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Invest in a Worry-Free Future with InstaProtect Solution
Life is full of uncertainties. Therefore, it’s very important to protect yourself and those whom you love the most i.e. your family. You must take care of the two most crucial aspects for your loved ones –good health and financial security. To achieve this, you will have to opt for two policies - Life Insurance as well as Health Cover. But it is neither an affordable deal nor a wise decision. Paying for both every month can get unbearable. When expenses start mounting, dropping one or the other seems to be the only solution. No worries! Now, you no longer have to pay two premiums. Enjoy comprehensive protection with a single smart solution, Tata AIA Life Insurance InstaProtect solution. It not only ensures financial security, but also empowers you financially to afford quality treatment, especially when medical expenses are soaring by the day. You and your family will no longer have to worry even if your health takes an unexpected turn. Tata AIA Life Insurance InstaProtect solution is a thoughtfully-packaged combination of Life Cover and Health Cover, reinforced with #TataAIAKaBharosa.
Trusted Brand with High Claim Settlement Ratio2
Why Choose
Tata AIA Life Insurance
InstaProtect Solution?
Plan Highlights
Comprehensive Protection for Life and Health
Flexibility to get Return of Premiums$
Express Issuance+
Avail Tax benefits^^ as per applicable tax laws
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Disclaimer
- InstaProtect Solution comprises of Tata AIA Life Insurance Sampoorna Raksha Supreme (Non-Linked, Non-Participating, Individual Life Insurance Plan) (UIN: 110N160V03); Tata AIA Vitality Protect (UIN: 110B046V01) - A Non-linked, Non-participating, Individual Health Rider; Tata AIA Vitality Health (UIN: 110B045V01) - A Non-linked, Non-participating, Individual Health Rider.
- Tata AIA Life Insurance Sampoorna Raksha Supreme (Non Linked, Non Participating, Individual Life Insurance Plan) (UIN: 110N160V03) is also available individually for sale.
- Critical Illness, Accidental Death, Accidental Disability are available with Tata AIA Vitality Protect (UIN: 110B046V01 or any other later version). Hospitalization Benefit is available with Tata AIA Vitality Health (UIN: 110B045V01 or any other later version).
- All reference to age is as on last birthday.
- Insurance cover is available under this solution.
- **Illustrated premium is the Monthly premium (excluding taxes) for 18 year old Female, Standard life, non Smoker for a package Sum Assured of 25 Lac for 40 years, Regular Pay, non ROP option. For details / break of Package Sum Assured please refer website (InstaProtect Solution - Buy Term Insurance with Riders | Tata AIA Life Insurance). All Premiums are subject to applicable taxes, cesses & levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium. Tata AIA Life shall have the right to claim, deduct, adjust, recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy. Kindly refer the sales illustration for the exact premium.
- The solution is not a guaranteed issuance plan and it will be subject to company’s underwriting and acceptance. The solution will be underwritten by Tata AIA Life Insurance Company Limited. Additional Requirements may be called at underwriters’ discretion. In case of sub-standard lives extra premiums will be charged as per our underwriting guidelines.
- For more details on the benefits, premiums and exclusions under the Base product and rider, please refer both Product and Rider brochure or contact our Insurance Advisor /Intermediary or visit our nearest branch office.
- Buying a life Insurance policy/rider is a long-term commitment. An early termination of the policy/ benefit option under a rider usually involves high costs and the surrender value payable may be less than all the premiums paid.
- +Express Issuance for standard lives.
- $At the time of purchase, if the policyholder chooses to opt for a Return of Balance Premium option -For Sampoorna Raksha Supreme (Life Plus Option), an amount equal to the 105% of the Total Premiums Paid towards the product (excluding loading for modal premiums) shall be payable at the end of the Policy Term, provided the life assured survives till maturity and the policy is not terminated earlier. For Tata AIA Vitality Protect and Tata AIA Vitality Health, an amount equal to the Total Premiums Paid towards the respective benefit option (excluding loading for modal premiums), less any claim amount already paid out under the respective benefit option and any premium discounts availed under the Wellness Program as premium discounts or premium cashback, shall be payable at the end of the benefit option term, provided the benefit option is not terminated.
- 2Individual Life Claim Settlement Ratio is 98.53% for FY 2021 - 22 as per the latest annual audited figures.
- ***Claims beyond three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later. Subject to all the relevant terms and conditions of the policy contract.
- ~~Additional Package Sum Assured++ options are available in this solution.
- ++The package Sum Assured is the maximum total coverage under the respective package and is the sum addition of the individual risks Sum Assureds payable on occurrence of various insured events. Payouts will be restricted to applicable benefit mentioned against the corresponding risk as per the product or rider terms and conditions. For details / break-up of Package Sum Assured please refer website (InstaProtect Solution - Buy Term Insurance with Riders | Tata AIA Life Insurance) Please refer Tata AIA Website for details.
- ^^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.
- **All Premiums are subject to applicable taxes, cesses & levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium. Tata AIA Life shall have the right to claim, deduct, adjust, recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy. Kindly refer the sales illustration for the exact premium.
- L&C/Advt/2022/Nov/2912
