Aditya Birla Sun Life Super Term Plan Plus Review [2026]

Overview

Aditya Birla Sun Life Super Term Plan Plus is a non-linked, non-participating term insurance policy built for online, digital-first buyers. It offers coverage starting from ₹25 lakh with flexible payout options such as lump sum, monthly, or a combination of both.

Key Features and Eligibility

Plan Options: Choose from level or level cover with Return of Premium (ROP).
Entry and Maturity Age: Entry is allowed between ages 18 and 60 (up to 55 for ROP), with a maximum maturity age of 75.
Cover Continuance Benefit: Option to defer premium payments by up to 12 months under specific conditions.
Early Exit Value: Option to receive 100% of premiums back if exiting early (after the 25th policy year), according to policy terms.
Additional Protection: Covers terminal illness, critical illness, and disability coverage through inbuilt features or riders.

Aditya Birla Sun Life Insurance now offers more than one term plan. Launched in June 2026, Super Term Plan Plus sits alongside the regular Super Term Plan, with different eligibility and benefit structures.

That makes the choice less straightforward than simply picking the newer-sounding option.

In this guide, we cover how ABSLI Super Term Plan Plus works, its two plan options, important benefits and riders, how it differs from the regular Super Term Plan, sample premiums, and insurer performance metrics.

What Is the ABSLI Super Term Plan Plus?

ABSLI Super Term Plan Plus (UIN: 109N155V01) is a term plan from Aditya Birla Sun Life Insurance (ABSLI). Unlike the original Super Term Plan, it drops the Increasing Cover option and narrows its eligibility window.

Entry Age: 18 to 60 years (level cover) and 18 to 55 years (level cover with ROP)
Maturity Age: 28 to 75 years
Sum Assured: Starts at ₹25 lakh with no upper limit, subject to underwriting
Premium Modes: Annual, semi-annual, quarterly, or monthly

Note: Monthly premiums are 6% more expensive as they’re collected more frequently, increasing the total overall cost.

ABSLI Super Term Plan Plus: Level Cover and Return of Premium Options

Plan Option	What It Means
Level Cover	Fixed sum assured for the whole term. Nothing is paid back if the policyholder survives the policy term.
Level Cover with Return of Premium (ROP)	Fixed sum assured, but the policyholder gets 100% of base premiums paid if they survive the policy term.

Ditto’s Take: At Ditto, we recommend avoiding the Return of Premium options because they cost 60% to 100% (sometimes even more) higher in premium. Moreover, the money you get back (without interest or gain) at maturity has already lost its value due to inflation. Instead, it’s better to opt for a pure term plan with level cover and invest the premium difference elsewhere.

Note: If you choose the Return of Premium option, ABSLI classifies the product as a non-linked, non-participating individual savings life insurance plan.

Key Features of the ABSLI Super Term Plan Plus

Base Protection Layer

Lower first-year premiums for salaried individuals and women. Moreover, buying online can increase the total first-year discount to 11%.

Cover Continuance Benefit

Under the level cover option, you can defer up to 12 months of base-policy premiums after completing five policy years. You can use it up to three times, with at least five policy years between uses, as per the policy terms.

Health Management Services

Complimentary wellness services with a perceived value of ₹72,000 for the first 20 policy years or the policy term (whichever is lower), if your sum assured is ₹1 crore or more at inception.

Enhanced Life Stage Protection

Policyholders can increase cover with no fresh medicals after marriage (up to 50%, capped at ₹50 lakh), for your first two children (25% each, capped at ₹25 lakh per child), or for a home loan (up to 50%, capped at ₹50 lakh). The additional cover increases future premiums only for the increased portion based on factors including attained age, additional cover, and remaining term, subject to policy conditions.

Early Exit Value

Under the level cover option, you can exit after completing 25 policy years, provided the policy is in force, and you are not within the last five policy years. ABSLI pays the base premiums (excluding rider charges, modal loading, underwriting extras, etc), and the policy terminates.

Instant Claim Payout

After the policy has completed three years from inception/revival, an in-force policy can provide an accelerated payment within one working day after claim registration and submission of mandatory documents. For a sum assured between ₹50 lakh and ₹1 crore, policyholders get ₹1 lakh. For a sum assured of more than ₹1 crore, they get ₹2 lakh. ABSLI pays the remaining death benefit only after the claim is approved, and it can recover the advance if the claim is later rejected.

Flexible Payouts

Choose lump sum, monthly income, or a combination at purchase. Your nominee can also switch to a lump sum during the actual claim.

Inbuilt Benefits of the ABSLI Super Term Plan Plus

Death Benefit: Policyholders get higher life cover at low premiums, providing financial protection to dependents if they pass away during the policy term.
Terminal Illness Benefit: If diagnosed up to age 75, you get 50% of the sum assured (capped at ₹1 crore) immediately, and future premiums are waived.
Waiver of Premium on Accidental Disability: Total and permanent disability from an accident up to age 70 waives future premiums while cover continues.
Accelerated Critical Illness (ACI) Benefit: Optional, paid add-on covering 42 critical illnesses, from ₹5 lakh up to 50% of your base sum assured (capped at ₹50 lakh). As this is an accelerated benefit, any payout reduces the eventual death benefit.

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Riders Available With the ABSLI Super Term Plan Plus

Critical Illness Rider

The Critical Illness Rider (UIN: 109B019V03) provides a lump sum payout if the policyholder is diagnosed with any of the 4 listed critical illnesses and survives for 30 days. The ACI Benefit and Critical Illness Rider cannot be selected together.

Waiver of Premium Rider

The Waiver of Premium Rider (UIN: 109B017V03) waives future premiums of the base plan and the attached riders if the policyholder is diagnosed with a critical illness or disability.

Accidental Death and Disablity Rider

The Accidental Death and Disability Rider (UIN: 109B018V03) provides up to 100% of the rider sum assured if the policyholder becomes disabled or dies due to an accident.

Accidental Death Benefit Rider Plus

The Accidental Death Benefit Rider Plus (UIN: 109B023V02) provides 100% of the rider sum assured if the policyholder dies due to an accident. Additionally, any rider premiums collected after the death from the accident are refunded with interest, along with the payable death benefit.

In addition, ABSLI Super Term Plan Plus also offers surgical care and hospital care riders. For more information on which riders to select, you can refer to the infographic attached below.

Term insurance rider blueprint explaining how Ditto recommends waiver of premium and critical illness riders. It also recommends avoiding Return of Premium and Accidental Death Benefit riders.

ABSLI Super Term Plan vs ABSLI Super Term Plan Plus

Feature	Super Term Plan	Super Term Plan Plus
Plan Options	3 (level, increasing, level with ROP)	2 (level and level with ROP)
Entry Age	18 to 65 years (level/increasing), 18 to 55 years (ROP)	18 to 60 years (level), 18 to 55 years (ROP)
Maturity Age	Up to 85 years	Up to 75 years
Terminal Illness Benefit Until Age	80	75
Early Exit Value	After the 30th policy year, between ages 60 and 75, subject to policy conditions, but not in the last 5 years	After the 25th policy year but not in the last 5 years
Where It’s Sold	Direct via ABSLI and Online	Mainly via aggregators and specific partners

Ditto’s Key Takeaway: ABSLI Super Term Plan Plus is a more streamlined variant with fewer plan options and a lower maximum maturity age. However, Super Term Plan offers broader eligibility, longer coverage, and more flexibility, while Plus has more limited distribution. Since Super Term Plan Plus is a newer offering, we’re still evaluating its features to see how it compares with competitors.

ABSLI Super Term Plan Plus Sample Premium Comparison by Age and Cover

Profile	Aditya Birla Sun Life Super Term Plan Plus	Aditya Birla Sun Life Super Term Plan	Axis Max Life Smart Term Plan Plus	HDFC Life Click2Protect Supreme Plus
25, Male	₹15,150	₹18,607	₹17,222	₹19,719
25, Female	₹12,878	₹16,343	₹14,640	₹16,761
35, Male	₹23,400	₹26,507	₹26,552	₹31,118
35, Female	₹19,890	₹21,504	₹22,570	₹26,451

For this example, we’ve considered healthy profiles of non-smoking, salaried individuals living in a tier-1 city like Delhi (pincode: 110010), covered for a sum assured of ₹2 crore until 65. These premiums are without first-year discounts and are indicative, as they can vary based on your age, health conditions, lifestyle choices, sum assured, riders, and underwriting.

Key Takeaway: ABSLI Super Term Plan Plus offers the lowest indicative premiums across all four profiles in this comparison.

ABSLI: Performance Metrics

Metric (Average of FY 24-26)	Aditya Birla Sun Life Performance	Industry Average
Claim Settlement Ratio (CSR)	98.70%	99.0% (Mean)
Amount Settlement Ratio (ASR)	94.31%	94.83% (Mean)
Complaint Volume (Per 10,000 Claims)	1.33	13.10 (Median)
Solvency Ratio (IRDAI Minimum: 1.5x)	1.82x	2.00x (Median)
Annual Business Volume (Crore)	₹10,303.08	₹3,778.58 (Median)

Note: The ASR is the average of FY 23-25, as the latest financial year’s metrics have not been published yet. These metrics reflect the insurer's overall life insurance portfolio, including term insurance, Unit-Linked Insurance Plans (ULIPs), savings, etc.

Source: The insurer’s public disclosures and IRDAI annual reports. For a more detailed breakdown, you can refer to Ditto Data Lab.

Pros and Cons of the ABSLI Super Term Plan Plus

Pros

Enhanced Life Stage Protection scales up cover at real milestones, with no fresh medicals.
The Cover Continuance Benefit gives genuine breathing room during a financial rough patch, though you must repay deferred premiums the next year.
Flexible payouts, and your nominee can switch to a lump sum at claim time.
Backed by ABSLI's dependable claim record and low complaint volume.

Cons

Limited distribution, and it is harder to find than the super plan on ABSLI's own site.
ABSLI's CSR still falls behind top-tier insurers like Axis Max Life (99.71%) and HDFC Life (99.66%) for FY 24-26.

Who Should Buy the ABSLI Super Term Plan Plus?

This plan suits younger buyers, generally under 60, who want a no-frills, digital-first term plan with a real safety net for emergencies and room to grow cover at life milestones.

Look Elsewhere if You:

Are over 60, or want cover extending to age 85 (the base plan fits better).
Want an inflation-linked, automatically increasing cover.

Why Choose Ditto for Term Insurance?

At Ditto, we’ve assisted over 12,00,000 customers with choosing the right insurance policy. Why customers like Aaron below love us:

Aaron Quadros LinkedIn Customer Testimonial

100% Free Consultation
No Spam. No Sales Pressure.
Rated 4.9/5 on Google Reviews by 30,000+ Happy Customers
Backed by Zerodha
Dedicated Claim Support Team
Compare Plans and Premiums with a Trusted Insurance Advisor

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Conclusion

ABSLI Super Term Plan Plus brings real value: the Cover Continuance Benefit, Enhanced Life Stage Protection, and flexible payouts all genuinely help at affordable premiums. But it matures a decade earlier and drops the Increasing Cover option compared with ABSLI’s base plan (Super Term Plan).

But if you're not set on the ABSLI brand, compare this plan against top-rated options like Axis Max Life's Smart Term Plan Plus or HDFC Life's Click2Protect Supreme Plus before deciding.

Disclaimer: Our product team is currently evaluating this product internally. Until that review is complete, treat this article as an explanation of the plan's features and limitations.

Frequently Asked Questions

Is the ABSLI Super Term Plan Plus worth buying compared to other term plans in India?

ABSLI Super Term Plan Plus can work if you value Cover Continuance, life-stage cover increases, and flexible death-benefit payouts, but it is not automatically better than competing term plans. At Ditto, we recommend comparing the level cover option on like-for-like terms: same sum assured, cover age, premium-paying term, and payout mode.

Can I pause my ABSLI Super Term Plan Plus premiums if I hit a financial emergency?

Only under level cover, and it is not an instant emergency switch. You can use the Cover Continuance Benefit after completing five policy years, provided you have paid all due premiums and the policy is in force. You must submit a written request at least 60 days before the upcoming premium due date. It allows up to 12 months of deferral, up to three times, with a five-policy-year gap. Base cover continues, but unpaid premiums may be deducted from a claim, and riders may lapse or become reduced paid-up.

Can I increase my ABSLI Super Term Plan Plus cover after marriage or buying a home without a new medical test?

Yes, if you chose Enhanced Life Stage Protection at inception and the policy meets the eligibility conditions. No fresh medical examination is required. Cover can increase by 50% after first marriage, capped at ₹50 lakh, 25% for each of the first two children, capped at ₹25 lakh per child, and 50% for a house loan, capped at ₹50 lakh. You must exercise the option within one year of the event, and the premium increases for the additional cover.

How many critical illnesses does the Accelerated Critical Illness benefit under ABSLI Super Term Plan Plus cover?

The optional Accelerated Critical Illness benefit covers 42 specified critical illnesses. The ACI sum assured starts at ₹5 lakh and can go up to 50% of the base sum assured, capped at ₹50 lakh. A 90-day waiting period applies from policy inception or revival, and only one ACI claim is payable. If you select the ACI Benefit, we recommend increasing the base cover by the same amount so the death benefit is not reduced (because it is accelerated, the payout reduces the later death benefit). Additionally, you cannot select it with the separate ABSLI Critical Illness Rider, which covers only four illnesses.

Can my nominee switch from monthly income to a lump sum while claiming on the ABSLI Super Term Plan Plus?

Yes. If the policyholder chose the income or income plus lump sum option, the nominee can ask to commute the outstanding monthly income into a lump sum during the Income Benefit Period. However, this is not simply the arithmetic total of all unpaid installments. ABSLI pays the commuted, discounted value of future benefits using the applicable commutation factors. The current brochure says these factors use an 8.5% discount rate.

What happens to my ABSLI Super Term Plan Plus policy if I stop paying premiums for more than a year?

After the grace period ends, the policy may lapse (level cover) or become reduced paid-up (level cover with ROP) depending on the plan option and whether it has acquired the relevant value. ABSLI allows revival within five years from the first unpaid premium, subject to paying arrears with applicable interest or late fees, providing evidence of insurability, and receiving underwriting approval. Cover Continuance is not automatic protection for a year of non-payment, as it must have been validly exercised in advance. If a lapsed policy is not revived within five years, it terminates.

Do salaried customers and women get a lower premium on the ABSLI Super Term Plan Plus?

Yes. The brochure confirms special discounts for salaried customers and female lives, and ABSLI's current product page advertises up to an 11% discount on the first-year premium for online purchase. However, do not treat 11% as guaranteed for every applicant without a live quote. The final premium can vary by age, gender, smoking status, sum assured, policy term, premium-paying term, payout option, and underwriting, while any underwriting extra premium can also affect the actual outgo.

Is ABSLI Super Term Plan Plus an Aditya Birla term insurance plan?

Yes. ABSLI Super Term Plan Plus is an Aditya Birla term insurance product offered by Aditya Birla Sun Life Insurance. Someone searching for Aditya Birla Sun Life term insurance should note that ABSLI sells several term plans, so Super Term Plan Plus is not the insurer's only option.

How is this ABSLI term plan different from the regular ABSLI Super Term Plan?

This ABSLI term plan is different from the regular ABSLI Super Term Plan. Super Term Plan Plus has two options: level cover and level cover with Return of Premium (ROP). Its maximum entry age for level cover is 60, and the maximum maturity age is 75. The regular ABSLI Super Term Plan has three options, including increasing cover, and allows level and increasing cover entry up to age 65, and maturity up to age 85.

Last updated on: 23 Aug, 2026