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Aditya Birla Sun Life Insurance Digishield Plan
At a Glance
Life insurance to protect your family with greater certainty
Complete protection at an affordable cost
Flexible policy to meet your needs
Of Inbuilt Terminal Illness Benefit
Option to cover your spouse under the same policy and enhance coverage at key milestones of your life
Features & Benefits
Multiple coverage and payment options
- Complete financial protection at an affordable cost
- Two plan options to suit your protection needs
- Option to enhance coverage at key milestones of your life
- Option to cover your spouse under the same policy
- Inbuilt Terminal Illness Benefit
- Multiple options to receive death benefit to meet your needs
- Flexible premium paying terms
Enhance your insurance with appropriate rider options
In case of unfortunate demise of the life insured during the policy term Death Benefit will be paid to the nominee. Death Benefit is the Sum Assured on death less any previously paid Terminal Illness Benefit. The policy shall be terminated once the Death Benefit is paid.
Sum Assured on Death for regular | limited pay will be highest of
- 10 times of the annualised premium for all ages; or
- 105% of total premiums paid as on the date of death; or
- Absolute amount assured to be paid on death
Sum Assured on Death for single pay will be highest of
- 125% of single premium for all ages; or
- Absolute amount assured to be paid on death
Annualized Premium shall be the premium amount payable in a year chosen by the policyholder, excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.
Total Premiums paid means total of all the premiums received, excluding any extra premium, any rider premium and taxes.
There is no maturity benefit payable under this plan.
Eligibility & Fees
|Entry Age||18 to 65 years of age|
|Policy Term||5 to 40 years|
|Premium Payment Term||Single Pay | Limited Pay – 5 to 7 years | Regular Pay|
|Maturity Age||80 years|
|Sum Assured||Min – Rs. 30,00,000 |
Max – No Limit (subject to underwriting guidelines)
|Plan Option||I – Level Term Assurance |
II – Increasing Term Assurance
|Premium Mode||Annual | Semi-annual | Quarterly | Monthly|
DBS Bank India Limited is a corporate agent of Aditya Birla Sun Life Insurance Company under license number 0257.
This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a non-linked non – participating term insurance plan. All terms & conditions are guaranteed throughout the policy term. GST and any other applicable taxes will be added (extra) to your premium and levied as per extant tax laws. An extra premium may be charged as per our then existing underwriting guidelines for substandard lives, smokers or people having hazardous occupations etc. Tax benefits are subject to changes in the tax laws. For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding the sales. Aditya Birla Sun Life Insurance Company Limited (Formerly Birla Sun Life Insurance Company Limited) Registered Office – One Indiabulls Centre Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400013. IRDAI reg no.109 CIN: U99999MH2000PLC128110 UIN:109N108V04 ADV/1/17-18/1545
IRDAI hereby clarifies to the public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call and number.
DBS Bank India Limited (IRDA of India Registration Number: CA 0257) having the Registered office at GF: Nos. 11 & 12 & FF - Nos.110 to 115, Capitol Point BKS Marg, Connaught Place, Delhi - 110001 is the Composite Corporate Agent of Tata AIA Life Insurance Company Limited (IRDA of India Regn. No.110) CIN: U66010MH2000PLC128403 having the Registered office/principal place of business at 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai - 400013, Aditya Birla Sun Life Insurance Company Limited (IRDA of India Regn.No.109) CIN: U99999MH2000PLC128110 having the Registered office address at One India bulls Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013, Royal Sundaram General Insurance Company Limited (IRDA of India Regn.No.102) CIN: U67200TN2000PLC045611 having the Registered office address at No.21, Patullos Road, Chennai - 600002, Bharti Axa General Insurance Company Ltd. having the Registered office address at First Floor Hosto Centre, No. 43, Millers Road, Vasanth Nagar, Bangalore - 560052 and Go Digit General Insurance Limited and having its corporate office at Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru, Karnataka 560095. ISNP Registration valid.
DBS Bank India Limited does not underwrite the risk or act as an insurer. The Insurance products are offered and underwritten by respective insurance companies. The contract of insurance is between the insurer and the insured and not between the bank and the insured. Bank does not give any warranty, as to the accuracy and completeness of the policies. Bank does not accept any liability or losses attributable to your contract of Insurance. Customers are advised to take independent professional advice before participating. Insurance is a subject matter of solicitation.
For more details on risk factors, terms and conditions, exclusions, please read sales brochure of insurer and policy terms and conditions carefully before concluding a sale. Tax benefits are available as per the prevailing tax laws, which are subject to change. Participation by the Bank’s customers in the insurance products is purely on a voluntary basis.
For any information including cancellation, claims and complaints, please contact our Treasures Relationship Manager or visit DBS Bank India’s nearest branch office or Contact our 24-hour toll free customer service helpline number 1860 267 1234 / 1800 209 4555 or our overseas customer service number 91-44-66854555 or write to us at firstname.lastname@example.org. Visit us at: www.dbs.com/in