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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.
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.
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.
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.
Provides payout on diagnosing of any of the 57 critical illnesses covered under the policy. The multistage payouts cover Minor, Major, and Catastrophic conditions.
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.
Get Income tax5 benefits as per applicable tax laws and save more.
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 |
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)
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
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:
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:
Alternatively, you can also visit any of our Tata AIA Life Insurance Company branch offices to file a claim for the product benefits.