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Sanima Critical Illness

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Sanima Life’s Critical Illness (CI) Rider “Ghatak Rog Rakshyabaran Yojana” offers protection to policyholder on being diagnosed with specific illness during the term of the policy.

If the life assured is diagnosed with specific illness as mentioned below, during the term of the

policy, a lump sum amount equal to the Sum Assured mentioned in rider contract or 50 lakh whichever is lower, will be paid.


List of critical illness which will be covered by Sanima Life’s Ghatak Rog Rakshyabaran Yoajana :

  1. Cancer of Specified Severity
  2. Kidney Failure Requiring Regular Dialysis
  3. Multiple Sclerosis with Persisting Symptoms
  4. Major Organ/Bone Marrow Transplant
  5. Open Heart Replacement or Repair of Heart Valves
  6. Primary Pulmonary Arterial Hypertension
  7. First Heart Attack of Specified Severity
  8. Stroke Resulting in Permanent Symptoms
  9. Coma of Specified Severity
  10. Aorta Graft Surgery
  11. Coronary Artery By-Pass Graft

Waiting period :

A waiting period of 90 days from the date of commencement or revival of policy is applied. No claim can be made during waiting period. For diagnosis during the waiting period, Rider premium will be refunded and the Rider will be terminated.

Survival Period :

A survival period should be 30 days from the date of diagnosis of CI. In case of the death within 30 days of diagnosis, no claim shall be paid under the rider. Rider premium will be refunded.

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