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What is Exide Life Critical Illness Rider?

Exide Life Critical Illness Rider is an add-on protection benefit that policy holders can add to their new or existing traditional Exide Life Insurance policies. It pays a lump sum benefit in case the life assured is diagnosed with major illness like Heart Attack, Cancer, Paralysis, Kidney failure, Coma etc. This benefit payout ensures that family is not burdened with high medical expenses, thereby allowing them to maintain their standard of living.

It gives you an option to cover either 4 critical illnesses (Option A) or 25 critical illnesses (Option B).

Critical Illnesses covered:

Cover up to 25 illness –

Cancer of Specified Severity  First Heart Attack - of specified severity  Stroke resulting in Permanent Symptoms Open Chest Coronary Artery Bypass graft  Kidney Failure Requiring Regular Dialysis 
Major Organ/ Bone Marrow Transplant  Benign Brain Tumour  Permanent Paralysis of Limbs  Coma of Specified Severity  Blindness 
Major Burns Heart Valve Surgery Surgery of Aorta Motor Neurone Disease with Permanent Symptoms  Multiple Scelerosis with Persisting Symptoms 
Aplastic Anaemia  End Stage Lever Disease Chronic lung disease Alzheimer Disease Parkinson's disease
Loss of speech Major Head Trauma Primary Pulmonary Hypertension Systemic Lupus Erythematosus with Lupus Nephritis Apallic Syndrome

Option A provides protection against Cancer, Heart Attack, Stroke, Coronary Artery Bypass graft.

Option B provides protection against 25 illnesses as mentioned in the Comprehensive Protection mentioned above.

4 Reasons to buy this plan

1 Lump sum amount on diagnosis of a critical illness
2 Full benefit amount paid irrespective of actual expense
3 Can be attached to select new and existing Exide Life Insurance plans
Tax saving on premium and benefit amount

Key Benefits

1. Lump sum amount on diagnosis
Get lump sum amount equal to rider sum assured on diagnosis of any of listed critical illnesses as per your listed plan.
2. Full benefit amount paid
The lump sum amount is paid immediately on the diagnosis of the listed critical illness irrespective of the actual expense incurred towards the treatment of critical illness
3. Tax Benefit
The rider provides for income tax rebate under section 80D and for benefit amount under section 10 (10 D).

How this plan works?

35 year old Ravindra saves ₹2,762 p.m. for 20 years in Exide Life Secured Income Insurance RP for his daughter's education. He pays an extra premium of ₹350 p.m. for additional protection of ₹5 Lac against 25 critical illnesses. The benefits of this plan are shown below:

Exide Life Best Health Insurance Plan

Premium shown is exclusive of service tax

Key Features

Minimum / Maximum Age at Entry

For Critical Illness Rider:- 18 years – 65 years

Critical Illness Benefit Ceasing Age

70 years

Minimum Sum Assured

₹50,000

Maximum Sum Assured

Lower of,

  • ₹25 lakhs or
  • Sum Assured of the base policy

Rider Term (minimum/maximum)

For Critical Illness Rider: 5 years – 40 years

Premium Payment Terms

Regular Pay - Equal to Policy Term

Premium Payment Modes

Same as that of the base policy

Premium Rates Revision

For Critical Illness Rider: Premium rates are guaranteed for a 5 years;

UIN:114B009V02. For more details on risk factors, terms & conditions please read the sales brochure of products carefully before concluding a sale. Exide Life Insurance Company Limited (Formerly known as Exide Life Insurance Company Limited). IRDA Registration number: 114, CIN: U66010KA2000PLC028273. Registered Office: 3rd Floor, JP Techno Park, No. 3/1, Millers Road, Bangalore- 560 001, India. Toll Free: 1800 419 8228; Visit: exidelife.in. URN : EXL/ONLINE/2014/134.

Beware of spurious phone calls and fictitious/fraudulent offers: IRDA clarifies to public that IRDA or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDA does not announce any bonus, public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.
Exide Life – Health Insurance Rider 
Who should buy
Who should buy?
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Who should buy?

You should buy this if you are looking at enhancing your insurance cover against critical illnesses. You can do so by attaching this rider to your current Exide Life Insurance policy.
Critical illness insurance key Features
Key Features
What is Exide Life Critical Illness Rider?

Exide Life Critical Illness Rider is an add-on protection benefit that policy holders >>

(UIN:114B009V02)
Key Benefits
Key Benefits
How does plan works
How this plan works?
Product Brochure
Product Brochure
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Terms & Conditions
4 Reasons
to buy this plan
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