Supplementary Products & Riders

Accident Riders

• PDB – Permanent Disability Benefit: Lump sum payout in case of permanent disability caused by an accident.
• ADB – Accidental Death Benefit: Extra payout to beneficiaries if death occurs due to an accident.
• None: Option to exclude accident coverage.

Daily Disability Benefit (DDB)

Provides daily financial assistance when you are temporarily unable to work due to disability.

• DDB25: Daily payout of 25% of the sum assured.
• DDB50: Daily payout of 50% of the sum assured.
• None: No disability coverage selected.

Waiver of Premium Rider

Ensures your insurance remains active by waiving future premiums if you become permanently disabled.

Hospital Insurance Options

Extend coverage to include hospitalization expenses for you and your loved ones:

• Self: Insured person only.
• Spouse: Cover husband or wife.
• Children: Add dependent children.
• Parents: Extend coverage to father or mother.

Key Benefits of Riders

• Customize your policy with flexible protection.
• Affordable compared to separate insurance plans.
• Extra protection against accidents, disability, and hospital costs.
• Peace of mind and comprehensive financial security.

How to Add Riders

1. Select your base life insurance plan.
2. Choose riders such as PDB, ADB, DDB, or WP.
3. Add Hospital Insurance if desired.
4. The system automatically calculates the premium.
5. Submit your selection to get a detailed quotation.