• Star Union Dai-Ichi Life Critical Illness Benefit Rider Plan

    Life Insurance
    • Premiums as low as Rs.17/day for sum assured of Rs.1 crore*
    • Claim up to Rs. 1,50,000 deduction under section 80C**
    • Choose between annual and monthly premium payment options

    The Star Union Dai-Ichi (SUD) Life Critical illness rider is an additional coverage provided to policyholders to cover critical illnesses. This is not an independent policy but it is an add-on to the base policy plan. It is meant to provide additional financial support to the insured in case he/she is affected by any one of the nine critical diseases specified in SUD Life’s brochure.

    Eligibility - Who is the Critical Illness Benefit Rider Plan for?

    Entry age (minimum): 18 years last birthday
    Entry age (maximum): 55 years age last birthday
    Premium paying term (Minimum): 5 years
    Maximum age upto which cover is granted: 60 years
    Term of paying premium: 5 to 42 years (Depending on base plan)

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

    Sum Assured The guaranteed amount of money that you or your nominee is entitled to receive after a course of time, is called the sum assured.

    Basic sum assured (Minimum) Basic sum assured (Maximum)
    Rs.10,000 Rs.20 lakh

    Under each of the riders attached to a base policy, the maximum sum assured is limited to 50% of the sum assured under the base plan. It is also subject to the condition that the premiums paid for all the riders collectively, should not exceed 30% of the premium for the base plan.


    The value for premiums is not set. The premiums for riders are mostly dependent on the sum assured.

    *Premiums vary based on age, location, plan term and other factors

    Plan Coverage - What the Critical Illness Benefit Rider Plan covers?

    The basic sum assured under this rider plan will be paid if the life insured is diagnosed with one of the following diseases:

    • Cancer
    • Heart Attack
    • Coma
    • Stroke
    • Major Organ Transplantation
    • Multiple Sclerosis
    • Coronary Artery Bypass Surgery
    • Kidney Failure
    • Heart Valve Surgery

    The Critical Illness Benefit Rider Plan provides the benefits while the base policy is in force and the 30-day survival period between the diagnosis of a critical disease and eligibility* for a benefit payment is maintained. The maximum sum assured is restricted to Rs.20 lakh across all policies, except for Multiple Sclerosis, where the maximum benefit amount will be Rs.10 lakh.

    • Cancer: The diagnosis of cancer has to be supported by historical evidence of malignancy. The company will also appoint an oncologist or pathologist to confirm the diagnosis.
    • Heart Attack: A company appointed consultant cardiologist must confirm the diagnosis.
    • Coma: The company will appoint a neurologist who will confirm all the evidences to support the diagnosis.
    • Stroke: The diagnosis must be validated by changes seen in a CT scan or MRI and is to be confirmed by a company-appointed neurologist.
    • Major Organ Transplantation: The transplant has to be medically necessary and based on confirmation of organ failure.
    • Multiple Sclerosis: The diagnosis has to be thoroughly supported by all the necessary means that the company brochure suggests.
    • Coronary Artery Bypass Surgery: The diagnosis has to be validated by angiographic evidence of coronary artery blockage and confirmed by a company-appointed consultant cardiologist.
    • Kidney failure: A company-appointed consultant physician has to validate the evidence of end stage kidney disease and the medical need of dialysis or transplantation of kidney(s).
    • Heart Valve Surgery: The heart valve abnormality is to be validated by echocardiogram and cardiac catheterisation. A consultant cardiologist appointed by the company also has to consider the process to be medically necessary.

    *However, there are certain exclusions listed in the brochure for each of the above ailments where the claims will not be entertained.

    Exclusions - What the Critical Illness Benefit Rider Plan doesn’t cover?

    The claims occurring (directly or indirectly) due to any of the following will not be paid under the benefits of the rider:

    • AIDS or HIV
    • Any pre-existing medical conditions
    • Intentional, self-inflicted injury, irrespective of mental condition
    • Attempted suicide, irrespective of mental condition
    • Radioactive contamination due to nuclear accident
    • Diagnosis or treatment outside India
    • Being part of any criminal act
    • Unexplainable failure to seek medical advice
    • Service in military, police, paramilitary, etc.
    • Any medical situation which manifests itself within 90 days of the risk acceptance date or 90 days of reinstatement date of the benefit
    • Alcohol or solvent abuse
    • Taking drugs (except under the direction of a registered medical practitioner)

    Why should you buy the Star Union Dai-Ichi Critical Illness Rider Plan?

    The Star Union Dai-Ichi Critical Illness Rider assures financial help for an insured in case he/she is diagnosed with one of the listed critical diseases. The company has received a number of awards for their exemplary service in this sector. The company’s efficient customer care is very helpful and allows hassle-free claims and grievances settlement. Claims settled by Star Union Dai-Ichi for the year 2016-17 was 84.5% and the grievances settlement ratio was 100% for the same period of time.

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