SUD Life Accidental Total and Permanent Disability Rider-Tulip

142A025V01-(Linked Non-Participating Accidental Total & Permanent Disability Benefit Rider)

Accidents are common nowadays, and an accident can incapacitate an individual’s life making an individual unable to earn an income from any work, occupation or profession for the rest of his/her life. In order to safeguard your financial risks, Star Union Dai-ichi Life Insurance offers you SUD Life Accidental Total & Permanent Disability Rider, which provides additional benefits equal to rider sum assured in the event of total & permanent disability caused due to an accident.

On Total and Permanent disability due to Accident - Rider Sum Assured will be paid to the policyholder
For return of premium option, total premium will be paid back at the end of the policy term^
Avail Tax benefit#

Buy SUD Life Accidental Total and Permanent Disability Rider-Tulip Online

Your First Name *

Last Name *

Email ID*

Mobile Number*

+91

We Don't Spam

Verify OTP via

Mobile Number

I hereby consent to receive policy related communication from SUD Life Insurance Co. Ltd or its authorized representatives via Call, SMS, Email & Voice over Internet Protocol (VoIP) including WhatsApp

Note: The contact details provided in this form are collected solely for lead generation and customer outreach purposes. Submission of this form does not constitute a quote request, and the information provided is not used for insurance quote generation.

What is SUD Life Accidental Total and Permanent Disability Rider-Tulip Plan?

Download Plan Related Documents

Download plan related documents

Product brochure (Prospectus)

Policy Document

Product CIS

How Does SUD Life Accidental Total and Permanent Disability Rider-Tulip Plan Work?

SUD Life Accidental Total & Permanent Disability Rider will be offered as an add-on benefit to the base plan. You can add this rider to your base policy to further enhance the benefit of the policy you had bought at the time of purchasing the base product. The rider premium will be collected separately over and above the premium under the base product. You can also add the rider to the base plan at any policy anniversary. When the rider is purchased at policy anniversary, the rider policy and premium payment term will be for the remaining premium payment term and policy term of the base policy.

1.Accidental Total & Permanent Disability

“Accidental Total & Permanent Disability” refers to a disability:
a. which is caused by Bodily Injury resulting from an accident, and
b. which occurs due to the said Bodily Injury solely, directly and independently of any other causes, and
c. which occurs within 180 days of the occurrence of such accident and

The Life Assured shall be regarded as being totally and permanently disabled under a "Presumptive" definition of disability, only if the Life Assured, due to accident, directly and independently of any other cause, has suffered one (or
more) of the following impairments:
i. the total and permanent loss of sight in both eyes, or
ii. the loss by physical severance (or total and permanent loss of use) of two limbs at or above the wrist or ankle, or
iii. the total and permanent loss of sight in one eye and the loss by physical severance (or total and permanent loss of use) of one limb at or above the wrist or ankle.

2.Accident

“Accident” is defined as A sudden, unforeseen, and involuntary event, caused by external, visible, and violent means which causes bodily injury, but excludes illness and diseases

3.Bodily Injury

Bodily Injury means Injury must be evidenced by external signs such as contusion, bruise and wound except in cases of drowning and internal injury

4.Injury

“Injury” means accidental physical bodily harm excluding any Illness, solely and directly caused by an external, violent, visible, and evident means which is verified and certified by a Medical Practitioner.

5.Medical Practitioner

“Medical Practitioner” means a person who holds a valid registration from the medical council of any State of India or Medical Council of India or any other such body or Council for Indian Medicine or for homeopathy set up by the Government of India or by a State Government and is thereby entitled to practice medicine within its jurisdiction and is acting within the scope and jurisdiction of his license, provided such Medical Practitioner is not the Life Insured covered under this Policy or the Policyholder or is not a spouse, lineal relative of the Life Insured and/or the Policyholder or a Medical Practitioner employed by the Policyholder/Life Insured. Loss of Sight mean total, permanent and irrecoverable loss of sight of both eyes as a result of an Accident. The blindness must be confirmed by an Ophthalmologist. The blindness is evidenced by: - corrected visual acuity being 3/60 or less in both eyes or. - the field of vision being less than 10 degrees in both eyes. The diagnosis of blindness must be confirmed and must not be correctable by aides or surgical procedures.

SUD Life Accidental Total and Permanent Disability Rider-Tulip Plan Benefits

Here are the benefits that you get from the plan

Accidental Total & Permanent Disability (ATPD) Benefit:

If Life Assured suffers accidental total and permanent disability during the term of the rider policy, the ATPD benefit will be paid immediately as a lumpsum.

ATPD Benefit is Highest of:
1. Rider Sum Assured,
OR
2. 10 times the Annualized Rider Premium,
OR
3. 105% of total premiums paid as on date of event.
“Annualized Rider Premium” shall be the rider premium amount payable in a year excluding taxes, underwriting extra premiums and loadings for modal premiums.

“Total Premiums Paid” means total of all the premiums paid under the rider, excluding any extra premium and taxes, if collected explicitly.
The benefit will be reduced by the rider premium falling due and unpaid during the policy year in which event occurs.
The ATPD benefit under the Rider Policy will be paid only if the Accident happens within the Rider Policy term and the Rider Policy is in-force or in reduced paid-up status; and Accidental Total and Permanent Disability happens within 180 days of such Accident.
In case the Accident has occurred while the Rider Policy is in-force or in reduced paid-up status and ATPD occurs after cessation of the Rider cover, but within 180 days from the date of Accident, the rider benefit shall be payable.
In the event of death of Life Assured due to any cause, no death benefit shall be paid under the Rider Policy.
The Rider Policy will terminate after payment of ATPD benefit however the Base Policy to which the Rider is attached will continue as per the terms and conditions of the Base Policy.

Maturity Benefit

On survival of the Life Assured to the end of the Policy Term, provided the rider policy is In-force, Guaranteed Maturity Benefit as defined below will be paid and the rider policy gets terminated immediately.
The Rider Policy will terminate on the date of maturity.

Non forfeiture Benefits

In the event of occurrence of any non-forfeiture event listed below, the Company will pay either the Surrender Value or Policy Cancellation Value, as applicable. As this Rider Policy will be attached to a unit linked policy, a lock in period of 5 years is applicable. During the lock-in period of 5 years, no policy proceeds will be payable under the Rider Policy, except the ATPD benefit.

Why Choose SUD Life?

1.55+ Cr Lives Covered

3rd Largest Life Insurer for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

23,900+

Distribution Points across India

₹37,575+ Cr

Assests Under Management

99.01% Claims Settlement Ratio

Individual Claims Settlement Ratio as on 31.03.2026

₹9,592 crore

Gross Premium till 31.03.2026

₹4,932 crore EV* (Dec '24)

*Indian Embedded Value ₹4,932 crore (Mar'26)

Testimonials

Know why customers buy Life Insurance from us

Best Insurance Claim Support Team

Choosing SUD Life Insurance was one of the best decisions I've made for my family's future. Their attentive team made the entire process seamless, ensuring I found the perfect plan tailored to my needs.

Ramprakash Shivram Yadav

Companies in India for Life Insurance Policy with a Wide Reach

Suresh Gajanan Patil

PMJJBY Claim

I have visit at Nanded Branch for pmjjby death claim documents submitted i very thankful mr.. akash sir my uncle Pmjjby death payment received at 3dyas.

Yash Thakur

And Many More.

View All

Connect with us

WhatsApp (Drop a 'HI')

(+91) - 7208 867122

Email

customercare@sudlife.in

Toll-Free Number

1800 266 8833
Monday to Saturday
09:00 AM to 07:00 PM

Locate our Branches Check Policy Status

Frequently asked questions (FAQs)

What is the maximum sum assured for the SUD Life Accidental Death and Total & Permanent Disability Benefit Rider?

What premium payment modes are for SUD Life Accidental Death and Total & Permanent Disability Benefit Rider?

What is the grace period for premium payments under the SUD Life Accidental Death and Total & Permanent Disability Benefit Rider?

What happens if premiums are not paid after two years under the SUD Life Accidental Death and Total & Permanent Disability Benefit Rider?

Is there any policy loan available under SUD Life Accidental Death and Total & Permanent Disability Benefit Rider?

What is the surrender benefit under the SUD Life Accidental Death and Total & Permanent Disability Benefit Rider?

How can the SUD Life Accidental Death and Total & Permanent Disability Benefit Rider be revived?

The maximum sum assured under this rider is ₹50 lakh per life. However, it cannot exceed the total sum assured of the base individual life insurance policy to which the rider is attached. Additionally, the total premium for all riders should not exceed 30% of the base policy premium, and the total sum assured across all STAR UNION DAI-ICHI products should not exceed ₹50 lakh. The sum assured must be in multiples of ₹1,000

The premium for this plan can be paid in four modes: Annual, Semi-annual, Quarterly, or Monthly. The premium amount will be adjusted based on the chosen payment mode using the following factors: Annual: 1, Semi-annual: 0.5125, Quarterly: 0.2625, Monthly: 0.0885. These factors ensure the premium is calculated according to the frequency of payment.

The grace period for premium payments is 30 days for annual, semi-annual and quarterly payments and 15 days for monthly payments. Suppose accidental death or total and permanent disability occurs during the grace period. In that case, the rider benefit will be paid, but the due premiums for the current and future policy years will be deducted.

If premiums are paid for the first two full years but not for subsequent years (even in the grace period), the policy will acquire a Reduced Paid-Up status. The Paid-Up Sum Assured Amount is calculated as follows: 75% * (Total number of premium instalments paid till now / Total number of premiums payable) * Rider Sum Assured. In the case of accidental death during this period, the Reduced Paid-Up Sum Assured will be paid. For accidental total and permanent disability, the benefit will be paid in 10 equal half-yearly instalments, and if the life assured passes away during this period, the remaining instalments will be paid in a lump sum to the nominee

No, there is no such option available

The surrender benefit depends on the premium payment mode: For the Regular Premium Plan, there is no surrender value. For a Single Premium Plan, the policy can be surrendered anytime. The surrender value is 60% of the single premium (excluding taxes), adjusted by the unexpired term. For Limited Premium: The policy acquires surrender value after two full years of premiums. The surrender value is calculated based on premiums paid, unexpired policy term, and total premiums payable. Once surrendered, the rider cannot be rejoined during the base plan term.

The rider can only be revived along with the base plan within 5 years from the date of the first unpaid premium. To revive, the policyholder must pay the overdue premiums with interest and submit satisfactory medical evidence as per the underwriting rules. The revival will also be subject to the terms of the base plan