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Tata AIA Health Secure

Tata AIA Health Secure offers fixed benefit payouts for health needs, covering 57 critical illnesses, unlimited daycare procedures, surgeries, and hospitalization, regardless of hospital bills. It provides end-to-end healthcare solutions, including consultations, physiotherapy, diagnostics, medicines, health check-ups, dental care, digital yoga, nutrition, and emotional wellness tools like podcasts and mood trackers. You can choose between cashless, or reimbursement claims and also enjoy the Tata AIA Vitality² Program to promote a healthier lifestyle.

Benefits Of the Tata AIA Health Secure

SurgiCash

Provides fixed payouts for surgeries covered by the rider¹, including unlimited daycare surgeries like cataracts and dental treatments.
HospiCash

Provides fixed amount benefit per day ranging from Rs. 500/- till 20,000/- as chosen by you.
ICU Benefit

Provides double benefit (2x) of HospiCash per day benefit in case of ICU hospitalization.
Recuperation Benefit

An extra 5% of the HospiCash amount is paid if you're hospitalized for at least 7 continuous days.
CritiCash

Provides payout on diagnosing of any of the 57 critical illnesses covered under the policy. The multistage payouts cover Minor, Major, and Catastrophic conditions.
Family Cover

Get your family members protected with comprehensive health cover by adding them in the same policy.
Child Care

Provides payout on diagnosing of any of the 20 juvenile critical illnesses for your child.
Ambulance Benefit

Provides fixed payouts for the ambulance cost incurred.
Covers Pre-existing Diseases

Pre-existing diseases and their treatment costs are covered under this rider after 36 months.
Wellness Benefit

It offers the Tata AIA Vitality program benefits that motivate you to live healthier life and get discount³ on rider premium amount.

The Tata AIA Health Secure will enhance the financial coverage based on the following add-on benefits:

Restoration Benefit: On exhaustion of annual limits, get your HospiCash and SurgiCash Sum Assured restored automatically for further claims.

Diagnostic Test Benefit: Additional 5% of claim amount up to Rs. 25,000/- is payable towards Diagnostic Tests and Procedures.

Overseas Treatment Booster (OTB): Additional 10% of CritiCash sum assured to manage expenses like travel, accommodation, companion cost on availing major CI treatment in abroad.

Exclusive options under Outpatient Consultation benefit

In addition to the above benefits, you can avail exclusive benefits by choosing one of the following:

OPD Prime
OPD Elite
OPD Royal

Below is the summary for the individual benefits available under each option

	Benefit Category	Benefit details	OPD Prime	OPD Elite	OPD Royal
Virtual consultations (Cashless only)	Virtual Consultations	Tele-Consultations via Chat/Phone/Video with GP	Unlimited	Unlimited	Unlimited
		Tele-Consultations via Chat/Phone/Video across 18+ Specialties
	Emotional Wellness	Tele-Consultations via Chat/Phone/Video with Psychologists- 24*7
	Nutrition Management	Teleconsultations with Nutritionists & Health Coaches
Wellness & Assistance (On cashless basis only)	Preventive health check up	On cashless basis only and within vendor network.	Yes	Yes	Yes
	Dental wellness	Preventive screening and dental cleaning/polishing/ scaling	Yes	Yes	Yes
	Chronic Care Management*	Chronic Disease Management Programs for conditions like Thyroid Management, Hypertension, Weight Management & Alcohol/Smoking Cessation etc	Basic Health Coaching. Unlimited Inbound & regular outbound calls	Basic Health Coaching. Unlimited Inbound & regular outbound calls	Basic Health Coaching. Unlimited Inbound & regular outbound calls
	Yoga Sessions- Digital via App	Digital Yoga and wellbeing as courses to be added for Tata AIA, additionally monthly yoga webinars to be completed (live sessions)	Yes	Yes	Yes
	Value Added Services	Discounted Pharmacy Ordering - In Store / Home Delivery (Upto 15% discount)	Yes	Yes	Yes
	Value Added Services	Discounted Diagnostics- Home Sample collection/Centre Visit (Upto 20% discount)	Yes	Yes	Yes
OPD coverage (On cashless + reimbursement basis)	Outpatient Consultations (Cashless & Non-cashless available)	In-person OPD Consultations with General Physicians & Specialists (Cashless & Non-cashless available)		5 (In case of reimbursement-fixed benefit i.e credit of Rs 500 per consult, in wallet)	10 (In case of reimbursement-fixed benefit i.e credit of Rs 500 per consult, in wallet)
	OPD Treatment	Diagnostic Cover (Pathology + Radiology) (Minor Procedures) (Cashless & Non-cashless available)		5 (wallet credit of Rs 1000 per prescribed incident)	10 (wallet credit of Rs 1000 per prescribed incident)
		Pharmacy Cover- On cashless basis only. Wallet credit of Rs 500 each on every prescribed incident.		5 (Wallet credit of Rs 500 each on every prescribed incident)	10 (Wallet credit of Rs 500 each on every prescribed incident)
		Prescribed Physiotherapy Sessions (Cashless & Non-Cashless available)		5 (In case of reimbursement- fixed benefit credit of Rs.1000 per prescribed session, in wallet)	10 (In case of reimbursement- fixed benefit credit of Rs.1000 per prescribed session, in wallet)
					Reimbursement in common wallet. Wallet balance can be used for other services also on vendor platform

Health conditions have always been one of the most uncertain and unfortunate event in a person’s life. Technological developments have brought in lifestyle changes which have added on to this uncertainty. There is a growing need to visit doctors for regular medical consultation and treatments. To provide you cover against these regular unexpected expenses, customers can avail the above outpatient consultation benefits.

What Are Riders?

Riders¹ are optional add-on covers that enhances your insurance coverage by providing extended financial support during a specific event during the policy term. For example, a critical illness cover provides the insured amount if the policyholder is diagnosed with any of the covered critical illnesses subject to the stated terms and conditions. And the insured amount can be used to pay for the treatment expenses.

Riders are available with an additional charge and are undoubtedly worth the investment. Every rider covers a set of specific risks and provides the insured amount in addition to the base plan.

Benefits Of Adding Riders to Life Insurance Plans

Additional Financial Coverage

Adding riders¹ to base plan will cover specific risks and provide additional financial benefits in the event of any unfortunate events.

Affordable

Compared to purchasing a separate product for managing emergencies or specific events in life, purchasing a rider by paying an additional premium is considered as an affordable option.

Flexibility

As the add-on riders are optional, you can purchase them based on your requirements considering the risks that you feel must be covered based on your lifestyle and family medical history. Moreover, you can determine the fixed benefits that you might feel is needed during your toughest times. Truly giving you an experience of making your own plan.

Convenience

Adding riders to base plan is convenient. You can add it online at the time of purchase and pay the applicable premium together instead of managing to pay for the coverage separately.

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Frequently Asked Questions

Are surgery expenses covered under Tata AIA Health Secure?

Yes, Tata AIA Health Secure covers a wide range of surgeries related to the different organs in the body and provides a fixed benefit payout on occurrence of the event. In addition, the rider provides coverage for unlimited Day Care surgeries like cataracts, dental treatment, etc.
What is the advantage of adding a rider that provides the critical illness benefit?

An advantage of additional financial support if the policyholder gets diagnosed with a critical illness.
Are dental surgeries and eye cataract operation expenses covered under TATA AIA Health Secure Rider?

Yes, Tata AIA Health Secure Rider provides payouts for dental surgeries and eye cataract operation under day care procedures category.
Are the expenses related to Cancer Chemotherapy and Radiotherapy for Cancer covered under TATA AIA Health Secure plan?

Yes, the Cancer Chemotherapy and Radiotherapy for Cancer expenses are covered under TATA AIA Health Secure plan under Day Care procedures.
Who should purchase Tata AIA Health Secure Rider?

Considering the changing lifestyle conditions and the increasing medical expenses, it is important for every individual to have financial coverage for health-related expenses. And it is highly crucial for individuals having pre-existing diseases and a family history of diseases such as cancer. It can help them cover the medical expenses for wide-ranging diseases, critical illnesses, surgeries, and Day Care procedures.
Are the hospitalization expenses covered if I am admitted into the ICU (Intensive Care Unit)?

Yes, Tata AIA Health Secure Rider provides a fixed amount of cash daily as a hospitalisation benefit for 24 hours or more, ranging from Rs. 500/- as decided by you. And the benefit is doubled in case of ICU admission.
What is the Tata AIA Vitality Program?

The Tata AIA Vitality Program is a holistic wellness program that empowers and rewards customers based on its personalised approach to guiding them in their wellness routine to help them lead healthier and happier lifestyles. Customers can avail of regular health check-ups and resort to wellness activities, ensuring a healthy body condition. In addition, it provides upfront and renewal discounts on their rider premium amount.
How can I access the Tata AIA Vitality Program benefits?
The Tata AIA Vitality Program² benefits are accessible through a user-friendly mobile application. It has three sections:
- Know Your Health - Helps assess current health and wellness conditions.
- Improve Your Health - Provides weekly activities and challenges to improve physical, mental, and social well-being.
- Get rewarded - Offers rewards on premiums in the form of discounts³ on rider premium upon reaching certain specific milestones related to wellness.
How many family members can be added under Health Secure rider?

You can add your spouse and up to 3 children under Health Secure rider.

Disclaimer
- Tata AIA Health Secure - A Non -participating, Unit Linked, Individual Health Rider (UIN: 110A050V01)
- ¹Riders are not mandatory and are available for a nominal extra cost. For more details on the benefits covered, rider charges and exclusions under the Riders please refer to the Rider Brochure or contact our Insurance Advisor/ Intermediary or visit our nearest Branch Office.
- ²Tata AIA Vitality - A Wellness Program that offers you an upfront discount at policy inception. You can also earn premium discount / cover booster (as applicable) for subsequent years on policy anniversary basis your Vitality Status (tracked on Vitality app) Please refer rider brochures for additional details on health and wellness benefits.
- 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 (Tata AIA Vitality) shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
- ³On enrolling into the wellness Program, you get an upfront discount of 10% on first year premiums. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the upfront rewards and annual rewards together shall be 30% for all other benefit options. Discount is driven by accumulated points which is achieved through wellness status. Please refer policy document for more details.
- This Rider is underwritten by Tata AIA Life Insurance Company Ltd. This Rider is not a guaranteed issuance Rider, and it will be subject to Company's underwriting and acceptance.
- This rider is currently available with TATA AIA Health Pro – A Non-Participating, Unit Linked Individual Health Insurance Plan (UIN: 110L180V01)
- 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.
- Insurance cover is available under this product.
- For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
- 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.
- For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
- Discount on policy will be subject to sales literature and policy contract.
- Coverage for minor lives and under family floater is subject to Underwriting.
- L&C/Advt/2024/Oct/3154