Language

Call us

/content/dam/tataaialifeinsurancecompanylimited/navigations/new-call-us/Close.png

starFOR EXISTING POLICY

Have query on premium, payout or any servicing need?

Dedicated NRI Helpdesk:

Call Icon +91 22 6251 9966

Monday - Saturday | 10 am - 7 pm IST
Call charges apply

Plus IconFOR NEW POLICY

Want to buy a new policy online?

For Indian Residents

Call Icon +91 22 6984 9300

Give missed call for a call back:

Call Icon +91 11 6615 8748

Monday - Sunday | 8 am - 11 pm IST

Exclusively for NRIs

Initiate Internet Call

Data charges may apply

Give missed call for a call back:

call +91 11 4473 0242

Available All Days | 24 x 7

Back Arrow Icon
Close Button
Back Arrow Icon
Close Button

Need help in Choosing the Right Plan?

Need help in Choosing the Right Plan?

+91

    TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solution or related information.
    Select here to opt-in. 

    Tata AIA Benefit Protection Rider


    The Tata AIA Benefit Protection Rider ensures that benefits of the base policy remain intact in the unfortunate event of death/ terminal illness/ accidental total and permanent disability to the Life Assured. With this rider*, let your financial goals remain intact with the continuation of your insurance policy in your absence or any unfortunate insured event

    Looking to buy a new insurance plan?

    Our experts are happy to help you!

    +91

    Select plan
    • Term plans
    • Saving plans
    • Retirement plans
    • Wealth plans
    • I don't know/I need help

    TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in

    • Choose from Two Plan Options

      • Benefit Assure: On death/Terminal Illness to the Life Assured, all the future premiums of the base policy payable, if any, shall be waived off. Further, upon death of the Life Assured, the Base Policy shall continue as in-force till the end of the Policy Term with all the future survival / maturity benefits remaining intact as per the Base Policy.
         

      • Benefit Assure Plus: On death/Terminal Illness / Accidental Total and Permanent Disability to the Life Assured, all the future premiums of the base policy payable, if any, shall be waived off. Further, upon death of the Life Assured, the Base Policy shall continue as in-force till the end of the Policy Term with all the future survival / maturity benefits remaining intact as per the Base Policy.

    • Benefits Of Tata AIA Benefit Protection Rider

      Financial Protection

      Keep the financial planning for your loved ones intact with this rider.

      Easy Premium Payment Options

      Choose from Single Pay, Regular Pay, and Limited Pay options to pay the premium for the rider basis your base policy

      Simple Purchase Process

      A simple and easy process aids in quick access to the benefits. The benefit protection rider* can be included in your base policy at policy inception or policy anniversary with a simple and easy documentation process.

      Affordable Premiums

      Affordable rider premium to safeguard your family’s financial future.

      Income Tax Benefits

      Get income tax# benefits as per applicable income tax laws.

    • How Does This Rider Work?

      The Tata AIA Benefit Protection Rider is an additional layer of protection to your life insurance plan that enables you to keep your policy benefits intact for your family in case of insured events.

      If you opt for this rider*, you can ensure the following benefits from your life insurance plan:

      • The death sum assured will be payable to the nominee as per the base plan.

      • Benefit protection rider will be triggered in the event of unfortunate death/ Accidental total and Permanent Disability/ on the diagnosis of a terminal illness, to the life assured. The base policy will continue till the end of policy term and all the future premiums payable, if any, by the life assured will be waived off.

      • Income benefit/maturity benefit will be payable to the nominee as per the base plan.

    Eligibility Criteria

    Particulars

    Value

    Minimum Age at Entry

    18 years

    Maximum Age at Entry

    65 years

    Maximum Maturity Age

    85 years

    Minimum Rider Term

    1 year

    Maximum Rider Term

    60 years

    Rider Premium Payment Term

    Same as the premium payment term of the Base Policy

    Premium Modes

    Same as the base policy

    All reference to age is as on last birthday.

    Frequently Asked Questions

    Policy Claim

    How can I purchase the Tata AIA Benefit Protection Rider*?

    The Tata AIA Benefit Protection Rider can be included in the base policy during its inception or at renewal.

    Why should I buy the Tata AIA Benefit Protection Rider*?

    The Tata AIA Benefit Protection Rider offers an additional layer of protection to your savings benefit for your family during unpredictable life situations such as your death. You can consider buying the rider* for the following reasons:

    • Keep your policy intact even in your absence

    • The maturity benefit can help your family accomplish their future financial goals or clear off debts

    • The benefits are assured for the entire policy term, and there is no element of risk

    What does the Tata AIA Benefit Protection Rider* Cover?

    With the Tata AIA Benefit Protection Cover, the sum assured for the death benefit as per the base policy will be provided to the nominee in the event of your unexpected death. 

    In addition, if you are diagnosed with a terminal illness or met with an unexpected death, the future premiums will be waived for the entire policy term. Furthermore, the base policy will remain intact till the end of the term, and the benefits will be paid to your nominee at maturity.

    Who should buy the Tata AIA Benefit Protection Rider*?

    Our Tata AIA Benefit Protection Rider can be useful for any person who wants to protect their savings for their family over the long term. However, the following people can consider buying the rider* for their financial security.

    • Sole earning members - If you are the sole earning member of your family, you need to ensure sufficient finances for your family in your absence. While a life cover can be supportive, if you are saving funds regularly for accomplishing your family's specific financial goals, such as their routine expenses, medical needs, etc., you can secure it for their needs. 
    • Married couples - A savings policy is an essential financial instrument in the life of a married couple. It will help in consistently saving funds for your family's future needs. With a benefit protection rider, you can save funds for your spouse and dependent children and ensure it reaches them when they are in extreme need in your absence.

    Disclaimer

    • Tata AIA Benefit Protection Rider - A Non-Linked, Non-Participating Individual Health Rider (UIN: 110B049V01)
    • *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/2024/Mar/0860
    crossImg

    Looking to buy a new insurance plan?

    Existing customer?

    or

    New user? Our experts are happy to help.

    +91

    TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in

    Thank you for sharing your details.

    Our representative will contact you soon.