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Features
Ref. No. KLI/22-23/E-BB/492
Discover the top rider benefits that can elevate your term life insurance plan. Learn how Kotak Life’s riders like Accidental Death Benefit, Critical Illness, and Permanent Disability Riders provide enhanced coverage and financial security for you and your
When it comes to securing your family’s financial future, a term life insurance plan is a crucial component. However, standard coverage may not be enough to cater to all your needs. This is where rider benefits come into play. Riders are additional provisions that you can attach to your base term policy to enhance its benefits and provide comprehensive coverage.
Riders are optional add-ons to your term insurance policy that expand its coverage. They come at an additional cost but can significantly improve the overall value of your insurance plan. By integrating riders, you ensure broader protection for yourself and your loved ones during challenging circumstances.
What it is: This rider provides an additional payout if the insured dies due to an accident.
Given the uncertainty of life, it is good to get as much protection as possible. Policyholders should always aim to maximise their plan coverage. One such effective method to enhance a standard insurance policy is Kotak Accidental Death Benefit Rider. This rider benefit is payable to the nominee in case the life insured dies due to an accidental cause during the term of the accidental death insurance rider. In such a case, the nominee receives the accidental death insurance benefit over and above the basic sum assured in the policy.
What it is: This rider offers a lump sum payment if you are diagnosed with a specified critical illness
Kotak Life’s Critical Illness Rider covers 37 serious illnesses. The lump sum amount can be used for medical treatments, hospitalisation or post-recovery expenses. Including this rider can alleviate some financial strain during a challenging illness, allowing you to focus on getting better rather than worrying about finances.
What it is: This rider provides financial support in the event of total or permanent disability due to an accident, helping to protect the insured and their family during difficult times
The Kotak Life’s Permanent Disability Rider is an insurance option designed to offer financial support in the event of total or permanent disability due to an accident. This rider provides assistance to both the insured individual and their family, ensuring they have a safety net during challenging times. Generally, the rider pays out a percentage of the sum assured over a period of five years. To qualify for a claim, the disability and the circumstances surrounding it must adhere to the policy’s specific terms and conditions. This rider enhances your insurance coverage by adding an extra layer of protection for unforeseen events.
Riders can significantly enhance the value of your term plan by providing specialised coverages that align with your unique needs. The additional features serve as a safety net against life’s uncertainties, ensuring that your family is protected from unforeseen circumstances.
When evaluating term life insurance plans, don’t overlook the additional benefits that riders can provide. Kotak Life Insurance offers a range of riders that enhance your policy, ensuring you have the coverage necessary to protect your family during life’s uncertainties. By choosing the right riders, you can create a comprehensive insurance solution tailored to your personal and family needs. Tailoring your term plan with appropriate riders not only future-proofs your policy but also provides you with peace of mind, knowing that you are prepared for whatever life throws your way.
Features
Ref. No. KLI/22-23/E-BB/2435
BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS
IRDAI or its officials are not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
Kotak Accidental Death Benefit Rider - UIN No. 107B001V04 - This is a Non-Participating Non-Linked Life Individual Pure Risk Rider. The sales brochure gives only the salient features of the plan. This product is available for sale through online mode. Please refer the Policy Document for specific details on all terms and conditions.
Kotak Critical Illness Plus Benefit Rider - UIN: 107B020V02 - This is a Non-Participating Non-Linked Health Individual Pure Risk Rider. The sales brochure gives only the salient features of the plan. Please refer to the Policy Document for specific details on all terms and conditions.
Kotak Permanent Disability Benefit Rider:UIN: 107B002V03. This is a Non-Participating Non-Linked Life Insurance Individual Pure Risk Rider The sales brochure gives only the salient features of the plan. Please refer the Policy Document for specific details on all terms and conditions.
For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.
For more details on riders, please read the Rider Brochure
Kotak Mahindra Life Insurance Company Ltd.; CIN: U66030MH2000PLC128503 Regn. No.:107, Regd. Office: 8th Floor, Plot # C-12, G-Block, BKC, Bandra (E), Mumbai -400 051. Website: www.kotaklife.com | WhatsApp: 9321003007 | Toll Free No: 18002098800. Ref No: KLI/24-25/E-WEB/1725
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