List of Bhayankar Bimaari (Critical Illness) That Are 
                  Covered in 37 Critical Illness 
                  Most people want to live their lives to the fullest but are they aware of the uncertainties that are 
                  marked along the journey? To overcome the unknown nature of life, you need to be ready for all 
                  kinds of situations. This is what a Poora Plan does for you by completing your life insurance 
                  plan with rider benefits. It secures you from circumstances like getting diagnosed with a major 
                  illness and completes your adhoora insurance policy. Just the way having airbags in your car 
                  provides you with that extra safety while driving. 
                  What Is Critical Illness Rider? 
                  A rider is an additional benefit that can be added to your base plan to increase the coverage 
                  and secure yourself from unforeseen events. There are numerous riders that can be added to 
                  an insurance policy out of which critical illness rider is one of them. Critical illness rider provides 
                  coverage from a number of major illnesses and extends these perks beyond the insurance 
                  policy benefits. Kotak Life Insurance gives you protection from thirty-seven major health 
                  ailments and makes you eligible for a lump sum payout on the diagnosis of the illness. The 
                  usage of the lump sum amount is not limited just to medical expenses and income replacement 
                  but can also be used to pay for indirect expenses like home loans, bills, rent, etc. With the 
                  ever-present ambiguity in life, this kind of rider benefit safeguards you and your family by 
                  presenting you with Poora Plan which is a base plan with rider benefits. 
                  List of Critical Illnesses Covered in Critical Illness Rider                                                     
                   
                                                              Critical Illness 
                                                                       20. Primary (Idiopathic) Pulmonary 
                     1.   Cancer of Specified Severity 
                                                                       Hypertension 
                     2.   Myocardial Infraction (1st Heart             21. Motor Neuron Disease with Permanent 
                          Attack of specified severity)                Symptoms 
                                                                       22. Multiple Sclerosis with Persisting 
                     3.   Open Chest CABG 
                                                                       Symptoms 
                     4.   Open Heart Replacement or Repair 
                                                                       23. Angioplasty 
                          of Heart Valves 
                     5.   Kidney Failure Requiring Regular 
                                                                       24. Surgery of Aorta 
                          Dialysis 
                     6.   Stroke resulting in Permanent 
                                                                       25. Apallic Syndrome 
                          Symptoms 
                     7.   Major Organ/ Bone Marrow 
                                                                       26. Loss of Independent Existence 
                          Transplant 
                     8.   Permanent Paralysis of limbs                 27. Cardiomyopathy 
                     9.   Loss of Limbs                                28.Brain Surgery 
                     10. Third Degree Burns                            29. Alzheimer’s Disease 
                     11. Blindness                                     30. Parkinson’s Disease 
                     12. End-Stage Liver Failure                       31. Muscular Dystrophy 
                     13. End-Stage Lung Failure                        32. Poliomyelitis 
                     14. Coma of Specified Severity                    33. Medullary Cystic Disease 
                                                                       34. Systematic Lupus Erythematosus with 
                     15. Major Head Trauma 
                                                                       Renal Involvement 
                     16. Benign Brain Tumour                           35. Aplastic Anaemia 
                     17. Deafness                                      36. Bacterial Meningitis 
                     18. Loss of Speech                                37. Encephalitis 
                     19. Fulminant Viral Hepatitis                      
                  Features of Critical Illness Rider 
                      ● Protection against thirty-seven major illnesses 
                      ● Lump-sum payout on diagnosis of critical illnesses 
                      ● Flexibility for payment of premiums 
                      ● Option of opting for rider benefit while buying the policy or on the policy anniversary 
                  Benefits of Critical Illness Rider 
                  Here are some benefits of buying a critical illness rider along with your base insurance plan:  
                      ● You can avail tax benefit under Section 80C and 80D of the Income Tax Act, 1961 with 
                          the critical illness rider  
                      ● The rider covers some of the major illnesses which are not covered by a life insurance 
                          policy 
                      ● The thirty-seven major illnesses include cancer, brain tumor, Alzheimer’s Disease, 
                          Parkinson’s Disease, blindness, permanent paralysis of limbs, etc. 
         ● Opting for the rider benefit enables you to use it for income replacement 
         ● The rider can be availed to pay for medical expenses like treatment and medication 
        
       Get Poora Plan today and add rider benefits to enhance your life insurance policy because an 
       aadha plan results in an adhoora coverage. Kotak Life Insurance encourages the new 
       customers to buy a complete plan with riders that gives them 360-degree protection and the 
       existing customers to add riders to their plans.