Avail flexibility for change in Sum Assured

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Financial support if disability limits your daily functioning

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Get your premiums back at maturity with ROP

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Accidents happen without warning and can affect your ability to work, earn, and provide. Protect your income and your family’s daily life with a rider that pays when disability limits your independence. Build a stronger layer of protection against life's unexpected turns.

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Generali Central Linked Accidental Total & Permanent Disability Rider

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Have questions? Get help and reliable support from experts at Generali Central Life Insurance.

Get Expert Advice from Your Trusted Life Insurance Partner!

Everything you need to understand your policy, plan your future, and make informed decisions at your convenience.

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Product Brochure

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Policy Document 

Here are answers to some of the questions you might have.

ATPD means you've been rendered disabled by an accident to such an extent that you cannot perform 3 out of 6 basic daily living activities (washing, dressing, transferring, mobility, continence, feeding) without continuous assistance from another person. The disability must persist for at least 180 days and be certified by a medical practitioner.

No, this rider specifically covers total and permanent disability where you cannot perform at least 3 of 6 daily activities without continuous help. Partial disabilities that don't meet this threshold are not covered.

This rider covers only disabilities resulting from accidents (sudden, unforeseen, involuntary events caused by external, visible, violent means). Disabilities from illness, disease, or natural causes are not covered under this rider.

Yes! Unlike many riders that must be purchased at policy inception, this rider can be added at commencement or at any policy anniversary later—subject to underwriting approval and term alignment with your base policy.

You can change your payout option (lump sum, income, or combination) anytime during the rider term, but you must make this change before the insured event occurs. Once a claim is filed, the selected option cannot be changed.

Got Questions? We’ve Got Answers!

Understand your policy better with key details and insights into the Generali Central Linked Accidental Total & Permanent Disability Rider. 

Little Privileges Just for You

Premium can be paid in Single premium, Yearly, Half-yearly, Quarterly or Monthly modes which shall be same as the base policy. 

The Policyholder may increase/decrease Rider Sum Assured within the range of minimum eligibility criteria and up to maximum Sum Assured allowed under the Base Policy and further subject to IRDAI regulations, 2024, as amended from time to time. Any increase/decrease in Rider Sum Assured can only be done on the Policy Anniversary of the Base Policy

Under ROP option, the Policyholder will get Total Premiums Paid (excluding any extra premium and taxes, if collected explicitly) upon maturity, if there was no Rider claim made during the Rider Term. This option can be chosen only at inception and cannot be changed thereafter. 

Grace Period means the time granted by the insurer from the due date for the payment of premium, without any penalty or late fees, during which time the Policy is considered to be In-force with the risk cover without any interruption, as per the terms & conditions of the Policy. The Grace Period for payment of the premium for all types of life insurance policies shall be fifteen (15) days, where the Policyholder pays the premium on a monthly basis and thirty (30) days in all other cases. 

(a) Rider can be attached to the base plan at inception or at any Policy anniversary of the base plan as per the Rider Terms and Conditions. 

(b) Rider will automatically get surrendered if the base plan is surrendered and Surrender Value, if any shall be payable. 

(c) The Policyholder may increase/decrease Rider Sum Assured within the range of minimum eligibility criteria and up to maximum Sum Assured allowed under the Base Policy and further subject to IRDAI regulations, 2024, as amended from time to time.

Terms and Conditions

The Rider Sum Assured is payable subject to following conditions: 

i. The policy shall have to be in force at the time of accident irrespective of whether or not it is in force at the time of disability. 

ii. The disability should persist continuously for a period of at least 180 days from the occurrence of the Accident. 

iii. The life assured has to be deemed disable by a suitable Medical Practitioner (appointed by the Company)

(a) If all due premiums for the first policy year have not been paid in full within the grace period, the rider shall lapse and will have no value.

(b) All risk cover ceases while the rider is in lapsed status.

(c) The Policyholder has the option to revive a lapsed rider within three (3) years from the due date of first unpaid premium.

(d) In case the Rider is not revived during the Revival Period, no benefit shall be payable at the end of Revival Period and the Rider will terminate thereafter. 

(a) Revival Period means the period of three (3) consecutive years from the due date of first unpaid Rider premium during which period the Policyholder is entitled to revive the Rider which was discontinued due to the non-payment of premium. 

(b) Revival of a Rider cannot be done once the Rider Term is over. 

(c) The Revival will be considered on receipt of application from the Policyholder along with the proof of continued insurability of Life Assured and on payment of all overdue Rider premiums with interest, if any. The Company, however, reserves the right to accept at original terms, accept with modified terms or decline the Revival of a discontinued Rider. The Revival of the discontinued Rider shall take effect only after the same is approved by the Company and is specifically communicated to the Policyholder. 

(d) The interest rate applicable on Revival should be the same as that applicable in the Base Policy. 

i. You may Surrender this Rider at any time within the Rider Term. Upon Surrender, you will be eligible for Surrender Value, if any, as per the provisions given under this clause. 

ii. The Rider acquires a Surrender Value after completion of first Policy year provided one full year premium has been received. Once this Rider has acquired a Surrender Value, the Rider or the reduced paid-up Rider may be Surrendered during the Rider Term and We will pay You the Surrender Value.

 iii. The Surrender Value on this Rider shall be the Special Surrender Value or the Guaranteed Surrender Value, whichever is higher, as defined below

GSV factor x Total Premiums Paid (excluding loading for modal premiums and discount) up to the date of surrender. 

GSV factors for regular premium and limited premium:

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The Rider acquires a Special Surrender Value immediately after the Rider is issued in case of single pay and after completion of first Policy year provided one full year premium has been received in case of limited & regular pay. 

Single / Limited pay - 75% * (Total Premiums Paid)* (1 – Rider premium paying term / Rider Term)* (Balance Rider Term / Rider Term). 

SSV Factor for Maturity Benefit* Paid up Maturity Benefit+ SSV Factor for ATPD* Paid up Rider Sum Assured 

Special Surrender Value (SSV) shall be based on the Company’s expectation of future financial and demographic conditions and may be reviewed annually by the Company in accordance with the applicable IRDAI regulations in this behalf.

(a) If after the receipt of due instalment premiums for first (1) or more Policy years in full, any subsequent instalment premium remains unpaid upon the expiry of the Grace Period, this Policy will be converted into a reduced paid-up Policy.

(b) If this Policy is converted into a reduced paid-up Policy, Rider Sum Assured and Maturity Benefit will be reduced in proportion to the number of premiums paid to the number of premiums payable under the Policy and shall be payable in the manner set out in the ATPD Benefit and Maturity Benefit provisions in ’What are Your Benefits?’ Part above.

(c) Paid up Maturity Benefit = (Number of Rider premiums paid / Total number of Rider premiums payable) * Maturity Benefit 

(d) Paid up ATPD Benefit = (Number of Rider premiums paid / Total number of Rider premiums payable) * Rider Sum Assured

You may be eligible for tax benefits on the premium(s) you pay and benefit proceeds, according to the provisions of Income Tax laws as amended from time to time.

Section 41 of the insurance Act, 1938 as amended from time to time

Section 45 of the insurance Act, 1938 as amended from time to time: 

For further information, Section 45 of the Insurance laws (Amendment) Act, 2015 may be referred.

Exclusions

No benefits under this rider will be payable if disability occurs from, or is caused by, either directly or indirectly, voluntarily or involuntarily due to or caused, occasioned, accelerated or aggravated by, any one of the following: 

i. Intentional self-inflicted injury, attempted suicide, while sane or insane; 

ii. Insured person being under the influence of drugs, alcohol, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a Doctor; 

iii. War, invasion, act of foreign enemy, hostilities (whether war be declared or not), armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes; 

iv. Taking part in any naval, military or air force operation during peace time or during service in any police, paramilitary or any similar organization. 

v. Participation by the insured person in any flying activity, except as a bona fide, fare-paying passenger of a recognized airline or Pilots and cabin crew of a commercial airline, on regular routes and on a scheduled timetable; 

vi. Participation by the insured person in a criminal or unlawful act with illegal or criminal intent; 

vii. Engaging in or taking part in professional sport(s) or any hazardous pursuits, including but not limited to, diving or riding or any kind of race; underwater activities involving the use of breathing apparatus or not; martial arts; hunting; mountaineering; parachuting; bungee jumping; 

viii. Nuclear Contamination; the radio-active, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature. 

ix. Any other exclusion that forms a part of policy document will also apply.

Grievance Redressal

In case you have any grievances on the solicitation process or on the Product sold or any of the Policy servicing matters, you may approach the Company in one of the following ways:

We will provide a resolution at the earliest. For further details please access the link: 

Why Choose Us

Generali Central Life Insurance Company Limited (Formerly known as Future Generali India Life Insurance Company Limited) offers a wide range of life insurance solutions designed to protect and empower individuals at every stage of life. Whether it’s protecting your loved ones, planning for retirement, or securing long-term financial well-being, our offerings are designed to evolve with your needs. Backed by a robust distribution network and advanced digital tools, we are dedicated to delivering simplicity, innovation, empathy, and care in every experience — all anchored by our unwavering commitment to being your Lifetime Partner.

This commitment is backed by the strength of our joint venture between Generali, a global insurance leader with over 190 years of expertise, and Central Bank of India, a trusted name with a rich legacy in Indian banking.

Disclaimer

Generali Central Life Insurance Company Limited (formerly known as Future Generali India Life Insurance Company Limited). (IRDAI Regn. No. 133) CIN:U66010MH2006PLC165288 Regd. and Corporate Office address: Generali Central Life Insurance Company Limited, Unit 801 and 802, 8th floor, Tower C, Embassy 247 Park, L.B.S. Marg, Vikhroli (W), Mumbai 400083.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS.

IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Important Information & Resources

 - The Policyholder will get Total Premiums Paid (excluding any extra premium and taxes, if collected explicitly) upon maturity, if there was no Rider claim made during the Rider Term.

Maturity Benefit

In case of an unfortunate event of accident, in which the life assured suffers from total or permanent disability to such an extent that the life assured cannot perform 3 out of 6 daily life activities (mentioned below) without continuous assistance from another person during the rider term, the Accidental Total & Permanent Disability Rider Sum Assured is paid.

In order to receive Accidental Total & Permanent Disability benefit, the life assured has to be deemed disable by a suitable Medical Practitioner (appointed by the Company) and the disability should persist continuously for a period of at least 180 days from the occurrence of the Accident.

“Accidental Total and Permanent Disability (ATPD)” means a life shall be regarded as being totally and permanently disabled under a "3 Activities of Daily Living - Failure" definition of disability, only if that life, due to Accident, has been rendered disabled to such an extent that there are at least 3 of the 6 activities of daily living (as specified below) which that life is unable to perform without the continuous assistance of another person.

An “Accident” means sudden, unforeseen and involuntary event caused by external, visible and violent means.

“Injury” means accidental physical bodily harm excluding any Illness or disease, solely and directly caused by an external, violent, visible and evident means which is verified and certified by a Medical Practitioner.

“Medical Practitioner” means a person who holds a valid registration from the Medical Council of any State or Medical Council of India or Council for Indian Medicine or for Homeopathy set up by the Government of India or a State Government and is thereby entitled to practice medicine within its jurisdiction; and is acting within the scope and jurisdiction of his license; but excluding the Physician who is:

The Policyholder has following options to receive Rider Sum Assured:

The rider will terminate on payment of complete Rider Sum Assured.

Accidental Total & Permanent Disability (ATPD) Benefit

Benefits of Generali Central Linked Accidental Death Benefit Rider

Choose the rider that fits your life

Rider Summary

Enhance your life cover with our Linked Accidental Total & Permanent Disability Rider. Get accident-based TPD protection, clear payout options, and extra financial security for you and your loved ones.

Linked Accidental Total & Permanent Disability Rider | Generali Central Life Insurance

A Non-Par, Linked, Life, Individual, Pure risk (or Savings in case of ROP option) Rider.

Accidents interrupt life without notice and permanent disability can stop your income overnight. That impact reaches far beyond medical bills.

Generali Central Linked Accidental Total and Permanent Disability Rider secures your family’s stability by paying out when you cannot manage key daily activities on your own. It fills the income gap so your household can stay on track.

A simple but essential support that protects both your lifestyle and peace of mind.

Financial support designed to replace earnings lost due to permanent disability

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Income Replacement

Increase or decrease sum assured as life circumstances change

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Adjustable Coverage

Purchase at policy start or add later at any policy anniversary

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Add Anytime

Choose the ROP option and get 100% of your premiums back if no claim is made

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Get Your Premiums Back

Choose from Single, Limited, or Regular Pay based on your life stage

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Payment Flexibility

Choose how your family receives benefits—lump sum, regular income, or a combination of both

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Flexible Benefit Options

Why Choose Generali Central Linked Accidental Total & Permanent Disability Rider?

Subhra Mukherjee

Goutam Kumar Paul

Vimal Verma

Pravin Khemka

Navin Khemka

Shoni Khan

Phoolchand Jakhad

Balraj Wadhera

Snehlata Wadhwa

Satish Kumar

Rajneesh Agrawal

Dilip Agnihotri's

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6019

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897,635

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₹87.84 Bn

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98.08%

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99.78%

We bring experience, stability, and a proven approach to supporting your family and financial goals.