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Critical Illness Rider LIC
Critical Illness Rider LIC
Underwriting Rules:
Actual Sum Assured (ASA) for CIR-SUC:
Female Lives:
Basic S.A under New CIR Policies only is to be taken and
Allowed to Category A1 and A2 only.
not to be clubbed with ASA under Basic Plan.
Pregnant ladies: Not Allowed.
Non -Medical Schemes:
Sub-Standard Major lives:
Allowed under NMS, NMG(Professional) B1( a) & (b), & Major
Up to EMR Class Two only, Physically Handicapped Lives
Students:
are not allowed.
Maximum CIR-SUC
Age nbd Financial Underwriting:
NMS & NMG Professional- B1(a) & (b)
18 to 35 15 Lakhs Age Group Max CIR-TRSA Allowed
36 to 45 10 Lakhs 18 -45: 8 times of Avg. income of last 3 yrs,
46 to 50 2 Lakhs 46-65: 5 times of Avg. income of last 3 yrs, and will be
Major Students upto age 30 yrs: 10 Lakhs. included in TRSA eligibility.
MHR is required as per SUC of Basic Plan.
Medical Examination & Special Reports:
FMR & Special Reports are required as per CIR-SUC, Occupation Extra: Not Allowed to Proponents attracting
ECG & FBS are must in case of: occupation extra.
i. Age 18-35 Yrs & CIR-TRSA above 5 lakhs. Keyman/Partnership/Empl-Employee:
ii. Age 36 Years LBD & above. Allowed only under Employer-Employee
Non-Standard Age Proofs: Not allowed NRIs & FNIOs : Not Allowed.