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      Tata AIA VitaHealth Plan Snapshot

      • Financial protection against death, disability and illnesses

      • Avail the benefit of policy loans for health-related expenses

      • Get Income tax5 benefits as per applicable tax laws.

      • Get early Return of Premium benefit1 in case of health-related expenses
      • Unlock exclusive savings with multiple discounts2
      • Wellness benefits with Tata AIA Vitality3
      Need assistance?
      Let our experts get back to you.
       

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      Key Benefits of Tata AIA VitaHealth

      • Enhanced Life Protection

        In the event of a total and Partial Permanent disability caused by an accident and / or death due to an accident you will receive a lump-sum benefit payout to cover to cover essential expenses and maintain your quality of life.

      • Terminal Illness with Term Booster

        The insured amount under this option is payable in the event of diagnosis of Terminal Illness or death (whichever happens first) of the life insured, the benefit amount is paid depending on the payout option chosen.

      • SurgiCash Benefit

        Provides fixed payouts on undergoing any of the surgeries covered under the rider. In addition, it provides payouts for unlimited Day Care surgeries such as cataracts, dental treatment, etc.

      • HospiCash Benefit

        Provides fixed amount benefit per day ranging from Rs. 500/- as chosen by you.

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

        b. Recuperation Benefit: Extra 5% of HospiCash sum assured is paid out in case of continuous hospitalization for at least 7 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.

      • Return of Balance premiums

        You can opt for the 'Return of Balance Premium' with plans options Terminal Illness with Term Booster (TTB), Accidental Total and Partial Permanent Disability (ATPPD) and Add-on Benefits: Accidental Death Benefit.

      • Income Tax Benefits

        Get Income tax5 benefits as per applicable tax laws and save more.


       

      • Other Benefits of Tata AIA VitaHealth

        • Family Coverage

          Option to extend Accidental total and partial permanent disability cover to your family members.

        • Premium Discounts2

          The policyholder can reduce the amount they need to pay for the policy premium.
           

          Sr. No.

          Name

          Discount

          1

          Smart Lady Discount

          2% on first year premium for regular/limited pay

          For Female & Girl Child

           0.5% on premium for single pay

          2

          Transgender Discount

          2% on first year premium for regular/limited pay

          For transgender

           0.5% on premium for single pay

          3

          Super 30 Discount

          2% on first year premium for regular/limited pay

          For people less than or equal to 30 years of age as on last birthday

           0.5% on premium for single pay

          4(a)

          Staff Discount

          10% on first year premium for regular/limited pay

          Eligible for all employees of the Promoter group namely the Tata and the AIA Group, its subsidiaries, fellow subsidiaries, and Joint ventures (includes TATA AIA Life amongst others), and their associates

          1% on premium for single pay

          4(b)

          Existing Customer Discount

          10% on first year premium for regular/limited pay

          For those who have already purchased policy from TATA AIA

          1% on premium for single pay

          4(c)

          Worksite Discount

          10% on first year premium for regular/limited pay

          For policies sourced through campaigns/ stalls / help desks or similar engagement activities conducted for a group.

          1% on premium for single pay

          5

          Tata AIA Vitality3 
          Discount

          10% upfront discount and Flex discount Annually~

          If enrolled for the wellness program offered by TATA AIA Life insurance company

          ~depends on health condition

           

        • Other benefits applicable under Health options:

          a. Child Care: Provides payout on diagnosing of any of the 20 juvenile critical illnesses for your child.

          b. Ambulance benefit: Provides fixed payouts for the ambulance cost incurred.

        • Flexible Payout Options

          On occurrence of the insured event, you can choose to receive the product benefits through any of the following options based on your needs / goals:

          a) Lump sum OR  

          b) Combination of Lump sum and/or income for a fixed income period chosen

          c) Income till survival of chosen dependant partner(s) (Partner Care)

      Eligibility Criteria for Tata AIA VitaHealth
       

      Parameters Option HospiCash SurgiCash CritiCash ATPPD ADB TTI Child Care Benefit

      Entry Age

      		 Major Lives 18 - 65 Years NA
      Minor Lives 91 days – 17 years NA 4 years – 17 years

      Max Maturity age

      		 Major Lives 100 years 85 years NA
      Minor Lives 100 years NA 25 years

      Policy term4

      		 Without return of balance premium 12 to 60 months 12 to 804 months 12 to 984 months

      Subject to maximum maturity age of 25 years
      With Return of balance premium NA 120 to 804 months 120 to 984 months

      Premium Payment Term

      		 Without return of balance premium 12 to 59 months 12 to 803 months 12 to 983 months

      Max - 25 years less age at entry
      With Return of balance premium NA 60 to 803 months 60 to 983 months
      Min Sum Assured Rs. 500/- per day Rs. 50,000/- Rs. 1,00,000/- Rs. 25,000/- Rs. 25,000/- Rs. 25,000/- Rs. 1,00,000/-

      Max Sum Assured

      As per Board Approved Underwriting policy


      Other than Regular Premium (RP) option, you have an option to choose from Single Premium (SP) and Limited Pay (LP) as per the table above, age as on last birthday
       

      Download

      Download Product Brochure
      Download Policy Document
      Download Customer Information Sheet



      Tata AIA VitaHealth – Frequently Asked Questions

      • What are the benefits of opting for the Tata AIA Vitality Wellness3 Program?

        The life Assured(s) of Tata AIA Vitality Protect Advance who are eligible for Health Management Services may avail Second Opinion / Personal Medical Case Management / Medical Consultation services from service provider(s) affiliated to/registered with the Tata AIA Life Insurance Co. Ltd. The services are expected to assist the life Assured(s) to ascertain correct diagnosis of a medical condition and obtain due care for the life Assured(s) in case of illness. 

        These services are subject to: 

        • the availability of suitable service provider(s)
        • primary diagnosis has been done by a registered medical practitioner as may be authorized by a competent statutory authority.
        • Health Management Service is available to be utilized throughout the policy term, subject to prevailing eligibility conditions.
        • the eligibility of the life Assured(s) as may be determined by Board Approved Underwriting Policy which will be reviewed periodically and updated on our website. The changes shall apply without any discrimination to all existing and new customers of the product.  
        • Policyholders can check their eligibility by visiting our website or contacting the Call Centre.
        • Whenever the eligibility criteria changes or the service is withdrawn, the same shall be communicated to all the policyholders. Prior to effecting any changes, we shall inform the same to IRDAI.

      • Is there an additional cost for adding riders to the Tata AIA VitaHealth?

        Yes, adding one or more riders 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 VitaHealth?

        Yes, you can add your family members i.e., spouse and children under Tata AIA VitaHealth

      • What are the premium payment modes available under this product?

        The premium payment modes under the product are – Single, Monthly, Quarterly, Half-yearly and Annual.

      • How do I claim the benefits under the product?

        To file a claim with us, you can contact us via email or a 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.

      • Disclaimer
        • Tata AIA VitaHealth - A Non -participating, Non-Linked, Individual Health Plan (UIN: 110N181V01)
        • 1Benefit of early ROP allows the customer to get the Maturity benefit under Tata AIA VitaHealth in advance, up to certain percentage of Total premiums paid for hospitalization, Surgery, Critical illness including treatments for maternity and infertility etc. For more details kindly refer to sales brochure.
        • 2Discounts are applicable on the premium paid by the policyholder, as per the applicability of different discount conditions as mentioned in the discount table above.
        • 3TATA 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.
        • 4Note: For Accidental Total and Partial Permanent Disability (ATPPD), Accidental Death Benefit
        • (ADB) and Terminal Illness with Term Booster (TTI) -: In case the policyholder opts for ‘Partner Care’ option, then minimum policy term shall be at least 60 months.
        • 5 Income 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.
        • ~On enrolling into the Wellness Program, you get an upfront discount of 5% on 1st year premium for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care Benefits and of 10% on 1st year premium for Term Booster, CritiCare Plus, Accelerated CritiCare, Multistage CritiCare, Cancer Care, Cardiac Care. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the Up-front Rewards and Annual Rewards Flex together shall be 15% for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care and 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.
        • 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.
        • This product is underwritten by Tata AIA Life Insurance Company Ltd. This product is not a guaranteed issuance product, 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.
        • Insurance cover is available under the Tata AIA products and are underwritten by Tata AIA Life Insurance Company Limited.
        • L&C/Advt/2024/Oct/3157

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