Sampoorna Care - Cancer Fund 

Rising cancer incidence, medical inflation and longer treatment journey are making healthcare cost harder for families to predict and manage... Read more The solution is to not only take care of immediate treatment costs today but also stay financially prepared for future health needs.

Sampoorna Care – Cancer fund is built to deal with this reality, combining cancer protection with a long-term health fund approach to be prepared for the years beyond. Read less

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Top features of this plan

Comprehensive-multistage-cancer-coverage

Multistage cancer coverage: Claim payout on cancer diagnosis

Get 25% on Early-stage cancer and 100% on Advance stage cancer diagnosis

Flexibility-to-receive-income-up-to-5y

Flexibility to receive income up to 5 years2

Option to convert up to 100% of lumpsum payout to income

Whole-of-life-health-fund-creation

Whole of life health fund creation3

Health funds keep growing up to age of 100 even post cancer cover ending year

Tax-free-withdrawals-for-medical-expenses

Tax free withdrawals for medical expenses

Post completion of lock-in period, withdraw up to 50% of fund value for health-related expense

Get-lumpsum-payout-on-ATPD-occurrence

Get lumpsum payout on ATPD occurrence

Receive lump sum payout on accidental total and permanent disability due to accident

Get-Enhanced-accidental-benefit

Get Enhanced accidental benefit4

Receive 2X of covered ATPD sum assured.

Get-100-of-premium-back

Get 100% of premium back5

Receive all premium back on policy maturity                                                

Discounted-preventive-care-services

Discounted preventive care services6

Cancer screenings, Vaccination, Specialist consultation

Add-on-benefit-for-enhanced-protection

Add-on benefit for enhanced protection7

  • Overseas treatment booster- additional 10% of sum assured paid for treatment availed overseas

  • Diagnostic and test benefit –lower of 5% of sum assured or ₹25,000 paid towards diagnostics tests and procedures

  • Waiver of premium on early-stage cancer diagnose

Save-tax-up-to-220008

Save tax up to ₹25,0008

Avail tax benefits as per section 80D

Multiple-fund-options-to-choose-from

Multiple fund options to choose from

Option to choose funds which have been rated 4 or 5 stars9 by Morningstar10

Eligibility criteria

 

Parameters Health Buddy - Cancer Health SIP - ATPD

Entry Age

18 - 65 Years

Maturity Age

85 Years 

100 Years

Policy Term (in years)

NROP: 5 to 30

ROP: 10 to 30

NROP: 5 to whole of life

ROP: 10 to whole of life

Premium Payment Term (in years)

For Limited Pay-
NROP: 4 to (Policy term* – 1)

ROP: 9 to (Policy term* – 1)

Same as PT for Regular Pay

Payment modes

Annually/ Semi- Annually/ Quarterly / Monthly

Minimum and Maximum Premium

Minimum: ₹.5012

Maximum: Rs As per chosen cancer sum assured

As per chosen cancer sum assured

Minimum and Maximum Sum Assured

Minimum: ₹. 1 L
Maximum : As per BAUP

ATPD: Same as Cancer Sum Assured

 

The PPT for Health SIP and Health Buddy shall be same for LP/RP.* Policy term abvoe represents Cancer Policy term. Whole of life implies 100 years of age

Age as on last birthday 

Who should buy Sampoorna Care – Cancer fund?

The following individuals can consider buying Sampoorna Care:

Individuals seeking Cancer protection for today and tomorrow

Those who want financial support through lump-sum payouts in case of a cancer diagnosis.

Young professionals planning early, Self- employed, Business owner, others profile

who wants to secure their health early and sustain income with a whole life health fund for any medical emergencies.

Those seeking comprehensive health insurance

Those who want comprehensive health insurance coverage should consider Tata AIA Sampoorna Care – Cancer Fund. In this plan, various medical expenses are covered, including hospitalisation, surgery, treatments, and diagnostic tests. This provides peace of mind and security during medical emergencies to individuals who prioritise having extensive health coverage for themselves and their families.

Those comfortable with market risk

Due to the investment component, this type of life insurance policy is subject to market risks. These are suitable for investors who are comfortable with market volatility and fluctuations. Even though market risks exist, they also offer higher returns than traditional insurance plans. The plans may be suitable for investors who are willing to tolerate market risk in exchange for potential growth opportunities.

Those seeking flexibility

Flexibility is a key feature of this plan, making it suitable for individuals who value customization and adaptability. With this plan, you can choose the sum insurance, select investment funds, adjust premium payments, and switch between funds. In this way, you can tailor the plan over time to meet your changing needs, financial goals, and risk preferences.

1.

How do I claim the benefits under the product?

To file a claim with us, you can contact us via email or call:
Send us an email: customercare@tataaia.com
Call us at - 1860-266-9966 (local charges apply).
Alternatively, you can also visit any of our Tata AIA Life Insurance Company branch offices to file a claim for the product benefits.

2.

Is there a money-back option available?

Yes, if return of premium option is chosen. It option refunds your paid premiums (excluding discounts/claims) on policy maturity with terms and conditions applicable.

3.

What is the claim process?

To make a claim, you need to notify the insurer, fill out a claim form, and provide the necessary documents. For cashless claims, you must notify the insurer within 24 hours of hospitalisation or at least 48 hours before the planned admission. The reimbursement claim must be submitted within 30 days of discharge.

4.

Can I customise my coverage with add-on benefits?

Yes, you can customise the coverage and enhance it with add-on benefits like overseas treatment booster, Diagnostic test benefit, Return of balance premiums, waiver of premium etc. for broader protection.

5.

Is Sampoorna Care – Cancer fund a health insurance or an investment plan?

It’s a Unit Linked Health Plan (ULHP) that combines both. The plan offers cancer coverage and invests part of your premium in market-linked1 funds.

6.

Are returns guaranteed?

No, as it’s a market-linked1 plan, returns depend on fund performance.

7.

What are the tax benefits? 

You can claim tax4 deductions under Section 80C for investment and Section 80D for health premium payments, as per current tax laws.

8.

What happens in case of an unfortunate incident?

A sum of 105% of total cancer premium paid till date of death and higher of (Fund value or 105% of total Health SIP premiums paid till date of death) is paid.

9.

What is the difference between traditional health insurance policies and unit-linked health insurance?

While traditional health insurance policies pay for the medical expenses only, Unit Linked Health Insurance policies include an investment component. Apart from health coverage, the policyholders can invest a certain portion of the premium in different funds. 

10.

During the policy term, can I change my fund allocation?

Yes, this plan offers you the option to switch funds as per your risk appetite and financial objectives.

11.

What happens if I do not pay my premiums on time? 

A grace period is usually provided by the plan (as per policy terms) if a premium is missed. Missed payments may result in reduced benefits, or premiums may be recovered from the fund value depending on the policy type and duration.

  • 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 MONIES INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR.

  • Tata AIA Sampoorna Care- Cancer fund comprises of Tata AIA Health SIP, a Non-Participating, Unit Linked, Individual Health insurance Plan (UIN:110L184V01), Tata AIA Health Buddy A Non-linked, Non-participating, Individual Health product (UIN: 110N183V01)

  • Cancer Care is available with Tata AIA Health Buddy (UIN: 110N183V01 or any other later version). For more details, please refer to Health Buddy T&C. Applicable benefits payable under TATA AIA Health SIP are Accidental Total and Permanent Disability. Whereas Applicable benefits payable under TATA AIA Health Buddy are Cancer Care. For more details, please refer to Health SIP and Health Buddy T&C.

  • 1As per the duly approved product design and terms & conditions of the product, illustrated premium of ₹742 is the monthly premium for a 20 yr. old Male, Standard Life, for ₹50 Lakh Cancer and ₹50 Lakh ATPD Sum Assured with Policy Term of 30 yrs. (Regular Pay) of Tata AIA Sampoorna Care – Cancer. Please refer Benefit Illustration for more details

  • This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein before concluding sale.

  • 2On Cancer diagnosis, the insured has the option to receive the guaranteed lumpsum benefit as Income or Lumpsum plus income up to 5 years. For more details please refer Sampoorna Care Brochure. 

  • 3Whole of life fund creation is subject to policy continuity with all due premiums paid up to insured age of 100 years. For more details please refer to Health SIP brochure.

  • 42x Benefit shall be payable under TATA AIA Health SIP. For more details, please refer to Health SIP brochure.

  • 5An amount equal to 100% of the Total Premiums Paid (excluding any claims amount already paid) shall be payable at the end of the Policy Term, provided the life assured survives till maturity and the policy is not terminated earlier. This applied to only Health Buddy’s premiums paid and not on total package premium.

  • 6Health Buddy Cancer Care is a complementary wellness program that helps in preventive care through holistic health management. For more details, please refer to Health buddy wellness page. It is the customer’s sole discretion to avail the services. All medical-related services will be directly provided by the Service Providers and not by Tata AIA Life Insurance. 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. For more details on the benefits covered, please refer to the website, contact our Insurance Advisor/Intermediary, or visit our nearest Branch Office.

  • Tata AIA Health Buddy wellness program, along with its scope, service structure and incentivized wellness program (including the reward point structure, not limited to status, parameters, points to be allotted to the parameters, sub limits on each parameter) will be periodically reviewed, and may change in the future basis the experience trends subject to criteria defined in the Board Approved Underwriting Policy (as amended from time to time). Any change to the services will be communicated to the policyholder with a notice period of at least 30 days

  • 7The add-on benefits are completely optional, which can be chosen at inception. For more details please refer please refer to Health Buddy brochure. 

  • 8Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment 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.

  • No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time. 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. 

  • 9All funds open for new business which have completed 5 years since inception are rated 4 or 5 Star by Morningstar as of August 2025.

  • The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the “Company”). Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Health SIP is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. 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.

  • 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. Premium paid in 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.

  • 10©2025 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 data published on various dates and procured from various sources and (5) shall not be construed as an 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 trading decisions, damages or other losses resulting directly or indirectly from the information.

  • 11The premium paid in 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. 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. On survival to the end of the policy term, the Total Fund Value including Top-Up Premium Fund Value valued at applicable NAV on the date of Maturity will be paid

  • 12Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. 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. 

  • 13On cancer diagnosis, insured has the option to take income payouts from 1 to 5 years.

  • 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). Life insurance cover is available under the solution. For details on products, associated risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.

  • 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.

  • Buying a Life 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 all the premiums paid. Unit Linked Life Insurance products are different from traditional insurance products and are subject to risk factors.

  • The solution is underwritten by Tata AIA Life Insurance Company Limited. The solutions are not guaranteed issuance solutions, and it will be subject to Company’s underwriting and acceptance

  • Insurance cover is available under the product.

  • For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.

  • L&C/Advt/2026/Jun/3589