Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Policy typeIndividual non-linked, non-participating fixed-benefit health insurance plan paying on diagnosis of covered minor or major critical illness conditions.View source
The page identifies a fixed-benefit plan for cancer, heart, liver and kidney conditions with three plan options.
- Source
- SUD Life Smart Healthcare
- Page / section
- Benefits
- Accessed
- 30 Aug 2026
- Confidence
- high
InsurerStar Union Dai-ichi Life Insurance Company Limited (SUD Life); Bank of India distributes the policy as corporate agent.View source
The disclaimer identifies SUD Life as underwriter and BOI as corporate agent.
- Source
- SUD Life Smart Healthcare
- Page / section
- Disclaimer
- Accessed
- 30 Aug 2026
- Confidence
- high
Policy termPolicy-term options are 5 to 30 years.View source
The policy-term section publishes a minimum of 5 years and maximum of 30 years.
- Source
- SUD Life Smart Healthcare
- Page / section
- Policy term
- Accessed
- 30 Aug 2026
- Confidence
- high
Sum insured / fixed payoutSum-insured options are ₹5 lakh to ₹50 lakh, increasing in multiples of ₹1 lakh.View source
The sum-assured section publishes ₹5 lakh–₹50 lakh and ₹1 lakh multiples.
- Source
- SUD Life Smart Healthcare
- Page / section
- Sum assured
- Accessed
- 30 Aug 2026
- Confidence
- high
Published benefitsFixed payout based on the severity of a covered condition irrespective of actual billing; waiver of premium for 3 policy years on diagnosis of the first minor critical illness (only the outstanding term is waived if shorter than 3 years); three plan options cover minor and major conditions of cancer, heart, liver or kidney; tax benefits under Section 80D subject to law.View source
The benefits section publishes fixed payout, first-minor-CI premium waiver, covered conditions and tax note.
- Source
- SUD Life Smart Healthcare
- Page / section
- Benefits
- Accessed
- 30 Aug 2026
- Confidence
- high
PremiumA universal premium amount is not published; premium depends on selected sum insured, plan, term, age and underwriting.View source
The page publishes cover and term ranges but no premium table.
- Source
- SUD Life Smart Healthcare
- Page / section
- Policy term / Sum assured
- Accessed
- 30 Aug 2026
- Confidence
- high
Entry ageNo numeric entry-age range is published on the reviewed BOI page.View source
The reviewed page gives policy term and sum assured but no entry-age threshold.
- Source
- SUD Life Smart Healthcare
- Page / section
- Eligibility
- Accessed
- 30 Aug 2026
- Confidence
- high
Waiting periodNo waiting-period schedule is published on the reviewed product page.View source
The page has no waiting-period table.
- Source
- SUD Life Smart Healthcare
- Page / section
- Disclaimer
- Accessed
- 30 Aug 2026
- Confidence
- high
Key exclusionsThe complete exclusions and policy conditions are not reproduced on the BOI summary; review the SUD Life critical-illness brochure and wording.View source
The disclaimer directs customers to the sales brochure for risk factors and exclusions.
- Source
- SUD Life Smart Healthcare
- Page / section
- Disclaimer
- Accessed
- 30 Aug 2026
- Confidence
- high
Benefits and features
- ₹5 lakh–₹50 lakh sum insured in ₹1 lakh multiples
- 5–30-year policy term
- Three critical-illness plan options
- Fixed payout irrespective of actual billing
- Premium waiver up to 3 years after first minor CI diagnosis
Eligibility
- The reviewed BOI page does not publish a numeric entry-age threshold.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Proposal, identity/medical details and documents requested by SUD Life
Related official documents
SUD Life Smart Healthcare — official BOI pageofficial-product-page · current · accessed 30 Aug 2026
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