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    Tata AIA Life Health Insurance Plans


    A health insurance policy is one of the first steps to financial planning as it covers you and your family against medical emergencies. Moreover, investing in medical insurance plan early also provides several advantages like lower premiums and better coverage.

    Tata AIA brings you a host of health insurance plans to protect you and your family. Choose a Tata AIA health cover and ensure complete financial preparedness in case of any medical expenses - big or small, planned, or unplanned.

    Popular Tata AIA Health Insurance Plans

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    What is Health Insurance?

    • Health insurance is a product that offers financial aid for health-related expenses. These can include hospitalisation and treatment costs for injuries, minor infections, and critical illnesses. Simply put, it acts as a financial shield during times of medical emergencies.
       

      Selecting the right health insurance policy can be challenging, but it is vital as it can insulate you against sudden or, in some cases, expected medical expenses due to the increasingly hectic and high-stress lifestyle most people lead today. For example, if an insured individual been recently diagnosed with cancer, the right type of health insurance policy can help cover the cost of regular check-ups, treatments, and other medical bills for treating their illness.



    Our Best-Selling Health Insurance Plans

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

    • Why Do You Need a Health Insurance?

      No one can predict the future when it comes to their health and well-being - Regardless of how well they take care of themselves and lead healthy lifestyles. Injuries and critical illnesses can affect anyone and can be financially taxing.  However, getting a health insurance policy can help you exercise some degree of control over your medical expenses and offers a way to financially safeguard yourself and your family.
       

      Here are some key reasons why a health insurance policy is needed now more than ever.
       

      Changing Lifestyles

      With the ever-changing nature of our world, today's lifestyles bring a range of health issues, from lifestyle disorders like obesity and diabetes to pollution-induced illnesses like asthma or lung cancer. Moreover, mental illnesses from leading a high-stress lifestyle are on the rise.

      This is why buying a good health insurance plan that covers your emergency medical expenses and provides opportunities to improve your current lifestyle issues through annual check-ups or wellness programs is crucial.

      Rising Medical Costs

      Medical inflation in recent years has far exceeded its retail counterpart by a large margin, and nearly everyone has felt its impact. If you live in a large metropolitan city, you are already aware of how much hospitalisations, medicines, and medical examinations can cost.

      Looking at it through this lens, buying a health insurance policy makes sense - even if it is only bought with the intention to cover emergency medical costs. It can mitigate the need to pay exorbitant medical bills if you fall ill or get injured.

      Tax Benefits

      Not only does health insurance financially shield you during a medical emergency, but it also offers policyholders significant tax5 benefits. These benefits can be availed annually under your health insurance premium payments.

      You can get a maximum tax deduction of ₹25,000, which is further increased to ₹50,000 if you are a senior citizen (over 60 years). These health insurance tax benefits5 can be availed under Section 80D of the Income Tax Act 1961.

      Includes Coverage for Pre-Existing Illness

      Most health insurance plans come with coverage for pre-existing illnesses. They usually have a waiting period, and these covers are activated once you have held your policy for a certain period. If you have a pre-existing condition and are looking for health coverage, we recommend you opt for a health insurance plan with a short waiting period.

      Moreover, if you are predisposed to developing certain illnesses due to your lifestyle or family medical history, getting a health insurance plan sooner is advised as it will allow you to quickly complete the waiting period to immediately claim pre-existing illness coverage when needed.

      Provides Cashless Treatment

      Health insurance providers offer their policyholders cashless facilities. This means your insurer will settle your medical bills directly with the hospital if you opt to get treated at any of their network hospitals, mitigating the need to file for reimbursement or to gather last-minute funds.

      Covers Pre-hospitalisation and Post-hospitalisation Expenses

      A health insurance policy will cover your hospitalisation bills in the wake of planned or emergency treatments and surgeries. Your insurer uses your sum insured to cover your hospital bills by giving you a daily cash benefit or through reimbursement.

      Grow Your Savings

      At Tata AIA, we offer linked and non-linked health insurance plans that allow you to grow your savings while you get medical coverage. So, under the Tata AIA Pro-Fit and Tata AIA Smart Health plans, you can build your corpus by choosing among a wide range of funds.

      An ideal health insurance plan caters to your specific healthcare requirements. Hence you must choose the right type of health insurance policy as it will determine the type of coverage you get and also how much coverage you receive.
       

      There are many types of health insurance plans that you can choose from. We have listed the most popular types of health insurance plans below and listed which Tata AIA products offer the following types of health insurance.

      Individual Health Insurance

      This is the most common type of health insurance plan most insurance providers offer. As the name suggests, it offers coverage for one person, i.e., the policyholder (you). Some individual health insurance plans also allow you to include a certain number of family members as dependants under the plan. The premiums for this plan are paid by the policyholder only, so if the policy is under your name, you must pay the premiums. This plan is usually recommended for adults between the ages of 25 - 60, and it covers hospitalisation expenses and emergency medical care up to the sum insured limit of the policy.
       

      Tata AIA Products That Offer Individual Health Insurance:

      Cancer Insurance

      Cancer insurance plans are specifically built to cover medical costs related to cancer treatments, procedures, surgeries, and medication. This insurance type is usually included as an optional cover under other health plans and often has higher premium rates. You receive a portion of the sum insured paid upfront upon diagnosis; if the cancer is diagnosed at a later stage, you will receive the full assured amount.
       

      Critical Illness Insurance

      Like cancer insurance - usually included under this policy, critical health insurance gives you comprehensive coverage in the form of upfront payouts upon diagnosis of life-threatening illnesses (e.g., Cancer or certain heart ailments. These plans provide enhanced coverage for medical treatments and procedures, medicines, and hospitalisation costs through lump sum payments.

      Tata AIA Products That Offer Critical Illness Insurance

      Family Health Insurance

      These are a type of health insurance plan that offers coverage for your whole family. Under a family health insurance plan, all the insured family members share the sum insured amount. They can raise claims for their medical expenses until the sum insured is exhausted. Family health insurance plans also have set minimum and maximum entry.  Lastly, these plans have lower premium rates than individual health plans as the sum insured is shared among the insured family members.
       

      Tata AIA Products That Offer Family Health Insurance

      As a rider health plan:


    An ideal health insurance plan caters to your specific healthcare requirements. Hence you must choose the right type of health insurance policy as it will determine the type of coverage you get and also how much coverage you receive.

    There are many types of health insurance plans that you can choose from. We have listed the most popular types of health insurance plans below and listed which Tata AIA products offer the following types of health insurance.
     

    • Individual Health Insurance


      This is the most common type of health insurance plan most insurance providers offer. As the name suggests, it offers coverage for one person, i.e., the policyholder (you). Some individual health insurance plans also allow you to include a certain number of family members as dependants under the plan. The premiums for this plan are paid by the policyholder only, so if the policy is under your name, you must pay the premiums. This plan is usually recommended for adults between the ages of 25 - 60, and it covers hospitalisation expenses and emergency medical care up to the sum insured limit of the policy.
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    You can also, add the following optional riders6

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    • Cancer Insurance

      Cancer insurance plans are specifically built to cover medical costs related to cancer treatments, procedures, surgeries, and medication. This insurance type is usually included as an optional cover under other health plans and often has higher premium rates. You receive a portion of the sum insured paid upfront upon diagnosis; if the cancer is diagnosed at a later stage, you will receive the full assured amount.

    You can also, add the following optional riders6

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    • Critical Illness Insurance

      Like cancer insurance - usually included under this policy, critical health insurance gives you comprehensive coverage in the form of upfront payouts upon diagnosis of life-threatening illnesses (e.g., Cancer or certain heart ailments. These plans provide enhanced coverage for medical treatments and procedures, medicines, and hospitalisation costs through lump sum payments.
       

    Tata AIA Products That Offer Critical Illness Insurance

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    • Family Health Insurance


      These are a type of health insurance plan that offers coverage for your whole family. Under a family health insurance plan, all the insured family members share the sum insured amount. They can raise claims for their medical expenses until the sum insured is exhausted. Family health insurance plans also have set minimum and maximum entry.  Lastly, these plans have lower premium rates than individual health plans as the sum insured is shared among the insured family members.
       

    Tata AIA Products That Offer Family Health Insurance

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    Why Should One Buy Health Insurance Online?
     

    • 01

      Convenient

      Online health insurance policies are more convenient to purchase as you can easily complete the application and purchase process entirely online. Moreover, you can compare quotes and research coverage options online, allowing you to make an informed decision before policy purchase.
    • 02

      Online Discounts

      When you buy a health policy online, it can make you eligible to opt for discounts on your policy premiums.
    • 03

      Affordable Premiums

      Buying health insurance online is affordable as the insurance company may offer discount on online purchase.
    • 04

      Minimal Paperwork

      Online policy purchases involve minimal paperwork. You do not have to fill out several forms, and any documentation can be scanned and uploaded onto the insurer's website.
    • 05

      Digital Payment Options

      Online insurance providers have completely digitised their policy purchase processes. This mitigates dependency on cash payments and allows you to use digital payment methods instead.
    • 06

      Instant Policy Purchase

      Unlike offline policy purchases, buying a health policy online allows for instant policy issuance. This is because the entire process is done online, allowing the insurance provider to streamline the application and policy purchase process.

    Top Reasons to Buy a Health Insurance Plan

    • Protect Your Savings

      Health insurance is the best solution against medical inflation. Some of the best health insurance plans offer no-claim discounts on premiums, critical illness covers and add-on riders6 to increase coverage.

    • Cashless Hospitalisation Facility

      Hospitalisations can be quite stressful as they require a lot of planning, and any unplanned hospitalisations can leave you scrambling to gather last-minute funds to pay for treatment or surgery costs. 

      This is why most health insurance providers offer cashless facilities in their network hospitals. This facility is available for planned and emergency hospitalisations, and upon approval of your cashless claim, the insurer will directly settle the bill with the hospital. 

    • Tax Benefits

      To encourage more people to purchase health insurance for themselves and their families, the Indian government offers health insurance policyholders significant tax5 deductions on their annual health insurance premium payments. 

      You can get a maximum deduction of ₹25,000 or ₹50,000 depending on your age and the age of your dependents included under the policy. You also get a preventive health check-up deduction of up to ₹5,000, which is included and counted toward your overall deduction limit of ₹25,000/₹50,000. 

    • Peace of Mind

      Medical emergencies can crop up at any time and can cause a lot of stress to you and your family members. This is why is best to stay prepared by purchasing health insurance because if you do need to be hospitalised, it can be relatively stress-free for everyone.  

      The best health insurance policy is the one that ensures comprehensive medical coverage and allows you and your family to receive the best medical care without depleting your savings. If any of these points resonate with you feel free to check out Tata AIA’s Health Plans.

    • How Much Health Insurance Coverage Do You Need?

      When buying health insurance, choosing the right amount of coverage is vital as this will determine your sum insured and sum assured amounts. Going for a cheaper plan because it has lower premiums may not be the ideal choice, as it can have lower health insurance coverage which may not be enough to cover your hospital expenses in case of a medical emergency.

      Similarly, opting for an expensive health policy is not a safe route either since it can result in you paying a higher premium. You must strike a balance between getting a plan that stays within your budget while still offering adequate health coverage. Here are two things you must consider when deciding your health insurance coverage:  
       

      • Type of Health Insurance Policy: The type of health policy you choose will decide your base coverage. This must cover a majority (if not all) of your current and potential medical requirements. So, if you have any chronic conditions that require frequent check-ups and hospitalisations, choose a plan that will provide health insurance coverage for these recurring expenses.

      • Add-On Riders: If you feel that the amount of health insurance coverage under a particular plan is not enough, consider looking into add-on rider6 plans you can choose to increase your coverage. For example, if you are predisposed to or have been diagnosed with a critical illness like cancer, buying critical health insurance is recommended as it boosts your health insurance coverage.
    • Benefits of Health Insurance — Health Insurance Benefits

      No Sub-Limit on Hospital Room Rent

      Health insurance plans give you the benefit of removing the upper limit on your hospital rent expenses. This means you can get treated at any hospital room if its rent falls within your policy's coverage (sum insured).
       

      For example, in our TATA AIA Sampoorna Health Rider, you get the flexibility to choose your daily hospital cash benefit and the number of days per year where you will require this benefit - such as 15/30/45/60 days per year as per your need. We will pay your per day benefit upon hospitalisation for medically necessary treatment of any illness or injury due to an accident for a minimum period of continuous 24 hours.

      Cover for Pre-Existing Illnesses

      Health insurance plans also offer coverage for pre-existing illnesses, albeit after a certain waiting period.

      Therefore, you should always inform your insurer of any pre-existing illnesses before a policy purchase to ensure you are covered and to know your waiting period. For example, Tata AIA's Sampoorna Health rider offers coverage for pre-existing illnesses if you have informed us of any pre-existing conditions before the policy purchase and are covered after a specific waiting period upon approval.

      Cover for Day Care Procedures

      Under our Tata AIA health insurance benefits, you can expect coverage for day care procedures from our health plans. Here day care procedures imply medical procedures requiring at least 24 hours of hospitalisation.
       

      With our health insurance benefits, you can expect benefit payouts for 136 listed and all other non-listed day care surgeries under our plans. The specific procedures covered under each health plan will differ, so we encourage you to carefully read our policy terms before purchasing.

      Hospitalisation Expenses

      If you have opted for any of Tata AIA's Health Plans or health riders6, you can avail of our health insurance benefits that provide coverage for hospitalisation expenses.

      This includes getting a daily cash benefit of up to `₹20,000 on hospitalisation and up to `₹40,000 on ICU admission under our Tata AIA Pro-Fit plan. Remember that these limits can vary depending on your chosen health plan or rider.

      Pre- and Post-Hospitalisation Cover

      Health insurance benefits cover pre- and post-hospitalisation expenses. This means it will cover medical expenses incurred for an illness before getting hospitalised and medical expenses after getting discharged.

      These expenses are usually covered up to a fixed number of days under each policy, so always check your policy terms or ask your insurer to ensure you get adequate coverage.

      Maternity Cover

      Most health insurance policies offer coverage for ectopic pregnancies and miscarriages due to an accident. Maternity covers, in particular, are offered as add-on covers.

      Under this cover, you will be eligible for maternity medical expenses like childbirth, pre- and post-natal care. However, some health policies have a waiting period to avail of this benefit, so always check the policy wording to ensure you can get maternity coverage on time.

      Ambulance Cover

      In case of emergencies where you require ambulance transportation, your health insurance plan will take care of your transportation costs and even assist in connecting to an ambulance service provider. You can find this particular health insurance benefit under our Tata AIA Sampoorna Health rider.

      No Co-Pay

      The best health insurance benefits come with zero co-payment. This means you do not have to worry about paying any out-of-pocket expenses for each claim you file. Your insurer will take care of the costs so long as it is covered by your health insurance plan.  Always check the policy terms before buying to know about any applicable co-payments.

      Cashless Claims

      Cashless claims are a unique health insurance benefit that Tata AIA policyholders can avail of at our network hospitals. This service feature mitigates the need to gather last-minute funds and saves you time, as you won't have to later file for reimbursement.

    What Are the Tax Benefits of Health Insurance? 

    The tax5 benefits of health insurance can be availed under Section 80D of the Income Tax Act 1961 on your annual premium payments. You can also get additional deductions under Section 80DDB for the medical treatment for yourself or for a dependent. The law defines dependents as your spouse, children, parents, sisters, and brothers.

    The 80DDB deductions relate to medical expenses for treating specified diseases or ailments as may be specified in rule 11DD and should not be confused with the premium payments on health insurance bought to cover such diseases. Remember, the premium payments for health insurance are covered under Section 80D of the Income Tax Act.
     

    Individuals and HUFs can claim both of these deductions. The deductions for Section 80DDB are taken out of the pre-medical expenses for treating specified diseases. They are deducted from the Gross Total Income while computing the individual's taxable income.
     

    Health Insurance Tax Deductions Under Section 80D

    Covered Individuals

    Maximum Deduction

    Preventive Health Check-Up Deduction Limit

    Total Tax Deduction Under Section 80D

    Self, spouse, and dependent children

    ₹25,000

    ₹5,000

    ₹25,000

    For self and family, including parents (all under 60 years)

    ₹25,000 + ₹25,000

    ₹5,000

    ₹50,000

    For self, family including senior citizen parents (over 60 years)

    ₹25,000 + ₹50,000

    ₹5,000

    ₹75,000

    For self and family, including parents (all above 60 years)

    ₹50,000 + ₹50,000

    ₹5,000

    ₹1 Lakh

    Health Insurance Tax Deductions Under Section 80DDB

    Age of the Person Receiving Medical Treatment

    Deductible Amount

    Under 60 years

    Maximum ₹40,000 or the amount paid, whichever is less.

    Senior Citizens (60 years and above)

    Maximum ₹1,00,000 or the amount paid, whichever is less.

    Super Senior Citizens (80 years and above)

    Maximum ₹1,00,000 or the amount paid, whichever is less.


    Mode of Payment u/s 80D 
     

    Payment Purpose

    Payment Mode

    Preventive health check-up

    Any mode (including cash)

    All other cases (except check-up)

    Any mode (excluding cash)

    Cash payments not allowed as deduction

    • Why Buy a Health Insurance Plan at An Early Age?

      Lesser Premiums

      Health insurance providers offer lower premium rates to younger customers as lower age ranges are associated with lower risk. This is because younger customers are less likely or prone to developing critical illnesses or health conditions unless they already have a pre-existing illness.

      Reduced Waiting Periods

      Most health insurance plans often have waiting periods for pre-existing disease coverage, maternity covers or coverage for other illnesses and diseases. Hence buying a health insurance plan at a younger age allows you to complete waiting periods sooner as you are less likely to require coverage for such conditions when you are young.

      Exempt From Pre-Policy Health Check-Ups

      Health insurance plans do not require mandatory health check-ups from younger candidates below a certain age. This is because they are less likely to have poor health or require extensive coverage. The only exception to this is of course if they happen to have a pre-existing illness.

    • Eligibility Criteria to Buy a Health Insurance Plan

      Health insurance plans have certain eligibility criteria that must be met to be purchased. These can differ based on the plan you wish to purchase, but in most cases, these are the following health insurance eligibility that must be met:

      Age Criteria

      The stated age ranges for adults and children are the most common upper and lower limits given by insurers for health insurance eligibility. At Tata AIA, we offer plans under similar eligibility conditions, with some plans like Tata AIA Pro-Fit offering whole-life coverage up to a maximum age of 100 years.

      Pre-Medical Screening

      Mandatory pre-medical screenings are mostly only required for candidates over the age of 45 and for senior citizen health insurance plans before policy purchase

      Pre-Existing Disease Coverage

      Pre-existing illnesses almost always have a waiting period under health insurance plans and are only covered upon completion of the waiting period. Most insurers will ask you before policy purchase if you suffer from any medical conditions or about lifestyle choices like whether you drink or smoke at the time of policy purchase.

    • Why Should You Compare Health Insurance Plans Online?

      Online insurance providers offer various products on their websites to cater to several health requirements. A key advantage to buying health insurance online is that you can compare health insurance plans they offer before purchasing.

      Here are some benefits and reasons why you should compare health insurance plans online before buying them.

      • You can compare the features and benefits of multiple plans all in one place.
      • You get free quotes online at the click of a button according to your medical requirements, income, and age.
      • You can decide which plan to buy from the comfort of your home, and you also get the option to include your family members in your health plan.
      • You can compare health insurance premium estimates of different plans using health insurance premium calculators to know if a particular premium plan lies within your budget.
    • Myths about Health Insurance

      Despite growing awareness, health insurance penetration in India is low. Moreover, with increasing awareness, there are many health insurance myths. Some common misconceptions include:

      'I Don't Need Health Insurance If I'm Already Healthy'

      Even if you are young and have no recurring medical expenses, investing in health insurance, especially during your younger years, has benefits in the long run. You also stay covered for medical emergencies giving you peace of mind.

      'Health Insurance Is Denied for Smokers'

      Insurers may charge higher premiums for smokers as they present an increased risk of developing health complications in the future. However, neither smoking nor drinking, for that matter, is the basis for denying health insurance altogether.

      'Health Insurance Is Expensive'

      Most insurance companies allow to pay their policy premiums in monthly, quarterly, and half-yearly instalments. Many health insurers also provide flexible payment options and ways to reduce your premiums through co-pays and more by offering more affordable policies.

      'Corporate Group Health Insurance from My Employer Is Enough'

      While they may cover your medical needs, these plans are tied to your employer, and you lose your health insurance benefits once you switch organisations. Hence a corporate health insurance policy is not enough, especially if you have chronic illnesses.

    What is an ideal Cover in a Health Insurance Plan?
     

    In-patient Hospitalisation Expenses: Covers in-patient hospitalisation expenses for treatment of illness and injuries that require hospitalisation exceeding 24 hours.

    Pre-existing Illnesses or Diseases: Covered upon completion of the policy's waiting period. You can file for a claim under this cover for the treatment and management of the pre-existing illness.

    Pre- and Post-Hospitalisation Expenses: Covers medical expenses incurred by an illness before hospitalisation like blood tests, x-rays, and other diagnostic checks. Similarly, medical expenses like health check-ups to check your health after discharge from the hospital are also covered.

    Ambulance Charges: Covers ambulance transportation expenses to the hospital and transport between hospitals for treatment of illness or injury. The coverage amount will vary depending on your insurer.

    Maternity Cover: Maternity medical expenses during pregnancy and delivery are covered along with medical expenses incurred by the newborn.

    Preventive Health Check-ups: These are regular health check-ups offered at network hospitals by some plans. These are usually free and available annually.

    Day Care Procedures: Covers day care treatments that do not exceed 24 hours of hospitalisation. These can include short procedures like chemotherapy, appendectomies, angiography, etc.

    Home Treatment Cover: These cover at-home medical treatments on the advice of a medical practitioner, in the event that there is a lack of hospital rooms to facilitate a hospitalisation.

    AYUSH Benefit: Covers medical costs on Ayurveda, Unani, Siddha, or Homoeopathy treatments at AYUSH centres up to a specified limit.

    Different Diseases Covered by Tata AIA Health Insurance

    Our Tata AIA Pro-Fit and Tata AIA Sampoorna Health plans offer coverage against 57 critical illnesses, giving you protection at different stages of your health. Moreover, you also get fixed hospital cash payouts that are doubled if admitted to the intensive care unit (ICU).
     

    Here is a comprehensive list of diseases covered in health insurance under both plans:
     

    Sr. No

    Critical Illnesses

    Sr. No

    Critical Illnesses

    Major Critical Illnesses

    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

    Apallic Syndrome

    27

    Permanent Paralysis of Limbs

    11

    Aplastic Anaemia

    28

    Poliomyelitis

    12

    Blindness

    29

    Progressive Scleroderma

    13

    Chronic Relapsing Pancreatitis

    30

    Systemic Lupus Erythematosus with Lupus Nephritis

    14

    Coma of Specified Severity

    31

    Third Degree Burns

    15

    Creutzfeldt-Jakob disease

    32

    Eisenmenger's Syndrome

    16

    End Stage Liver Failure

    33

    Myelofibrosis

    17

    Alzheimer's Disease

     

     

    Minor Critical Illnesses

    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

    56

    End Stage Cancer

    57

    Major Organ/Bone Marrow transplant

    What is Not Covered in a Health Insurance Plan?
     

    The list of exclusions under a health insurance plan will vary depending on your insurer and the plan you purchased. Here are some standard exclusions under most health insurance policies:

    Illnesses and procedures with a waiting period will not be covered under your health insurance policy until after the completion of the waiting period. Most health insurance plans have a 30-day waiting period after policy commencement and a longer waiting period for pre-existing disease coverage. The only exceptions are claims arising from accidental emergencies.

    Injuries caused by war/terrorism/ nuclear activity.

    Self-inflicted injuries or suicide attempts are not covered.

    Cosmetic procedures (for aesthetics) will not be covered unless they are reconstructive in nature and caused due to an accident or illness covered under the policy.

    Terminal illnesses, AIDS, STIs and other diseases of similar nature.

    Dental procedures or eye surgery like LASIK, unless damage to the teeth or eyes resulted from an accident or illness covered under the policy.

    Enforced bed rest not for receiving treatment, for custodial, rehabilitation, common illnesses, etc.

    Expenses related to sterility and infertility. This includes any type of contraception or sterilisation procedures. Or artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, and ICSI.

    Unproven treatments, procedures or supplies that lack significant medical documentation to support their effectiveness.

    • What are Health Insurance Riders?

      Health insurance riders are additional plans you can add to your health insurance policy to increase coverage. The cost of a rider will depend on your age, the sum insured and the type of coverage you opt for. Given below are some common health insurance riders6:

      Critical Illness Rider

      As its name suggests, a critical illness health insurance rider will offer coverage for illnesses like cancer, heart disease, etc., diagnosed during your policy tenure. You will be offered a lump sum amount from your sum assured upon diagnosis.

      It comes with a waiting period of 90 -180 days and a survival period of 30 days. Under Tata AIA's Health riders, based on the stage of diagnosis. You are paid the entire sum assured if the illness was diagnosed at a later stage during the policy tenure. This rider must also be bought in advance if you are predisposed to certain health conditions.
       

      This is because if you have been diagnosed with a critical illness before the policy purchase, it will be considered a pre-existing condition and only be covered upon completion of the waiting period for pre-existing illness - which has a separate waiting period to the one mentioned above.

      Maternity Cover Rider

      A maternity cover will offer coverage for maternity medical expenses during pregnancy, delivery, and newborn medical expenses. This health insurance rider will also offer pre- and post-natal coverage for up to a specific number of days before and after delivery.

      Most maternity covers often come with a waiting period of two to six years, so you cannot buy them if you are already pregnant, as you cannot benefit from the cover. Hence it is recommended you get one well in advance if you want coverage for maternity expenses.

      Personal Accident Rider

      A personal accident health insurance rider helps you get compensation in case of accidental injuries that lead to permanent disability or death.

      You are paid the entire sum assured for total disability and a part of the sum assured for partial disability. It is also called a double indemnity rider as it offers an additional death benefit to your family will in case of accidental death.

      Hospital Cash Rider

      Under this health insurance rider, you get a fixed daily cash allowance from your insurer to cover incidental expenses incurred during hospitalisation for an injury or illness. It offers twice the coverage amount if you are admitted to the ICU.

      The daily cash amount will vary as per your policy terms and chosen coverage. You must also be hospitalised for at least 24 hours to use this add-on rider.

      Room Rent Waiver

      This rider ensures that no upper limit on room rent applies to you and allows you to choose a room with higher or no sub-limits without paying extra money out of your pocket.
       

      In other words, you can get treated at any hospital room of your choice without paying any out-of-pocket expenses, as your insurer will cover the room rent, so long as it falls within your total insurance coverage.

    Tata AIA Health Plan Riders

    Category

    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)

    Key features

    • Unlimited day care procedures and surgeries.
    • Coverage against 57 critical illnesses, with protection at different stages.
    • Fixed Hospital Cash payouts and double the amount for Intensive Care Unit (ICU) stays.
    • In-person and virtual consultations across 18+ specialities and general physicians.
    • Covers prescribed diagnostic tests and pharmacy.
    • Chronic Care Disease Management sessions for health conditions like diabetes, thyroid disorder, hypertension, etc.

    Health Insurance Benefits

    • Zero Deductibles and pays a fixed benefit.
    • Flexibility to choose survival period as 0 or 7 days.
    • 57 critical illnesses with multistage protection
    • Unlimited Day Care procedures and surgeries.
    • Global Coverage.
    • Access to Tata AIA Vitality program
    • Daily Hospital Cash and 2x pay for ICU stays.  

     

    • Outpatient Consultations
    • Virtual Consultations
    • Cashless services for:
    • Diagnostics.
    • Prescribed Physiotherapy.
    • Pharmacy.
    • Emotional Wellness.
    • Nutrition Management.
    • Emergency Care.
    • Chronic Care Management.
    • Value-Added Services (discounts and access to other wellness services).

    Family Coverage Option

     

    2 Variants Available

    1. Family with Individual basis
    2. Family with floater/shared basis

    Yes

     

    Add-On Benefits

     

    • Return of Balance Premium on Maturity
    • Restoration Benefit
    • Diagnostic Test Benefit
    • Overseas Treatment Booster (OTB)

    -

    Tax Benefits

    Yes

    Yes

    See All See Less

    Tata AIA has two health insurance riders that you can opt for Tata AIA Sampoorna Health and Tata AIA OPD Care. Let us take a closer look at what they have to offer:

    Calculate Your Health Insurance Premium


    Now that you know how important it is to get yourself and your family health insurance, how do you know if you're paying the right premium? Thankfully, getting an estimate of your premiums is relatively easy, as this process can be done using a health insurance premium calculator.
    Let us take a look at some important factors you should consider when you calculate your health insurance premium using this tool.
     

    • Choose Who You Want to Include Under Your Policy Coverage

      The first step to calculating your health insurance premium is to determine how many people you want health insurance coverage for. If you want individual coverage for yourself, choose the 'Self' or 'You' option on the health insurance premium calculator.

      On the other hand, if you wish to include your spouse, parents, and/or children under the policy, select the relevant options and click the Proceed or Next button on the calculator.

    • Provide the Necessary Personal Particulars

      These include details like your name, date of birth, and mobile number. These details must also be submitted for each person you have chosen to include under the health insurance policy.

    • Choose A Health Insurance Plan

      The next most important step would be to choose the health insurance plan you want. This step includes choosing the policy tenure under the plan, the sum insured, and any add-ons to increase coverage.

      However, remember that opting for add-ons will impact your overall premiums resulting in higher payments.

    • Answer Some of Our Basic Queries

      You will be asked about your lifestyle habits (whether you drink or smoke) and if you have any pre-existing conditions. You must be honest here and disclose any necessary details, as this can affect your claim settlements during the policy tenure.

    • Get Your Health Insurance Quote

      The last step is entering your name and contact details, like your email address, and clicking submit on the health insurance premium calculator. After which, your health insurance quote shall be presented on the screen.

    • Factors That Affect Health Insurance Premiums

      Gender and Age

      Health insurance premiums will vary depending on your age. Older candidates tend to have higher premiums as they present more risk of developing critical illnesses and other health issues.

      While younger candidates are charged lower health insurance premiums as they are considered a lower risk to insurers. This is why getting health insurance at a younger age is recommended.

      Moreover, medical care costs vary between genders due to their unique needs and medical requirements. Men are more at risk of developing chronic conditions in their later years, and they tend to seek stress-related illness coverage under health policies.

      In contrast, women are at less risk for stroke or heart disease. They are also more likely to seek specific coverage, such as maternity covers.

      Transgender or nonbinary individuals may have to identify themselves as a man or woman when applying for health insurance, depending on the insurance company, by providing the gender identifier on their birth certificate or driver's licence.
       

      Under Tata AIA Sampoorna Health, women can avail of a Smart Lady Benefit. At the same time, transgender individuals can get a Transgender Discount, where they receive a discount on their health insurance premiums during their first policy year.

      However, unlike age, your gender will not play a significant role when determining your health insurance premiums since the differences in premium rates are not as notable between genders as they are across age bands.

      Medical History

      Almost all health insurance providers require pre-policy medical screenings over a certain age (usually over 45) before you can buy any of their policies. This is especially true for senior citizen health insurance.
       

      Your medical history is also important if you have any pre-existing conditions and require critical illness insurance. Insurers will consider your required treatments and recurring medical expenses to calculate your health insurance premiums.  
       

      Moreover, they consider lifestyle-related health risks and the medical background of your family. That is why health insurance premiums for smokers are usually higher, and critical illness insurance covers usually have higher premiums.

      Policy Term

      Most insurance providers offer discounts for longer policy tenures than they do for yearly policies, as longer tenures usually have higher health insurance premiums.

      Type of Health Insurance Plan

      The type of plan you choose will also affect your health insurance premiums, as more coverage means higher premiums. You can determine what plan to buy by using an online premium calculator and comparing different health insurance quotes.

      No-Claim-Discount

      A No-Claim Discount will help to reduce your overall premium payments under your policy. It is one of the first things considered when calculating health insurance premiums.
       

      You can be eligible for this discount on your next policy year if you have not filed any claims in your previous policy year. The No Claim Discount is applied during your policy renewals.

      Lifestyle

      Certain lifestyle choices like consuming alcohol regularly or smoking can impact your health insurance premiums as they increase your risk of developing health issues. So, if you are a smoker or drink regularly, you will be charged a higher premium.

    How To Save On Health Insurance Premium

    • Buy Health Insurance Online

      This is a practical health insurance tip to save on premiums. Buying health insurance online is much cheaper than buying it in person.

      The online process eliminates the need for any middlemen or agents, mitigating the need to pay additional costs. Moreover, online health insurance purchases can make you eligible for several discounts on the insurer's website.

    • Compare Health Insurance Plans

      Online insurers allow you to compare different health insurance plans as comparing quotes and benefits allows you to zero down on a plan that offers adequate coverage while offering an affordable premium.
       

      You can do this by using a health insurance premium calculator - available on most insurance providers' websites.

    • Buy Top-Up Plans to Enhance Coverage

      Top-up or super top-up plans are a great way to increase your health insurance coverage without having to pay high premiums. For example, if you have a ₹10 lakh health insurance policy and a ₹10 lakh top-up plan, it is likely to be cheaper than a ₹20 lakh health policy.

    • Don't Choose Unnecessary Add-Ons or Coverage

      The higher the coverage, the higher the payable premiums, so a vital health insurance tip would be to avoid opting for coverage you do not need. Only choose the add-ons you are sure you will need when buying a health insurance policy to avoid paying higher premiums.

    • Buy A Family Floater Plan

      Family health insurance policies are generally cheaper as the sum insured is shared among the insured family members and can be claimed until exhaustion.
       

      If you want to ensure your family members, a family floater plan would be better suited rather than getting individual plans for each family member, as it can result in high premiums.

    • Claim Judiciously

      A No Claim Discount is awarded to policyholders who do not file claims within a policy year. This means you get a percentage discount on your overall premium payments for the proceeding policy year upon renewal.
       

      Moreover, this discount can be accrued to a large percentage (maximum 50% for most insurers) by not filing claims for consecutive years.
       

      Depending on whether the insurer accepts NCB transfers, it can also be transferred to a different health plan if you want to switch to a different insurance provider.

    • Balance Your Corporate Health Insurance and Individual Policy

      If you are a salaried employee, then you are probably already insured under a health insurance plan by your employer and do not require extensive coverage under an individual plan.
       

      Hence, rather than opting for high coverage on an individual plan, you can save on premiums by choosing a policy that complements your corporate insurance policy.
       

      For example, if you need health coverage of around ₹15 lakhs, and your employer's health insurance offers coverage up to ₹10 lakhs, you can choose to buy a cheaper health insurance plan of ₹5 lakhs as the other ₹10 lakhs is covered by your corporate insurance policy.

    How to Claim Health Insurance?


    Health insurance policies allow you to claim compensation or insured medical treatments by filing claims. You file two types of claims: A cashless claim if you get treated at a network hospital and a reimbursement claim if you are treated at a non-network hospital.
     

    So, if you are wondering how to claim health insurance, we have provided a step-by-step instructions for both claims processes below:


    How to Initiate a Cashless Claim with Tata AIA?

    • Find your nearest network hospital to be eligible for a cashless claim.
    • For planned admissions, you must inform your authorised TPA 2 days in advance about your hospitalisation. If it is an emergency, the TPA must be notified within 24 hours of you being admitted to the hospital.
    • Show the network hospital your valid ID proof and your TPA E-health card at the hospital Insurance/TPA help desk.
    • The hospital will provide a Cashless claim form for the initiation of the claims process. You can also download the claim form from the TPA website.
    • The hospital will share the duly filled cashless claims form and send the request to the authorised TPA for verification.
    • After the pre-authorisation is approved by the Insurance Company/TPA, ensure that your hospitalisation takes place within 15 days of receiving approval from the help desk.
    • In case you fail to get TPA/Insurer approval, you can still file for a reimbursement claim.
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    How to File a Reimbursement Claim Online with Tata AIA?
     

    If you are receiving treatment at a non-network hospital for an insured treatment or procedure, you file for a reimbursement claim through our website. Ensure that you maintain all original bills and receipts, as you must submit them for reimbursement.

    Here is how you can file for a reimbursement claim online:

    1. Visit our Claims page on the Tata AIA website.
    2. Click Register Claim Online and enter the required details and click Authenticate.
    3. Download the relevance claims form, fill it in and upload it back onto the website along with mandatory documents.
    4. Once your documents have been processed and verified, the claim amount will be paid to you.
       

    Documents Required to Claim Health Insurance

    In the event of hospitalisation, you must submit the required documents to your insurer. The documents will vary depending on your specific claim, but these are essential as most insurers will require them to process your claims.
     

    Here is a list of documents that you need:

    • Duly filled and signed claims form.
    • Discharge card or form issued by the hospital.
    • In-patient hospitalisation bills signed by you (for authenticity).
    • Doctors' prescriptions and medical bills/receipts.
    • Valid investigation report.
    • List of all consumables and disposables prescribed by the doctor(s) with complete details.
    • Doctors' consultation bills.
    • Copies of the previous and current year's Insurance policy and a copy of the ID Card of TPA.
    • Other document(s) required by the TPA.
       

    For a more detailed list of documents for each claim type under Tata AIA, click here.

    Claim Settlement with Tata AIA

    A claim settlement ratio in health insurance is the percentage of claims the insurer settles within a fiscal year out of the total claims they receive. Generally, it is recommended to opt for insurers with a high claims settlement ratio. This is because the higher the claims settlement ratio, the higher the likelihood of the insurer settling your claim when you file for reimbursement.

    At Tata AIA, we are proud to say that we held a 99.01% Individual Death Claim Settlement Ratio7 for FY 2022 - 23. Your claims are our top priority!
     

    Features of Our Tata AIA Health Insurance Policy

    Our Tata AIA Health Plans provide linked and non-linked plans depending on the type of returns you prefer and the flexibility to choose your desired coverage under our policies. Here are some stand-out features and benefits we offer with Tata AIA Pro-Fit:
     

    • HospiCare: This benefit pays you a fixed amount of daily hospital cash for hospitalisations, and ICU stays that exceed 24 hours for insured treatments. You also get an additional recuperation benefit for continuous hospitalisation for 7 days or more.
    • Accidental Disability Care: We cover accidental permanent total or permanent partial disability, where multiple claims are allowed for partial disability.
    • Moreover, we pay a double benefit in case of accidents under specific circumstances (while travelling on public transport). This benefit has no waiting period and offers instant coverage.
    • Multistage Criticare: We cover over 39 Critical Illnesses, including minor-stage illnesses and late-stage conditions like end-stage cancer and organ transplants.
    • Cancer Care: Covers early and late-stage cancers upon diagnosis during the policy term.
    • Cardiac Care: We cover 14 minor and 8 major heart-related ailments under our policies.

    How to Buy Health Insurance Online?

    Buying health insurance online is easy if you choose the right insurer. Moreover, buying a health plan from Tata AIA is incredibly easy as the process has been digitised for your convenience.

    You can also review and compare your desired plan's benefits and policy terms with other plans to make an informed decision before making a policy purchase. Here is how you can buy a health plan from Tata AIA.

      1. Visit the Tata AIA website and hover over the Plans tab.
      2. Click on the health policy you want to purchase.
      3. Scroll down and enter your details in the given fields.
      4. An insurance agent will contact you to guide you through the process.
      5. Alternatively, you can also contact us by sending us an SMS, email or by giving us a missed call for a callback.

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    Our experts are happy to help you!

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    Frequently Asked Questions (FAQs)

    Which health insurance is best in India?

    The best health insurance plans are ones that will suit your needs and medical requirements. They are exclusive to your needs and specifications. But, if you are looking for health plans that offer comprehensive health care coverage, consider exploring Tata AIA's Health Plan.

    We offer a variety of plans and add-on health riders that you can attach to your basic policy to enhance coverage. Moreover, you can choose between linked and non-linked plans that offer a choice between market-linked returns and guaranteed returns.

    What is a co-pay in health insurance?

    A co-pay is a clause added to your health insurance policy where the insurer agrees to pay a fixed percentage of the medical expenses during claims while you pay the rest. This percentage is decided during policy purchase, so check your policy documents before purchase.

    Please note that you must only opt for a co-pay if you are confident in your ability to pay your future medical expenses. Otherwise, it is best to go for a plan where the insurer covers the full cost. 

    Why is health insurance important?

    There are several reasons why you should get health insurance, but the main reason would be to safeguard your finances from future medical emergencies and to ensure that you and your family stay covered.

    Is health insurance tax deductible?

    Yes, you can claim a tax5 deduction on your annual health insurance premiums under Section 80D of the Income Tax Act 1961. You can claim additional deductions under Section 80DDB.

    Which scheme of ACT provides health insurance requirements for workers?

    The Employees State Insurance (ESI) Act of 1948 offers health benefits to workers and their dependents in case of any unfortunate eventualities at work.

    Under this Act, employees or workers working in factories, businesses, and organisations such as hotels, road transport, cinemas, educational or medical institutions, and shops that employ 10 or more persons earning up to ₹21,000 per month are covered.

    What is No Claim Bonus in health insurance?

    A No Claim Bonus or No Claim Discount in health insurance is a percentage discount that is applied to your overall premium amount on renewal in the next policy year if you have not filed any claims in the previous policy year.

    This discount can be accrued for consecutive policy years if you have not filed any claims in those years and depending on the insurer (if they allow NCB transfers), it can also be transferred to a different policy when switching insurance providers.

    What is the waiting period for health insurance?

    • The waiting period, in health insurance, is a time frame within which you will not receive coverage even if your policy tenure has been initiated. Most health insurance policies have a waiting period of 30 days, after which they will receive coverage.
    • For existing diseases (pre-disclosed), the waiting period may vary from 2-4 years. It means that the insured will not get coverage for a disease that he or she already had before buying the health insurance coverage.
    • The waiting period will also vary for different add-on covers. For example, the waiting period for critical illness is usually 90 - 180 days, and maternity covers have a waiting period of 2 - 4 years.
    • The waiting period under health insurance is only waived for emergency medical procedures that occur due to accidents.

    How does health insurance work?

    A health insurance plan is a legal contract between the insurer and the policyholder. The insurer promises to cover the insured individual's medical expenses in exchange for regular premium payments.

    The medical expenses covered under health insurance will vary depending on the type of health insurance plan you opt for. Always check your policy terms to know what illnesses and procedures your health insurance policy covers.

    How much health insurance do I need?

    While there is no coverage amount for health insurance, there are two broadly accepted rules:

    • First, your health coverage should be at least 50% of your annual income.
    • Second, your health insurance should cover the total cost of a coronary artery bypass graft in a hospital of your choice. Most personal finance experts recommend at least ₹5 lakhs of health coverage.

    Is dental treatment covered under health insurance?

    Some health insurance plans offer coverage for dental treatments under an add-on cover. Most insurers only cover dental treatments or surgery if the damage to your teeth was the result of an accident or insured illness.  

    In other instances, they are considered cosmetic procedures and are not covered under basic health insurance plans.

    Which health insurance is best for a family?

    A family floater plan is ideal if you want comprehensive medical insurance for your family members — all under one plan. It is a much cheaper option than getting individual plans for all your family members.

    In case one of your family members suffers from a critical illness, we recommend getting a separate individual plan with a critical illness cover to cover their medical expenses to prevent exhaustion of the sum insured under your family floater plan.

    Does health insurance premium increase every year?

    Yes, health insurance policies do increase their premium rates on renewal every year. This is due to the steady increase in medical inflation rates. Health insurers need to match that rate and will increase your sum insured amount every year to ensure you get adequate coverage.

    Hence, the increase in the sum insured amount leads to an increase in the premiums you have to pay every year. Some ways to combat this would be through NCBs and other health insurance tips provided in the 'How to Save On Health Insurance Premium' section above.

    How many health insurance companies are there in India?

    There are about 5 insurance companies that are registered under IRDAI as health insurance providers. Apart from these companies, 26 other general insurance providers are registered under IRDAI and many of them have health insurance policies to offer. Tata AIA is a joint venture company that provides both life insurance and health insurance products.

    Disclaimer

    • Tata AIA Life Insurance Smart Health Shield Plan - A Non-Linked Non-Participating Individual Health Plan (UIN:110N135V02)
    • Tata AIA Smart Health - Unit Linked, Non-participating, Individual Health Insurance Plan (UIN: 110L168V02)
    • 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 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)
    • 1Under SurgiCash Benefit of the Tata AIA Sampoorna Health Rider, the payouts are offered basis the categories of surgeries: 10% of sum assured up to Rs. 50,000 for day care procedures such as eye cataract, nasal sinus operation, 25% on Category 1 surgeries, like Amputation of foot or hand, 50% on Category 2 surgeries, like knee or hip replacement, 75% on Category 3 surgeries, like Aortic Valve Repair, and 100% on Category 1 surgeries, like CABG. Refer list of surgeries for benefit payouts.
    • 2Under CritiCash Benefit of the Tata AIA Sampoorna Health Rider, Benefit payouts for multistage critical illnesses are offered depending on the category of the illness. For minor critical illnesses such as cardiac arrest, angioplasty, Early-stage cancer etc, the payout will be 25% of sum assured. For major critical illnesses such as Heart attack, Major head trauma, Parkinson’s disease, Alzheimer’s disease etc., the payout will be 100% of sum assured. For a catastrophic illness like end stage cancer or major organ/bone marrow transplant, the payout will be 150% of sum assured. Refer list of critical illnesses for benefit payouts.
    • 3Market-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.
    • 4All 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
    • 5Income 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 implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
    • 6Riders are not mandatory and are 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/Intermediary/ branch.
    • 7Individual Death Claim Settlement Ratio is 99.01% for FY 2022 - 23 as per the latest annual audited figures.
    • 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 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 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.
    • L&C/Advt/2023/Nov/4063
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