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The rider term as well as the premium payment term will be same as that of the base plan, subject to a maximum of 5 years
As per base plan
How people have benefitted from IndiaFirst Life
From the onboarding process to the comprehensive medical tests, IndiaFirst Life ensured a hassle-free journey for me. The features of the plan I purchased are as per my expectations, providing me with peace of mind for future.
Mohit Agarwal
(Mumbai, 21st March 2024)
How people have benefitted from IndiaFirst Life
Buying IndiaFirst Life's life-insurance policy was a pleasant experience for me. The hassle-free nature of interaction with the company's representative was a boon and so was the inclusion of must-have features in their policy plans.
Satyam Nagwekar
(Mumbai, 22nd March 2024)
How people have benefitted from IndiaFirst Life
IndiaFirst Life's Radiant Smart Invest Plan has completely won me over! It's like having a trusted ally in my financial journey. With its flexible fund switch options, I've been able to craft my investments just as I envisioned. In just a year, I've seen a remarkable 20% return on my investments! The support from the onboarding team has been absolutely fantastic, making me feel truly cared for and supported.
Paulomi Banerjee
(Kolkata, 21st March 2024)
IndiaFirst Life Group Critical Illness Rider is a non-linked, non-participating group rider which may be attached to one-year renewable group products or other long term group products, designed to enhance financial security for your members in case of diagnosis of any of the covered Critical Illness.
The sum insured in the policy will be as decided by you or your member as required. However, the minimum sum insured would be the base plan’s minimum sum insured or Rs. 5000, whichever is lower.
There are 3 benefit options, as mentioned below:
Master policyholder/member can choose any one of the above benefit options at inception of cover commencement.
Grace period means the specified period of time immediately following the premium due date during which a payment can be made to renew or continue a policy in force without loss of continuity benefits such as waiting periods and coverage of pre-existing diseases. If a valid claim has occurred during grace period, then rider Sum Assured will be paid after deducting due premium. Grace period terms and conditions will be applicable under Regular/ Limited premium payment options. Grace period will be same as per base policy.
Premium paying mode depends upon the option selected in the base plan. Minimum premium would be as per the minimum rider sum insured.
The maximum total Rider Premium (which is inclusive of rider extra premium) shall, in no case, exceed 100% of premiums (including extra premium, if any) payable under the base policy
In the event of non-payment of premium due under the rider within the grace period the rider will lapse, and no benefit is payable. The cover will cease, and no further benefits will be payable in case of a lapsed rider.
How can you revive the rider?
The revival period will be same as the base policy. You can revive your rider within a Revival Period along with the base policy from the date of first unpaid premium subject to applicable Board approved underwriting policy. There is no revival charge or penal interest/Late fees on revival. If rider is lapsed and not revived within Revival Period or rider is opted out from base policy, then inclusion of the rider shall be as per the Board Approved Underwriting Policy. On revival, if allowed, all due unpaid premium will be collected without any interest/Late fees and cover continues subject to Board approved underwriting policy. The revival is subject to satisfactory medical and financial requirements raised by the Insurer. The medical cost, if any to be borne by you.
This rider provides a lump sum benefit equal to rider Sum Insured if the member is diagnosed with any one of the covered critical illnesses during the term of the rider. The rider terminates once the full amount is paid to the member.
Note: For transgender lives, if any, male rates will be applicable
There will be a waiting period of 90 days from policy or membership inception or from any subsequent reinstatement.
There will be a survival period of 28 days applicable between the diagnosis of a critical illness and eligibility for critical illness benefit payment.
Tax* benefits may be available on premiums paid and benefits receivable as per prevailing Income Tax* Laws. These are subject to change from time to time as per the Government Tax* laws. Please consult your tax consultant before investing.
This is a pure protection policy. There is no maturity benefit payable under this rider
Tailored for groups it stands as a group protection insurance. This group life insurance offers security for all.
IndiaFirst Group Term Plan provides comprehensive group protection with corporate term insurance, ensuring financial security.
Tailored to meet diverse healthcare needs, this corporate health plan ensures financial security during hospitalisation, disabilities, critical illnesses, and more!
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IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
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12th and 13th Floor, North [C] wing, Tower 4, Nesco IT Park, Nesco Center, Western Express Highway, Goregaon (East), Mumbai – 400063.
IRDAI Information
IRDAI Regd. No. 143 | CIN: U66010MH2008PLC183679Trade logo displayed above belongs to one of our promoters and shareholders, Bank of Baroda and are used by IndiaFirst Life Insurance Company Limited under License.
For more details on risk factors, associated terms and conditions and exclusions please read the product brochure before concluding a sale.
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