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The Aditya Birla Sun Life Insurance (ABSLI) Income Suraksha Plan is a term insurance plan for salaried individuals that ensures financial protection for their families in case of their unfortunate demise. This plan promises monthly income to the families of the policyholders, helping them manage their finances without stress.
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You can also add term insurance riders to this term plan to enhance your coverage. Let’s explore these riders in ABSLI Income Suraksha Plan.
Term Plans
The Aditya Birla Sun Life Insurance (ABSLI) Income Suraksha Plan is a term insurance plan designed for salaried people. It guarantees a regular monthly income for your family if something unfortunate occurs to you during the policy term. You can select from two plan variants: Fixed Income Protection, which provides a constant monthly amount, or Increasing Income Protection, where the monthly amount increases by 5% annually, taking advantage of the power of compounding. This also ensures that the amount grows over time, helping your family cope with inflation. The term insurance plan is flexible and offers good coverage, ensuring your family’s financial needs are met over time.
Here are the term insurance riders that you can add to your base plan and enhance the coverage:
ABSLI Accidental Death and Disability Rider: This rider provides a significant benefit by offering a lump sum payment equal to 100% of the Rider Sum Assured if the policyholder dies or becomes disabled due to an accident. This ensures that the policyholder’s family receives a substantial financial cushion in the event of an accident that results in death or disability, providing extra financial support during a challenging time.
ABSLI Critical Illness Rider: This rider offers a lump sum payment if the policyholder is diagnosed with a specified critical illness and survives for at least 30 days after the diagnosis. The rider helps alleviate the financial burden associated with serious illnesses by providing a one-time payment that can be used to cover medical expenses, treatments, or other financial needs during recovery.
ABSLI Surgical Care Rider: This rider provides a lump sum benefit if the policyholder is hospitalized for at least 24 hours for necessary surgery within India. The benefit is intended to help cover the costs of surgery and associated medical expenses, offering financial relief if the policyholder undergoes a significant surgical procedure.
ABSLI Hospital Care Rider: This rider gives a lump sum benefit if the policyholder is hospitalized for at least 24 hours for any medically necessary surgery within India. It supports the policyholder by providing a financial benefit to cover hospital and surgical costs, ensuring that the policyholder has some financial support during a hospital stay for essential medical procedures.
ABSLI Accidental Death Benefit Rider Plus: This rider enhances the coverage by providing a lump sum payment equal to 100% of the Rider Sum Assured if the policyholder dies due to an accident. Additionally, it refunds the premiums paid for the rider, with interest, after the accident, along with the death benefit. This means that the policyholder’s family receives a lump sum payment, and any premiums paid for this rider are also refunded, adding extra financial support.
ABSLI Waiver of Premium: This rider ensures that all future premiums for the base plan and any additional riders are waived if the policyholder is diagnosed with a critical illness or disability. This means that even if the policyholder cannot work or earn an income due to illness or disability, they will not have to worry about paying ongoing premiums, keeping their insurance coverage intact.
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ABSLI Income Suraksha Plan is exclusively available on Policybazaar. Some of the reasons why you should consider buying the ABSLI Income Suraksha Plan from Policybazaar are mentioned below:
Affordable Premiums: Policybazaar provides competitive pricing on the ABSLI Income Suraksha Plan and other term insurance policies. This means you can secure quality insurance coverage at a cost that fits your budget, ensuring you get great value for your money without compromising on essential features.
Extra Discounts: When you purchase your term insurance through Policybazaar, you benefit from exclusive discounts and offers you might not find with other providers. These additional savings help reduce your overall premium costs, making your insurance plan even more affordable.
Easy Comparison: Policybazaar simplifies selecting the right term insurance plan by allowing you to compare over 15 top plans and their features all in one place. This comprehensive comparison tool helps you quickly identify which plan best meets your needs and preferences, saving time and effort in your decision-making process.
Simple Online Process: Purchasing your insurance plan through Policybazaar is straightforward and convenient. You can complete the entire buying process online without the hassle of paperwork. This user-friendly approach ensures you can set up your policy quickly and efficiently from home.
Helpful Support: Policybazaar offers dedicated customer support to assist you with questions or concerns. Their knowledgeable insurance advisors can help you understand policy details, resolve any issues, and guide you through the insurance process, ensuring a smooth experience.
Smooth Claims: If you ever need to make a claim, Policybazaar will assist you immediately. Their Dedicated Claim Assistance Program is designed to help you navigate the claims process efficiently, minimizing any potential hassles and ensuring that your claim is settled promptly and fairly.
Here are the steps to buy the Aditya Birla Sun Life Insurance Income Suraksha Plan from Policybazaar:
Step 1: Visit Policybazaar’s official website and click “Term Insurance.”
Step 2: Submit your details, such as your name, contact details, gender, and DoB.
Step 3: Submit information regarding your job type, yearly income, educational qualifications, and smoking/tobacco consumption habits.
Step 4: Choose Aditya Birla Sun Life Insurance Income Suraksha Plan from the available list of term insurance plans.
Step 5: Pay using your preferred mode to complete the process.
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
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