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Minimum Age at Entry
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18 years - 65 years
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Last premium paying age
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75 years
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Premium Payment Modes
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Same as that of the base policy
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Premium Payment Term
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Same as of the base plan; Only regular pay allowed
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Policy Term
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Minimum: 10 years
Maximum: Till 75 age or outstanding PPT of base plan, which ever is earlier
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Maximum Sum Assured
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Lower of,
₹20 lakhs or
Sum Assured of the base policy
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Exclusions
This Rider shall not cover the death, disability or dismemberment of the Life Assured being caused directly or indirectly by any of the following:
- Any disease or infection
- Intentional self-inflicted injury, suicide or attempted suicide, while sane or insane
- Life Assured being under the influence of alcohol, narcotics, psychotropic substances or drugs unless taken in accordance with the lawful directions and prescription of a qualified and registered medical practitioner
- War (declared or undeclared), war-like operations, invasion, civil commotion, riots or revolution
- Participation in any flying activity, except as a bonafide passenger in a commercially licensed aircraft
- Participation in a criminal or unlawful act
- Any injury sustained before the Effective Date of this Rider
- Participation in hazardous sports, hobbies or pastimes including (but not limited to) racing, parachuting, mountaineering etc
- Atomic energy explosion or radiation of any kind
