Sanima Life Insurance

Sanima Ghatak Rog Karar (Critical Illness) Rider

Critical illness coverage is an optional rider which covers 11 critical illness throughout the premium paying term upon payment of nominal additional premium. Upon diagnosis of the critical illness, up to 50 lakh (Basic sum assured or 50 lakh, whichever is lower) will be paid to the insured after survival period of 30 days. There will be waiting period of 90 days in this rider. To avail CI cover, minimum entry age is 16 and maximum maturity age is 65.

The salient features of the plan are as follows:

  • Minimum Age at Entry : 16 Years (Nearer Birthday)
  • Maximum Age at Entry : 60 Years (Nearer Birthday)
  • Minimum Policy Term : 5 Years
  • Maximum Policy Term : 35 Years
  • Maximum Age at Maturity : 65 Years (Nearer Birthday)
  • Minimum Sum Assured : As per base plan
  • Maximum Sum Assured : NRs. 50, 00, 000/- or as per base plan whichever is lower.
  • Mode of Premium Payment : As per base plan
  • Waiting Period : 90 days within policy date/re-instatement date
  • Survival Period : 30 days from the date of diagnosis


  • Major Cancer (Cancer of Specified Severity)
  • Kidney Failure (End Stage Renal Failure)
  • Primary Pulmonary Arterial Hypertension
  • Multiple Sclerosis with Persisting Symptoms.
  • Major Organ Transplant
  • Coronary Artery Bypass Graft
  • Surgery of Aorta
  • Heart Valve Surgery (Replacement or Repair of Heart Valve)
  • Stroke Resulting in Permanent Symptom
  • Myocardial Infraction (First Heart Attack) of Specified Severity
  • Coma


  • Disease/s Resulting from Acquired Immune Deficiency Syndrome (AIDS), AIDS related complex or infection by Human Immune Deficiency Virus (HIV)
  • Pre-existing illness which existed before the policy date or date of re-instatement, where pre-existing illness shall mean disabilities that the life assured has reasonable knowledge of. Pre-existing conditions – i. Life assured had received or is receiving treatment, ii. Medical advice, diagnosis, care or treatment has been recommended, iii. Clear and distinct symptoms are or were evident. Iv. Its existence would have been apparent to a reasonable person in the circumstances.
  • Willful misuse of drugs and alcohol
  • Donation of any of the life assured’s organs
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