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Tata AIA Health Pro Plan Snapshot
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Financial protection against Accidental Total and Partial Permanent Disability
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After 5 years lock-in period, use your fund value to cover to cover daily medical expenses, diagnostics, consultations, and treatments.
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Get Income tax5 benefits and save more
- Build your health fund with our Top-Rated funds2
- Option to get covered for whole life till 100 years of age.
- Wellness benefits with Tata AIA Vitality8
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Tata AIA Health Pro
Introducing Tata AIA Health Pro, a comprehensive health insurance solution designed to safeguard you and your loved ones from life’s unexpected health challenges. Whether it's critical illnesses, surgeries, or everyday medical expenses, Tata AIA Health Pro provides fixed benefit payouts and extensive coverage, ensuring peace of mind and financial protection.
Key Benefits of Tata AIA Health Pro
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Accident Total and Partial Permanent Disability
In the event of a total and Partial 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.
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Financial Protection
Ensure your family’s financial security even when you’re not around. Your nominee will receive the higher of the fund value or 105% of total premiums paid (minus any partial withdrawals) as a lump sum if you pass away during the policy term.
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Cancer Care Benefit
With multistage cancer cover, receive a lump sum payout based on your diagnosis: 25% of the sum assured for minor stage cancer and 100% for major stage cancer.
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Smart Lady Benefit
Women policyholders will receive an extra allocation of 0.5% for Limited/Regular pay policies on their first-year premium.
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Choice of Whole Life Cover
Get whole life coverage under the policy until 100 years of age.
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Health Fund
Use your fund value after 5 years lock-in period to pay for regular medical expenses such as medicine bills, doctor visit fee etc.
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Enhance your cover through Riders
You can attach riders4 as well to enhance your protection under the same policy.
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Income Tax Benefits
Get Income tax5 benefits as per applicable tax laws and save more.
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Other Benefits of Tata AIA Health Pro
Family Coverage
Option to extend Accidental total and partial permanent disability cover to your family members.
Return of Mortality Charges
Receive the mortality charges in your fund starting from the 121st policy month.
Return of Premium Allocation Charges
Receive the premium allocation 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.
Eligibility Criteria for Tata AIA Health Pro
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Minimum |
Maximum |
Entry Age |
18 years |
65 years |
Maturity Age |
Health Plus Benefit (ATPPD): 23 years Cancer Care: 28 years |
Health Plus Benefit (ATPDD): 100 years Cancer Care: 85 years |
Policy Term |
Health Plus Benefit (ATPPD) Regular Pay- 5 years Limited Pay - 10 years
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Health Plus Benefit (ATPPD) : Regular Pay – 82 years Limited Pay – 82 years
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Premium Payment Term |
Health Plus Benefit Regular Pay - 5 years Limited Pay – 5 years Cancer Care Regular Pay - 10 years Limited Pay – 8 years |
Regular Pay – 82 years Limited Pay – (Policy Term – 1 year) Cancer care Regular Pay - 10 years Limited Pay – (Policy Term – 1) years |
Sum Assured (AP=Annualised Premium) |
Premium Payment Term - Regular/Limited Pay Sum Assured Multiple for Accidental Total and Partial Permanent Disability (ATPPD) For age up to 49 - 7 times the Annualized Premium
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As per Board Approved Underwriting Policy
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Age as on last birthday
ATPPD above means Accidental Total and Partial Permanent Disability
Please note, policy term for optional benefit (Cancer Care) is 10 years
Why Choose Tata AIA Life?
77 Lakh+
Families protected so far6
Top-Rated Funds
Our funds have been rated 4 or 5 stars2 by Morningstar3
500+ Branches
Presence across major cities in India
1 Lakh Crore+
Assets Under Management (AUM)7
Tata AIA Health Pro – FAQs
How does a ULIP policy help in wealth creation?
Under a ULIP, you can choose from different fund options, and a portion of your premiums will purchase units of the funds. With this investment, you can earn market-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.
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.
Why does one need health coverage?
A health cover that secures you against different health risks such as cancer, accidental disabilities and other illnesses can add an extra layer of financial protection.
A policy like the Tata AIA Health Pro offers multiple benefits such as whole life coverage, a choice of market-linked1 funds to generate and grow your wealth and an option to enhance the protection through addition of riders.
Is there an additional cost for adding riders to the Tata AIA Health Pro?
Yes, adding one or more riders4 to your policy will incur a nominal premium charge. However, the inclusion of a rider will offer added coverage to you and secure you against a range of health conditions.
Can I add my family members under Tata AIA Health Pro?
Yes, you can add your family members i.e., spouse and children under Tata AIA Health Pro.
Disclaimers
- 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 Health Pro (UIN: 110L180V01) - Non-participating, Unit Linked, Individual Health Insurance Plan
- 1Market-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.
- 2All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of August 2024
- 3©2024 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.
- 4Riders 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.
- Tata AIA Health Secure – A Non -participating, Unit Linked, Individual Health Rider (UIN: 110A050V01) and TATA AIA VitaHealth – A Non -participating, Non-Linked, Individual Health Product (UIN: 110N181V01) are available with this plan.
- 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 implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
- 6777,26,727 families protected till December ’23.
- 7As on 03rd April 2024, the company has a total Assets Under Management (AUM) of Rs.100,099.11 Crores
- 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.
- 8TATA AIA Vitality: A Wellness Program that offers you an upfront discount on Vitality Protect Advance premium. You can also earn premium discount/cover booster (as applicable) for subsequent years on policy anniversary basis Vitality Status tracked through the Tata AIA Vitality app. Stay active to avoid an increase in premium at bronze or silver status and be rewarded for your fitness with a discount at Gold and Platinum status. Check Vitality welcome letter in your policy document for more information.
- Vitality is a trademark licensed to Tata AIA Life by Amplify Health Assets PTE. Limited, a joint venture between Vitality Group International, INC. and AIA Company Limited.
- The assessment under the wellness program shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
- Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Health Pro is only the name of the Unit Linked health Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
- The fund is managed by Tata AIA Life Insurance Company Ltd.
- For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
- Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
- All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
- Please make your own independent decision after consulting your financial or other professional advisor.
- Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
- Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.
- The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
- Premium paid in the Unit Linked Life Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the Insured is responsible for his/her decisions.
- Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the Insurance Company.
- Insurance cover is available under the product.
- The products are underwritten by Tata AIA Life Insurance Company Ltd.
- The plans are not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
- For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
- L&C/Advt/2024/Oct/3158
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