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Critical Illness Insurance Cover

Critical illness insurance provides a lump sum payout if the policyholder is diagnosed with a serious illness listed in the policy, such as cancer, heart attack, stroke, or kidney failure. This insurance plan provides financial assistance to policyholders to deal with these medical conditions. Health insurance policies often offer critical illness coverage as an optional rider, but some may include it as a built-in benefit.

How a Critical Illness Cover Helps You

With critical illness insurance, you can cover expenses such as doctor consultation fees, medication costs, and more. A critical illness benefit may be used for the payment of ambulance costs, room rent, and pre- and post-hospitalisation expenses.

Your family may use these funds to replace your lost income during your illness. Your savings may be significantly reduced due to the high treatment costs. However, the critical illness policy provides the financial security you need during this time and helps keep your other savings intact.

What is Critical Illness Insurance?

Critical illness insurance protects the insured against serious illnesses that can be life-threatening and may become fatal if not treated on time. Several life-threatening illnesses are covered under such a policy, including heart attacks, strokes, kidney failure, cancer, and various stages of the disease.

With critical illness insurance plans, you can cover medical treatment costs and also provide financial security to your family during income loss caused by a critical illness.

Tata AIA Critical Illness Insurance Plans

Tata AIA

Pro-Fit

Key Benefits:

Get health cover up to ₹20 Lakhs for Surgery¹
Get payment on diagnosis of any covered 57 critical illnesses
Avail cashless claim service with income tax²benefits

Calculate Premium Know More

Why Should One Buy a Critical Illness Cover?

Rising Inflation

With the rate of inflation affecting the prices of all commodities, healthcare facilities have also been impacted. A critical illness cover can be a comprehensive insurance cover to protect you from the inflation rates that lead to an increase in the cost of treatments and procedures for critical illnesses and conditions.

Rising Hospitalisation Expenses

Healthcare has advanced massively due to modern technology and medical science. However, the infrastructure for medical research and quality healthcare becomes expensive. With a good critical illness plan, you can ensure that the complete treatment of your critical illness can be covered without any hassles. You can focus on getting proper treatment and recovering instead of worrying about the medical expenses.

Free from EMIs

Taking a personal loan for critical illness treatment can help pay your medical bills. But the repayment of the EMIs can be a burden, especially due to the loss of income during the treatment and the recovery period. A critical illness plan is a better alternative when it comes to handling critical illnesses.

How does the Critical Illness Plan Work?

Critical Illness insurance provides critical illness coverage based on the variant selected. Different variants work differently based on the diagnosis of major and minor critical illnesses. The following are how critical illness insurance works in different conditions.

Features of Critical Illness Insurance Plans

Critical Illness Coverage

A critical illness insurance cover offers protection against a wide range of pre-defined critical illnesses in varied stages, subject to policy terms and conditions.
Lump-sum
Payment

The payout from a critical illness plan enables you to manage the treatment of the critical illness and also your family’s financial needs in case of loss of income. You will be paid out a pre-specified lump sum benefit, irrespective of the actual treatment costs, in case you are diagnosed with any of the serious health conditions listed under your critical illness policy.
Easy Claim Processing

File the critical illness claim and provide the diagnosis reports, after which your insurer will start processing the claim. As soon as the claim has been processed, you will be able to receive the lump sum critical illness benefit.
Waiting Period

All critical illness plans come with a pre-specified waiting period wherein some or all of the policy benefits may not be applicable. Post the waiting period, all specified plan benefits become active.
Loss of Income

Apart from the medical costs, the pre- and post-treatment phase is difficult. Being professionally occupied during this time may not be possible, which leads to a loss of income, especially if you’re the sole earner in your family. A critical illness plan benefit provides coverage against loss of income as well.
Flexible Payment Option

You can choose to pay the premiums for your critical illness policy at your convenience. When selecting the policy, you can opt for a monthly, quarterly, half-yearly or annual premium payment mode, which makes it easier for you to keep your critical illness plan active and also manage your other expenses.
Tax Benefits

Besides providing financial support during hospitalisation and treatment, a critical illness plan can also help you save taxes. A tax² benefit is provided under Section 80D of the Income Tax Act 1961.

Who Can Benefit from a Critical Illness Insurance Plan?

When you purchase a critical illness insurance plan, the minimum critical illness insurance age limit to avail of the policy is 18 years, while the maximum entry age may vary as per the terms and conditions of the insurance provider. To understand who can benefit from a critical illness insurance policy, here is a broad categorisation of policy buyers:

People Over the Age of 40 Years

A lot of people above the age of 40 tend to be at a greater risk of critical illnesses due to the stress of increased responsibilities, and also due to ageing. Even though a younger person may also be at risk of a critical illness, it is even more necessary to have a critical illness policy at this age to cover the high cost of medical treatments and protect your family’s financial future.
People with a Family History of Critical Illness

If the previous generation in your family has been diagnosed with a critical illness, it is advisable to go for a critical illness cover. This is because the chances of someone with such a family history being affected by a critical illness can be higher than others. While this may not always be the case, it is always better to be prepared.
People with High-pressure Jobs

A number of critical illnesses, such as strokes, cancer and heart conditions, are often caused by high levels of stress. If you work in an industry or profession that calls for long working hours with inadequate rest or holidays, there is always a risk of a critical illness affecting you. A critical illness insurance policy can be an optimal option to safeguard yourself against the cost of medical treatment.
People with an Unhealthy Lifestyle

Habits like smoking, poor diet, and lack of exercise can increase the likelihood of developing serious health conditions. Those who lead unhealthy lifestyles may want to consider a critical illness plan to protect against the financial burden of medical treatments.
People with Pre-existing Health Conditions

Individuals with existing health conditions, such as diabetes, hypertension, or previous surgeries, may be at higher risk for developing critical illnesses. Purchasing a critical illness policy can provide the additional protection against additional financial burden arising due to the medical expenses.
Primary Caregivers or Bread Earner

If you are the primary earner or a bread earner in your family, a critical illness insurance plan can help safeguard your family’s financial security in case of a serious ailment that prevents you from working.

Benefits of Critical Illness Insurance

Financial Support

When it comes to providing a financial safety net, a critical illness cover can protect you and your family against the expensive costs of treating and recovering from a critical illness. This cover ensures that you do not have to handle your medical expenses by utilising your savings.

Numerous Illnesses Covered

Life Insurance Critical Illness Cover Numerous Illness

Numerous Illnesses Covered

Though heart ailments, cancer and stroke are among the common critical illnesses, critical illness insurance covers a broader range of critical ailments that may affect you. These include, but may not be limited to, conditions like kidney failure, major organ transplant, multiple sclerosis and many others.

Income Substitute

Life Insurance Critical Illness Cover Income substitue

Income Substitute

During a critical illness, you may not be able to pursue your profession due to the disease’s impact. In case you’re the sole breadwinner in your family, it means a loss of income for your family. However, a critical illness policy benefit enables you to help your loved ones sustain themselves while you recover.

Additional Support with Health Insurance

You may already have a health insurance policy that covers you and your family for certain unfortunate events that require hospitalisation and medical care. However, if you add a critical illness policy to your portfolio, you are protected not only against general health conditions but also a host of critical illnesses.

Funds for Expensive Treatments

Life Insurance Critical Illness Cover Funds Expensive Treatments

Funds for Expensive Treatments

The cost of treating a critical illness can run into lakhs of rupees, and for many, it can become quite difficult to afford quality healthcare. This can also mean missing out on timely treatment. With a critical illness plan, you get access to prompt and good-quality healthcare services.

Affordable Premiums

While critical illness plans protect you against the rising costs of treating a critical illness, you can choose the premium payment term and the policy term of your critical illness plan. This means that you will be able to pay for the cover conveniently and also ensure the payment of affordable premiums.

Save Tax with Critical Illness Insurance Plan

Tax Deduction on the Premium

When you purchase a critical illness insurance cover, the premiums you pay towards the policy can be eligible for a tax² deduction of up to ₹25,000 each year. As per Section 80D of the Income Tax Act of 1961, this deduction applies to medical insurance premiums and, hence, also to a critical illness cover.
Deductions for a parent

In case you are paying the critical illness insurance premium for your parents, then you get the benefit of claiming another deduction of up to ₹25,000 each year. If one or both of your parents are senior citizens, then this limit can go up to ₹50,000.
Dual Benefits

A critical illness benefit policy is a wise option for covering all the medical expenses resulting from a critical illness, which also helps you save on your taxes. Under Section 80D of the Income Tax Act 1961, you can save up to ₹1 Lakh, which can be great for your protection and also financial planning.

Exemption of Rs. 25,000/- is available only to individuals below 60 years of age, subject fulfilment of applicable conditions. Maximum benefit can be Rs. 100,000/- only if the individual as well as his / her parents are senior citizens, subject fulfilment of applicable conditions.

Understanding the Gap: Health Insurance vs. Critical Illness Insurance

Health insurance covers medical expenses and other related costs like hospitalisation, while critical illness insurance pays out a lump sum to cover other associated expenses. Health insurance policies typically don't cover all diseases, and some have long waiting periods. Critical illness insurance, however, covers critical illnesses and provides financial security during recovery. The following is a comparison of the two:

Features	Health Insurance	Critical Illness Insurance
Coverage	A variety of incidents are covered, including accidents, diseases, and pre-existing conditions.	Critical illness insurance provides coverage for a limited number of serious diseases. It depends on the insurance company how many illnesses are covered.
Benefits	Additional coverage options, cashless treatments, coverage for multiple family members, etc., are available.	Upon diagnosis of a critical illness, the policyholder receives the coverage amount.
Premium	Premium depends on the insurance company, coverage offered, number of members covered, and the sum assured.	Depending on the insurance company, the number of diseases covered, and the sum assured.
Survival Period	NA	This is the period after diagnosis for which the policyholder must survive..

Things to Keep in Mind Before Opting for Critical Illness Insurance

People Dependent on You

Consider your family structure, your present age, and your dependents, especially your elderly parents. If you have elderly family members or dependents, you will need extra healthcare coverage for sudden emergencies such as heart attacks or cancer. With a critical illness policy, you can provide a safety net for your loved ones during uncertain times without losing your financial security.

Your Current Health Situation

It's important to consider your current health status when buying a critical illness policy. Regular smokers, people with high-stress jobs, and people who smoke regularly are more likely to suffer from health problems. Also, if your family has a history of critical illnesses, make sure you have a critical illness policy. Opt for a critical illness insurance plan that will offer you enough financial support.

Consider Your Sum Insured

Healthcare costs rise continually, and it may continue in the coming times. Make sure you choose a sum insured that will sufficiently cover your expenses and those of your family.

Understand Coverage for Illnesses

Make sure you read and understand the list of illnesses covered by the policy before choosing one. Read the policy's terms and conditions carefully to learn about any exclusions.

Enhances Your Health Insurance Policy

When choosing your critical illness insurance, make sure to balance it with your health insurance so that you get the maximum coverage for a reasonable price. By combining both policies, you can reduce your stress regarding healthcare by covering all aspects.

Maximum Age Limit

Majority of the Critical illness insurance plans are available to anyone from 18 to 65 years of age. However, maximum entry and exit age may differ depending on the insurance provider and policy terms and conditions.

Inclusions and Exclusions in the Critical Illness Insurance Cover

A critical illness policy includes the following inclusions and exclusions:

Inclusions	Exclusions
There is a maximum of 70 critical illnesses covered by critical illness insurance. Among them, heart attacks, strokes, cancers, and kidney failures are common ones.	You cannot receive compensation under the policy if you die within 30 days of being diagnosed with a critical illness covered under the policy.
The number of critical illnesses covered and their minor and major stages will vary depending on the insurance company.	An insured who develops a critical illness due to alcohol, drugs, or smoking won't be compensated for it.
Upon diagnosis of a critical illness, you may file a claim for the benefits, which will be processed within 30 days. After the claim is processed, your benefits will be paid, subject to policy terms and conditions.	Critical illness benefits are not available to people with congenital disorders or conditions.
After your claim has been accepted, you will receive a lump sum as your benefit or a coverage amount. It can help with both the treatment expenses and your lost income.	Childbirth or pregnancy-related critical conditions are not covered under your critical illness policy.
Several critical illness plans cover annual health checkups. However, be sure to check with your insurer before you purchase the policy or the rider³.	Critical illness insurance does not cover injuries or accidents caused by playing sports or participating in adventure sports, or self-inflicted injuries.

How to choose the perfect critical illness insurance plan?

Sum Assured

When selecting a critical illness policy, ensure that you choose a sum assured that will be adequate for managing the medical costs of the treatment. Also, ensure that the sum assured, which is paid out as a lump sum, is able to support your family since a critical illness also results in the loss of income during the treatment and recovery period.
Choice of Policy

If you have a life insurance policy, you can choose a critical illness rider³ to enhance the coverage of your policy. In case of a critical illness, the rider sum assured will be paid out as a lump sum. Or, you may receive a percentage of the rider sum assured, depending on the nature of the critical illness, for example, minor or major stage conditions.
Inclusions and Exclusions

When choosing any insurance plan, especially a critical illness plan, be sure to go through the general inclusions and exclusions apart from the list of diseases that are covered. Depending on the policy you choose, certain stages of certain illnesses may not be covered under the policy, and this can lead to problems if you do not consider the exclusions beforehand.
Your Age

Critical illness insurance plans have a specified maximum age limit for availing of the benefits. However, the earlier you get a critical illness policy, the better your chances of receiving better coverage under the policy. Not only are you preparing early to cover yourself against critical illnesses, but you can also benefit from lower premiums.
Waiting Period

Critical illness policies come with a waiting period (typically 6 months) , during which you cannot receive the benefits of your policy. This is done to ensure that you are eligible for the policy benefits only if diagnosed with an illness after buying the plan.
The Number of Critical Illnesses Covered

In general, all critical illness plans and riders³ cover a range of critical illnesses. While several major illnesses are covered in the list, be sure to check which ones are present. This can help you choose a policy or a rider that includes the major illnesses, as well as any conditions.

How to Buy Critical Illness Insurance?

You can buy critical illness insurance online by following these steps:

Step 1: Choose your Policy Term and Sum Assured
: Before you buy a critical illness insurance policy, you need to calculate the premium for your desired sum assured and tenure. You can calculate this by using our online health insurance calculator.
Step 2: Premium Payment
: Once you have selected the plan along with critical illness coverage, you must fill out the necessary information and then pay the premium.
Step 3: Fill Out the Proposal Form
: This form is a detailed version of your application, which focuses on details about your medical history and lifestyle habits, such as smoking and drinking.
Step 4: Medical Tests
: Before offering critical illness insurance, a medical test may be proposed based on individual life risks. Medical evaluations will be conducted after the proposal form and documents are submitted successfully.

How to File a Claim for Critical Illness Policy?
To raise a claim with Tata AIA Life Insurance, you can choose any of the following channels to reach out to us:
- Email us at: customercare@tataaia.com
- Call our helpline number - 1860-266-9966 (local charges apply)
- Walk into any of the Tata AIA Life Insurance Company branch offices
- Write directly to us at:
- The Claims Department,
  
  Tata AIA Life Insurance Company Limited
  
  B- Wing, 9th Floor,
  
  I-Think Techno Campus,
  
  Behind TCS, Pokhran Road No.2,
  
  Close to Eastern Express Highway,
  
  Thane (West) 400 607.
  
  IRDA Regn. No. 110
What are all the Documents Required at the Time of the Claim?
Here is the list of documents required to file a claim for the critical illness insurance benefit:
- Claim Form: Duly filled and signed claim form.
- Medical Certificate: Your medical certificate confirming that you have been diagnosed with a critical illness.
- Certificate from Medical Practitioner: This certificate must be provided by the attending medical practitioner, and it must state that the claim is not related to an injury or pre-existing illness (diagnosed within the first 90 days of buying the policy).
- Test Reports: A copy of the investigation test results that confirm the diagnosis, as stated under the definition of the respective critical illnesses; a copy of the first consultation letter and any prescription, if any.
- KYC Documents: KYC documents such as proofs of identity, age, and address.
- Specific Documents: Documents related to the respective critical illness.
- Others: Copy of the latest statement confirming the principal outstanding, applicable if the reducing balance sum insured option is chosen under the critical illness policy.

Reasons To Choose Tata AIA Life Insurance Critical Illness Benefit

These are some of the reasons why you should opt for the Tata AIA Life Insurance critical illness benefit:

Covers a Range of Critical Illnesses

With the Tata AIA Life Insurance Criticare Option or a critical illness rider³, you can be covered against a range of critical illnesses of varying stages and severity. On diagnosis of the critical illness, a lump sum benefit will be paid out for the treatment of the critical illness mentioned under the plan option or rider.
Security for your Family

With a critical illness policy, you and your family can avoid depleting your savings and investments for medical care and treatment. Since the critical illness insurance is specially designed for the purpose, you can avail of the benefit as per the conditions and ailments covered.
Low Premiums at Younger Age

If you purchase the critical illness insurance policy at a younger age in life, you can enjoy the benefit of lower premiums. In the case of a critical illness rider, you can stay protected for as long as the policy period of your base insurance plan or till the maximum maturity age for the benefit.
Lump Sum Benefit

Once you are diagnosed with a critical illness listed under your plan option or rider, you can file a claim with us. Once the claim is approved, we will pay out the lump sum benefit to you.
Easily Browse Online

Everything you need to know about our critical illness insurance India is easily available on the Tata AIA Life Insurance official website, as well as the plan option or rider brochures. Before you purchase the critical illness policy, you can browse through all the inclusions, exclusions and coverage and then make a choice.
Get Tax Benefits

Under Section 80D of the Income Tax Act, you can enjoy tax² benefits on the premium payment of the critical illness insurance policy. Furthermore, the critical illness lump sum benefit paid out on diagnosis of the critical illness is also tax-free.

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FAQs on Critical Illness Insurance

What is a critical illness cover?

A critical illness plan is a type of insurance coverage that protects the insured against life-threatening and critical diseases, such as a heart attack, cancer, renal failure, etc.
Why do you need critical illness insurance?

Critical illness insurance is necessary as one can receive a lump sum benefit to manage the expenses for the treatment of a critical illness, and also the loss of income.
Is a critical illness plan the same as a health insurance plan?

No. A health insurance plan offers wider coverage for various illnesses, accidents and unfortunate events. However, a critical illness plan offers coverage against critical illnesses.
Which diseases are a few of the commonly covered illnesses under a critical illness plan?

Cancer, heart conditions, terminal illnesses, stroke and kidney failure are some of the commonly covered diseases and conditions under most critical illness plans.
Should I have a critical illness insurance plan?

It depends on coverage needs. You may opt for a critical illness policy for comprehensive protection that covers your health and financial needs.
How much critical illness coverage does one need?

To estimate the required critical illness coverage, consider the treatment cost for a critical illness, recovery period, your lifestyle, age and health conditions, if any.
Can I choose the diseases I would like to be covered for under a critical illness cover?

No, you cannot choose the diseases you want to be covered under critical illness insurance. However, you can go through the various plans and choose the one that meets your needs.
What are the important features of a critical illness insurance policy?

The key features of a critical illness insurance include coverage for diseases or conditions like cancer, heart attack, kidney failure, lump sum payout upon diagnosis, and multiple renewable options.
Do I need critical illness insurance if I already have a health insurance policy?

Whether you need critical illness insurance alongside health insurance depends on your needs. You may opt for it, if you want a wider coverage for the treatment of critical diseases.
Can I get critical illness cover after being diagnosed with a critical illness?

Availability of critical illness insurance after being diagnosed with a critical illness depends on the terms and conditions of the policy. So, inform the insurer and confirm your eligibility.
Is medical testing required to get critical illness coverage?

Medical testing is required for critical illness insurance. After the documents and proposal form are submitted successfully, the medical assessment will be conducted.
What are the eligibility criteria for a critical illness policy?

To purchase critical illness insurance, you must be at least 18 years old. You would need to pass medical tests, as required by the insurer.
Can I make multiple claims for different or the same critical illnesses?

Yes, you can make multiple claims for different major and minor critical illnesses, as long as they fall under the specific illness categories covered by your policy.
What is a benefit-based critical illness policy?

A benefit-based critical illness policy provides the insured with a lump-sum cash payout upon diagnosis of a covered critical illness.
What is the sum insured, or coverage amount offered under critical illness insurance?

Your critical illness insurance sum insured or coverage depends on your health insurance needs. Depending on your medical requirements, you can choose a critical illness insurance cover.

What is covered and not covered under critical illness insurance?

Here’s what is covered and not covered under critical illness insurance.

Illnesses Covered	Cancer, heart attack, stroke, kidney issues, or organ failure.
Illnesses Not Covered	Regular illnesses, accidents, and medical conditions not listed in the policy

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Disclaimer
- The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
- Tata AIA Pro-Fit comprises of Tata AIA Health Pro, A Non-Participating, Unit-linked, Individual Health Insurance Plan (UIN: 110L180V01), Tata AIA Health Secure, A Non- Participating, Unit Linked, Individual Health rider (UIN: 110A050V01) & Tata AIA Health Buddy Non-Participating, Non-Linked Individual Health Product (UIN: 110N183V01) Tata AIA Smart Health Pro and Tata AIA Health Buddy are also available for sale individually.
- These products are also available for sale individually without the combination offered/ suggested. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein before concluding sale.
- ¹Under SurgiCash Benefit of the Tata AIA Health Secure Rider, the payouts are offered basis the categories of surgeries: 10% of sum assured up to Rs. 50,000 for day care procedures such as eye cataract, nasal sinus operation, 25% on Category 1 surgeries, like Amputation of foot or hand, 50% on Category 2 surgeries, like knee or hip replacement, 75% on Category 3 surgeries, like Aortic Valve Repair, and 100% on Category 1 surgeries, like CABG. Refer list of surgeries for benefit payouts.
- ²Income Tax benefits would be available as per the prevailing income tax laws under old tax regime, 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 on this site. Please consult your own tax consultant to know the tax benefits available to you.
- ³Riders are not mandatory and are available for a nominal extra cost. For more details on benefits, premiums and exclusions under the Rider, please contact Tata AIA Life's Insurance Advisor/Intermediary/ branch.
- Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/ withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year.
- Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Health Pro is only the name of the Unit Linked health Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
- The fund is managed by Tata AIA Life Insurance Company Ltd.
- For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
- Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
- All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
- Please make your own independent decision after consulting your financial or other professional advisor.
- Unit Linked Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
- Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.
- The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
- Premium paid in the Unit Linked Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the Insured is responsible for his/her decisions.
- Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the Insurance Company.
- Insurance cover is available under the product.
- The products are underwritten by Tata AIA Life Insurance Company Ltd.
- The plans are not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
- For more details on risk factors, terms and conditions please read 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.
- Auto debit discount is applicable for Payments made through any electronic mode through an auto debit mandate for 1st-year instalment.
- Risk cover commences along with policy commencement for all lives, including minor lives.
- Buying a Health 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.
- Discount on policy will be subject to sales literature and policy contract.
- L&C/Advt/2025/Oct/3839