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Tata AIA

Health Booster

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 Health Booster

The Tata AIA Health Booster provides fixed benefit payouts as chosen by you for all your health requirements regardless of hospital medical bills. The rider covers 57 critical illnesses providing multistage protection, unlimited Day Care procedures, and surgeries.

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 Health Booster

The Tata AIA Health Booster provides several benefits that can be useful at different stages of medical treatment. Here is a detail explaining the benefits.

SurgiCash

Provides fixed payouts on undergoing any of the surgeries covered under the product. In addition, the rider^ provides payouts for unlimited Day Care surgeries such as cataracts, dental treatment, etc.,
HospiCash

Provides fixed amount of cash per day ranging from Rs. 500/- to Rs. 20,000/- as chosen by you.
ICU Benefit

Provides double benefit (2x) of hospicash per day payout in case of ICU hospitalization.
Recuperation Benefit

Extra 5% of Hospicash sum assured in case of continuous hospitalization for at least 7 days.
CritiCash

Provides payout on diagnosing any of the 57 critical illnesses covered under the policy. The multistage payouts cover Minor, Major, and Catastrophic conditions.
Ambulance Benefit

Provides fixed payouts for the ambulance cost incurred for getting transferred to the hospital in an emergency.
Covers Pre-existing Diseases

Pre-existing diseases and their treatment costs are covered under this rider after 48 months.
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 Health Booster will enhance the financial coverage based on the following add-on benefits:

Family Cover

Provides the flexibility to cover family members under the same policy.
Child Care

Provides financial protection against 20 juvenile critical illnesses for your precious little ones.
Waiver of Premiums

Premium waiver benefit for 3 years on undergoing any major surgery or the diagnosis of a major critical illness.
Indexation Benefit

Provides the flexibility to increase the SurgiCash & CritiCash sum assured by 5% during every policy anniversary starting from the second policy year.
Monthly Income Benefit

Provides 1% of the payable CritiCash Sum Assured on the diagnosis of a major or catastrophic illness condition for the next 36 months.
Return of Balance Premium on Maturity

Provides the option to receive total premiums paid less the claim amount already paid at maturity.
Restoration Benefit

On exhaustion of annual limits, get your HospiCash and SurgiCash Sum Assured restored automatically for further claims.
Diagnostic Test Benefit

Additional 5% of claim amount is payable towards Diagnostic Tests and Procedures.
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 of exclusive discounts on your premium. Here is a detailed list of the applicable discounts.

Sr. No.

Name

Discount

Smart Lady Discount

For Female & Girl Child

2% on first year premium for regular/limited pay

0.5% on premium for single pay

Transgender Discount

For transgender

2% on first year premium for regular/limited pay

0.5% on premium for single pay

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

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 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

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 life insurance benefit.

What Are Riders?

Benefits Of Adding Riders to Life Insurance Plans
Additional Financial Coverage

Adding riders^{^} to life insurance plans will cover specific risks and provide additional financial benefits in the event of any unfortunate events. It is over and above the basic life insurance plan death payout.

Affordable

Compared to purchasing a separate product for managing emergencies or specific events in life, purchasing a rider is 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 life insurance plans is convenient. You can add it to your life insurance plan online at the time of purchase and pay the applicable premium together instead of managing to pay for the coverage separately.

133 Listed Surgeries Across All Critical Organs

Organ System	Surgery/Procedure		Payout %
Operation on Blood Vessels	1	Surgery of the Aorta	100
	2	Proximal Aortic Aneurysmal repair by coronary artery transplantation	100
	3	Repair of Cerebral or Spinal Arterio- Venous Malformations or aneurysms	100
	4	Surgery of Carotid Artery	50
	5	Major vein repair with or without grafting for traumatic & non traumatic lesions	50
Operations on neck, pharynx, larynx and trachea	6	Partial Pharyngectomy	50
	7	Total Pharyngectomy	75
	8	Total Laryngectomy	75
	9	Wide excision and Major reconstruction of malignant Oro-pharyngeal tumours	75
	10	Tracheal reconstruction for various lesion	50
Operation on the bones, muscles, and joints	11	Replantation of upper limb	75
	12	Replantation of lower limb	75
	13	Entrapment syndrome- decompression surgery	50
	14	Total hip replacement (With Cement)	50
	15	Total hip replacement (Without Cement)	50
	16	Total hip replacement- Others	50
	17	Total Knee replacement (With Cement)	50
	18	Total Knee replacement (With Cement)	50
	19	Total Knee replacement- Others	50
	20	Total prosthetic replacement of other joint using cement	50
	21	Total prosthetic replacement of other joint not using cement	50
	22	Other total prosthetic replacement of other joint	50
	23	Prosthetic replacement of head of femur using cement	50
	24	Prosthetic replacement of head of femur not using cement	50
	25	Other prosthetic replacement of head of femur	50
	26	Prosthetic replacement of head of humerus using cement	50
	27	Prosthetic replacement of head of humerus not using cement	50
	28	Other prosthetic replacement of head of humerus	50
	29	Prosthetic replacement/articulation/other bone using cement	50
	30	Prosthetic replacement/articulation/other bone not using cement	50
	31	Other prosthetic replacement of articulation of other bone	50
	32	Prosthetic interposition reconstruction of joint	50
	33	Other interposition reconstruction of joint	50
	34	Excision reconstruction of joint	50
	35	Other reconstruction of joint	50
	36	Implantation of prosthesis for limb	50
	37	Amputation of hand	25
	38	Amputation of foot	25
	39	Therapeutic knee Arthroscopy	25
	40	Replantation of finger following traumatic amputation	25
	41	Surgical Drainage and Curettage for osteomyelitis	25
Operations on the breast	42	Radical Mastectomy	75
Operations on the breast	43	Simple Mastectomy	25
Operations on the ear	44	Total ear amputation with reconstruction	75
	45	Trans mastoid removal cholesteatoma with extended Mastoidectomy	75
	46	Labyrinthectomy for various lesions	50
Operations on the eyes	47	Orbit Tumour Exenteration /Flap reconstruction	50
	48	Corneal or Retinal Repair for Traumatic eye injuries	25
	49	Penetrating injuries of the eye or repair of ruptured globe	25
Operations on the face	50	Major reconstructive oral-maxillofacial surgery due to trauma or burns and not for cosmetic purpose	75
	51	Osteotomy including segmental resection with bone grafting for Mandibular and maxillary lesions	75
	52	Elevation, Exploration and Fixation of fractured Zygoma	50
Operations on the Gastrointestinal organs	53	Excision of oesophagus and stomach	100
	54	Abdominal-Perineal Pull Through Resection of rectum with Colo-Anal Anastomosis	100
	55	Total Esophagectomy	75
	56	Total Gastrectomy	75
	57	Partial Resection of Liver	75
	58	Partial Pancreatectomy	75
	59	Resection and Anastomosis of any part of digestive tract	50
	60	Open Surgery for treatment of Peptic Ulcer	50
	61	Cholecystectomy /Choledochotomy for various Gall bladder lesions	50
	62	Artificial opening into stomach	25
	63	TIPS procedure for portal Hypertension	25
	64	Hysterectomy for malignant conditions	75
	65	Radical prostate vesiculectomy	75
	66	Penile replantation for post traumatic amputation	75
	67	Penile Amputation repair	50
	68	Excision of vagina	50
	69	Unilateral or Bilateral excision of adnexa of uterus	50
	70	Unilateral or Bilateral excision of testes	25
	71	Other operations on Scrotum and tunica vaginalis testis	25
	72	Reconstruction of the testis	25
	73	Open surgical excision and destruction of prostate tissue	25
	74	Extirpation of lesion of vulva	25
	75	Excision of vulva	25
Operations on the heart	76	CABG (two or more coronary arteries) via open thoracotomy	100
	77	Prosthetic replacement of Heart Valve	100
	78	Coronary Angioplasty with Stent implantation	75
	79	Pericardiotomy / Pericardiectomy	75
	80	Implantation of Cardioverter Defibrillator	75
	81	Permanent pacemaker Implantation in heart	75
	82	Mitral valve repair	75
	83	Aortic valve repair	75
	84	Tricuspid valve repair	75
	85	Pulmonary valve repair	75
Operations on the Kidney, ureter and bladder	86	Total nephrectomy (Not as transplant donor)	50
	87	Partial Nephrectomy	50
	88	Open extirpation of lesion of kidney	50
	89	Excision of ureter	50
	90	Total excision of bladder	50
	91	Kidney injury repair	50
	92	Pyeloplasty / Ureterocalicostomy for pelvic ureteric junction obstruction	50
	93	Partial excision of bladder	25
	94	Therapeutic ureteroscopy operations on ureter	25
	95	Urinary diversion	25
	96	Replantation of ureter	25
Operations on the lung and bronchus	97	Pneumonectomy	75
	98	Open Lobectomy of Lung	75
	99	Partial Extirpation of Bronchus	75
	100	Pleurectomy or Pleural decortication	50
	101	Major Nasal Reconstruction due to Traumatic lesions	75
	102	Total Glossectomy	50
	103	Operations on frontal sinus	50
	104	Oral Leukoplakia- Wide excision	25
	105	Operations on maxillary antrum using sublabial approach	25
Operations on the skull, brain and meninges	106	Craniotomy for malignant Cerebral tumours	100
	107	Craniotomy for non-malignant space occupying lesions	75
	108	Operations on Subarachnoid space of brain	75
	109	Craniotomy- Surgery on meninges of Brain	75
	110	Other operations on the meninges of the Brain	75
	111	Micro vascular decompression of cranial nerves/neurectomy	75
	112	Craniotomy for Drainage of Extradural, subdural or intracerebral space	50
	113	Therapeutic Burr Hole on skull- Drainage of Extra-Dural, intra-Dural or intracerebral space	25
Operations on the spine and nerves	114	Unilateral or Bilateral sympathectomy	50
	115	Peripheral nerve Graft	50
	116	Free Fascia Graft for Facial Nerve Paralysis	50
	117	Excision of deep-seated peripheral nerve tumour	50
	118	Multiple Microsurgical Repair of digital nerve	50
	119	Fracture fixation- Spine	50
Operations on the Thoracic cavity	120	Diaphragmatic/Hiatus Hernia Repair	75
	121	Thoracoplasty	75
	122	Open excision of benign mediastinal lesions	75
	123	Excision of Diaphragmatic tumours	75
Operations on the Thyroid, Parathyroid, and other endocrine glands	124	Pineal Gland excision	100
	125	Pituitary Gland excision	100
	126	Complete excision of adrenal glands	75
	127	Total thyroidectomy	75
	128	Complete excision of Parathyroid gland	75
	129	Partial excision of adrenal glands	50
	130	Subtotal/Partial Thyroidectomy	50
	131	Partial excision of Parathyroid gland
Other operations	132	Major Excision and grafting of Lymphedema	75
Other operations	133	Splenectomy	75

Unlimited Non-Listed Surgeries

A fixed payout will be provided for any surgery meeting the surgical definition, requiring 24 hours of hospitalisation.

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	Conization 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 prostate vesiculectomy
	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

List Of Juvenile CI Covered Under Child Care Benefit

Sr. No	Conditions	Sr. No	Conditions
1	Leukaemia	11	Osteogenesis Imperfecta Type III
2	Aplastic Anaemia	12	Viral Encephalitis
3	Bone Marrow Transplant	13	Still Disease (including Severe Juvenile Rheumatoid Arthritis)
4	Acquired Brain Damage	14	Kawasaki Disease with Heart Complications
5	Loss of Speech	15	Rheumatic Fever with Valvular Involvement
6	Glomerulonephritis	16	Type I Juvenile Spinal Amyotrophy
7	Deafness	17	Wilson’s Disease
8	Blindness	18	Juvenile Huntington Disease
9	Third Degree Burns	19	Marble Bone Disease (Osteopetrosis)
10	Tuberculosis Meningitis	20	Severe Asthma

Downloads

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Download annexure

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TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in.

Frequently Asked Questions

Are surgery expenses covered under the Tata AIA Health Booster?

Yes, the Tata AIA Health Booster covers a wide range of surgeries related to the different organs in the body. It provides fixed payouts for undergoing any of the mentioned surgeries. In addition, the rider provides coverage for unlimited Day Care surgeries like cataracts, dental treatment, etc.
What are the advantages of adding a rider that provides the critical illness benefit?
The advantages of purchasing the critical illness rider^{^} benefit are:
1. Additional financial support if the policyholder gets diagnosed with a critical illness.
2. Flexible premium payment options such as regular pay, limited premium payment, etc.,
3. Flexible payout options such as lump sum, monthly income benefit, etc.,
4. Option to purchase the rider benefit online by comparing the relative cost and the applicable benefits.
Are dental surgeries and eye cataract operation expenses covered under the Health Booster Rider?

Yes, the Health Booster Rider provides payouts for dental surgeries and eye cataract operation under day care procedures category.
What is the waiver of premiums add-on benefit for the Health Booster plan?

The waiver of premiums benefits waivers the premium payment for 3 years on the diagnosis of a major critical illness or undergoing any major surgeries.
Are the expenses related to Cancer Chemotherapy and Radiotherapy for Cancer covered under the Health Booster plan?

Yes, the Cancer Chemotherapy and Radiotherapy for Cancer expenses can be covered under the Health Booster plan considering the Day Care procedures.
Who should purchase the Health Booster 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 hosptialisation expenses covered if I am admitted into the ICU (Intensive Care Unit)?

Yes, the Health Booster Rider provides a fixed amount of cash daily as a hospitalisation benefit for 24 hours or more, ranging from Rs. 500/- to Rs. 20,000/- as decided by you. And the benefit is doubled if the admission is made to the ICU.
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:
1. Know Your Health - Helps assess current health and wellness conditions.
2. Improve Your Health - Provides weekly activities and challenges to improve physical, mental, and social well-being.
3. Get rewarded - Offers rewards on premiums in the form of discounts^# on rider premium upon reaching certain specific milestones related to wellness.

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 of the HospiCash, SurgiCash and CritiCash benefit options. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the upfront rewards and annual rewards _ex 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.
- 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.