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The health cost is rising year on year and having a strong health insurance plan is essential to tackle the rising medical inflation. Introducing Tata AIA Health SIP, a comprehensive health insurance solution designed to safeguard you and your loved ones from life’s unexpected health challenges.
It provides fixed benefit payouts and extensive coverage, ensuring peace of mind and financial protection. From critical illness, cancer and Cardiac condition insurance cover to building a dedicated health fund, this plan gives you lifelong health protection and attractive tax4 benefits.
In the event of a total Permanent disability caused by an accident, you will receive a lump-sum benefit payout to cover to cover essential expenses and maintain your quality of life.
Get an accelerated lump sum payment upon death or diagnosis of a terminal illness2, whichever occurs first.
Upon diagnosis of a Major Critical illness2, get a full payout to support your treatment and recovery.
With multistage cancer cover2, receive a lump sum payout based on your diagnosis: 25% of the sum assured for minor stage cancer and 100% for major stage cancer.
With multistage Cardiac condition coverage2, receive a lump sum payout based on your diagnosis: 25% of the sum assured for minor stage condition and 100% for major stage covered condition.
Ensure your family’s financial security even when you’re not around. In case of any unfortunate event during the policy term, your nominee gets the applicable benefit as per the chosen plan options.
Women policyholders will receive an extra allocation of 0.5% for Limited/Regular pay policies or 0.25% of Single Premium on their first-year premium.
All employees of TATA and/or AIA group will be eligible for an extra allocation of 0.5% for Limited/Regular pay and 0.25% of Single Premium policies on their first-year premium.
Get whole life coverage under the policy until 100 years of age.
Use your fund value after 5 years lock-in period to pay for regular medical expenses such as medicine bills, doctor visit fee etc.
You have a flexibility to cover your family members on Shared or individual cover basis. Family members shall include Spouse, Children, Dependent Parent(s), Dependent Parent(s) in law, grandparents(s).
You can attach riders3 as well to increase the policy coverage under the same policy.
Zero Premium Allocation Charge13: With zero premium allocation charges, your entire investment goes into your chosen fund, maximizing returns from day one.Wealth Boosters11: Regular addition to fund to boost investment till end of the policy coverage term.Family Coverage: Option to extend Accidental total permanent disability cover to your family members on shared and individual basis.Return of Morbidity Charges10: Receive the Morbidity charges in your fund starting from the 121st policy month.Enhanced SMART: Create a structured portfolio with this strategy to enter a volatile equity market and start investing in funds of your choice.Provides you opportunity to earn market linked returns similar to SIPs without paying premium allocation charges and lets you pay SIP amount as low as ₹1200 every year, with a flexibility for unlimited fund switches as per your need and provides an additional boost, by adding back the total morbidity charges (if any) and wealth booster, to your overall fund value at the end of your investment term.
This plan provides an opportunity to earn market linked1 return without paying premium allocation charge and lets you start growing your corpus from an early age of 18, and ensures the financial security of your child’s future, at the end of your investment term you get, the morbidity charges (if any) and waiver of premium charges added back to your fund value along with the wealth booster to give an extra boost to your fund. In case of occurrence of covered contingency of the Life assured all the future premiums are waived off and are funded by the Tata AIA, keeping the policy intact until the end of policy term.
On occurrence of covered Contingency Get Dual benefit of Lumpsum benefit payout and Fund value accumulated till that point.
Provides an opportunity to get market linked1 returns and provides a feature to receive a monthly income of 1% of Applicable benefit’s Sum Assured for family’s regular expenses along with lumpsum benefit payout of the covered benefit immediately. In addition to that, future premiums are waived off and are funded by Tata AIA to unburden your family with future premium payments to keep policy intact. Upon maturity, the Total Fund Value accumulated over the Policy Term is paid out, providing a substantial financial corpus.
On top of four plan option above, we also offer the following option that customizes the scope of coverage based on the plan you choose.
Offers Accidental Total and Permanent disability (ATPD) benefit with choice of optional benefits such as Critical Illness, Cancer Care and Cardiac Care.
Offers combination of Accidental Total and Permanent disability (ATPD) benefit along with Terminal Illness with Term Booster (TTI) with choice of optional benefits such as Critical Illness, Cancer Care and Cardiac Care.
|
Minimum |
Maximum |
Entry Age |
18 years |
65 years |
Maturity Age* |
ATPD: 23 years TTI benefit: 23 years Cancer Care Benefit: 23 years Critical illness Benefit: 23 years Cardiac Care Benefit: 23 Years
|
ATPD: 100 years TTI benefit: 100 years Cancer Care Benefit: 85 years Critical illness Benefit: 85 years Cardiac Care Benefit: 85 Years
|
Policy Term |
ATPD and TTI Regular Pay- 5 years Limited Pay - 10 years
Regular Pay- 5 years Limited Pay - 10 years |
ATPD and TTI Regular Pay – 82 years Limited Pay – 82 years Regular Pay- 67 years Limited Pay - 67 years
|
Premium Payment Term |
Single Pay Regular Pay - 5 years Limited Pay – 5 years |
Single Pay Regular Pay – 82 years Limited Pay – (Policy Term – 1 year) |
Sum Assured |
For Single Pay For age up to 49 – 1.25 times the Annualized Premium For Limited Pay/Regular Pay For age up to 49 - 7 times the Annualized Premium |
As per Board Approved Underwriting Policy
|
Above table is applicable for all plan options and represents eligibility criteria for individual benefits offered under the plan.
*Age is as on last birthday | ATPD - Accidental Total and Permanent Disability | TTI - Terminal Illness with Term Booster
1. 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-linked1 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.
2.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.
3.Why does one need health coverage?
A health cover that secures you against different health and accidental risks such as cancer, critical illness and accidental disabilities can add an extra layer of financial protection.
A policy like the Tata AIA Health SIP offers multiple benefits such as whole life coverage, a choice of market-linked1 funds to generate wealth and an option to enhance the protection through addition of riders.
4.Can I add my family members under Tata AIA Health SIP?
Yes, you can add your family members i.e., spouse, parents and children for availing the Base ATPD benefit under Tata AIA Health SIP.
5.Does the policy include any additional benefits?
Yes, the policy comes with an inbuilt waiver of premium9 and income benefit options, offering added financial security.
6.What are the documents required for a claim settlement?
Please click here to know the list of documents needed for the claim intimation and settlement process.
7.How can I file a claim under this plan?
To file a claim with us, choose any of the below channels to reach out to us:
● Email us at: customercare@tataaia.com
● Call our helpline number - 1860-266-9966 (local charges apply)
● Walk into any of the Tata AIA Life Insurance Company branch offices.
● Write directly to us at:
The Claims Department,
Tata AIA Life Insurance Company Limited
B- Wing, 9th Floor,
I-Think Techno Campus,
Behind TCS, Pokhran Road No.2,
Close to Eastern Express Highway,
Thane (West) 400 607.
IRDA Regn. No. 110
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