Rebates in premium for choosing annual and semi-annual mode @ 3% and1.5% respectively High SA rebates are also allowed for coverage of 4 lakhs and above The following riders are available under the plan: BSLI Accidental Death and Disability Rider BSLI Critical Illness Rider BSLI Surgical Care Rider BSLI Hospital Care Rider BSLI Waiver of Premium Rider Exclusions In case of suicide committed within 12 months of policy inception or revival only the premiums paid or the Surrender Value is refunded