DHFL Unit Linked Critical Illness Rider

Well aware of the effects a critical illness can have on the welfare and financial security of an individual or a family, DHFL Pramerica Life Insurance has rolled out the DHFL Unit Linked Critical illness Rider. The DHFL Unit Linked Critical illness rider covers the costs of the listed critical illnesses and reduces the financial burden faced by individuals or families following the diagnosis of a critical illness.

Eligibility -Who is the DHFL Unit Linked Critical illness rider for?

To be eligible for the DHFL Unit Linked Critical illness rider, customers need to meet certain criteria.

Parameters	Details
Entry Age	Minimum: 18 years Maximum: 55 years
Maturity Age	65 years (as of last birthday)

Sum Assured and Premium Range - What you get and what it costs?

Sum Assured: The minimum sum assured of the base plan is Rs.50,000 and the maximum sum assured is Rs.25 lakh.

Premium: The premium of the DHFL Unit Linked Critical illness rider depends on the sum assured chosen by the policyholder.

Plan Coverage - What the DHFL Unit Linked Critical illness Rider covers ?

The DHFL Unit Linked Critical illness rider covers 10 critical illnesses.

Critical illness cover

The DHFL Unit Linked Critical illness rider offers coverage for the 10 listed critical illnesses as well as offers the benefit of extra coverage of the critical illness goes past 30 days from the day of being diagnosed. The critical illnesses covered by DHFL Unit Linked Critical illness rider are listed below: First heart attack Cancer (specified severity) Stroke resulting in paralysis or some form of permanent disability Open Chest Coronary Artery Bypass 4 Graft Surgery (CABG) Kidney failure requiring dialysis Bone marrow or major organ failure Paralysis or loss of limbs Aorta surgery Major burns Open heart replacement Blindness to one or both eyes

Riders/Add-On Plans – Additional coverage under the DHFL Unit Linked Critical illness rider:

DLF Pramerica Unit Linked Accidental Death Benefit (ADB) Rider:

An add-on rider to the base policy, the DLF Pramerica Unit Linked Accidental Death Benefit (ADB) Rider offers financial security to the family of the deceased policyholder following death from an accident, or death occurring within 180 days of the accident.

Parameters	Details
Entry Age	Minimum: 18 years Maximum: 60 years
Maturity Age	65 years
Sum assured	Minimum: Rs.50,000 Maximum: Rs.50 lakh

Exclusions - What the DHFL Unit Linked Critical illness rider doesn’t cover?

No benefits are payable if the policyholder is diagnosed with a critical illness arising from the below mentioned situations:

• Self inflicted injury, intentional or not.
• For any pre-existing disease or condition.
• Any medical condition or critical illness that arises within 90 days of the commencement of the policy.
• Critical illness arising from AIDS or HIV.
• Death or disability as a result of any military, policy or paramilitary activity.
• Death or disability arising from war, civil unrest, riots, etc.
• Death or disability arising from any criminal or terrorist activity.
• Critical illness arising from drug or alcohol abuse.
• Suicide or attempted suicide.
• Death or disability arising from any nuclear activity.

DLF Pramerica Unit Linked Accidental Death Benefit (ADB) Rider exclusions:

• Self inflicted injury, intentional or not.
• Death or disability as a result of any military, policy or paramilitary activity.
• Death or disability arising from war, civil unrest, riots, etc.
• Death or disability arising from any criminal or terrorist activity.
• Suicide or attempted suicide.
• Death or disability arising from any nuclear activity.
• Death or disability arising from any hazardous sport.

Other Key Features – Freelook Period, Surrender Values, Grace Period etc.

The key features of the DHFL Unit Linked Critical illness rider are listed below:

Waiting period	No benefits will be payable during the first 90 days since the commencement of the policy. The critical illness coverage kicks in after the 90 day waiting period.
Survival period	Coverage under the DLF Pramerica Unit Linked Accidental Death Benefit (ADB) Rider is applicable only if the policyholder survives past 30 days from the day of being diagnosed.

Tax Benefits – How you can save with the DHFL Unit Linked Critical illness rider?

In accordance with the Income Tax Act 1961, policyholders of the DHFL Unit Linked Critical illness rider can avail tax benefits under:

• Section 80C of the Income Tax Act, 1961, for the contributions made towards the scheme.
• Section 10 (10D) of the Income Tax Act, 1961, for proceeds from death benefits.

Other Benefits – How you can save with the DHFL Unit Linked Critical illness rider

Availing a plan from DHFL Pramerica Life Insurance comes with a number of benefits.

• Customers can utilize the DHFL Pramerica Life Insurance guide on their website - which will guide customers through all the insurance products on offer, helping them determine the right insurance product for them.
• The DHFL Pramerica Life Insurance advisor will address the doubts, requests, grievances of customers and give them life-saving beneficial solutions to their problems.
• Customers can make contributions through different payment channels - credit cards, net banking account, debit card, e-wallets, etc.
• Customers can even track their insurance applications.
• Customers can make claims on the DHFL Pramerica Life Insurance website.
• Customers can take advantage of the request for an agent service, the call back service, or the cheque pickup service.

Why you should buy the DHFL Unit Linked Critical illness rider from DHFL Pramerica Life Insurance?

Headquartered in Gurgaon, DHFL Pramerica Life Insurance is one of the best emerging insurance companies in the country. Having more than a hundred branches and 3000 plus employees working round-the-clock to bring customer satisfaction, DHFL Pramerica Life Insurance caters to the needs of individuals and families, offering them a variety of insurance products as well a means to be financially secure. Along with savings and wealth fund options, DHFL Pramerica Life Insurance offers retirement plan, child future plans, and critical illness plans to name a few.