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Star Union Dai-ichi Life Insurance launches – SUD Life AAROGYAM


SUD Life (Star Union Dai-ichi Life Insurance Co. Ltd.), a joint venture between Bank of India, Union Bank of India and the Dai-ichi Life, Japan today announced the launch of its new critical illness plan – SUD Life AAROGYAM.

The launch was announced by Mr. Girish Kulkarni, Managing Director and Chief Executive Officer, SUD Life, here today.

SUD Life AAROGYAM is a non-linked non-participating health insurance plan that pays the sum assured chosen as a lump sum amount in case the life insured is diagnosed with any of the listed 40 critical illnesses.

The new health plan guarantees a fixed rate of premium for first five policy years.

‘’SUD Life AAROGYAM is designed to protect your family from financial uncertainties emanating from the critical illness. It provides lump sum benefit irrespective of actual medical cost. We are confident that our new critical illness plan will help our customers be prepared to fight life’s surprises,’’ said Mr. Kulkarni.

Apart from providing cover against 40 critical illnesses, SUD Life AAROGYAM also provides an additional cover if the life insured undergoes angioplasty.

It offers lower premium for female lives and discounted premium on high-sum assured.

The coverage offered by this plan ranges from INR 5 lakh to INR 50 lakh with 100% premium pay back (excluding extra premium, if any) in case of no claims (except claim on Angioplasty) at the end of the policy term.

On diagnosis of the life insured with any of the 40 critical illnesses, Mr. Kulkarni explained, the sum assured chosen is paid and the policy terminates immediately.

“Our objective behind providing lump sum benefit is to help the customers develop control over their health spends and other life changes that they may need to make,” Mr. Kulkarni.

SUD Life AAROGYAM will be available across 10,000 Bank of India and Union Bank of India branches. It will also be promoted through SUD Life Plan Designers and advisors across the country.


On diagnosis of the Life Insured with any of the 40 Critical Illness listed below, 100% of Sum Assured chosen is paid and the policy terminates immediately.


S. No. Critical Illnesses S. No. Critical Illnesses
1 Apallic Syndrome 21 Surgery to Aorta
2 Benign Brain Tumor 22 Fulminant Viral Hepatitis
3 Blindness 23 Alzheimer’s Disease
4 Brain Surgery 24 Aplastic Anaemia
5 Cancer of Specified Severity 25 Cardiomyopathy
6 Chronic Lung Disease 26 Deafness
7 Coma of Specified Severity 27 Loss of Speech
8 End Stage Liver Disease 28 Medullary Cystic Kidney Disease
9 Open Chest CABG 29 Motor Neuron Disease with Permanent Symptoms
10 First Heart Attack – of Specified Severity 30 Multiple Sclerosis with Persisting Symptoms
11 Open Heart Replacement Or Repair of Heart Valves 31 Muscular Dystrophy
12 Kidney Failure requiring Regular Dialysis 32 Parkinson’s Disease
13 Loss of Independent Existence 33 Progressive Systemic Sclerosis
14 Loss of Limbs 34 Primary Pulmonary Hypertension
15 Encephalitis 35 SLE with Lupus Nephritis
16 Major Burns 36 Dissolution of the nerve roots of Brachial Plexus
17 Major Head Trauma 37 Bacterial Meningitis
18 Major Organ/ Bone Marrow Transplant 38 Carotid Artery Surgery
19 Permanent Paralysis of Limbs 39 Chronic Recurrent Pancreatitis
20 Stroke resulting in Permanent Symptoms 40 Ulcerative Colitis




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