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

Covers 40 major illnesses including cancer, heart attack, kidney failure, and neurological disorders. Provides financial support for both sudden and long-term medical conditions.

Early-Stage Cancer Benefit

Pays 25% of Rider Sum Assured on diagnosis of early-stage cancer. Coverage continues with the remaining 75% for other listed illnesses.

Return of Premium Option

With ROP, 100% of premiums paid are returned at maturity. Ensures protection plus savings even if no claim is made.

Flexible Payment Options

Choose Limited Pay for shorter premium duration or Regular Pay for full term. Payment terms align seamlessly with your base policy.

Financial Cushion

Immediate lump sum payout helps cover treatment, income loss, or living expenses. Provides liquidity at the time of medical emergencies

Tax Benefits

Premiums and benefits may qualify under Sections 80C and 10(10D) of the Income Tax Act. Offers health protection along with potential tax savings.

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.

On diagnosis of a covered condition, a lump sum is paid. For early-stage cancer, 25% of Rider Sum Assured is paid, and coverage continues for the remaining 75%.

Yes, under the ROP option, 100% of premiums paid are returned at maturity

Grace period of 15 days (monthly mode) and 30 days (other modes). Lapse and reduced paid-up conditions apply.

Yes, under the ROP option after one year, subject to surrender value conditions.

Yes, 90 days from commencement or revival, except for accident-related claims.

Yes, 30 days survival required post diagnosis for benefit.