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Need assistance in choosing the right insurance plan? Get a call from our Expert.

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Term Plan With Critical Illness And Disability Rider

A term plan with a critical illness and disability rider provides financial support in case the policyholder meets with a severe accident or is diagnosed with a critical illness. It provides enhanced coverage over and above the death benefit of a pure term plan for an additional premium.
 

Secure your Family with Term Plan With Critical Illness & Disability Rider

A term policy is a basic life insurance policy that provides your loved ones with financial support when you are not with them anymore. However, there may be other situations, like an accidental disability or a critical illness, where you are unable to provide financial support to your family. 
 

A term insurance plan with critical illness benefit and disability cover provides your family with financial support in such situations. But how do you get these additional benefits, and what do they cover?
 

Let us find out more about term plans with critical illness and disability riders#.

What is a Term Plan with Critical Illness and Disability Rider?



A pure-term insurance plan does not cover some aspects, such as critical illness and accidental disability of the policyholder. To cover yourself against such situations, you can opt for a term plan with a critical illness and disability rider. 
 

Let us first understand what a rider is. 

An insurance rider is additional coverage you can get with your insurance plan to enhance its coverage. You must pay an additional premium to get the chosen rider benefit. Critical illness and disability rider benefits are rider options you can add to your term insurance plan. 
 

Here is how they differ from each other:
 

Critical Illness Rider

The critical illness rider is a term insurance rider that provides a lump sum amount to your family if you are diagnosed with a critical illness when your term policy is active. The kind of illnesses covered under critical illness riders may differ for various insurers, but they usually cover a wide variety of ailments such as kidney failure, tumours, cancer, heart diseases, etc. Your family can use the financial benefits from this rider to cover hefty medical bills and get the best medical care for you in difficult times. 
 

Accidental Disability Rider

The accidental disability rider is a term insurance rider that provides financial support if the insured person meets with an accident that leads to their total and permanent disability within a specific period from the accident. This rider also provides plan benefits to the policy nominee in case of the death of the policyholder due to the accident. The received amount can be used to compensate for the loss of income due to the policyholder’s accidental disability or death.

Why Do You Need Term Insurance With Critical Illness Cover and Disability Rider?

Here are a few reasons why adding a critical illness and disability rider to your term insurance is a good choice:
 

  • Financial support: The best term plan with disability rider and critical illness cover provides financial support to your family in their difficult times. It helps them pay hefty medical bills and other financial dues when there is a loss of income in the family. 

  • Extensive coverage: While a basic term plan provides only death benefits, adding these riders enhances the coverage scope of your term plan for an additional premium amount. Since death is not the only cause for loss of income, this rider benefit provides coverage for other critical causes like accidents and illnesses. 

  • Income tax* benefits: You can get tax* benefits according to the applicable tax* provisions on a term plan with critical illness and disability rider. 

  • Affordable policy premium: Adding a critical illness and disability rider to your term insurance policy is more cost-effective than buying individual critical illness and disability cover policies. 

  • Peace of mind: Protecting your family against the financial burden of critical illness and accidents will provide you with a sense of security and an assurance that your loved ones will not be helpless in difficult times.

What is Covered Under Term Plan With Disability Rider and Critical Illness Rider?

While the exact coverage scope under the critical illness and disability rider may vary from one insurer to another. Here are a few conditions covered by most insurers under these riders:
 

Illnesses Covered Under Critical Illness and Benefit

1. Cancer

19. Chronic Recurrent Pancreatitis 

2. Cardiomyopathy

20. Coma

3. Heart Transplant

21. Creutzfeldt-Jakob Disease

4. Major Surgery of the Aorta

22. Liver Failure

5. Open Chest CABG

23. Lung Failure

6. Myocardial Infarction

24. Loss of Speech

7. Open Heart Replacement/Repair of Heart Valves

25. Loss of Limbs

8. Primary (Idiopathic) Pulmonary Hypertension

26. Loss of Independent Existence

9. Stroke

27. Viral Hepatitis

10. Alzheimer’s Disease

28. Major Head Trauma

11. Blindness

29. Kidney Failure

12. Benign Brain Tumor

30. Major Organ Transplant

13. Apallic Syndrome

31. Parkinson’s Disease

14. Bacterial Meningitis

32. Permanent Disease of Limbs

15. Aplastic Anemia

33. Third Degree Burns

16. Deafness

34. Muscular Dystrophy

17. Encephalitis

35. Motor Neuron Disease 

18. Poliomyelitis

36. Severe Rheumatoid Arthritis 


As stated, the coverage scope for the critical illness and disability benefit differs for various insurers. Therefore, it is advisable to go through the policy documents in detail and get any clarification required from the insurer before adding this rider to your term policy.

Disability and Critical Illness Cover in Term Plan with Tata AIA

At Tata AIA Life Insurance, we understand the importance of enhancing the coverage scope of your term insurance policy for you. Therefore, we offer you various rider options to enhance your term plan coverage. 
 

Critical Illness Cover is available under:

  • Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider

  • Tata AIA Life Insurance Non-Linked Comprehensive Health Rider
     

Disability Benefit Cover:

  • Tata AIA Life Insurance Accidental Death and Dismemberment (Long Scale) Rider
     

You can choose the rider that suits your insurance needs for a little extra premium and ensure the financial security of your loved ones and peace of mind for yourself.

Wrapping Up

A critical illness and disability rider enhances the coverage scope of a pure-term insurance plan. With this rider, you can ensure financial support to your family members if you meet with an accident or are diagnosed with a critical illness, as covered under your policy terms. It can be a huge financial support to your family when they lose a regular income source and are faced with mounting hospital bills and other debts.

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Tata AIA Life Insurance

A joint venture between Tata Sons Pvt. Ltd. and AIA Group Ltd. (AIA),  Tata AIA Life Insurance  is one of the leading life insurance providers in India. We post everything you need to know about life insurance, tax savings and a variety of lateral topics such as savings and investments in this space. You can access and read a host of different blogs, articles and pages at the Tata AIA Life Insurance Knowledge Center or get in touch with us with any queries or questions!

View all posts by Tata AIA Life Insurance

Frequently Asked Questions

Should I buy critical illness coverage individually or with my term plan?

Whether to buy critical illness coverage individually or with your term plan depends on your finances and risk factors. Assess your financial situation and the features of your term plan. 
 

If you lack savings and have a higher risk of critical illness, standalone coverage may be necessary. However, if your term plan offers a suitable rider and meets your needs, bundling the coverage could be cost-effective and convenient. 
 

Ultimately, choose based on your unique circumstances and insurance requirements.

Does Critical Illness Rider cover all types of cancers?

The exact types of cancers covered under the critical illness rider may differ for various insurers. However, for most insurers, you get coverage for all major types of cancers, like breast cancer, lung cancer, benign brain tumour, cancer of the liver, etc.

What is the maximum age for a critical illness and disability rider?

The maximum age for the critical illness and disability rider is the same as the age limit for the term plan it is added to. For most insurers, this lies between the age bracket of 28 to 65.

Disclaimers

  •  Insurance cover is available under the product.

  •  The products are underwritten by Tata AIA Life Insurance Company Ltd.

  • The plans are not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.

  • For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.

  • This blog is for information and illustrative purposes only and does not purport to any financial or investment services and do not offer or form part of any offer or recommendation. The information is not and should not be regarded as investment advice or as a recommendation regarding any particular security or course of action.

  • Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company.

  • Every effort is made to ensure that all information contained in this blog is accurate at the date of publication, however, the Tata AIA Life shall not have any liability for any damages of any kind (including but not limited to errors and omissions) whatsoever relating to this material.

  • #Riders are not mandatory and are available for a nominal extra cost. For more details on the benefits, premiums and exclusions under the riders please refer to the Rider Brochure or contact our Insurance Advisor or visit our nearest branch office.

  •  Tax:*Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.