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Tata AIA
Smart Health

Secure Your Health and Wealth with the new Tata AIA Smart Health: Your Ultimate Solution for Financial Security during Medical Emergencies!

In case of any accidental disability, get a one-time payment to help you deal with the financial impact.
Get Multistage Cancer cover, including cost of reconstructive breast surgery
Market linked^~ growth on your savings to deal with medical inflation

Plan Snapshot

Financial protection against
Accidental Total and Permanent Disability
Avail Health Care Benefit
to pay for medical expenses from Fund value after 5 years.
Get Income tax^# benefits as per applicable tax laws.

Earn more with our Top-Rated funds^*
Get whole life cover till 100 years of your age
Tata AIA Vitality^$ to get discount^%on rider premiums.

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With the Tata AIA Smart Health Plan, get the dual benefit of market-linked growth on your investments through a range of fund options as well as various health benefits that offer coverage against cancer, accidental disabilities, and other ailments.

Key Benefits of Tata AIA Smart Health

Accidental Total and Permanent Disability (ATPD) Benefit

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

By opting for the multistage cancer cover, you can get a lump sum payout from the sum assured for minor and major stages of cancer. If you are diagnosed with minor stage cancer, you will receive 25% of the sum assured, and if you are diagnosed with major stage cancer, you will receive 100% of the sum assured.
Choice of Whole Life Cover

Get whole life insurance coverage for yourself and your family under the policy until 100 years of age.
Family Cover Benefit

To get an additional accidental total and permanent disability cover, you can add your family members under the same policy.
Health Care Benefit

You can use the fund value starting from the 5^th year of your policy to pay for regular medical expenses such as medicine bills and doctor visit fees for yourself and your family members if they are included in the policy.
Enhance your cover through Riders

You can attach riders^% such as HospiCash, CritiCash & SurgiCash along with your choice of sum assured to enhance the protection to you and your family members as well under the same policy.
Income Tax Benefits

Get Income tax^# benefits as per applicable tax laws.
Pay your Way

Flexibility to choose premium payment mode as per convenience

Other Benefits of Tata AIA Smart Health
Benefits For Female Lives

If a woman policyholder undergoes reconstructive breast surgery due to cancer, an additional 30% of the sum assured will be payable.

Return of Mortality Charges

Receive the mortality charges in your fund starting from the 121^st policy month. The pending charges will be paid out with the maturity benefit.

Enhanced SMART

Create a structured portfolio with this strategy to enter a volatile equity market and start investing in funds of your choice.

Eligibility Criteria for Tata AIA Smart Health

	Minimum	Maximum
Entry Age	18 years	65 years
Maturity Age	23 years	Accidental Total and Permanent Disability: 100 years Cancer Care: 85 years
Policy Term	Regular Pay*- 5 years Limited Pay - 10 years	Regular Pay*- 5 years Limited Pay - 10 years
*Policy Term 6-9 years under Regular Pay is not available
Premium Payment Term	Regular Pay* - 5 years Limited Pay – 5 years	Regular Pay* – 40 years (Equals to chosen Policy Term) Limited Pay – (Policy Term – 1 year)
*Premium payment term of Regular pay for 6-9 years is not available.
Sum Assured (AP=Annualised Premium)	Premium Payment Term - Regular/Limited Pay Sum Assured Multiple - 5 times the AP or ₹1 Lakh, whichever is higher.	As per BAUP
Please refer to the “Sum Assured Multiples” Annexure on our website www.tataaia.com
Premium	₹5,000/- for Limited Pay and Regular Pay	As per maximum Sum Assured

See All See Less

Why Choose Tata AIA Life?

68 Lakh+

Families protected so far^~~

Top-Rated Funds

Our funds have been rated 4 or 5 stars^* by Morningstar^@

400+ Branches

Presence across major cities in India

73,500+ Crores

Assets Under Management (AUM)^{^}

Tata AIA Smart Health – FAQs

How does a ULIP policy help in wealth creation?

Under a ULIP, you can choose from different fund options, and a portion of your premiums will purchase units of the funds. With this investment, you can earn market-linked~ returns on your funds and, over the policy term, continue growing your wealth. When the policy matures and if you survive the policy term, the maturity benefit will be the total fund value of your investment.
Can I switch from one fund to another for better investment opportunities?

Yes, Tata AIA Life enables fund switches on your fund options so that you can review and switch your funds to keep up with your investment goals. Up to a certain number of switches each year, you need not pay any additional charges for this facility.
Why does one need health coverage with their life insurance plan?

A health cover that secures you against different health risks such as cancer, accidental disabilities and other illnesses can add an extra layer of financial protection to your life insurance plan.

A policy like the Tata AIA Smart Health offers multiple benefits such as whole life insurance coverage, a choice of market-linked^~ funds to generate and grow your wealth and extensive health insurance coverage that protects you from the financial implications of major health conditions.
Is there an additional cost for adding riders to the Tata AIA Smart Health?

Yes, adding one or more riders to your policy will incur a nominal premium charge. However, the inclusion of a rider can offer added coverage to you and secure you against a range of health conditions.

Disclaimers
- ^~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.
- ^*All funds open for new business which have completed 5 years since inception are rated 4 or 5 star by Morningstar on a 5 year basis as of Mar’2023
- ^%Tata AIA Health Booster – A non-linked, non-participating individual health rider (UIN XXXXXXXXX) is available with this plan
- ^@©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
- ^#Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment 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.
- ^{^}As on 30th April 2023, the company has a total Assets Under Management (AUM) of Rs. 73,538.61 Crores
- ^~~68,75,083 families protected till October 2022
- 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.