase this plan?
- What are the main benefits of the plan?
- Is this a heart insurance plan only?
- What is the eligibility criteria for this plan?
- Is it an individual plan or a family plan?
- Is there any taxation benefit for this plan?
- Where is the medical test conducted for this plan?
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