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A Non-Linked, Non-Participating Individual Health Rider (UIN: 110A167V02)
Tata AIASampoorna Health
Tata AIASampoorna Health
Key Benefits:
Covers unlimited day care procedures and surgeries.
- Provides coverage against 57 critical illnesses, giving you protection at different stages.
- Fixed Hospital Cash payouts & double the amount if you are admitted to the Intensive Care Unit (ICU).
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Tata AIA Sampoorna Health
The Tata AIA Sampoorna Health provides fixed benefit payouts as chosen by you for all your health requirements regardless of hospital medical bills. The rider provides fixed benefit payout for multistage 57 critical illnesses, unlimited Day Care procedures, surgeries, and hospitalization.
In addition, you can choose between the cashless or the reimbursement claim procedures. Furthermore, you can utilise the Tata AIA Vitality Program* that motivates you to live a healthier life.
Benefits Of the Tata AIA Sampoorna Health
The Tata AIA Sampoorna Health provides several benefits that can be useful at different stages of medical treatment. Here is a detail explaining the benefits.
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SurgiCash
Provides fixed payouts on undergoing any of the surgeries covered under the rider. In addition, the rider^ provides payouts for unlimited Day Care surgeries such as cataracts, dental treatment, etc.,
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HospiCash
Provides fixed amount benefit per day ranging from Rs. 500/- to Rs. 40,000/- as chosen by you.
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ICU Benefit
Provides double benefit (2x) of HospiCash per day benefit in case of ICU hospitalization.
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Recuperation Benefit
Extra 5% of HospiCash sum assured is paid out in case of continuous hospitalization for at least 7 days.
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CritiCash
Provides payout on diagnosing of any of the 57 critical illnesses covered under the policy. The multistage payouts cover Minor, Major, and Catastrophic conditions.
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Family Cover
Get your family members protected with comprehensive health cover by adding them in the same policy.
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Child Care
Provides payout on diagnosing of any of the 20 juvenile critical illnesses for your child.
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Ambulance Benefit
Provides fixed payouts for the ambulance cost incurred.
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Covers Pre-existing Diseases
Pre-existing diseases and their treatment costs are covered under this rider after 48 months.
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Wellness Benefit
It offers the Tata AIA Vitality program benefits that motivate you to live healthier life and get discount# on rider premium amount.
The Tata AIA Sampoorna Health will enhance the financial coverage based on the following add-on benefits:
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Return of Balance Premium on Maturity
Provides the option to receive total premiums paid less the claim amount already paid at maturity.
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Restoration Benefit
On exhaustion of annual limits, get your HospiCash and SurgiCash Sum Assured restored automatically for further claims.
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Diagnostic Test Benefit
Additional 5% of claim amount up to Rs. 25,000/- is payable towards Diagnostic Tests and Procedures.
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Overseas Treatment Booster (OTB)
Additional 10% of CritiCash sum assured to manage expenses like travel, accommodation, companion cost on availing major CI treatment in abroad.
Exclusive Discounts on Your Premium
In addition to the above benefits, you can also avail exclusive discounts on your premium. Here is a detailed list of the applicable discounts.
Sr. No. |
Name |
Discount |
1 |
Smart Lady Discount For Female & Girl Child |
2% on first year premium for regular/limited pay 0.5% on premium for single pay |
2 |
Transgender Discount For transgender |
2% on first year premium for regular/limited pay 0.5% on premium for single pay |
3 |
Super 30 Discount For people less than or equal to 30 years of age as on last birthday |
2% on first year premium for regular/limited pay 0.5% on premium for single pay |
4 |
No Claim Rewards If no claims made during first 2 policy years |
1% discount on 2nd & 3rd year renewal premium if no claim is made in 1st & 2nd policy years respectively |
5(a) |
Digital Discount If purchased online |
10% on first year premium for regular/limited pay 1% on premium for single pay
|
5(b) |
Staff Discount Eligible for all employees of the Promoter group namely the Tata and the AIA Group, its subsidiaries, fellow subsidiaries, and Joint ventures (includes TATA AIA Life amongst others), and their associates |
10% on first year premium for regular/limited pay 1% on premium for single pay |
5(c) |
Existing Customer Discount For those who have already purchased policy from TATA AIA |
10% on first year premium for regular/limited pay 1% on premium for single pay |
5(d) |
Worksite Discount For policies sourced through campaigns/ stalls / help desks or similar engagement activities conducted for a group. |
10% on first year premium for regular/limited pay 1% on premium for single pay |
6 |
Tata AIA Vitality* Discount If enrolled for the wellness program offered by TATA AIA Life insurance company |
10% upfront discount and Flex discount Annually~ ~depends on health condition |
What Are Riders?
Riders^ are optional add-on covers that enhances your insurance coverage by providing extended financial support during a specific event during the policy term. For example, a critical illness cover provides the insured amount if the policyholder is diagnosed with any of the covered critical illnesses subject to the stated terms and conditions. And the insured amount can be used to pay for the treatment expenses.
Riders are available with an additional premium and are undoubtedly worth the investment. Every rider covers a set of specific risks and provides the insured amount in addition to the base plan.
What Are Riders?
Riders^ are optional add-on covers that enhances your insurance coverage by providing extended financial support during a specific event during the policy term. For example, a critical illness cover provides the insured amount if the policyholder is diagnosed with any of the covered critical illnesses subject to the stated terms and conditions. And the insured amount can be used to pay for the treatment expenses.
Riders are available with an additional premium and are undoubtedly worth the investment. Every rider covers a set of specific risks and provides the insured amount in addition to the base life insurance benefit.
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Benefits Of Adding Riders to Life Insurance Plans
Additional Financial Coverage
Adding riders^ to base plan will cover specific risks and provide additional financial benefits in the event of any unfortunate events.
Affordable
Compared to purchasing a separate product for managing emergencies or specific events in life, purchasing a rider by paying an additional premium is considered as an affordable option.
Flexibility
As the add-on riders are optional, you can purchase them based on your requirements considering the risks that you feel must be covered based on your lifestyle and family medical history. Moreover, you can determine the fixed benefits that you might feel is needed during your toughest times. Truly giving you an experience of making your own plan.
Convenience
Adding riders to base plan is convenient. You can add it online at the time of purchase and pay the applicable premium together instead of managing to pay for the coverage separately.
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Your Claim Settlement is Our Priority
We provide our customers with quick and hassle-free settlements through our effective Cashless and Reimbursement claims process. Click the link below to Know More.
Frequently Asked Questions
Are surgery expenses covered under Tata AIA Sampoorna Health?
Yes, Tata AIA Sampoorna Health covers a wide range of surgeries related to the different organs in the body and provides a fixed benefit payout on occurrence of the event. In addition, the rider provides coverage for unlimited Day Care surgeries like cataracts, dental treatment, etc.
What is the advantage of adding a rider that provides the critical illness benefit?
An advantage of additional financial support if the policyholder gets diagnosed with a critical illness.
Are dental surgeries and eye cataract operation expenses covered under TATA AIA Sampoorna Health Rider?
Yes, TATA AIA Sampoorna Health Rider provides payouts for dental surgeries and eye cataract operation under day care procedures category.
Are the expenses related to Cancer Chemotherapy and Radiotherapy for Cancer covered under TATA AIA Sampoorna Health plan?
Yes, the Cancer Chemotherapy and Radiotherapy for Cancer expenses are covered under TATA AIA Sampoorna Health plan under Day Care procedures.
Who should purchase TATA AIA Sampoorna Health Rider?
Considering the changing lifestyle conditions and the increasing medical expenses, it is important for every individual to have financial coverage for health-related expenses. And it is highly crucial for individuals having pre-existing diseases and a family history of diseases such as cancer. It can help them cover the medical expenses for wide-ranging diseases, critical illnesses, surgeries, and Day Care procedures.
Are the hospitalization expenses covered if I am admitted into the ICU (Intensive Care Unit)?
Yes, TATA AIA Sampoorna Health Rider provides a fixed amount of cash daily as a hospitalisation benefit for 24 hours or more, ranging from Rs. 500/- to Rs. 40,000/- as decided by you. And the benefit is doubled in case of ICU admission.
What is the Tata AIA Vitality Program?
The Tata AIA Vitality Program is a holistic wellness program that empowers and rewards customers based on its personalised approach to guiding them in their wellness routine to help them lead healthier and happier lifestyles. Customers can avail of regular health check-ups and resort to wellness activities, ensuring a healthy body condition. In addition, it provides upfront and renewal discounts# on their rider premium amount.
How can I access the Tata AIA Vitality Program benefits?
The Tata AIA Vitality Program benefits are accessible through a user-friendly mobile application. It has three sections:
Know Your Health - Helps assess current health and wellness conditions.
Improve Your Health - Provides weekly activities and challenges to improve physical, mental, and social well-being.
Get rewarded - Offers rewards on premiums in the form of discounts# on rider premium upon reaching certain specific milestones related to wellness.
How many family members can be added under Sampoorna Health rider?
You can add your spouse and up to 3 children under Sampoorna health rider.
Disclaimer
- ^Riders are not mandatory and are available for a nominal extra cost. For more details on the benefits covered, rider charges and exclusions under the Riders please refer to the Rider Brochure or contact our Insurance Advisor/ Intermediary or visit our nearest Branch Office.
*Tata AIA Vitality - A Wellness Program that offers you an upfront discount at policy inception. You can also earn premium discount / cover booster (as applicable) for subsequent years on policy anniversary basis your Vitality Status (tracked on Vitality app) Please refer rider brochures for additional details on health and wellness benefits.
Vitality is a trademark licensed to Tata AIA Life by Amplify Health Assets PTE. Limited, a joint venture between Vitality Group International, INC. and AIA Company Limited. The assessment under the wellness program (Tata AIA Vitality) shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
#On enrolling into the wellness Program, you get an upfront discount of 10% on first year premiums. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the upfront rewards and annual rewards together shall be 30% for all other benefit options. Discount is driven by accumulated points which is achieved through wellness status. Please refer policy document for more details.
This Rider is underwritten by Tata AIA Life Insurance Company Ltd. This Rider is not a guaranteed issuance Rider, and it will be subject to Company's underwriting and acceptance.
This rider is currently available with TATA AIA Smart Health – A Linked, Non-Participating, Individual Health Insurance Plan (UIN: 110L168V02)
All Premiums are subject to applicable taxes, cesses & levies which will entirely be borne by the Policyholder and will always be paid by the Policyholder along with the payment of Premium. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder. Alternatively, Tata AIA Life Insurance Company Limited has the right to deduct the amount from the benefits payable by Us under the Policy.
Insurance cover is available under this product.
For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
Risk cover commences along with policy commencement for all lives, including minor lives.
Buying a Health Insurance Policy is a long-term commitment. An early termination of the Policy usually involves high costs, and the Surrender Value payable may be less than the all the Premiums Paid.
In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
Discount on policy will be subject to sales literature and policy contract.
Coverage for minor lives and under family floater is subject to Underwriting.
- L&C/Advt/2023/Dec/4291
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