Term Insurance AWARD WINNING

Investment Plans

NRI Plans

All Plans

Customer Service

Calculators

Fund Performance

Term Insurance with Critical Illness Riders

Term insurance with a critical illness rider⁵ provides life cover along with financial support during serious medical conditions. While a standard term plan protects your family.. Read more financially in case of the policyholder’s death, it may not help manage the high costs associated with major illnesses. A critical illness rider⁵ helps address this gap by offering a lump sum payout if the insured is diagnosed with a covered illness.

In practice, this amount can help manage treatment costs, loss of income, and everyday expenses during recovery. Read less

Term Insurance Calculator

Here's your customized plan

Get Life Cover of ₹1 Crore by paying a premium of

₹7,085/month

Total premium: ₹14.09 Lakh

saving Save ₹1,202 with discounts

₹ 4.2 Lakh

₹ 1 Crore

You Pay (Total)

You Get (Life Cover)

Discounts

2% Milestone discount

2% discount on 1st year premium on these milestones

Event	Eligibility
Wedding (1 wedding only)	Within 6 months before or after the date of wedding
Birth/ Adoption of 1^st child*	Within 6 months before or after the birth/ adoption date
Home loan	Within 6 months of loan getting sanctioned
First job	Within 6 months of joining date

*Policy issuance eligibility for female customers will be determined by Board Approved Underwriting Policy (BAUP)

The above milestones cannot be clubbed to avail more discount, Such discount shall be capped to a maximum of ₹500 over the year.

A certified Tata AIA expert will call you from a 1600‑series number to customize your plan.

Buy your plan

Annual Income (₹)

Corporate Email Id

Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V12)

Investment Calculator

Unable to load your customized plan

Please try again after some time

Our sales representative will connect with you soon to assist further

Try again

Investment Calculator

Request timeout

We're facing a technical issue. Please try again after some time

Our sales representative will connect with you soon to assist further

Try again

Get Rs 1.5 Cr. Life Cover at
Rs. 678/month¹

Up to 18.5% discount² (1^st year
premium)
Return of premium³ option
4 hour claim settlement⁴

⁴T&C apply

Calculate
Premium

Meet
an Advisor

Term Insurance Calculator

Full name (First and last)

Date of birth

Are you an NRI?

Yes

Gender

Male

Female

Do you smoke?

Yes

Email ID

Calculate
Premium

Meet
an Advisor

What is term insurance with critical illness riders?

Expenses on healthcare in India have increased steadily, thereby making treatment of some diseases costly for most families. During such times, only a term plan may not be enough, because it does not provide financial coverage for recovery from critical illnesses.

A serious medical condition can lead to long treatment periods, loss of income, and ongoing recovery expenses. While health insurance may cover hospitalisation costs, many related expenses such as diagnostic tests, follow-up care, lifestyle adjustments, and temporary income loss often remain uncovered.

Here’s where one starts noticing the impact of the financial stress. The bills for the house rent, EMIs, and other liabilities keep coming even when the individual does not have any income. In fact, for several individuals, dealing with finances during their recovery might be as tough as dealing with their illness.

The critical illness cover on term insurance works to bridge this gap. Under such coverage, a lump sum amount gets released upon the diagnosis of the illness.

Why critical illness is important with term insurance

Critical illnesses like cancer, heart attack, or kidney failure can happen anytime. Their treatment is expensive and may continue for a long time. Many people lose their income during treatment. A term plan alone does not cover medical bills. Thus, adding a critical illness rider⁵ gives financial help at the right time. It reduces stress and prevents sudden financial burden on the family.

Benefits of term insurance with critical illness

Choosing term insurance with a critical illness rider⁵ offers broader financial protection during serious health conditions. While the base term plan secures your family financially in case of death, the rider⁵ helps manage the financial pressure that may arise during treatment and recovery. It supports not just medical expenses, but also income disruption and ongoing household commitments.

Here are some important benefits of term insurance with critical illness coverage:

One-time lump sum payout

A critical illness rider⁵ provides a fixed lump sum payout upon diagnosis of a covered illness, subject to policy terms. Unlike reimbursement-based health insurance, the payout is not linked to actual hospital bills.

This gives policyholders the flexibility to use the amount for treatment, debt repayment, recovery support, or other financial needs during a difficult period.

Support for medical expenses

Serious diseases may have expenses other than hospitalisation, like diagnosis, rehab, post-hospitalisation checkups, and ongoing care. In most cases, the coverage provided by ordinary health insurance is not enough to cover these expenses.

This is where the rider comes in handy and reduces out-of-pocket expenditures during recovery.

Helps manage loss of income

A critical illness may temporarily affect an individual’s ability to work and earn. During this period, regular financial commitments such as EMIs, household expenses, and education costs continue.

The lump sum benefit helps maintain financial stability by supporting everyday expenses while the policyholder focuses on treatment and recovery.

Additional tax benefits

Premiums paid towards a critical illness rider⁵ may qualify for tax* benefits under applicable income tax laws. In certain cases, the benefits received may also be tax-exempt*, subject to prevailing regulations.

Stable premiums

Once the policy is issued, the cost of adding the rider will remain fixed during the entire policy tenure based on the terms of the policy. This is very helpful for people to plan for their future despite any changes in their health.

Financial security while recovering

Early financial support after the diagnosis of a covered illness helps reduce the burden of planning and paying for treatment.

Who should consider buying term insurance with critical illness coverage?

Selecting a term insurance plan with a critical illness rider⁵ mainly depends on your liabilities, savings, and the emergency funds available to manage unforeseen medical expenses. This type of policy may be suitable for the following individuals:

Self-employed individuals

People working independently do not receive any medical benefits provided by the employer, nor are there any paid sick days. This could lead to reduced income in case of a serious disease.

A critical illness cover can provide financial support during recovery, helping replace lost income and manage treatment-related costs.

People with limited savings

For individuals with a smaller emergency fund, a major medical condition can quickly lead to financial pressure. Treatment costs, recovery expenses, and daily commitments may become difficult to manage together.

The rider payout helps create an additional financial cushion without disturbing long-term savings or investments.

Individuals with a family history of serious illnesses

If some specific critical illnesses run in the family, then planning for financial consequences is required. An essential sickness rider will help in being prepared for any future occurrences.

It provides financial assistance following the diagnosis of the covered disease, according to the contract.

Primary earner with dependents

For families with a sole breadwinner, a serious illness can disrupt financial stability and impact future plans. Despite the treatment period, regular expenses such as utility bills, education fees, and other household commitments must still be met.

Individuals above 40 years of age

In general, health risks tend to be higher among older people. In many cases, health care costs and insurance premiums go up during this period of life.

Early purchase of critical illness cover will be able to provide greater protection at relatively low premiums.

Eligibility criteria of a critical illness rider

The eligibility criteria for a term plan with critical illness rider⁵ are:

Parameters	Criteria
Entry age	18-65 years
Critical Illness Benefit Ceasing Age	70 years
Waiting period	90 days
Survival period	30 days
Premium Payment Terms	Regular Pay - Equal to Policy Term
Premium payment mode	Same as that of the base policy
Premium payment term	Single, limited or regular pay

Diseases covered by term insurance plan with critical illness

A term insurance policy with a critical illness cover usually protects against diseases that might cost a lot of money to treat, require lengthy recoveries, or result in a loss of income. Although various types of diseases may be included in the policies offered by different companies, all of them cover those which have a significant effect on finances.

Some commonly covered critical illnesses include:

Cancer of specified severity
Heart attack and major cardiac surgeries
Stroke causing permanent neurological damage
Kidney failure requiring regular dialysis or transplant
Major organ failure or loss of essential bodily functions

Worth noting, critical illness coverage is not identical across all insurance providers. Each insurer defines covered conditions based on specific medical definitions, severity levels, and diagnostic requirements.

Before choosing a rider, it is important to understand a few key aspects:

A claim is approved only if the illness matches the exact policy definition
Coverage usually applies after completion of the waiting and survival periods
Early-stage illnesses or related conditions may not qualify unless specifically mention
The quality and clarity of coverage matter more than simply the number of illnesses listed

Reviewing the policy wording carefully helps ensure the rider offers practical financial protection against relevant health risks.

What does a critical illness rider not cover?

A critical illness rider⁵ also comes with certain exclusions that policyholders should understand before purchasing. In practice, these exclusions help define situations where benefits may not apply.

Common exclusions may include:

Pre-existing illnesses related to the diagnosed condition
Self-inflicted injuries or attempted suicide
Illnesses caused by substance or drug abuse
Sexually transmitted diseases and related complications
Injuries arising from high-risk adventure sports
Casualties from participation in military, naval, or air force operations
Losses arising from unlawful or criminal activities
Exposure to nuclear or radioactive materials
Injuries caused during war or large-scale natural disasters
Claims arising during the waiting period or due to delayed medical diagnosis

Note: Exclusions vary across insurers and policy types. Review the policy document carefully before purchasing.

How does term insurance with critical illness rider work?

Here is how it works:

You buy a term plan and add the critical illness rider⁵.

You pay an extra premium for the rider.

If you are diagnosed with a covered illness, you file a claim.

After verification, the insurer pays a lump sum amount.

You can use the money for treatment or daily expenses.

The life cover continues as per policy terms.

In case of death, the nominee receives the death benefit from the term plan.

How to buy term insurance with critical illness coverage

You can purchase critical illness coverage by following these steps:

Step 1 - Select your coverage and duration
Be sure the sum insured is adequate for your family before purchasing term insurance. For achieving sufficient financial security for their family, a young professional with a home loan and children may consider a 1 crore term insurance plan. It is essential to ensure that the term and sum of the insurance are right for the family's financial requirements.
Step 2 - Add a critical illness rider
From the list of critical illness riders5 available for the plan, choose one that suits you.
Step 3 - View premium
Once the rider has been added, check the term plan premium. The term insurance premium calculator can help you estimate your premium. Additional coverage is available under critical illness riders.
Step 4 - Pay premium
Finally, you will be directed to the payment gateway. The premium payment interval should be chosen in accordance with your needs. It may be monthly, quarterly, half-yearly, or yearly.
Once the payment has been received, the critical illness rider will be added to the life insurance policy.

Important points about term insurance with critical illness rider

There are a few important things you need to know about critical illness rider⁵term insurance:

If the policyholder dies during the policy term, the beneficiary receives the life cover payout.
Under the critical illness rider⁵, you can receive a lump sum payout upon diagnosis of a critical illness.
A lump sum is released immediately on diagnosis of the illness since there is no minimum survival period.
Each term plan covers different illnesses. Moreover, each plan has its own terms and conditions.
As the policyholder can afford quality treatment for the disease, the chances of survival increase.
Before buying a plan, check the waiting and survival periods.
Payments can be made in a lump sum or at regular intervals for a limited term or the whole policy term.
Sections 80C and 80D of the Income Tax Act 1961 provide tax* benefits.

Conclusion

Term insurance with a critical illness rider⁵ is a smart way to strengthen your financial protection. It not only protects your family in case of death but also supports you during serious health conditions. The rider is affordable, useful, and suitable for many individuals. It helps you stay prepared for high treatment costs and unexpected income loss. If you want complete financial security, consider adding a critical illness rider⁵ to your term plan.

Does a term plan cover critical illness?

A basic term plan does not cover critical illnesses. You need to add a critical illness rider to get this benefit.

Which disease is not covered in term insurance?

Non-listed diseases, early-stage illnesses, pre-existing illnesses, and illnesses due to alcohol, drugs, or hazardous activities are usually not covered. Specific exclusions vary by insurer.

Which 64 critical illnesses are covered in term insurance?

Some insurers offer plans that cover up to 64 illnesses. These include heart diseases, cancer, neurological diseases, organ failure, and other major conditions. The exact list depends on the policy document.

What are the top 3 critical illnesses?

The top three critical illnesses commonly seen are cancer, heart attack, and stroke.

Are medical tests important to get critical illness cover?

Yes, medical tests are required to get critical illness cover to assess the extent of risk involved in issuing the policy.

Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V12)
Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V04 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider, Tata AIA Vitality Protect (A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V04), Tata AIA Vitality Health (A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V03) are available under this plan.
¹As per the duly approved product design and terms & conditions of the product, Illustrated premium of ₹678 is the monthly premium for a 20 yr. old female, Standard Life, Non-Smoker for ₹1.5 Cr. Sum Assured with Policy Term of 20 yrs. (Regular Pay) under Life Promise Option of Tata AIA Sampoorna Raksha Promise with first year premium discount of 10% for digital purchase and 8.5% for salaried person. Please refer Benefit Illustration for more details.
²As per the duly approved product design and terms & conditions of the product, this includes first year digital discount of 10% for Limited Pay/Regular Pay and 8.5% salaried discount. For Single Pay, 1% discount will be available for online purchase and salaried discount each.
³Under Life Promise Plus Option, an amount equal to the 100% of the Total Premiums Paid (excluding loading for modal premiums) shall be payable at the end of the Policy Term, provided the life assured survives till maturity and the policy is not terminated earlier.
⁴Applicable to only non-early claims with more than 3 years of policy duration, non-investigation cases, up to Sum Assured of ₹50 Lakh. Applicable for branch walk in. Time limit to submit claim to Tata AIA Life Insurance is 2 pm on working days. Subject to submission of complete documents. Not applicable for ULIP policies and open title claims.
⁵Rider is not mandatory and is available for a nominal extra cost. For more details on benefits, premiums, and exclusions under the Rider, please contact Tata AIA Life's Insurance Advisor/ branch.
*Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment 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 implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
This product is underwritten by Tata AIA Life Insurance Company Ltd.
The plan is not a guaranteed issuance plan, and it will be subject to company’s underwriting and acceptance.
Insurance cover is available under this product.
For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
Buying a Life Insurance Policy is a long-term commitment. An early termination of the Policy usually involves high costs, and the Surrender Value payable may be less than the all the Premiums Paid.
In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
L&C/Advt/2026/Jun/4019