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What Types of Illnesses Are Covered Under A Critical Illness Rider?

Updated On Apr 21, 2021

An insurance plan is a protective savings avenue that not only provides you with cover from the various difficulties in life, but also lets you save up your present earnings for a financially secure future. Situations like critical illnesses and accidents especially incur huge expenses. To cover such circumstances, having a rider is important.

What is a Life Insurance Rider?

An insurance rider is an add-on to a basic insurance plan that enhances the protection and cover provided by it. It is available at a lesser cost and in a variety of types. Different types of riders provide benefits for different circumstances like accidents, disabilities, and more.

The policyholder can choose to add one or more riders to their plans.
The benefits from a rider or the rider benefit are paid out when in need or during maturity. It is also given out in case of the death of the policyholder.

What is a Critical Illness Rider?

A critical illness rider provides benefits in case the policyholder is diagnosed with a critical illness. Its aim is to cover the various medical expenses that might be gathered as a result of the critical illness. The benefits are paid out in lump sum and the amount is irrespective of the actual costs incurred. This type of rider pays out only once during the entire policy term and the maximum benefit provided might vary from company to company.

You May Also Like To Read:- The Difference Between A Critical Illness Rider And A HospiCash Rider

IRDAI Regulations Relating To Critical Illness Rider

According to the IRDAI (Insurance Regulatory and Development Authority of India), there are several conditions related to critical illness riders. Primarily, the following illnesses are covered under a critical illness rider, subject to the condition that they or their symptoms occur 90 days after the commencement of the insurance policy:

A. First diagnosis of the below-mentioned Illnesses more specifically described below:

  • Kidney Failure (End Stage Renal Failure)
  • Primary Pulmonary Arterial Hypertension
  • Multiple Sclerosis

B. Undergoing for the first time the following surgical procedures, more specifically described below:

  • Major Organ Transplant
  • Coronary Artery Bypass Graft
  • Aorta Graft Surgery
  • Heart Valve Surgery

C. Occurrence for the first time of the following medical events more specifically described below:

  • Stroke
  • Myocardial Infarction (First Heart Attack)
  • Coma
  • Total blindness
  • Paralysis

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Also Read:- What Is Critical Illness Cover?


If you have a critical illness, it is always advisable to purchase this type of rider. This is because critical illnesses often incur heavy costs that might be burdensome for your or your family members, in case of your untimely death. The benefits from a critical illness rider will substantially help you cover such costs.

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