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  • Lumpsum Payout on diagnosis of any one of the 19 Critical Illnesses

  • Available as an additional benefit with your insurance policy at a affordable cost

  • Option to choose this Rider on inception or any subsequent policy anniversary of the Base Policy


Benefits Available Under HDFC Life Critical Illness Plus Rider


Know the benefits offered under this product

  • Features


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Eligibility Criteria


Minimum Entry Age (last birthday)

18 years

Maximum Entry Age (last birthday)

65 years

Maturity age (last birthday)

Up to 75 years

Minimum Rider Policy Term

5 years

Maximum Rider Policy term1

Maximum policy period offered will be consistent with the base policy.

Rider Premium Payment Term

Regular Pay
Limited Pay – 5 and 10 years

Minimum Rider Sum Assured

₹ 25,000

Maximum Rider Sum Assured

No limit, subject to satisfactory underwriting2

All ages mentioned above are age last birthday.

  1. This Rider will not be offered where the outstanding Rider Premium Paying Term under the Base Policy is less than 5 years.
  2. The maximum Sum Assured shall not exceed the Sum Assured of the Base Policy to which this rider is attached.
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Frequently Asked Questions

1 Why should you buy a critical insurance policy?

Here’s some crucial information. In India, the number of people suffering from cancer stood at 1.37 million in 2015.That number is projected to rise by 1.80 million by 2020, an increase of more than 31.4 per cent, according to report in the Journal of Cancer Policy 2018, titled “Projections of burden of cancers-A new approach for measuring incidence cases for India and its states – Till 2025. Deaths due to cardiovascular conditions rose 34 % in the past couple of decades according to a survey as reported in Outlook Money, India. Clearly, more persons will suffer from some critical illness or the other. Be it cancer, diabetes, heart attacks, etc, critical illnesses are on the rise.Health treatment costs are increasing exponentially as well. The probability of even the younger population contracting some major sickness or the other is increasing. Not having a critical insurance policy exposes you to a heavy financial burden.

2 How long does a critical illness insurance claim take?

3 What are the advantages of having a critical illness insurance?

4 Is it good to have critical illness insurance?

ARN: EU/07/21/24760