Critical Illness Plus (Rider)

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About Critical Illness Plus

Critical Illness Plus pays 100% of the Critical Illness (CI) rider Face Amount Lump Sum upon diagnosis of any of the 11 critical illnesses provided that:
  • The CI diagnosed with listed and defined in Schedule of Covered CI.
  • The CI diagnosed is the first incidence of that CI.
  • The signs or symptoms of the CI experienced by the insured commenced on or after the rider coverage commencement date.
  • The Insured is still living at the time of diagnosis.
  • The CI coverage is provided to the insured during the policy term.
  • None of the general exceptions are applicable.

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Overview 

Life can be unpredictable, especially when it comes to health. A critical illness may arrive without warning, but your peace of mind doesn’t have to. Critical Illness Plus provides a lump‑sum payout as soon as a covered condition is diagnosed, giving you the financial freedom to focus on what truly matters — timely treatment, recovery, and your well‑being. With strong coverage, a simple process, and dependable support, you can move forward with confidence, knowing you’re prepared for whatever life brings.

Critical Illnesses Covered- Cancer of Specified Severity, Kidney Failure, Cardiovascular Diseases, Stroke, Major Organ Transplant, ENT Disease, Major Burn, Liver Disease, Benign Brain & Spinal Tumors, Blindness, and Coma

 Who Can Get This Protection?

Designed for anyone who wants long‑term financial security and peace of mind for their family.

  • Issue Age: 18 to 65 years
  • Coverage Expiry Maximum Age: Base policy expiry age or 75 years, whichever is earlier
  • Face Amount: 50% to 100% of Base Policy Face Amount*: subject to minimum NPR 60,000 & maximum NPR 1 Crore 
  • Policy Term: 5 – 25 years
  • Premium Payment Mode: Annual / Semi‑Annual / Quarterly
  • Premium Payment Term: Regular Pay: 5-25 years, align with Base Policy Term, capped at 25 years/ Single Pay
  • Coverage Commencement Date: 61st day after (i) rider effective date, (ii) changes/endorsement date, (iii) restatement date, whichever is later.
  • Exclusions: Suicide exclusion, war risk exclusion and international & local sanction limitation exclusion.

Detailed terms and Conditions and other exclusions are included in the Policy Document.

*Face Amount means the amount of insurance that the policy provides as shown in the Policy Specification Schedule and from which the benefit under the Policy will be determined.

You can add this Coverage to these plans:

  • Regular Pay: Future Care DPS/ Midterm Growth Plan/ My Child’s Education Protection Plan/ Subhabishya Beema Aajeevan Aaya
  • Single Pay: Double Protection Plan 

Premium Calculation Example:

Insured Age: 30 Years, Plan: Critical Illness Rider (11 CI), Plan term: 20 Years, Face Amount: NPR 1,000,000

  • Single Pay (Annual premium rate/1,000): 34.84
  • Regular Pay (Annual premium rate/1,000): 2.18

Premium Calculation in NPR

  Single Pay Regular Pay
Single Premium 34,820.00 NA
Annual Premium NA 2,1800.00
Semi-Annual Premium NA 1,133.60
Quarterly Premium NA 588.60

Note: Modal loads factor will be same as for Base policy.