Key rider benefits:

  • You can choose one or more benefit options (risk covers), from a list of 5 available options, including disability, hospitalization, and illness.
  • The rider provides coverage against both major illnesses, and minor injuries or illnesses, while allowing multiple claim payouts.
  • Flexibility to receive benefit as combination of lump-sum and income for fixed period, or either as lump-sum, or monthly income for up to 10 years.
  • You can extend protection to your loved ones under the same plan.
  • Option to receive the return of balance premiums on maturity.
  • Rider can be opted either while taking the policy, or at the time of any policy anniversary.
  • Personal Medical Case Management (PMCM)#: Get advice from global experts with 24/7 multiple consultation services for 3 months in case of heart ailments or cancer. Click here to know more.
  • The Tata AIA Life Insurance Linked Comprehensive Health Rider is available with Tata AIA Life Insurance Smart Sampoorna Raksha, Tata AIA Life Insurance Fortune Pro, Tata AIA Life Insurance Wealth Pro, Tata AIA Life Insurance Wealth Maxima & Tata AIA Life Insurance Fortune Maxima.


  • #Medical Second Opinion/Personal Medical Case Management is an optional service offered to you at no additional cost. The eligibility of the Life Insured to avail these services shall be determined by the Company from time to time You may exercise your own discretion to avail the services and to follow the treatment path suggested by the service provider. These services shall be directly provided by the service provider. The services can be availed only where policy/rider is inforce. All the supporting medical records should be available to avail the service. We reserve the right to discontinue the service or change the service provider at any time. The services are being provided by third party service provider and Tata AIA Life Insurance Company Ltd will not be liable for any liability.
  • Riders are not mandatory, and are available for a nominal additional cost. For more details on the benefits, premiums and exclusions under the riders, please refer to the Rider Brochure or contact our Insurance Advisor/Intermediary, or visit our nearest branch office.
  • If the Return of Balance Premium option is chosen with any of the benefit option(s), an amount equal to the Total Premiums Paid (excluding loading for modal premiums) towards the benefit option, minus any claim amount already paid out under the respective benefit option, shall be payable at the end of the benefit option term, provided the benefit option is not terminated.
  • Income 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 implications mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
  • For more details on risk factors, terms and conditions, please read the Sales Brochure carefully before concluding a sale.
  • 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.
  • For disclaimers related to Unit-Linked Products, kindly refer to the unit-linked product page.