LIC’s Critical Illness Health Rider (UIN 512B227V01) is an individual, non‑linked health rider that pays a fixed lump sum if the life assured is diagnosed with one of the specified critical illnesses, while the base policy continues.

Nature of rider

• Type: Non‑linked, non‑participating fixed‑benefit health rider attached to eligible life policies.
• Purpose: Reduce financial strain on diagnosis of serious illnesses by paying a lump‑sum Critical Illness Sum Assured, independent of hospital bills.

Core benefit

• On first diagnosis of any one of the pre‑specified critical illnesses (15 conditions listed in the rider), after satisfying waiting period and survival period, the rider pays Critical Illness Sum Assured in one lump sum.
• Benefit is payable only once during the rider term; after payment, the rider terminates and no further CI claim is allowed.
• Base policy benefits (death/maturity/bonuses) continue as per original terms unless specifically reduced by rider conditions.

Covered illnesses (high level)

The rider covers a standard list of 15 major critical illnesses (exact names/definitions from LIC brochure), such as:

• Cancer of specified severity
• First heart attack (of specified severity)
• Stroke with permanent neurological deficit
• Open chest CABG / coronary artery surgery
• Kidney failure requiring regular dialysis
• Major organ/bone marrow transplant, multiple sclerosis, etc.

Each illness has strict diagnostic criteria and proof requirements; benefit is paid only if LIC’s medical definition is fully met.

Key conditions

• Waiting period: No CI benefit for conditions arising within 90 days from risk commencement or revival (as per current wordings).
• Survival period: Life assured must survive at least 30 days from date of diagnosis of covered critical illness to be eligible for payment.
• One‑time benefit: Once CI benefit is paid, rider cover ends; it cannot be claimed again, even for another illness.

Eligibility snapshot (typical)

From LIC and independent summaries (always use latest LIC Critical Illness Health Rider brochure/CIS for exact grid):

• Entry age (life assured): usually 18 to around 60 years (varies by base plan).
• Maximum CI cover age: often 65 years (rider ceases then, even if base policy continues).
• Rider term: 5 to 35 years, but not beyond maximum CI cover age or base‑policy term.
• Critical Illness Sum Assured:
  • Minimum: as per LIC’s rider brochure (often ₹1,00,000 or similar).
  • Maximum: capped as a percentage of base Sum Assured and/or an overall rupee limit across all CI riders on same life.
• Attachment: Can only be attached to eligible non‑linked base plans at inception, not later.

Major exclusions (summary)

The rider does not pay CI benefit under situations like:

• Any listed critical illness where death occurs within 30 days of diagnosis.
• Illness signs/symptoms within 90 days of risk commencement/revival.
• Pre‑existing conditions (diagnosed, treated or advised within 48 months before cover/revival).​
• Intentional self‑injury, attempted suicide, alcohol/drug abuse, war/terrorism, criminal acts, pregnancy‑related complications etc. (full list in brochure).