MAM
GoaFest 2017: Winners of Day 3 Creative Abby Awards announced
GOA: After three days of seminars and conclaves by industry experts, crazy parties, the last Abby awards evenings was filled with delegates screaming their throats hoarse in support of colleagues during the presentation in Goafest 2017. With a total of 421 metals given away this year across 11 categories, the event saw an increase in the number of gold and silver metals awarded this year as compared to last.
The Advertising Club (TAC) and the Advertising Agencies Association of India (AAAI) felicitated the works of the advertising agencies with the Creative Abby Awards 2017 on Friday.
Mobile Abby
In the Mobile Abby category, JWT India – Bangalore bagged one gold and two silver metals, emerging as the winner in the category. The agency received a gold for their ‘The Hindu’s ‘#SpiritOfBangalore’ campaign in the Thumb-stopper Award.
Apart from them, Taproot Dentsu- Gurgaon took home a gold metal for Airtel’s ‘Lifesaving Wallpapers’ campaign in the Mobile/Tablet App’d Cause related category.
Film Craft
Early Man Films came out as the winner in this category with five metals, including one gold and silver each and three bronze. It received the gold trophy for its ‘CAR’ campaign for Godrej Security Solutions.
Second winning agency is Breathless Films with four metals, including one gold for their Google Search’ ‘Google Shayari’ campaign in the Casting category.
Film Single
In this category, Taproot Dentsu received a gold and a silver metal each, taking its total for Day 3 to two metals. The agency bagged a gold for their ‘Odds by Adidas’ campaign in the Clothing, Innerwear, Footwear and Accessories category.
Rishtey Cineplex bagged the majority of metals in the category consisting of one silver and two bronze metals.
Design
Open Strategy and Design bagged four gold and silver each and three bronze metals taking its total to 11 metals. The agency received two gold for their Tohsin Chocolaterie and Patisserie brand campaign titled ‘Masterstroke’ in the Corporate Brand identity and Best Integrated Design Category.
It won two other gold trophies for their Mumbai Press Club and Imaginarium brands for ‘In The News’ and ‘Think it. Print it’ campaigns, respectively.
The second winning agency with one gold metal is Viral Pandya for their Osho’ ‘Unzip the potential’ campaign.
Ambient
Taproot Dentsu emerged as the leader in this category with one gold metal for its Lifesaving Wallpapers’ campaign for Airtel.
Integrated
In this category, JWT India bagged two metals, a gold and a silver. The agency received a gold for its NestAway’s ‘Homes That Don’t Discriminate’ campaign in the Business and Home Services. Star India won a Gold for its ‘Nayi Soch’ campaign in the Corporate category.
Out Of Home
Social Street emerged as the winner in this category with a total of 6 metals. It won two gold metals for Wildlife Conservation Trust in the Public Service, Appeals and Charity category.
Second winning agency is JWT India with one gold, two silver and three bronze metals taking its total tally to six. It won the gold for their Apollo Tyres campaign in the Automatic Vehicles and Accessories category.
Gender Sensitive
Star India won a Gold for its Hindi Entertainment channel Star Plus’ for its famous ‘Nayi Soch- Cricket’ campaign. Cellar Door Productions and JWT India bagged a Silver metal for their ‘UrbanClap: Men’s Day’ and ‘My daughter will’ campaign, respectively.
The Young Abby award this year goes to FCB Interfaces’ Ketan Sudhir Kadam and Adith Francis Fernandes for their ‘Ads that actually saved water’ for Drop Dead Foundation.
MAM
What Is a Critical Illness Rider? Meaning, Features and Benefits
When you buy a health insurance policy, you usually focus on hospital bills and treatment costs. But serious illnesses don’t just affect your medical expenses: they disrupt your income, lifestyle and long-term plans. That’s where a Critical Illness Rider becomes relevant. It works as an additional layer of financial protection when you are diagnosed with a major illness.
Instead of reimbursing hospital bills, this rider offers a lump-sum payout you can use as needed. Understanding its mechanism helps you decide if your coverage is truly complete.
What is a Critical Illness Rider?
It is an add-on benefit attached to your existing health insurance policy. It provides a fixed lump sum amount if you are diagnosed with any illness listed under the rider. You become eligible for a payout solely on the basis of diagnosis, not by hospitalisation or treatment expenses.
Unlike regular coverage, you are not required to submit medical bills to claim this benefit. Once the diagnosed illness meets the policy definition and criteria, the insurer releases the amount. This makes it different from standard critical health insurance plans, which are standalone policies rather than add-ons.
How a Critical Illness Rider Works
When you opt for this rider, you choose a predefined sum assured. If you are diagnosed with a covered illness, the insurer pays the full amount in one lump sum. The payout can be used for treatment, recovery, income replacement, debt repayment, or even lifestyle adjustments.
Most riders specify a waiting period and a survival period. The waiting period means the illness must be diagnosed after a certain number of days from the policy start date. The survival period requires you to survive for a specific number of days after diagnosis for the claim to be valid.
Key Features of a Critical Illness Rider
Here are some of the key features of a critical illness rider:
Lump Sum Benefit
The most important feature is the lump sum payout. You are not restricted to medical usage. This flexibility allows you to handle non-medical costs that often arise during long-term illness.
Coverage for Major Illnesses
Critical Illness Riders usually cover life-altering conditions such as cancer, heart attack, stroke, kidney failure and major organ transplants. The exact list varies across insurers, so reviewing covered conditions is essential.
One-Time Claim Structure
In most cases, once a claim is paid, the rider terminates. This is because it is designed to address high-impact illnesses rather than recurring medical needs.
Affordable Premium
Since it is an add-on, the premium is lower than that of standalone critical health insurance plans. This makes it a cost-effective way to enhance your existing health insurance policy.
No Hospitalisation Requirement
You don’t need to be hospitalised to receive the benefit. Diagnosis alone is enough to avail the benefits. But ensure that all the policy conditions are met.
Income Protection Support
During critical illness, loss of income can be more damaging than medical bills. The rider helps bridge this gap by offering financial stability when you need it most.
Who Should Consider a Critical Illness Rider
If you have dependents, loans or limited savings, this rider adds meaningful protection. It is also relevant if your employer-provided health insurance policy focuses mainly on hospitalisation and lacks income replacement support.
Conclusion
A Critical Illness rider strengthens your health insurance policy by covering financial gaps that regular medical coverage often ignores. It gives you control, flexibility and immediate support during serious health events. Before choosing one, review the list of covered illnesses, waiting periods and claim conditions carefully. When structured correctly, this rider can protect not just your health expenses but also your financial stability during challenging times.






