Super Term Plan review
Covers 42 critical illnesses inside the base plan — most insurers charge extra for that as a rider.
Aditya Birla Sun Life Super Term Plan scores 4/5 in our assessment. Aditya Birla Sun Life settles 98.7% of claims and draws 1.33 complaints per 10,000 claims. Cover runs ₹25 L – no maximum limit (subject to underwriting). Illustrative premiums start at ₹16,343 a year.
View policy document on Aditya Birla Sun Life's website ↗
- Our score
- 4 / 5
- Claim settlement ratio
- 98.7%
- Complaints per 10,000 claims
- 1.33
- Cover available
- ₹25 L – no maximum limit (subject to underwriting)
- Entry age
- 18–65 yrs
- Term
- To age 85
What Super Term Plan covers
- Death from any cause during the policy term
- Critical illness across 42 conditions — built in, no rider needed
- Terminal illness — early payout of up to ₹1 crore
- Accidental disability — premium waiver
Key features
- Three variants — Level Cover, Increasing Cover (5% a year to 200%) and ROP
- Accelerated critical illness built in — 42 illnesses, up to 50% of cover, capped at ₹50 lakh
- Terminal illness payout of up to ₹1 crore included
- Accidental total and permanent disability waives all future premiums
- Life stage flexibility to raise cover at marriage, childbirth or a home purchase
- Cover Continuance allows premium deferral under defined conditions
Riders and add-ons
- Accidental Death
- Waiver of Premium
- Accelerated Critical Illness (built in)
What Super Term Plan does not cover
- Suicide within 12 months of policy start or revival
- Death traced to an undisclosed medical condition
- Fraudulent claims or material misrepresentation
- Self-inflicted injury within the exclusion period
What does Super Term Plan cost?
₹2 crore cover to age 65 · healthy non-smoker, salaried, Delhi (110010) · annual premium incl. GST
| Profile | Annual premium |
|---|---|
| 25, Male | ₹18,607 |
| 25, Female | ₹16,343 |
| 30, Male | ₹21,767 |
| 30, Female | ₹18,235 |
| 35, Male | ₹23,400 |
| 35, Female | ₹19,890 |
What we like
- Built-in critical illness cover usually works out cheaper than a standalone rider
- Only 1.33 complaints per 10,000 claims — second best of the five
- The Increasing Cover variant grows 5% a year, which fights inflation over a 30-year term
- The cheapest option at age 35 for both men and women
- Early exit value available at certain ages and tenures
What we don't
- At 98.70%, the lowest settlement ratio of the five
- Solvency of 1.82x is the thinnest here, though still above the 1.5x minimum
- The critical illness payout is capped at 50% of cover or ₹50 lakh, whichever is lower
- Smaller distribution footprint in some states
Our verdict
The built-in critical illness cover is the whole argument for this plan, and it is a good one — bundling 42 conditions into the base premium usually beats buying a rider separately. The counterweight is that Aditya Birla Sun Life has the weakest insurer metrics of the five. If you want term and critical illness in a single policy and are comfortable with a 98.70% settlement ratio, this makes sense. If you would rather maximise claim certainty, take Axis Max Life and buy the rider.
Every score resolves to how we score plans — plan features 45%, insurer strength 45%, premium 10%.
Frequently asked questions
Is Aditya Birla Sun Life Super Term Plan a good plan?
We score it 4 out of 5. The built-in critical illness cover is the whole argument for this plan, and it is a good one — bundling 42 conditions into the base premium usually beats buying a rider separately. The counterweight is that Aditya Birla Sun Life has the weakest insurer metrics of the five. If you want term and critical illness in a single policy and are comfortable with a 98.70% settlement ratio, this makes sense. If you would rather maximise claim certainty, take Axis Max Life and buy the rider.
What is the claim settlement ratio of Aditya Birla Sun Life?
98.7%, as a three-year average for FY 2024–26 from IRDAI disclosures. Aditya Birla Sun Life receives 1.33 complaints per 10,000 claims.
How much cover can I take under Super Term Plan?
₹25 L – no maximum limit (subject to underwriting). Entry age is 18–65 yrs.
What does Super Term Plan not cover?
The main exclusions are: Suicide within 12 months of policy start or revival; Death traced to an undisclosed medical condition; Fraudulent claims or material misrepresentation; Self-inflicted injury within the exclusion period.
Sources
- Aditya Birla Sun Life — ABSLI Super Term Plan brochure (docType: brochure — no policy wording located yet; a separate 'ABSLI Super Term Plan Plus' product also exists, confirm this record isn't meant to be that one) — Eligibility Criteria table; Accelerated Critical Illness (ACI) Benefit list, items 1–42; Sum Assured table
- Aditya Birla Sun Life — Super Term Plan product page
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Disclaimer: Figures shown here are compiled from IRDAI annual reports and public grievance disclosures, and from insurer public disclosures and policy wordings. Claim settlement ratios and complaint volumes are three-year averages for FY 2024–26. Premiums are indicative illustrations for the stated profile, not quotes — your actual premium depends on your age, health, city, habits and underwriting. Scores are Myinsurancebro's own assessment. Always read the official policy document and speak to an advisor before buying. Myinsurancebro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.