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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.
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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.
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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.
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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.
Downloads
Frequently Asked Questions
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
How can I raise a claim for the Tata AIA Benefit Protection Cover online?
We offer hassle-free claim settlement processes online. Click here to access our Online Claim Intimation page to raise the claim online.
How can I track the status of my claim?
You can track the status of your claim online by clicking here.
Disclaimer
- Tata AIA Benefit Protection Rider - A Non-Linked, Non-Participating Individual Health Rider (UIN: 110B049V02)
- *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/Jul/1873
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