HDFC Life provides Waiver of Premium (WOP) benefits for both Total and Permanent Disability and Critical Illness. Detailed below are the explanations, terms, conditions, and exclusions for these two rider options: **Critical Illness (CI) Coverage Under Waiver of Premium for Critical Illness (WOP CI)**   **Definitions:** 1. **Alzheimer's Disease:**    A progressive brain disorder causing memory loss and communication issues. Diagnosis by a Neurologist requires the inability to perform three or more Activities of Daily Living (ADLs) for 90 days.   **Excluded:**   a. Irreversible dementia unrelated to Alzheimer's   b. Alcohol-related brain damage   **ADLs:**   I. Washing   ii. Dressing   iii. Transferring   iv. Mobility   v. Toileting   vi. Feeding   2. **Parkinson’s Disease:**   Neurologist confirmation needed for uncontrolled disease and inability ...