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Frequently Asked Questions (FAQs)

Disclaimer
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 MONEY INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR.
In this policy, the investment risk in investment portfolio is borne by the policyholder.
Tata AIA Pro-Fit comprises of Tata AIA Health Pro, A Non-Participating, Unit-linked, Individual Health Insurance Plan (UIN: 110L180V01), Tata AIA Health Secure, A Non- Participating, Unit Linked, Individual Health rider (UIN: 110A050V01) & Tata AIA VitaHealth, A Non-Participating, Non-Linked Individual Health Product (UIN: 110N181V01). Tata AIA Health Pro and VitaHealth are also available for sale individually.
Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V05) | Tata AIA Maha Raksha Supreme Select - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V08) | Tata AIA Shubh Flexi Income Plan (UIN: 110N207V02) - Individual, Non-Linked, participating, Life Insurance Savings Plan | Tata AIA Smart Pension Secure (UIN: 110L182V02) - Non-Participating, Unit Linked, Individual Life Insurance Pension Plan
Linked Life Insurance products are different from traditional insurance products and are subject to risk factors.
The premium paid in Linked Life Insurance policies are subject to investment risks associated with capital markets and publicly available index. The annuity amount/ the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions.
Tata AIA Life Insurance Company Limited is only the name of the Life Insurance Company & TATA AIA Health Pro is only the name of the Linked Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company. The 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. Past performance is not indicative of future performance.
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. Premiums paid in the Unit Linked 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 the fund and factors influencing the capital market and the Insured is responsible for his/her decisions. The fund is managed by TATA AIA Life Insurance Company Ltd.
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 Funds NAV will be affected by interest rates and the performance of the underlying stocks. Please make your own independent decision after consulting your financial or other professional advisor.
L&C/Advt/2025/Apr/1891
Tata AIA Health Buddy comprises of Health Management Services which are complimentary services in the areas of prediction, prevention, diagnosis, treatment or recovery which may include services such as medical consultation, coaching, second opinion, personal medical case management with the objective of health management and improvement. Benefits including Health Management Services or any discounts are available to eligible customers of Tata AIA Life Insurance. It is the customer’s sole discretion to avail the services and to follow the treatment path suggested by the Service Providers. All medical-related services will be directly provided by the Service Providers and not by Tata AIA Life Insurance. It is available only for Life Insured of active policies for select product/riders. Availing this feature grants permission to service providers to contact the customer about these Health Management Services. These services shall be subject to the availability of the Service Provider. Tata AIA Life Insurance shall not be liable for any liability arising due to customer opting to avail this feature from the Service Providers.
*On orders above ₹499, over & above platform discount. Max discount that can be availed- Rs. 300 for lab tests & Rs. 290 for medicines)
The products are underwritten by Tata AIA Life Insurance Company Ltd. 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. The precise terms and condition of this plan are specified in the Policy Contract. 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.
Vaccinations at discounted price is available under Health Buddy Activ and under HB Enhance, discount is through way of wallet i.e. wallet for vaccinations. (Rs 500 per prescribed vaccination*4 transactions allowed = Rs 2,000)
Tata AIA Life Insurance Company Limited (IRDAI 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 (local charges apply) or write to us at customercare@tataaia.com. Visit us at: www.tataaia.com. L&C/Advt/2025/Oct/3895
BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS
IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complain