Official Insurer Policy Wording, UIN: 109N108V13 · Fetched on 15/11/2026

Insurer Metrics: Official IRDAI Annual Report (3-yr weighted avg as of Mar 2026) source

✓ Verified official wording

ABSLI DigiShield Plan

Aditya Birla Sun Life · PRIVATE · term ·

98.5%

Claim settlement ratio (IRDAI)

2.33

Complaints per 10,000 claims

goods
Grace Period
The policy provides a grace period for premium payments without penalty.
weaknesses
Accelerated Critical Illness Waiting Period
A waiting period applies before critical illness benefits are payable.
hidden_traps
Terminal Illness Benefit Deduction
Payments made for Terminal Illness reduce the final Death Benefit.
weaknesses
Suicide Exclusion
Death by suicide within 12 months limits the benefit payout.
goods
Free-Look Period
The policyholder has 30 days to review and return the policy.
hidden_traps
Critical Illness Definition Exclusions (Cancer)
Specific early-stage cancers are excluded from the Critical Illness benefit.
weaknesses
Terminal Illness Age Limit
Terminal Illness benefit is not available after age 80.
goods
Revival Period
Lapsed policies can be revived within a five-year window.
hidden_traps
Pre-existing Disease Exclusion
Pre-existing diseases are excluded for a 36-month look-back period.
goods
Terminal Illness Premium Waiver
Future premiums are waived upon Terminal Illness diagnosis.