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Tata AIA Vitality Protect Advance
Tata AIA Vitality Protect Advance is a comprehensive plan designed to not only safeguard you against life's uncertainties but also actively support your journey toward a healthier lifestyle. It’s more than just insurance – it’s a partner in your path to living a longer, healthier, and worry-free life.
Benefits at a Glance
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Enhanced Life Protection
Get comprehensive coverage against death, accidental death, disability, and illness.
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Cancer Care
Coverage for cancer diagnosis, providing financial support during treatment.
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Cardiac Care
Receive financial protection for major or minor cardiac conditions, helping with heart-related medical expenses.
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Terminal Illness with Term Booster (TTB)
Receive early payout upon death or terminal illness diagnosis, offering critical financial assistance during unforeseen events.
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Accidental Total & Permanent Disability (ATPD)
Get Coverage for total and permanent disability from accidents, ensuring income protection.
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Accidental Death Benefit
This plan provides financial support in case of death due to an accident to help your family during the difficult time.
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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 Permanent Disability (ATPD) and Add-on Benefits: Accidental Death Benefit.
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Income Tax Benefits
Get income tax3 benefits as per applicable tax laws in India.
Additional Benefits
Tata AIA Vitality6
Tata AIA Vitality is a globally recognised, science-based wellness6 program that helps you understand and improve your health while rewarding you. The rewards from the program can be used to avail Premium Discount.
Prevention: In case of identification of any health risk company may provide access to resources/partners who can help manage the risk.
Return of Balance Premium
The product also offers a Return of Balance Premium option, where the ‘Total Premiums Paid’ (excluding modal premium loading) are refunded, minus any claims paid under the benefit option and any premium discounts or cashback earned through the wellness program.
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:
Lump sum OR
Combination of Lump sum and/or income for a fixed income period chosen
Income till survival of chosen dependant partner(s) (Partner Care)
Eligibility Criteria for Tata AIA Vitality Protect Advance
Entry Age |
Minimum |
Maximum |
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Minor Lives |
Major Lives |
Minor Lives |
Major Lives |
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All benefit options / add-on options)- NA |
All benefit options / add-on options)- 18 |
All benefit options / add-on options) - NA |
All benefit options / add-on options) - 65 |
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Policy Term |
Without Return of Balance Premium Option (in months) |
With Return of Balance Premium Option (in months) |
Without Return of Balance Premium Option (in months) |
With Return of Balance Premium Option (in months) |
Cancer Care, Cardiac Care, Terminal Illness with Term Booster4, Accidental Total and Permanent Disability4, Accidental Death4- 12 |
Cancer Care, Cardiac Care - NA |
Cancer Care, Cardiac Care - 60 |
Cancer Care1, Cardiac Care1 - NA |
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Premium Payment Term |
Cancer Care, Cardiac Care, Terminal Illness with Term Booster5, Accidental Total and Permanent Disability5, Accidental Death5- 12 |
Cancer Care, Cardiac Care - NA |
Cancer Care, Cardiac Care - 59 |
Cancer Care, Cardiac Care - NA |
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Sum Assured Coverage2 |
Lump sum / ‘Combination of lump-sum and income for a ‘fixed income period’ - ₹ 25,000 |
Subject to Board Approved Underwriting Policy (BAUP) |
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Frequency of premiums |
Premiums are payable in yearly, half-yearly, quarterly & monthly modes. The Modal Premium of the policy is arrived at as below: |
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Payment Mode |
Modal Premium |
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Monthly |
Annualised Premium X 0.0883 |
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Quarterly |
Annualised Premium X 0.2600 |
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Half-Yearly / Semi-Annual |
Annualised Premium X 0.5100 |
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Yearly / Annual |
Annualised Premium X 1.0000 |
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All ages are as on last birthday and are applicable to the life insured under the Benefit Option.
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Frequently Asked Questions
What are the benefits of opting for the Tata AIA Vitality Wellness6 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.
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.
What are the minimum and maximum premium payment terms available under this product?
The premium payment terms (PPT) under this product are as follows:
Single Pay – 1
Limited Pay – Minimum PPT: 5, Maximum PPT: Benefit Option Term minus 1
Regular Pay – Same as the term of the benefit option
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 Vitality Protect Advance - A Non-Linked, Non- Participating Individual Health Product (UIN 110N178V01)
Subject to maximum maturity age of 85 Years.
2Minimum/maximum Sum Assured will be subject to Underwriting
3Income 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.
4Note: In case the policyholder opts for ‘Partner Care’ option, then minimum policy term shall be at least 60 months.
5Note: In case the policyholder opts for ‘Partner Care’ option, then apart from Single Pay (SP) option, minimum premium payment term shall be at least 60 months.
6TATA 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.
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/Sep/2768
