Shriram Life Critical Illness Plus Rider

Non-linked Non-Participating Health Individual Pure Risk Premium Rider

UIN - 128B016V01
Nobody likes to think about the possibility of suffering a serious illness or injury in the future. You can’t foresee this
happening, but you can make plans to help support yourself should the unexpected happen. Shriram Life Critical Illness
Plus Rider protects you against 24 illnesses and gives you an upside of increments in your rider sum assured through
Loyalty Additions.

This Rider can be chosen by the policyholder along with the base plan for a nominal premium*, either at inception of
the policy or at policy anniversary, provided that it meets the eligibility conditions.
*Subject to the condition that the premium under the Critical Illness rider shall not exceed 100% of the base plan
premium.

Rider Eligibility

Note: The CI benefit under the rider shall not exceed the sum assured under the base policy

Benefits under the Rider*

Critical Illness Cover
The rider pays 100% of the Critical Illness rider sum assured along with loyalty benefit in the event of the life assured
being first diagnosed with any of the covered 24 critical illnesses. Thereafter, the rider gets terminated.

Loyalty Benefit
Loyalty benefit will be offered under the rider by way of increments in rider sum assured during the term of the rider
provided all the premiums due at the time of loyalty addition are fully paid. At the end of third policy year, the sum
assured under the rider will be increased by 15% of initial rider sum assured and the increased rider cover continues
till the end of the rider term.

If the policy is in lapsed or paid up state, loyalty benefit will not be added. If the policy is lapsed and subsequently
revived, the loyalty benefits, if any, due by the time of revival will be added to the sum assured.

*Benefits under the rider are payable only if the base plan is in force. The rider benefit will cease immediately if the
base plan is terminated or discontinued. The rider benefit will also cease when a claim is paid. Rates are reviewable on
the third anniversary of the original policy’s commencement and every three years thereafter. These changes are
subject to IRDAI approval only.

There is no Death or Maturity Benefit payable under this plan.

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 Critical Illnesses covered under this Rider

Definitions of Critical Illnesses Covered

1. Cancer of Specified Severity

I. A malignant tumor characterized by the uncontrolled growth & spread of malignant cells with invasion &
destruction of normal tissues. This diagnosis must be supported by histological evidence of malignancy. The term
cancer includes leukemia, lymphoma and sarcoma.
II. The following are excluded –
i. All tumors which are histologically described as carcinoma in situ, benign, pre-malignant, borderline
malignant, low malignant potential, neoplasm of unknown behavior, or non-invasive, including but not limited
to: Carcinoma in situ of breasts, Cervical dysplasia CIN-1, CIN -2 and CIN-3.
ii. Any non-melanoma skin carcinoma unless there is evidence of metastases to lymph nodes or beyond;
iii. Malignant melanoma that has not caused invasion beyond the epidermis;
iv. All tumors of the prostate unless histologically classified as having a Gleason score greater than 6 or having
progressed to at least clinical TNM classification T2N0M0
v. All Thyroid cancers histologically classified as T1N0M0 (TNM Classification) or below;
vi. Chronic lymphocytic leukaemia less than RAI stage 3
vii. Non-invasive papillary cancer of the bladder histologically described as TaN0M0 or of a lesser classification,
viii. All Gastro-Intestinal Stromal Tumors histologically classified as T1N0M0 (TNM Classification) or below and
with mitotic count of less than or equal to 5/50 HPFs;
ix. All tumors in the presence of HIV infection.

2. Myocardial Infarction (First Heart Attack of Specific Severity)

I. The first occurrence of heart attack or myocardial infarction, which means the death of a portion of the heart
muscle as a result of inadequate blood supply to the relevant area. The diagnosis for Myocardial Infarction should
be evidenced by all of the following criteria:
i. A history of typical clinical symptoms consistent with the diagnosis of Acute Myocardial Infarction (for e.g.
typical chest pain)
ii. New characteristic electrocardiogram changes
iii. Elevation of infarction specific enzymes, Troponins or other specific biochemical markers.
II. The following are excluded:
i. Other acute Coronary Syndromes
ii. Any type of angina pectoris
iii. A rise in cardiac biomarkers or Troponin T or I in absence of overt ischemic heart disease OR following an
intra-arterial cardiac procedure

3. Stroke Resulting in Permanent Symptoms

Any cerebrovascular incident producing permanent neurological sequelae. This includes infarction of brain tissue,
thrombosis in an intracranial vessel, haemorrhage and embolisation from an extracranial source. Diagnosis has to
be confirmed by a specialist medical practitioner and evidenced by typical clinical symptoms as well as typical
findings in CT Scan or MRI of the brain. Evidence of permanent neurological deficit lasting for at least 3 months has

Shriram Life Critical Illness Plus Rider 2

 to be produced.
I. The following are excluded:
i. Transient ischemic attacks (TIA)
ii. Traumatic injury of the brain
iii. Vascular disease affecting only the eye or optic nerve or vestibular functions.

4. Kidney Failure Requiring Regular Dialysis

End stage renal disease presenting as chronic irreversible failure of both kidneys to function, as a result of which
either regular renal dialysis (haemodialysis or peritoneal dialysis) is instituted or renal transplantation is carried out.
Diagnosis has to be confirmed by a specialist medical practitioner.

5. Major Organ/Bone Marrow Transplant

I. The actual undergoing of a transplant of:
i. One of the following human organs: heart, lung, liver, kidney, pancreas, that resulted from irreversible end-
stage failure of the relevant organ, or
ii. Human bone marrow using haematopoietic stem cells. The undergoing of a transplant has to be confirmed
by a specialist medical practitioner.
II. The following are excluded:
i. Other stem-cell transplants
ii. Where only islets of langerhans are transplanted

6. Open Chest CABG

I. The actual undergoing of heart surgery to correct blockage or narrowing in one or more coronary artery(s), by
coronary artery bypass grafting done via asternotomy (cutting through the breast bone) or minimally invasive
keyhole coronary artery bypass procedures. The diagnosis must be supported by a coronary angiography and the
realization of surgery has to be confirmed by a Cardiologist.
II. The following are excluded:
i. Angioplasty and/or any other intra-arterial procedures

7. Permanent Paralysis of Limbs

Total and irreversible loss of use of two or more limbs as a result of injury or disease of the brain or spinal cord. A
specialist medical practitioner must be of the opinion that the paralysis will be permanent with no hope of recovery
and must be present for more than 3 months.

8. Open Heart Replacement or Repair of Heart Valves

The actual undergoing of open-heart valve surgery is to replace or repair one or more heart valves, as a
consequence of defects in, abnormalities of, or disease affected cardiac valve(s). The diagnosis of the valve
abnormality must be supported by an echocardiography and the realization of surgery has to be confirmed by a
specialist medical practitioner. Catheter based techniques including but not limited to, balloon
valvotomy/valvuloplasty are excluded.

9. Coma of Specified Severity

I. A state of unconsciousness with no reaction or response to external stimuli or internal needs. This diagnosis
must be supported by evidence of all of the following:
i. No response to external stimuli continuously for at least 96 hours;
ii. Life support measures are necessary to sustain life; and
iii. Permanent neurological deficit which must be assessed at least 30 days after the onset of the coma.
II. The condition has to be confirmed by a specialist medical practitioner. Coma resulting directly from alcohol or
drug abuse is excluded.

10. Multiple Sclerosis with Persisting Symptoms

I. The unequivocal diagnosis of Definite Multiple Sclerosis confirmed and evidenced by all of the following:
i. Investigations including typical MRI findings which unequivocally confirm the diagnosis to be multiple sclerosis
and
ii. There must be current clinical impairment of motor or sensory function, which must have persisted for a
continuous period of at least 6 months.
II. Other causes of neurological damage such as SLE and HIV are excluded.

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11. Benign Brain Tumor
I. Benign brain tumor is defined as a life threatening, non-cancerous tumor in the brain, cranial nerves or meninges
within the skull. The presence of the underlying tumor must be confirmed by imaging studies such as CT scan or
MRI.
II. This brain tumor must result in at least one of the following and must be confirmed by the relevant medical
specialist.
i. Permanent Neurological deficit with persisting clinical symptoms for a continuous period of at least 90
consecutive days or
ii. Undergone surgical resection or radiation therapy to treat the brain tumor.
III. The following conditions are excluded:
Cysts, Granulomas, malformations in the arteries or veins of the brain, hematomas, abscesses, pituitary tumors,
tumors of skull bones and tumors of the spinal cord.

12. Blindness
I. Total, permanent and irreversible loss of all vision in both eyes as a result of illness or accident.
II. The Blindness is evidenced by:
i. Corrected visual acuity being 3/60 or less in both eyes or ;
ii. The field of vision being less than 10 degrees in both eyes.
III. The diagnosis of blindness must be confirmed and must not be correctable by aids or surgical procedure

13. Third Degree Burns

There must be third-degree burns with scarring that cover at least 20% of the body’s surface area. The diagnosis
must confirm the total area involved using standardized, clinically accepted, body surface area charts covering 20%
of the body surface area.

14. Alzheimer's Disease

Progressive and permanent deterioration of memory and intellectual capacity as evidenced by accepted
standardised questionnaires and cerebral imaging. The diagnosis of Alzheimer’s disease must be confirmed by an
appropriate consultant and supported by the Company's appointed doctor. There must be significant reduction in
mental and social functioning requiring the continuous supervision of the life assured. There must also be an
inability of the Life Assured to perform (whether aided or unaided) at least 3 of the following 5 “Activities of Daily
Living” for a continuous period of at least 6 months:
Activities of Daily Living are defined as:
1. Washing - the ability to wash in the bath or shower (including getting into and out of the bath or shower) or
wash satisfactorily by other means;
2. Dressing - the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces,
artificial limbs or other surgical appliances;
3. Transferring - the ability to move from a bed to an upright chair or wheelchair and vice versa;
4. Toileting - the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain
a satisfactory level of personal hygiene;
5. Feeding - the ability to feed oneself once food has been prepared and made available.
Psychiatric illnesses and alcohol related brain damage are excluded.

15. End Stage Lung Failure

I. End stage lung disease, causing chronic respiratory failure, as confirmed and evidenced by all of the following:
i. FEV1 test results consistently less than 1 litre measured on 3 occasions 3 months apart; and
ii. Requiring continuous permanent supplementary oxygen therapy for hypoxemia; and
iii. Arterial blood gas analysis with partial oxygen pressure of 55mmHg or less (PaO2 < 55mmHg); and
iv. Dyspnea at rest.

16. End Stage Liver Failure

I. Permanent and irreversible failure of liver function that has resulted in all three of the following:
i. Permanent jaundice; and
ii. Ascites; and
iii. Hepatic encephalopathy.
II. Liver failure secondary to drug or alcohol abuse is excluded.

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17. Surgery of Aorta (Aorta Graft Surgery)
The actual undergoing of surgery for a disease or injury of the aorta needing excision and surgical replacement of
the diseased part of the aorta with a graft. For the purpose of this definition, aorta shall mean the thoracic and
abdominal aorta but not its branches. Minimally invasive grafting is excluded.

18. Motor Neuron Disease with Permanent Symptoms

Motor neuron disease diagnosed by a specialist medical practitioner as spinal muscular atrophy, progressive bulbar
palsy, amyotrophic lateral sclerosis or primary lateral sclerosis. There must be progressive degeneration of
corticospinal tracts and anterior horn cells or bulbar efferent neurons. There must be current significant and
permanent functional neurological impairment with objective evidence of motor dysfunction that has persisted for
a continuous period of at least 3 months.

19. Major Head Trauma

I. Accidental head injury resulting in permanent Neurological deficit to be assessed no sooner than 3 months from
the date of the accident. This diagnosis must be supported by unequivocal findings on Magnetic Resonance
Imaging, Computerized Tomography, or other reliable imaging techniques. The accident must be caused solely and
directly by accidental, violent, external and visible means and independently of all other causes.
II. The Accidental Head injury must result in an inability to perform at least three (3) of the following Activities of
Daily Living either with or without the use of mechanical equipment, special devices or other aids and adaptations
in use for disabled persons. For the purpose of this benefit, the word “permanent” shall mean beyond the scope of
recovery with current medical knowledge and technology.
III. The Activities of Daily Living are:
i. Washing: the ability to wash in the bath or shower (including getting into and out of the bath or shower) or
wash satisfactorily by other means;
ii. Dressing: the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces,
artificial limbs or other surgical appliances;
iii. Transferring: the ability to move from a bed to an upright chair or wheelchair and vice versa;
iv. Mobility: the ability to move indoors from room to room on level surfaces;
v. Toileting: the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain
a satisfactory level of personal hygiene;
vi. Feeding: the ability to feed oneself once food has been prepared and made available.
IV. The following are excluded:
i. Spinal cord injury;

20. Primary (Idiopathic) Pulmonary Hypertension

I. An unequivocal diagnosis of Primary (Idiopathic) Pulmonary Hypertension by a Cardiologist or specialist in
respiratory medicine with evidence of right ventricular enlargement and the pulmonary artery pressure above 30
mm of Hg on Cardiac Cauterization. There must be permanent irreversible physical impairment to the degree of at
least Class IV of the New York Heart Association Classification of cardiac impairment.
II. The NYHA Classification of Cardiac Impairment are as follows:
i. Class III: Marked limitation of physical activity. Comfortable at rest, but less than ordinary activity causes
symptoms.
ii. Class IV: Unable to engage in any physical activity without discomfort. Symptoms may be present even at
rest.
III. Pulmonary hypertension associated with lung disease, chronic hypoventilation, pulmonary thromboembolic
disease, drugs and toxins, diseases of the left side of the heart, congenital heart disease and any secondary cause
are specifically excluded.

21. Apallic Syndrome

Universal necrosis of the brain cortex with the brainstem remaining intact. Diagnosis must be confirmed by a
neurologist acceptable to the Company and the condition must be documented for at least one month with no
scope of recovery.

22. Deafness
Total and irreversible loss of hearing in both ears as a result of illness or accident. This diagnosis must be
supported by pure tone audiogram test and certified by an Ear, Nose and Throat (ENT) specialist. Total means “the
loss of hearing to the extent that the loss is greater than 90decibels across all frequencies of hearing” in both ears.

Shriram Life Critical Illness Plus Rider 5

23. Loss of Limbs
The physical separation of two or more limbs, at or above the wrist or ankle level limbs as a result of injury or
disease. This will include medically necessary amputation necessitated by injury or disease. The separation has to
be permanent without any chance of surgical correction. Loss of Limbs resulting directly or indirectly from self-
inflicted injury, alcohol or drug abuse is excluded.

24. Parkinson’s Disease

I. The unequivocal diagnosis of idiopathic Parkinson’s Disease by a consultant neurologist. This diagnosis must be
supported by all of the following conditions:
i. The disease cannot be controlled with medication; and
ii. There are objective signs of progressive deterioration; and
iii. There is an inability of the Life Assured to perform (whether aided or unaided) at least 3 of the following five
(5) “Activities of Daily Living” for a continuous period of at least 6 months:
II. Activities of Daily Living are defined as:
1. Washing - the ability to wash in the bath or shower (including getting into and out of the bath or shower) or
wash satisfactorily by other means;
2. Dressing - the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces,
artificial limbs or other surgical appliances;
3. Transferring - the ability to move from a bed to an upright chair or wheelchair and vice versa;
4. Toileting - the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain
a satisfactory level of personal hygiene;
5. Feeding - the ability to feed oneself once food has been prepared and made available.
III. Drug-induced or toxic causes of Parkinsonism are excluded.

Medical Practitioner means a person who holds a valid registration from the Medical Council of any State or Medical
Council of India or Council for Indian Medicine or for Homeopathy set up by the Government of India or a State
Government and is thereby entitled to practice medicine within its jurisdiction; and is acting within its scope and
jurisdiction of license.

Grace Period Surrender Value

Grace period under the rider will be as per the Base RP: No surrender or paid up value shall be payable under
Policy. the policy.
LP and SP: The policy acquires surrender value on payment
Paid up Value of two years’ premium/single premium. The surrender
Rider cannot be made paid up separately from Base value payable is as mentioned below:
Policy. Surrender value = 70% of total premiums paid *(no. of
For Single Pay: The policy will be fully paid up on premiums paid/ No. of premium payable - No. of months
payment of single premium elapsed/Total cover term in months)
For Regular Pay: The policy does not acquire any paid Rider cannot be surrendered separately from Base Policy.
up value
For Limited Pay: If the premium due remains unpaid Exclusions
at the expiry of grace period after the first two years’ No CI benefit will be payable in respect of any listed
premium have been paid, the policy will not lapse but condition arising directly or from, though, in consequence
will continue as a reduced paid up policy. If the policy of or aggravated by any of the following:
becomes paid up, the following benefits are payable - 1. Pre-Existing Conditions or conditions connected to a
Paid up value = No. of premiums paid/ No. of premium Pre-Existing Condition will be excluded. Pre-Existing disease
payable multiplied by (rider sum assured inclusive of means any condition, ailment, injury or disease:
loyalty benefit) a) That is/are diagnosed by a physician within 48
months prior to the effective date of the policy issued
Revival by the insurer or its reinstatement or
Rider cannot be revived separately from base plan and b) For which medical advice or treatment was
revival procedure will be as per Base Policy. recommended by, or received from a physician within
48 months prior to the effective date of the policy
Loan issued by the insurer or its reinstatement.
Loans are not available under the rider. 2. Self-inflicted injury, suicide, insanity, and deliberate
participation of the life insured in an illegal or criminal act.

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3. Use of intoxicating drugs / alcohol / solvent, taking of Waiting and Survival Period
drugs except under the direction of a qualified medical Waiting period is a period of first 90 days from the date of
practitioner. acceptance of risk (policy inception/revival). During this
4. War – whether declared or not, civil commotion, period the Critical Illness benefit is not payable.
breach of law with criminal intent, invasion, hostilities Survival period is a period of first 30 days from date of first
(whether war is declared or not), rebellion, revolution, confirmed Diagnosis.
military or usurped power or wilful participation in acts Rider benefit can only be claimed if the critical illness is
of violence. diagnosed at least 90 days after the date of
5. Aviation other than as a fare paying passenger or commencement or the date of revival/reinstatement
crew in a commercial licensed aircraft. whichever is later and the life insured survives the specified
6. Taking part in any act of a criminal nature. illness for a period of at least 30 days from the date of first
7. Treatment for injury or illness caused by avocations confirmed diagnosis.
/ activities such as hunting, mountaineering, steeple- The Critical Illness benefit will be payable only if the
chasing, professional sports, racing of any kind, scuba incidence of any of the covered critical illness condition
diving, aerial sports, activities such as hand-gliding, after policy issuance is the first incidence of that covered
ballooning, deliberate exposure to exceptional danger. critical illness in the lifetime of the policyholder.
8. Radioactive contamination due to nuclear accident.
9. Any treatment of a donor for the replacement of an Example for Waiting period
organ. Date of inception/revival: 01.01.2021
10. Any external congenital anomaly: Congenital Waiting period of first 90 days from 01.01.2021 which is
anomaly which is in the visible and accessible parts of from 01.01.2021 to 31.03.2021
the body. Congenital Anomaly means a condition which Cover starts from 01.04.2021
is present since birth, and which is abnormal with
reference to form, structure or position. Example for Survival period
Date of inception: 01.01.2021
Date of first confirmed diagnosis: 01.01.2022
Survival period: 30 days
From 01.01.2022 to 30.01.2022

Terms & Conditions

Free Look Period Taxes (GST)
If you are not satisfied with the ‘Terms and Conditions’ of the Premiums are exclusive of taxes.
policy, the policy can be returned to the Company for All Premiums are subject to applicable taxes, cesses and levies
cancellation with reasons thereof within 15 days (30 days in which shall be paid by you along with the Premium. If any
case of distance marketing) from the date of receipt of the additional Taxes/Cesses/Levies are imposed by any statutory or
policy bond. However, the Company will refund the premium administrative body of this country under this Policy, we reserve
after deducting proportionate rider premium for the period the right to claim the same from policyholder.
the Company has provided rider cover, expenses incurred on
medical examination, if any, and stamp duty charges. Fraud or Misrepresentation
Distance marketing entail any sale through e-mails, In case of fraud or misrepresentation, action shall be initiated in
telephonic calls and any other mode except through personal accordance with Section 45 of the Insurance Act, 1938 as
interaction. amended from time to time.
A request received by the Company for free look cancellation
of the policy shall be processed and premium shall be
refunded within 15 days of receipt of the request. Important Sections of Insurance Act
For any delay, the Company shall pay penal interest at a rate,
which is 2% above bank rate from the date of request or last Prohibition of Rebates -Section 41 of the Insurance Act, 1938
necessary document if any whichever is later, from the as amended from time to time -
insured/claimant as stated above. No person shall allow, or offer to allow, either directly or indirectly
as an inducement to any person to take out or renew or continue
Minor Lives an insurance in respect of any kind of risk relating to lives or
If the life assured is a minor at the time of base policy property in India, any rebate of the whole or part of the
inception, the rider can be chosen on attaining majority. commission payable or any rebate of the premium shown on the
policy, nor shall any person taking out or renewing or continuing a
Tax Benefits policy accept any rebate, except such rebate as may be allowed in
Tax benefits may be available as per prevailing tax laws. Tax accordance with the published prospectuses, or tables of the
benefits are subject to changes according to the tax laws from insurer.Any person making default in complying with the
time to time; please consult your tax advisor for details. provisions of this section shall be liable for penalty which may
extend to ten lakh rupees.

Shriram Life Critical Illness Plus Rider 7

 Non Disclosure: Section 45 of the Insurance Act, 1938 as amended from time to time –
(1) No policy of life insurance shall be called in question on any ground whatsoever after the expiry of three years from the date of
the policy, i.e. from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the
date of the rider to the policy, whichever is later.
(2) A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the
date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the
ground of fraud.Provided that the insurer shall have to communicate in writing to the insured or the legal representatives or
nominees or assignees of the insured the grounds and materials on which such decision is based.
(3) Notwithstanding anything contained in sub-section (2), no insurer shall repudiate a life insurance policy on the ground of fraud if
the insured can prove that the mis-statement of or suppression of a material fact was true to the best of his knowledge and belief or
that there was no deliberate intention to suppress the fact or that such mis-statement of or suppression of a material fact are within
the knowledge of the insurer:
Provided that in case of fraud, the onus of disproving lies upon the beneficiaries, in case the policyholder is not alive
(4) A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the
date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the
ground that any statement of or suppression of a fact material to the expectancy of the life of the insured was incorrectly made in
the proposal or other document on the basis of which the policy was issued or revived or rider issued:
Provided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees or assignees
of the insured the grounds and materials on which such decision to repudiate the policy of life insurance is based:
Provided further that in case of repudiation of the policy on the ground of misstatement or suppression of a material fact, and not
on the ground of fraud, the premiums collected on the policy till the date of repudiation shall be paid to the insured or the legal
representatives or nominees or assignees of the insured within a period of ninety days from the date of such repudiation.
(5) Nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy
shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of
the life insured was incorrectly stated in the proposal.

About the Company

With a pan India presence with over 400+ offices, Shriram Life is your trusted partner for prosperity. At Shriram Life we strive to
provide our customers with elegant solutions tailored to individual needs.

SHRIRAM LIFE INSURANCE COMPANY LIMITED

IRDAI Reg No. 128

CIN: U66010TG2005PLC045616
The Trade logo displayed above belongs to Shriram Value Services Limited (“SVS”)
and used by Shriram Life Insurance Company Limited under a license agreement.

For further assistance you can contact us in the following ways:

ARN – SLIC/BROC/May 2021/22
Visit your nearest branch office for details.List of our branches is available on our website www.shriramlife.com
Call our toll free number : 1800 3000 6116
@ Mail us at customercare@shriramlife.in
Visit our website www.shriramlife.com
Write to Shriram Life Insurance Company Limited, Plot No. 31-32, 5th Floor,
Ramky Selenium, Financial District, Gachibowli,
Hyderabad, Telangana – 500032
Phone: +9140 23009400 (Board)
Fax: +9140 23009456

BEWARE OF SPURIOUS/FRAUD PHONE CALLS

IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public
receiving such phone calls are requested to lodge a police complaint.

Shriram Life Critical Illness Plus Rider 8