LIC’s Female Critical Illness Benefit Rider (UIN 512B226V01) is an individual, non‑linked health rider for women that pays a fixed lump‑sum if the female life assured is diagnosed with certain women‑specific critical illnesses, while the base policy continues.

Nature and purpose

• Type: Individual, non‑linked, non‑participating female‑specific critical illness rider attachable to eligible LIC policies (e.g., women‑centric plans like Bima Lakshmi).
• Purpose: Provide extra financial protection against women‑specific critical illnesses/conditions, via a one‑time lump‑sum, independent of hospital bills.

Core benefit

• On first occurrence / diagnosis of a covered female critical illness or condition (as per LIC’s defined list and criteria), after satisfying waiting and survival periods, the rider pays a Female Critical Illness Benefit (fixed lump sum).
• The benefit is payable once; after payment, that module/rider cover terminates.
• Base policy’s life cover and maturity benefits continue as per normal terms (unless specially adjusted by rider wording).

Sum assured and limits

From the CIS/sales brochure (high‑level):

• Critical Illness Benefit per “module”: capped at the lower of:
  • A specified percentage of base plan Sum Assured on Death, or
  • ₹5,00,000.
• Overall cap: Maximum total Female Critical Illness Benefit across all modules under this rider on a life is ₹5,00,000.​

Exact module‑wise limits and linkages to base Sum Assured must be taken from the latest LIC sales brochure and CIS for this rider.

Key conditions

• Waiting period: A waiting period of 180 days applies from risk commencement or revival to first diagnosis/occurrence of any covered illness.​
• Pre‑existing exclusion: No benefit for illnesses/conditions that were present or advised/treated in the 36 months before risk commencement/revival.​
• Survival period: As with LIC’s other CI riders, a minimum survival period (typically 30 days from diagnosis) will be required; confirm exact days from brochure.
• One‑time benefit: Once the benefit is paid for a module, that module ceases; no further payouts under the same module.

Covered illnesses (conceptual)

LIC has designed this as a female‑focused CI rider, so the covered conditions are women‑specific (for example, certain female cancers or gynecological conditions), each with precise medical definitions in the rider document. You should quote the exact list and definitions directly from the official sales brochure/CIS when preparing client‑facing content.