SUD Life Total CritiCare Rider

UIN: 142A026V01 | Individual Linked Non-Participating Health Rider

SUD Life Total CritiCare Rider is an Individual Linked Non-Participating Health Rider designed to provide financial protection against critical illnesses. It offers coverage for critical illnesses along with early-stage cancer benefits. The rider provides lump sum payouts on diagnosis, ensuring financial support for medical expenses, income replacement, or essential living costs. Depending on the option chosen, it may also return premiums at maturity.

  • Coverage for Critical Illnesses including cancer, heart attack, kidney failure, and neurological disorders
  • Early-Stage Cancer Benefit: 25% of Rider Sum Assured paid; coverage continues for the balance
  • Plan Options: With Return of Premium (100% premiums back) or Without Return of Premium
  • Flexible Premiums: Limited Pay or Regular Pay, aligned with your base policy

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What is SUD Life Total CritiCare Rider?

Modern life brings rising stress and health risks. A serious illness can destabilize not just your health but also your family’s financial future. While medical advances offer hope, the costs remain daunting.

With SUD Life Total CritiCare Rider, you can strengthen your financial defence against critical illnesses. It provides immediate, flexible payouts to help you manage treatment costs, maintain income, and secure your family’s lifestyle.

This rider is an add-on benefit to your Unit Linked Base Insurance Plan. It enhances protection by covering critical illnesses and offering early-stage cancer benefits. You can choose between two options:

  • With Return of Premium (ROP)

  • Without Return of Premium

Premiums are collected separately over and above the base policy premium. Once selected, the option cannot be changed during the rider term.

    Download Rider Related Documents

    Product brochure (Prospectus)
    Policy Presentation
    Policy Document
    Product CIS

    How Does SUD Life Total CritiCare Rider Work?

    Once you select the SUD Life Total CritiCare Rider, you shall choose the following: Premium Payment term, Premium payment frequency, Rider Sum Assured

    1.Coverage

    Lump sum payout on diagnosis of covered conditions.

    2.Early-Stage Cancer

    25% of Rider Sum Assured paid; policy continues with 75% balance

    3.Critical Illnesses

    Coverage for listed illnesses

    4.Maturity Benefit

    With ROP – 100% of premiums returned; Without ROP – no maturity benefit

    5.Death Benefit

    No benefit payable; rider terminates immediately

    Benefits of SUD Life Total CritiCare Rider

    Here are the benefits that you get from the plan

    Comprehensive Critical Illness Protection

    Early-Stage Cancer Benefit

    Return of Premium Option

    Flexible Payment Options

    Financial Cushion

    Tax Benefits

    Why Choose SUD Life Total CritiCare Rider?

    • Strengthens your base unit linked insurance plan with critical illness protection.
    • Provides early-stage cancer benefit with continued coverage.
    • Offers flexibility with ROP or Without ROP options.
    • Ensures financial support during medical emergencie
    • Returns premiums at maturity (ROP option).

    Frequently asked questions (FAQs)

    What makes SUD Life CritiCare Rider different?
    How does the payout work?
    Is there a maturity benefit?
    What happens if I miss a premium?
    Can I surrender the rider?
    Is there a waiting period?
    Is there a survival period?

    It covers 40 critical illnesses and offers early-stage cancer benefits, with an option to return premiums at maturity.

    Disclaimers