Buy Combo Insurance Plan Online in India

Brand: Tata AIA Life Insurance
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How a Combo Insurance Plan Works?

A combo insurance plan comprises of two or more life insurance plans under a single solution.

With a combo insurance plan, you can choose the Premium Payment Term and the Policy Term as per your insurance/savings/investment objectives.
Such a policy offers multiple benefits - savings, investments, life insurance - in a single plan.
The payouts under the combo solutions may be made as a lumpsum or regular income or a combination of both. You may also be given an option to choose the payouts as a lumpsum or income. Such selection must be made at the beginning of the policy.
The policyholder enjoys the benefit of life insurance coverage throughout the policy term while paying premiums for a predefined and fewer number of years.
At the end of the policy term, as chosen by the policyholder, the policy enables a guaranteed^* return on the investment.
The policyholder can avail of the returns on the combo insurance plan as a lump sum amount.

Combo Insurance Plans from Tata AIA Life Insurance

Secure Insurance Solution

This advertisement is designed for combination of Benefits of two or more individual and separate products named (1) Tata AIA Life Insurance Smart Income Plus (Non-Linked, Non-Participating Individual Life Insurance Savings Plan) - UIN: 110N126V04 and (2) Tata AIA Life Insurance Wealth Maxima (Unit Linked Whole Life Individual Savings Plan) - UIN: 110L114V03 or Tata AIA Life Insurance Fortune Maxima (Non-Participating, Unit Linked, Whole Life Individual Savings Plan) - UIN: 110L113V04 or Tata AIA Life Insurance Wealth Pro (Unit Linked, Individual Life Insurance Savings Plan) - UIN: 110L111V03 or Tata AIA Life Insurance Fortune Pro (Unit Linked, Individual Life Insurance Savings Plan) UIN: 110L112V04.These products are also available for sale individually without the combination offered/ suggested. This Benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of the respective individual products mentioned herein before concluding the sale.

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

Pay premiums for a limited premium payment term and enjoy the life insurance coverage for the whole policy term.
Get market-linked returns^{^} with the benefit of the upside of investments made through the unit-linked insurance plan.
Enjoy guaranteed^* protection of all premiums paid.

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Capital Guarantee Solution

This advertisement is designed for combination of Benefits of two or more individual and separate products named (1) Tata AIA Life Insurance Smart Income Plus (A Non-Linked, Non-Participating, Individual Life Insurance Savings Plan) - 110N126V04; and (2) Tata AIA Life Insurance Fortune Pro (A Unit Linked, Individual Life Insurance Savings Plan) - 110L112V04; OR (3) Tata AIA Life Insurance Wealth Pro (A Unit Linked, Individual Life Insurance Savings Plan) - 110L111V03. These products are also available for sale individually without the combination offered/ suggested. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer to the detailed sales brochure of respective individual products mentioned herein before concluding the sale.

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

Your invested amount is always protected^~ with this policy
Grow your money with our top-rated funds^$ as rated by Morningstar^@
Power of customization and liquidity^%

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Reasons to Include Combo Plans in Your Portfolio

Be it your present needs or your future goals, a combo insurance plan ensures that you receive 360-degree support, be it to secure your life and that of your family’s, grow your savings fund or chalk out a lucrative investment plan! Here are some reasons why you should have a combo insurance plan in your portfolio:

Over a lifetime, your needs will keep changing, and getting new insurance plans for different life stages can be a hassle. A combo plan works well when it comes to covering life insurance, savings, and investment plans under a single policy!
Researching and looking for two or more plans that cover your insurance needs as well as your savings and investment goals is a time-consuming process. A combo insurance plan can save you a lot of time by providing a solution for each of your needs.
Premium payment for multiple policies may become a burden and difficult to manage. A single insurance solution that covers all your requirements is a more cost-effective solution in comparison.

How to Choose the Right Combo Plan for Your Needs?

Buying a combo plan can be a simple and hassle-free process with Tata AIA Life Insurance! These are some of the steps you can follow to secure yourself and all your goals with your choice of plan :

Visit the Tata AIA Life Insurance homepage to learn more about our combo plan offerings and their features.
If you need help selecting a plan, you can click on the plan and provide your name and phone number to receive a call back from us.
You can also calculate the premiums and maturity amount for our combo plans with the help of the insurance calculator.
You can start by filling in the investment amount, the plan option, premium payment term, mode of premium payment, etc.
Once that is complete, provide us with your name, email address, date of birth, phone number, and then click on “Proceed” to fill in the pin code, the city, and your nationality.
Based on the data you provide, you can find out the maturity value, the annual guaranteed^* income, and your life cover amount.

Frequently Asked Questions - Combo Plans

What is a combo insurance plan?

Combo insurance plans are life insurance solutions that combine the benefits of two or more policies so that multiple insurance needs, and the investment and savings goals of the policyholder can be met through a single policy.
How does a combo plan help?

A combo plan is helpful since it saves the policy buyer the trouble of buying various insurance plans for different needs. With a combo plan, you can save money for the future, make market-linked investments through the policy and also get life cover for yourself and your family.
Do I need a savings plan if I have a ULIP?

A savings plan and a Unit-Linked Insurance Plan are both different insurance products that serve different purposes. A policyholder may choose either one or both of them, but that depends on their savings or investment objectives.

Since savings plans offer guaranteed returns, people add them to their portfolio. If a savings plan fulfils your objective, you can have one, irrespective of whether you have a ULIP or not.
Is it better to have a combo plan instead of two insurance plans?

Yes, a combo plan is better than having two insurance plans in terms of its functionality and cost-effectiveness. Combo plans cover all the financial goals and life cover needs of an individual, depending on the choice of the plan as per one’s preference. A single combo plan is also easier to manage than two individual plans since the premiums are not paid separately, and you don’t need to remember separate policy dates.
When is the right time to buy a combo plan?

Once you are aware of your investment/insurance needs, you should check which plan will help fulfil it. If you are looking for a plan which provides multiple benefits like guaranteed savings, wealth creation through market-linked returns^{^} as well as life cover to secure your family’s future in a single plan, then you should buy a combo plan.
How can I choose and purchase a combo plan?

First, map your requirements and expectations from an insurance plan. You can visit the Tata AIA website and browse our plans to select the one that meets your needs.
How do I file a claim if I buy this plan?
If you want to file a claim, you can get in touch with us through the following channels:
- If you register your claim online, then click on (https://www.tataaia.com/customer-service/claim-registration.html) to upload your documents.
- Contact us on WhatsApp: Type CLAIM and send to 7045669966
- You can give us a call, and your documents will be picked up from your doorstep.
- Email us at customer.care@tataaia.com or call us on our helpline number - 1860-266-9966 / NRI Number: +91-80-67603700
- If you want to register your claim offline, look for our Tata AIA Life Insurance branch offices at https://www.tataaia.com/contact-us.html?contactUs-2 and visit us.
- You can also write to us at:
  
  The Claims Department,
  Tata AIA Life Insurance Company Limited
  B- Wing, 9th Floor,
  I-Think Techno Campus,
  Behind TCS, Pokhran Road No.2,
  Close to Eastern Express Highway,
  Thane (West) 400 607.
What documents are needed to complete the claims process?

You can click on this link https://www.tataaia.com/customer-service/easy-claims.html to know which documents are needed for a claim intimation.
How long does it take to settle a claim?

Settling a death claim does not take over 30 days, and at Tata AIA Life Insurance, we always try to ensure that your claims are settled at the earliest. However, if there are aspects of the claim that need to be investigated or re-examined, the claim process, along with the regulatory turnaround time, will be 90 days.

Disclaimers
- ^*Guaranteed Benefit is a % of the Annualised Premium or Total Premiums Paid based on the plan option selected. Please refer Brochure for more details.
- ^{^}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.
- ^~Get security on investment by having premium in the form of Regular Income or Lumpsum benefit through Tata AIA Life Insurance Smart Income Plus (UIN:110N126V04)
- ^$on a 5-year basis as of September 2022.
- ^@©2020 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India, and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar); (2) may not be copied, redistributed or used by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from the data published on various dates and procured from various sources and (5) shall not be construed as a n offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates, or agents shall be responsible or liable for any traducing decisions, damages or other losses resulting directly or indirectly from the information.
- ^%Liquidity through partial withdrawal from ULIP funds after completion of 5 years.
- This product is underwritten by Tata AIA Life Insurance Company Ltd.
- This plan is not a guaranteed issuance plan and it will be subject to Company’s underwriting and acceptance.
- Insurance cover is available under this product.
- 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, benefit exclusions, terms and conditions, please read the sales brochure carefully before concluding a sale
- For ULIP products
  
  IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. THE LINKED INSURANCE PRODUCT 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.
  
  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.
- L&C/Advt/2023/Mar/0854