Tata AIA Pro Fit

In this policy, the investment risk in investment portfolio is borne by the policyholder.

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"Tata AIA Pro-Fit comprises of Tata AIA Smart Health, A Unit-linked, Non-participating, Individual Health Insurance Plan (UIN: 110L168V02), Tata AIA Sampoorna Health, A Non-Linked, Non-Participating Individual Health rider (UIN: 110A167V02) & TATA AIA OPD Care, A Linked, Non-Participating Individual Health rider (UIN: 110A166V01). Tata AIA Smart Health is also available for sale individually."

Key Features of Tata AIA Pro-Fit

Tata AIA Pro-Fit provides financial protection to you and your family members during health emergencies without compromising on your family’s long-term goals like dream home, education, marriage, retirement etc. You get the benefit of Unit-Linked Insurance Plan that helps you grow your health savings through marked-linked^~ returns and prepare you for any medical exigencies.

Why Choose Tata AIA Pro-Fit?

Get Fixed Payouts with no Deductibles

Get Coverage for Unlimited Day Care Procedures and Surgeries

Fixed Hospital Cash payout on hospitalization of 24 hours or longer and double the payout in case of ICU admission.

Get coverage for 57 critical illnesses with multistage critical illness protection.

Flexibility to use the money in your health savings fund to pay for your regular medical expenses post lock-in period of 5 years.

Get OPD services like consultations, pharmacy, diagnostics, and nutrition management etc.

Option to choose between cashless or reimbursement claim process.

Enrol in Tata AIA Vitality¹ wellness program to live a healthier lifestyle and get discount^% on rider premium amount.

Benefits of Tata AIA Pro-Fit

ATPD Benefit

In the event of a total and permanent disability caused by an accident, you will receive a lump-sum benefit payout.
Death Benefit

Give your family the financial protection for the time when you are not around. Lumpsum payout shall be made towards the nominee.
SurgiCash Benefit

Get fixed payouts for any listed 133 surgeries, unlimited unlisted surgeries andday-care procedures.
HospiCash Benefit

Receive daily fixed benefit between ₹500/- to ₹20,000/- on hospitalisation for 24 hours or more.

Double the benefit in case of ICU admission.

Recuperation benefit of 5% of annual sum assured for continuous hospitalization of 7 days or more.
CritiCash Benefit

Provides payout on diagnosing of any of the 57 critical illnesses covered. The multistage benefit covers minor, major, and catastrophic conditions.
Health Fund

Use your fund value after 5 years lock-in period to pay for regular medical expenses such as medicine bills, doctor visit fee etc.
Choice of Whole Life Cover

The whole life cover under the plan protects you until you reach 100 years of age.
Tax Benefit

Enjoy tax^~~ benefits on the policy premiums paid under the relevant sections of the Income Tax Act as per prevailing tax guidelines.

Exclusive Discounts on Your Premium with Tata AIA Pro-Fit:

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 0.50% extra allocation to the fund value on first year premium for women life assured.
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 2^nd & 3^rd year renewal premium if no claim is made in 1^st & 2^nd 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 Vitality¹ Discount If enrolled for the wellness program offered by TATA AIA Life insurance company	10% upfront discount and Flex discount on rider premium annually^%depends on health condition
7	Auto Debit Discount Payments made through any electronic mode through an auto debit mandate for 1st-year instalment	Additional unit is allocated to the fund. (Maximum of ₹10/- per month & ₹120/- per year)
8	Return of Mortality Charges	Starting from 11^th Policy Year, the mortality charge deducted in 120^th month prior added to fund value in the form of addition of units.
9	Return of Premium Allocation Charges	Starting from 11^th Policy Year, the allocation charge deducted in 120^th month prior added to fund value in the form of addition of units.

Unlimited Non-Listed Surgeries

If there is a medical surgery that is as per the definition of a surgical procedure and requires 24 hours of hospitalisation, then a fixed payout will be offered.

Unlimited Day Care Surgeries

Day Care Procedures
Microsurgical operations on the middle ear	1	Stapedectomy
	2	Revision of a stapedectomy
	3	Other operations on the auditory ossicles
	4	Myringoplasty (Type -I Tympanoplasty)
	5	Tympanoplasty (closure of an eardrum perforation/reconstruction of the auditory ossicles)
	6	Revision of a tympanoplasty
	7	Other microsurgical operations on the middle ear
	8	Myringotomy
	9	Removal of a tympanic drain
	10	Incision of the mastoid process and middle ear
	11	Mastoidectomy
	12	Reconstruction of the middle ear
	13	Other excisions of the middle and inner ear
	14	Fenestration of the inner ear
	15	Revision of a fenestration of the inner ear
	16	Incision (opening) and destruction (elimination) of the inner ear
	17	Other operations on the middle and inner ear
Operations on the nose & the nasal sinuses	18	Excision and destruction of diseased tissue of the nose
	19	Operations on the turbinate (nasal concha)
	20	Other operations on the nose
	21	Nasal sinus aspiration
Operations on the eyes	22	Incision of tear glands
	23	Other operations on the tear ducts
	24	Incision of diseased eyelids
	25	Excision and destruction of diseased tissue of the eyelid
	26	Incision of diseased eyelids
	27	Operations on the canthus and epicanthus
	28	Corrective surgery for entropion and ectropion
	29	Corrective surgery for blepharoptosis
	30	Removal of a foreign body from the conjunctiva
	31	Removal of a foreign body from the cornea
	32	Incision of the cornea
	33	Operations for pterygium
	34	Other operations on the cornea
	35	Removal of a foreign body from the lens of the eye
	36	Removal of a foreign body from the posterior chamber of the eye
	37	Removal of a foreign body from the orbit and eyeball
	38	Operation of cataract
Operations on the skin & subcutaneous tissues	39	Incision of a pilonidal sinus
	40	Other incisions of the skin and subcutaneous tissues
	41	Surgical wound toilet (wound debridement) and removal of diseased tissue of the skin and subcutaneous tissues
	42	Local excision of diseased tissue of the skin and subcutaneous tissues
	43	Other excisions of the skin and subcutaneous tissues
	44	Simple restoration of surface continuity of the skin and subcutaneous tissues
	45	Free skin transplantation, donor site
	46	Free skin transplantation, recipient site
	47	Revision of skin plasty
	48	Other restoration and reconstruction of the skin and subcutaneous tissues
	49	Chemosurgery to the skin
	50	Destruction of diseased tissue in the skin and subcutaneous tissues
Operations on the tongue	51	Incision, excision, and destruction of diseased tissue of the tongue
	52	Partial glossectomy
	53	Glossectomy
	54	Reconstruction of the tongue
	55	Other operations on the tongue
Operations on the salivary glands & salivary ducts	56	Incision and lancing of a salivary gland and a salivary duct
	57	Excision of diseased tissue of a salivary gland and a salivary duct
	58	Resection of a salivary gland
	59	Reconstruction of a salivary gland and a salivary duct
	60	Other operations on the salivary glands and salivary ducts
Other operations on the mouth & face	61	External incision and drainage in the region of the mouth, jaw, and face
	62	Incision of the hard and soft palate
	63	Excision and destruction of diseased hard and soft palate
	64	Incision, excision, and destruction in the mouth
	65	Plastic surgery to the floor of the mouth
	66	Other operations in the mouth
Operations on the tonsils & adenoids	67	Transoral incision and drainage of a pharyngeal abscess
	68	Tonsillectomy without adenoidectomy
	69	Tonsillectomy with adenoidectomy
	70	Excision and destruction of a lingual tonsil
	71	Other operations on the tonsils and adenoids
	72	Trauma surgery and orthopaedics
	73	Incision on bone, septic and aseptic
	74	Closed reduction on fracture, luxation or epiphyseolysis with osteosynthesis
	75	Suture and other operations on tendons and tendon sheath
	76	Reduction of dislocation under GA
	77	Arthroscopic knee aspiration
Operations on the breast	78	Incision of the breast
Operations on the breast	79	Operations on the nipple
Operations on the digestive tract	80	Incision and excision of tissue in the perianal region
	81	Surgical treatment of anal fistulas
	82	Surgical treatment of haemorrhoids
	83	Division of the anal sphincter (sphincterotomy)
	84	Other operations on the anus
	85	Ultrasound guided aspirations
	86	Sclerotherapy etc.
	87	Laparoscopic cholecystectomy
Operations on the female sexual organs	88	Incision of the ovary
	89	Insufflation of the Fallopian tubes
	90	Other operations on the Fallopian tube
	91	Dilatation of the cervical canal
	92	Conisation of the uterine cervix
	93	Other operations on the uterine cervix
	94	Incision of the uterus (hysterotomy)
	95	Therapeutic curettage
	96	Culdotomy
	97	Incision of the vagina
	98	Local excision and destruction of diseased tissue of the vagina and the pouch of Douglas
	99	Incision of the vulva
	100	Operations on Bartholin’s glands (cyst)
Operations on the prostate & seminal vesicles	101	Incision of the prostate
	102	Transurethral excision and destruction of prostate tissue
	103	Transurethral and percutaneous destruction of prostate tissue
	104	Open surgical excision and destruction of prostate tissue
	105	Radical prostatevesiculectomy
	106	Other excision and destruction of prostate tissue
	107	Operations on the seminal vesicles
	108	Incision and excision of periprostatic tissue
	109	Other operations on the prostate
Operations on the scrotum & tunica vaginalis testis	110	Incision of the scrotum and tunica vaginalis testis
	111	Operation on a testicular hydrocele
	112	Excision and destruction of diseased scrotal tissue
	113	Plastic reconstruction of the scrotum and tunica vaginalis testis
	114	Other operations on the scrotum and tunica vaginalis testis
Operations on the testes	115	Incision of the testes
	116	Excision and destruction of diseased tissue of the testes
	117	Reconstruction of the testis
	118	Implantation, exchange, and removal of a testicular prosthesis
	119	Other operations on the penis
Operations on the spermatic cord, epididymis, and ductus deferens	120	Surgical treatment of a varicocele and a hydrocele of the spermatic cord
	121	Excision in the area of the epididymis
	122	Epididymectomy
	123	Reconstruction of the spermatic cord
	124	Reconstruction of the ductus deferens and epididymis
	125	Other operations on the spermatic cord, epididymis, and ductus deferens
Operations on the penis	126	Operations on the foreskin
	127	Local excision and destruction of diseased tissue of the penis
	128	Amputation of the penis
	129	Plastic reconstruction of the penis
	130	Other operations on the penis
Operations on the urinary system	131	Cystoscopic removal of stones
Other Operations	132	Lithotripsy
	133	Coronary angiography
	134	Haemodialysis
	135	Radiotherapy for Cancer
	136	Cancer Chemotherapy

List Of Illnesses Covered Under CritiCash

Sr. No	Conditions	Sr. No	Conditions
Major Critical Illnesses - 100% of Sum Assured (less any minor claims paid already)
1	Cancer of Specified Severity	18	End Stage Lung Failure
2	Cardiomyopathy	19	Kidney Failure requiring Regular Dialysis
3	Chronic Adrenal Insufficiency (Addison's Disease)	20	Loss of Independent Existence (Cover up to Age 74)
4	Aorta Graft Surgery	21	Loss of limbs
5	Myocardial Infarction (First Heart Attack of specified severity)	22	Major Head Trauma
6	Open Chest CABG (Coronary Artery Bypass Graft)	23	Motor Neuron Disease with Permanent Symptoms
7	Open Heart Replacement or Repair of Heart Valves	24	Multiple Sclerosis with Persisting Symptoms
8	Primary (Idiopathic) Pulmonary Hypertension	25	Muscular Dystrophy
9	Stroke resulting into permanent symptoms	26	Parkinson's Disease
10	Alzheimer's Disease	27	Permanent Paralysis of Limbs
11	Apallic Syndrome	28	Poliomyelitis
12	Aplastic Anaemia	29	Progressive Scleroderma
13	Blindness	30	Systemic Lupus Erythematosus with Lupus Nephritis
14	Chronic Relapsing Pancreatitis	31	Third Degree Burns
15	Coma of Specified Severity	32	Eisenmenger's Syndrome
16	Creutzfeldt-Jacob disease	33	Myelofibrosis
17	End Stage Liver Failure
Minor Critical Illnesses (25% of Sum Assured less any minor claims paid already)
34	Cardiac Arrest requiring permanent Cardiac Pacemaker or ICD insertion	45	Carcinoma-in-Situ
35	Angioplasty	46	Necrotizing Fasciitis
36	Benign Brain Tumour	47	Severe Rheumatoid Arthritis
37	Fulminant Viral Hepatitis	48	Pneumonectomy
38	Severe Osteoporosis	49	Bacterial Meningitis
39	Small Bowel Transplant	50	Encephalitis
40	Intestinal Gangrene requiring surgery	51	Deafness
41	Surgical removal of one kidney	52	Loss of Speech
42	Percutaneous Transluminal Balloon Valvuloplasty or Valvotomy	53	Medullary Cystic Disease
43	Severe Ulcerative Colitis	54	Amputation of Feet Due to Complications from Diabetes
44	Specified Early-stage Cancer	55	Cirrhosis of Liver
Catastrophic Critical Illnesses (150% of Sum Assured less any minor claims paid already)
56	End Stage Cancer	57	Major Organ/Bone Marrow transplant

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Policy Document

Disclaimer
- Tata AIA Pro-Fit comprises of Tata AIA Smart Health, A Unit-linked, Non-participating, Individual Health Insurance Plan (UIN: 110L168V02), Tata AIA Sampoorna Health, A Non-Linked, Non- Participating Individual Health rider (UIN: 110A167V01) & TATA AIA OPD Care, A Linked, Non-Participating, Individual Health Rider (UIN: 110A166V01).
- ^$All funds open for new business which have completed 5 years since inception are rated 4 or 5 stars by Morningstar on a 5-year basis as of Mar’2023
- ^~Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations.
- ^#The primary life assured will be entitled to Health care benefit incurred by him/her towards the health-related expenditure for self and family. Health care benefit is allowed any time after five policy anniversaries from the date of issuance of the policy from Regular Premium Fund Value and date of acceptance of Top-Up Premium Fund Value: if applicable.
- ^*Tata AIA Vitality - A Wellness Program that offers you an upfront discount on rider premium at policy inception. You can also earn rider 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.
- The assessment under the wellness program 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 of Sampoorna Health rider. 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.
- 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 shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
- Rider is not mandatory and is available for a nominal extra cost. For more details on benefits, premiums, and exclusions under the Rider, please contact Tata AIA Life's Insurance Advisor/ branch.
- ^~~Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
- Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/ withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year.
- Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Smart Health is only the name of the Unit Linked health Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
- The fund is managed by Tata AIA Life Insurance Company Ltd.
- For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
- Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
- All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
- Please make your own independent decision after consulting your financial or other professional advisor.
- Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
- Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.
- The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
- Premium paid in the Unit Linked Life Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the Insured is responsible for his/her decisions.
- Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the Insurance Company.
- Insurance cover is available under the product.
- The products are underwritten by Tata AIA Life Insurance Company Ltd.
- The plans are not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
- For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
- 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.
- Auto debit discount is applicable for Payments made through any electronic mode through an auto debit mandate for 1st-year instalment.
- List of day care surgeries mentioned are illustrative in nature. Any surgery that falls under the day care surgery category is eligible for payout.
- 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.
- Discount on policy will be subject to sales literature and policy contract.
- ^!Return of mortality charges, return of premium allocation charges, auto debit discount & extra allocation under smart lady are applicable to TATA AIA Smart Health only. Smart Lady, Super 30, Transgender, Digital, Staff, Existing Customer, Worksite discounts are applicable to TATA AIA Sampoorna Health rider premium only.
- L&C/Advt/2023/Oct/3326

Tata AIA Life Insurance Company Ltd. (IRDA Regn. No. 110 ·CIN:U66010MH2000PLC128403. Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai 400013. Trade logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. and is used by Tata AIA Life Insurance Company Ltd under a license. For any information including cancellation, claims and complaints, please contact our Insurance Advisor/Intermediary or visit Tata AIA Life's nearest branch office or call 1-860-266-9966 or write to us at customercare@tataaia.com. Visit us at www.tataaia.com

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS

IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

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Key Features of Tata AIA Pro-Fit

Why Choose Tata AIA Pro-Fit?

Benefits of Tata AIA Pro-Fit

ATPD Benefit

Death Benefit

SurgiCash Benefit

HospiCash Benefit

CritiCash Benefit

Health Fund

Choice of Whole Life Cover

Tax Benefit

Exclusive Discounts on Your Premium with Tata AIA Pro-Fit:

Unlimited Non-Listed Surgeries

Downloads Documents