ABSLI Critical Illness Rider — Diseases Covered, Premium, Benefits & Claim Process

A critical illness can lead to significant financial challenges due to treatment expenses, recovery costs, and a possible loss of income. The ABSLI Critical Illness Rider is designed to provide an additional financial cushion by offering a lump sum payout upon the diagnosis of a covered critical illness, subject to the rider terms and conditions.

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This benefit can be used for medical treatment, lifestyle expenses, or any other financial responsibility during a difficult time.

Note: Know more about what is term insurance first before reading this article.

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What is ABSLI (Aditya Birla Sun Life) CI Rider?

ABSLI Critical Illness Rider is a non-linked, non-participating health rider that can be added to eligible Aditya Birla Sun Life Insurance policies by paying an additional premium.

Under this rider, the life insured receives a lump sum benefit on the first diagnosis of a covered critical illness that meets the policy definitions and conditions. Once the rider benefit is paid, the critical illness cover under the rider terminates.

*Note: Terminal illness meaning – It is such an illness that cannot be cured and is likely fatal.

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Full List of Diseases Covered Under ABSLI CI Rider

The ABSLI Critical Illness Rider covers multiple specified critical illnesses as defined under the rider terms. The complete list of covered diseases, medical definitions, and severity conditions should be referred to in the official ABSLI Critical Illness Rider brochure and policy document.

Some major categories of illnesses covered include:

Cancer-related conditions
Heart and cardiovascular conditions
Brain and neurological disorders
Organ failure and transplant-related illnesses
Blood and immune-related disorders
Respiratory and other serious medical conditions

The critical illness benefit is payable only when the diagnosed condition satisfies the exact medical definition and severity criteria mentioned under the rider.

ABSLI CI Rider Premium — Indicative Rates

The premium for the ABSLI Critical Illness Rider depends on several factors:

Factor	Impact on Premium
Age at entry	Premium generally increases with age due to higher health risks
Rider sum assured	Higher critical illness coverage results in a higher premium
Rider term	The duration of protection affects the premium payable
Health profile	Existing medical conditions and underwriting assessment may impact pricing
Lifestyle factors	Habits such as smoking may lead to a higher premium

The exact rider premium can be determined through an ABSLI premium illustration based on the selected plan, age, and coverage amount.

Eligibility & Policy Term

The ABSLI Critical Illness Rider can be added to eligible base plans, subject to the insurer’s underwriting guidelines and rider conditions.

The exact eligibility criteria, entry age, maturity age, rider term, and sum assured limits should be checked in the policy document and rider terms.

ABSLI CI Rider Payout Structure

The rider provides a one-time lump sum payout upon the first diagnosis of a covered critical illness, provided all rider conditions are satisfied.

The claim amount is not linked to actual hospital bills and can be used as per the policyholder’s needs, including treatment costs, recovery expenses, loan repayments, or maintaining household finances.

Once a valid critical illness claim is paid, the rider benefit terminates.

Waiting Period & Exclusions

A waiting period of 90 days applies from the rider effective date or the latest revival date, whichever is later. No critical illness benefit is payable for illnesses diagnosed during this waiting period.

The ABSLI Critical Illness Rider does not provide benefits for certain situations, including:

Pre-existing diseases, illnesses, or injuries that existed before the rider effective date or latest revival date
Conditions diagnosed within the 90-day waiting period
Congenital conditions
Sexually transmitted diseases
Attempted suicide or self-inflicted injuries
Participation in criminal or illegal activities
Consumption of alcohol, drugs, narcotics, or poisonous substances unless prescribed by a registered medical practitioner
Participation in hazardous sports such as mountaineering, parachuting, racing, or underwater activities
War, terrorism, civil unrest, military operations, or nuclear contamination
Any critical illness for which treatment, advice, or symptoms existed before the start of the policy period

How to Add CI Rider to ABSLI Term Plan

Adding the ABSLI Critical Illness Rider is generally done at the time of purchasing an eligible ABSLI life insurance plan.

Step 1: Select an eligible ABSLI term insurance plan

Choose a life insurance plan that allows the addition of the Critical Illness Rider.

Step 2: Choose the required rider coverage

Select a suitable critical illness cover amount based on your financial needs and healthcare concerns.

Step 3: Complete medical and underwriting requirements

Provide health-related details and complete medical examinations if required by ABSLI.

Step 4: Pay the additional rider premium

Once approved, the rider is added to the base policy and the critical illness cover becomes active according to the rider terms.

Claim Process

To claim the ABSLI Critical Illness Rider benefit, the policyholder should follow the insurer’s claim process.

Step 1: Inform ABSLI about the diagnosis

Notify the insurer as soon as a covered critical illness is diagnosed.

Step 2: Submit the claim request

Complete the required claim form and provide the necessary policy and personal details.

Step 3: Submit supporting documents

Documents generally required include:

Duly filled claim form
Policy details
Identity proof
Diagnostic and medical reports
Hospital records and doctor’s certificates
Any additional documents requested by ABSLI

Step 4: Claim assessment and payout

The insurer reviews the claim documents and verifies whether the illness meets the rider conditions. Once approved, the eligible lump sum benefit is paid.

Note: Check out the best term insurance plan in India and choose one that suits your requirements.

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FAQs

Can I purchase ABSLI Critical Illness Rider without investing in a term insurance policy?

Ans: No. The critical illness rider is an additional benefit offered on the term insurance plans. You must purchase an appropriate term insurance plan from ABSLI and add the benefits of this rider to the base plan.
Am I allowed to add the critical illness rider of ABSLI with a term plan from another insurer?

Ans: No. ABSLI Critical Illness rider is applicable only for the term plans purchased from Aditya Birla Sun Life Insurance.
Is there a maximum age limit to avail of the rider benefits?

Ans: Yes. The ABSLI Critical illness rider has a maximum age limit of 70 years.
Do I get any benefits for the premiums paid in cases where I do not diagnose a critical illness within the term of the base plan?

Ans: No. You will not get any benefits in such cases.
Will the rider benefits continue to exist even after the maturation of the policy?

Ans: No. The benefits of critical illness riders will terminate immediately after the termination of the policy.
Is AIDS covered under the benefits of this rider?

Ans: No. AIDS or HIV complications or any other sexually transmitted diseases are not covered under this critical illness rider.
The doctor suggested I go for kidney transplantation due to excessive consumption of alcohol. Will this rider provide financial assistance for my operation?

Ans: No. Individuals are not entitled to the rider benefits in case of damages caused due to extensive consumption of liquor or intoxication of any drugs.
I had my first heart attack before purchasing the ABSLI Critical Illness Rider. Will my expenses for the treatment be covered?

Ans: No. Critical Illness Rider of ABSLI shall not cover the illnesses that were manifested before the purchase or revival of the rider.
How many diseases does ABSLI CI rider cover?

Ans: The ABSLI Critical Illness Rider covers specified critical illnesses as defined under the rider terms. The exact number and complete list of diseases should be referred to in the official rider brochure.
What is the waiting period for ABSLI CI rider?

Ans: The ABSLI Critical Illness Rider has a waiting period of 90 days from the rider effective date or the latest revival date, whichever is later. No benefit is payable for illnesses diagnosed during this period.
How to claim CI rider from Aditya Birla Sun Life?

Ans: You can claim the ABSLI CI Rider by informing the insurer after diagnosis, submitting the required claim form and medical documents, and completing the claim verification process. The lump sum benefit is paid after claim approval.
How to calculate the term insurance premium online?

Ans: You can easily calculate the term insurance premium online by using the term insurance calculator online tool
What are the benefits of term life insurance?

Ans: Here are 4 common term insurance benefits:
Low premium rates
Tax Benefits
Death Benefit
Long term coverage

Author's Bio

Varun Agarwal Head - Term Insurance

Varun has spent years in the insurance space, but what drives him isn't policies or premiums — it's the conversations he's had with real people. A young father in Pune wondering if his salary is enough. A newly married couple in Jaipur putting off "the insurance talk" for later. A mother in Chennai who never knew her husband was underinsured until it was too late.
These stories stay with him. As Head of Term Insurance at Policybazaar, Varun knows the numbers well — 52.4% of Indians are aware of term insurance, yet only 9.6% own it. And 87% of families don't realise they're leaving their loved ones with far less protection than they actually need. But behind every statistic, he sees a family that just needed someone to sit with them, explain it simply, and help them take that one step. That's exactly what Policybazaar's term insurance is built to do. In his words, "Most people aren't avoiding protection — they're just waiting for someone to make it easy. That's what we're here for."

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˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

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