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A Non-Linked, Non-Participating, Individual Health Insurance, Pure Risk Premium Rider (UIN:110B028V04)


A Non-Linked, Non-Participating, Individual Health Insurance, Pure Risk Premium Rider (UIN:110B028V04)

Tata AIA
Accidental Death and Dismemberment (Long Scale) (ADDL) Rider

  1.  Get financial protection for your family in case of death or severe dismemberment

  2.  Get Income tax# benefits as per applicable tax laws

  3.  Get peace of mind with long term coverage

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When accidents occur, expensive treatment and medical care can cause a dent in your hard-earned savings. Ensuring this does not happen means preparing a separate fund covering physical disability and hospitalisation. The Tata AIA Accidental Death and Dismemberment (Long Scale) (ADDL) Rider adds extra coverage to your life insurance policy so that you and your family can maintain financial stability during uncertain events that lead to accidental death and disability.

Tata AIA Accidental Death and Dismemberment (Long Scale) (ADDL) Rider


The Tata AIA Accidental Death and Dismemberment (Long Scale) (ADDL) Rider helps cover situations leading to accidental death and disability of the life insured. Since an uncertain event can mean loss of income or treatment expenses, the rider offers a payout benefit on the occurrence of any accidental event that causes the loss or damages the functioning of a body part. If this loss or damage is severe enough to cause a disability, the rider^ becomes effective.

Similarly, if the life insured passes away due to an accident, the rider will pay out the benefit to the beneficiaries. This rider sum assured amount is over and above the sum assured benefit of the base life insurance policy.

Tata AIA Accidental Death and Dismemberment (Long Scale) (ADDL) Rider


The Tata AIA Accidental Death and Dismemberment (Long Scale) (ADDL) Rider helps cover situations leading to accidental death and disability of the life insured. Since an uncertain event can mean loss of income or treatment expenses, the rider offers a payout benefit on the occurrence of any accidental event that causes the loss or damages the functioning of a body part. If this loss or damage is severe enough to cause a disability, the rider^ becomes effective.

Similarly, if the life insured passes away due to an accident, the rider will pay out the benefit to the beneficiaries. This rider sum assured amount is over and above the sum assured benefit of the base life insurance policy.

What Does the Tata AIA Accidental Death and Dismemberment (Long Scale) ADDL Rider Cover?


The Tata AIA Accidental Death and Dismemberment (Long Scale) (ADDL) Rider offers coverage for the following accidental death and dismemberments:



A number of other dismemberments are covered under this rider, and a certain percentage of the rider^ benefit is paid out on the occurrence of the dismemberment as per the plan eligibility criteria. Please refer the rider brochure for more details to know the amount of benefit (Percentage of Rider Sum Assured) covered under the plan.
 

Benefits of the ADDL Rider

  • Affordable Premiums

    The Tata AIA Life Insurance ADDL rider carries a nominal premium charge that does not add the extra cost of another policy to your existing policy. You only pay a small amount for more benefits.

  • Comprehensive Protection

    The additional coverage ensures that due to any uncertain event your family is protected against unforeseen circumstances.

  • Double Benefit

    Under specific conditions, the benefit paid out by the accidental death and disability rider can be doubled. This will be twice the sum assured amount than generally paid out. To know more about specific cases, please refer the rider brochure.

  • Financial Security

    In the event of an accidental death or dismemberment, your family can financially secure their needs and the cost of the treatment. This enables them to keep their life savings intact.

Eligibility Criteria

Minimum Age at Entry

As per the base plan or 18 years, whichever is higher

Maximum Age at Entry

As per the base plan or 65 years, whichever is lower

Maximum Maturity Age

Maximum Maturity Age of the base

plan or 85 years, whichever is lower

Minimum Sum Assured

₹50,000 or minimum sum assured of

the base plan, whichever is lower

Maximum Sum Assured

Sum Assured chosen for the base

plan (subject to underwriting)

Premium Modes

Same as the base plan

Rider Coverage Term

Subject to the base plan’s policy term

or age 85 (the earlier)

Premium Payment Term (PPT)

Same as PPT of the base plan or up to age 85, whichever is earlier

See All See Less

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Frequently Asked Questions

How to choose a suitable rider for your life insurance policy?

When choosing a rider to add to your policy, first evaluate what potential risks you want to secure yourself against. For instance, if you feel that accidental death is one risk you may need financial coverage for, you can add the Tata AIA Accidental Death and Dismemberment (Long Scale) (ADDL) rider to your policy.

What is the double benefit under the Tata AIA Accidental Death and Dismemberment (Long Scale) (ADDL) Rider?

If the insured suffers accidental injuries under specific conditions, as mentioned under the rider, the benefit amount to be paid out will be doubled. This is applicable when an accidental injury occurs in specific conditions. Please refer the rider brochure to know about the specific conditions covered under the plan.

Does the rider benefit have to be claimed separately?

In case of accidental injuries and dismemberments, only the rider's claim can be filed since these risks are covered only by the rider. In the event of accidental death, the base policy’s death benefit and the rider benefit can be claimed.

Do optional riders offer tax benefits?

Yes, optional riders also have tax# benefits as per applicable income tax laws.

Disclaimer

  • The complete name of Tata AIA Accidental Death and Dismemberment (Long Scale) (ADDL) Rider is Tata AIA Life Insurance Accidental Death and Dismemberment (Long Scale) (ADDL) Rider (UIN:110B028V04) - A Non-Linked, Non-Participating, Individual Health Insurance, Pure Risk Premium Rider

  • ^Riders 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.

  • #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 implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.

  • 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.

  • 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 Life 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.

  • L&C/Advt/2023/Nov/3941

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