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- content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f?path=/Menu Icons/insure.svgINSURE
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- ABSLI CritiShield Shield Plan
ABSLI CritiShield Shield Plan
A Traditional Non - Participating Health Insurance Plan
Features
FeaturesCovers all stages of cardiac conditions and renal conditions
Option to choose coverage for cardiac conditions or renal conditions or both the conditions
Option to choose Level or Increasing Cover
Option to receive Monthly Income for 5 policy years on diagnosis of major stage conditions
Waiver of Premium for 5 years on diagnosis of early stage conditions
Benefit
BenefitCardiac Benefit
Early Stage Cardiac Condition - On diagnosis of an early stage cardiac condition, 30% of the sum assured on cardiac illness will be paid.
Major Stage Cardiac Condition - At the major stage of a cardiac condition, 100% of the sum assured on cardiac illness less any previously paid claim for an early stage cardiac condition will be paid.
The only illnesses covered under this plan benefit are cardiac conditions.
Renal Benefit
Early Stage Renal Condition - On diagnosis of an early stage renal condition, 30% of the sum assured on renal illness will be paid.
Major Stage Renal Condition - At the major stage of a renal condition, 100% of the sum assured on renal illness less any previously paid claim for an early stage renal condition will be paid.
The only illnesses covered under this plan benefit are renal conditions.
Comprehensive Benefit
Early Stage Cardiac Condition - On diagnosis of an early stage cardiac condition, 30% of the sum assured on cardiac illness will be paid.
Early Stage Renal Condition - On diagnosis of an early stage renal condition, 30% of the sum assured on renal illness will be paid.
Major Stage Cardiac Condition - At the major stage of a cardiac condition, 100% of the sum assured on cardiac illness less any previously paid claim for an early stage cardiac condition will be paid.
Major Stage Renal Condition - At the major stage of a renal condition, 100% of the sum assured on renal illness less any previously paid claim for an early stage renal condition will be paid.
This plan benefit covers both cardiac & renal conditions and is paid irrespective of any earlier claim paid.
Sum assured on cardiac illness OR sum assured on renal illness is the highest of:
10 times the annual premium; or
105% of all the premiums paid till the date of a valid claim; or
Minimum guaranteed sum assured on maturity; or
Effective cardiac sum assured or Effective renal sum assured
Annual premium is the premium payable in a year chosen by the policyholder, excluding the underwriting extra premiums, service tax and loadings for modal premiums, if any.
Premium Waiver Benefit
Once a valid claim under the Early Stage Cardiac Condition or an Early Stage Renal Condition is approved, all the future premiums for the policy will be waived starting from the next premium due date following the date of diagnosis of the Early Stage Cardiac or Early Stage Renal Condition as may be applicable for lower of (a) the next 5 years or (b) balance policy term.
Under Comprehensive Benefit option, in case of a valid Early Stage claim being approved for one covered conditions, all the total future premiums for the policy will be waived, starting from the next premium due date following the date of diagnosis of such Early Stage condition, for lower of (a) the next 5 years or (b) balance policy term or c) the date when a valid Early Stage claim is approved for the second covered condition. If the second valid Early Stage claim is approved (viz. claim for Early Stage Cardiac Condition following claim for Early Stage Renal Condition or vice versa), the existing premium waiver will cease and new premium waiver shall commence, starting from the next premium due date following the date of diagnosis of the second Early Stage condition, for lower of (a) the next 5 years or (b) balance policy term.
After the completion of the premium waiver period and provided the policy is not yet terminated as per condition mentioned below in the termination clause, you will have to resume the payment of the future installment premiums as per the premium amount payable at inception of the policy, from the next premium due date.
For Comprehensive Benefit option, the total installment premiums payable after the premium waiver period will be reduced by the installment premium payable at inception, for the illness for which the claim for Major Stage condition has already been admitted during the premium waiver period.
Income Benefit Option
You will have an option to choose this benefit at policy inception only and once chosen cannot be opted out. Under the income benefit option, a monthly income equivalent to 1% of the sum assured on cardiac illness or renal illness would be paid out once a claim for a major stage cardiac or renal condition has been admitted.
For comprehensive benefit, a monthly income equivalent to 1% of the sum assured on cardiac illness is payable following a valid major stage cardiac claim. A monthly income equivalent to 1% of the sum assured on renal illness is payable following a valid major stage renal claim. Payment of cardiac condition benefit will not impact the benefit paid under renal conditions and vice versa.
This monthly income benefit will be payable for a fixed period of next 5 years even beyond the policy expiry date. In case of death of the policyholder, nominee will continue to receive the income benefit.
Eligibility
EligibilityEntry Age | 18 - 65 years |
Maturity Age or Cover Ceasing Age | 75 years |
Policy Term | Minimum - 5 years Maximum - 20 years |
Premium Paying Term | Regular pay |
Premium Paying Mode | Annual | Semi-annual | Quarterly | Monthly |
Sum Assured | Minimum - Rs. 10 lakh Maximum - Rs. 50 lakh |
FAQs
What is critical illness insurance cover?
Critical illness insurance cover provides financial liquidity in case of early and major stages of cardiac and renal issues. Depending on the plan and options chosen, pay-outs are made in case the life insured is diagnosed for cardiac or renal ailments.
Why should I purchase this plan?
In today’s time, heart and kidney illnesses are on the rise due to eating habits, change in lifestyle and everyday stress. Treatment costs for such ailments could wipe out one’s savings. This critical insurance plan offers you critical illness cover and provides financial liquidity to cover your expenses if you happen to get diagnosed.
What are the main benefits of the plan?
The plan, like some of the best critical illness plans, offers a risk cover against early and major stage heart and kidney conditions. For details, please refer to the benefits, section of the plan.
Is this a heart insurance plan only?
No. The plan offers options of covering cardiac (heart) conditions, and/or renal (kidney related) conditions as well.
What it the eligibility criteria for this plan?
When buying this critical illness insurance, life insured must be between 18 – 65 years of age and the cover will cease when life insured is 85 years old. The policy term can be between 5 years and 50 years.
Is it an individual plan or a family plan?
This is an individual plan.
Is there any taxation benefit for this plan?
Yes, as per extant tax laws, this critical insurance plan offers tax benefits2 under section 80D of the Income Tax Act, 1961, subject to fulfilment of the other conditions of the section prescribed therein. You are advised to consult your tax advisor for details.
Where is the medical test conducted for this plan?
Before the issuance of the plan, basis your medical history and sum assured, a medical test may be conducted at a diagnostic centre of your choice inside India.
Disclaimer
HDFC Bank Limited (IRDAI Registration No: CA0010) is the Corporate Agent of Aditya Birla Sun Life Insurance Company Limited and does not underwrite the risk or act as an insurer. HDFC Bank Limited, HDFC Bank House, Senapati Bapat Marg, Lower Parel (West), Mumbai - 400 013. Participation by the Bank’s clients in the Insurance products is purely on a voluntary basis. The contract of Insurance is between Aditya Birla Sun Life Insurance Company Limited and the Insured and not between HDFC Bank and the Insured.
This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a traditional non participating health insurance plan. All terms & conditions are guaranteed throughout the policy term. GST and any other applicable taxes will be added (extra) to your premium and levied as per extant tax laws. For more details on risk factors, terms & conditions, please refer to the sales brochure before concluding the sale. Tax benefits are subject to changes in the tax laws. For more details and clarification call your ABSLI Insurance Advisor or visit our website and see how we can help in making your dreams come true. Aditya Birla Sun Life Insurance Company Limited Registered Office: One World Center Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013. Call Centre: 1-800-270-7000 www.adityabirlasunlifeinsurance.com IRDAI reg no.109 CIN: U99999MH2000PLC128110 VER1/NOV/2019 UIN: 109N104V02
ADV/9/20-21/1039
BEWARE OF SPURIOUS / FRAUD PHONE CALLS! IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
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