MSB Sum Insured can be up to a maximum of the 50% of the Basic Policy Sum Insured or Rs. 10,000,000/-, whichever is lesser.


An amount equal to the MSB sum insured will be paid in case one of the following surgeries was performed on the policyholder:
  • Coronary artery by-pass surgery
  • Surgery for a disease of the aorta
  • Replacement of a heart valve
  • Major organ transplant
  • Caraniotomy
  • Cancer surgery

Any death or other benefit payable under the basic policy later will be reduced by the amount paid under this rider.


Minimum age at entry:

18 years


Maximum age at entry:

55 years


Minimum term:

10 years


Maximum term:

Equal to the basic policy premium paying term or till the insuredís turns 65, whichever is earlier.


This rider will not be available if the life insured is imposed an extra premium.


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