Term Insurance with Critical Illness Rider Plan

Health emergencies do not come with a warning — and neither should your protection plan. That’s where a term insurance plan with a critical illness rider becomes a smart, future-ready choice.

This rider gives you more than just life cover. It gives you a lump sum payout if you are diagnosed with a critical illness like cancer or heart disease — helping you manage treatment costs, income loss, or lifestyle changes without financial worry.

Whether you are a millennial building your financial future or a parent protecting your family, this combo ensures you are covered from all angles.

In today's fast-paced world, term insurance with a critical illness rider has become a valuable financial tool for securing your future. It combines the benefits of life cover with added protection against serious illnesses. This rider ensures that in case you are diagnosed with a critical illness, you receive a lump sum payout, easing the financial strain during difficult times. For millennials and families alike, this type of cover offers comprehensive security, making it an attractive option for policyholders in India.

A critical illness rider is like a financial safety net built into your term insurance policy. It kicks in when you are diagnosed with a serious illness and gives you a one-time, tax-free payout — so you can focus on recovery, not expenses.

Here’s why it matters:

• Covers severe, long-term illnesses like cancer, heart attack, stroke, and more

• Helps pay for medical treatment, recovery time, and income loss

• Supports your family financially if your health takes an unexpected turn

Looking for term insurance plans with affordable rider plans? Explore term insurance plans starting at Rs. 15/day* for 1 crore cover and choose the one that suits your financial goals. Get quote!

This simple add-on can be a game-changer. Here’s how it strengthens your term insurance plan:

• Financial support when you need it most: Get a lump sum amount right after diagnosis — no waiting, no hassle.

• Complete protection beyond life cover: Covers multiple high-impact illnesses, giving you broader coverage.

• Death cover stays intact: Claiming the rider doesn’t reduce the life cover your family will receive later.

• Budget-friendly enhancement: Premiums for the rider are low compared to the peace of mind it brings.

Explore rider-enhanced term plans — Check your premium now → Get Quote!

The illnesses covered may vary slightly across insurers, but here are the most common and serious conditions included:

• Cancer (major types) – Including lung, breast, and blood cancers

• Heart attack and coronary conditions – Covers first heart attack or severe conditions

• Stroke – Caused by a brain clot or haemorrhage

• Kidney failure – When regular dialysis becomes necessary

• Major organ transplants – Expenses for heart, liver, or lung transplants

Check full coverage list for your age and lifestyle — Compare plans and get quote!

You can add this rider while buying a new policy or even during policy renewal. The process is simple:

• Pick the right insurer: Choose one offering flexible rider options with a strong claim record.

• Decide your coverage amount: Factor in age, lifestyle, medical history, and future healthcare costs.

• Request the rider at purchase/renewal: Add it easily when buying online or through your advisor.

• Medical assessment (if needed): Some insurers may ask for a health check-up before approving the rider.

When it comes to protecting your life and your loved ones, term insurance with critical illness rider is more than just extra coverage — it’s proactive, powerful, and personal.

It ensures you are not just planning for "what if something happens" — but also for “what if I survive, but cannot work for months?” That’s real security.

Ready to explore personalised plans with CI cover? Get quote in a few minutes!

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