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Critical Illness Insurance

Safeguard yourself against critical illnesses with the Tata AIA Life Insurance Critical Illness Benefit!
Doctors Treating the Patient Suffering from Critical Illness


Critical Illness Insurance

Safeguard yourself against critical illnesses with the Tata AIA Life Insurance Critical Illness Benefit!


Medical emergencies, in general, take a tremendous toll on our health and mental well-being. Apart from that, the financial aspect of medical emergencies, especially critical illnesses, can be quite harrowing. In many cases, you may have to shell out your life savings or, worse, sell some assets to get through the rising costs of the treatment.

However, you can avoid the worst-case scenarios if you have a critical illness plan. Tata AIA Life Insurance comprises specific plan options and riders$ that are well-equipped to fulfil your critical illness coverage needs. Let’s find out more about critical illness, the coverage and the benefits offered.

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What is a Critical Illness Policy?

A critical illness policy, also known as critical illness insurance, is designed to protect the insured against a range of critical illnesses that are not only life-threatening but can also be fatal if not treated on time. Critical ailments such as heart attacks, strokes, kidney failure, various stages of cancer and many other conditions are covered under such a policy.

This critical illness policy offers a lump sum benefit that can cover the high costs of treating critical illnesses that are specified under the policy. You can also choose to add a critical illness rider to your life insurance policy in case you do not have a standalone critical illness plan.

Such a rider is also designed to cover a number of critical ailments, and at an extra premium, you can not only handle the cost of the medical care but also support your family during financial hardships resulting from the loss of income.

Why Should One Buy a Critical Illness Cover?


Below are some of the important reasons that make it essential for you to have critical illness coverage:

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 the best treatment and recovering instead of worrying about the medical expenses.

Free from EMIs

Taking a personal loan in the event of a critical illness treatment can 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.

Instances of Critical Illnesses

Stressful daily schedules and poor lifestyle choices have led to an increase in critical illnesses such as cardiac conditions, stroke and cancer. If you’re diagnosed with a critical illness, a regular health insurance plan or mediclaim policy will be able to provide the same coverage as a critical illness plan.

Features of Critical Illness Insurance Plans

  • Critical Illness Coverage

    The extent of coverage provided by a critical illness plan is not the same as a standard health insurance plan. 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 tackle 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 critical illnesses listed under your critical illness policy. This allows you the flexibility to manage any additional medical/non-medical expenses, which may generally be not covered under a health insurance plan.

  • Easy Claim Processing

    File the critical illness claim and present 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 upkeep your critical illness plan and also manage your other expenses.

Benefits of Tata AIA

Life Insurance Critical Illness Cover

Financial Support

Financial Support

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

Numerous Illnesses Covered

Numerous Illnesses Covered

Though heart ailments, cancer and stroke are among the most 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

Income Substitute

One of the toughest parts of a critical illness is the inability 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 sustain your loved ones while you recover.

Additional Support with Health Insurance

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 Expensive Treatments

Funds Expensive Treatments

The cost of treating a critical illness can run into Lakh 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

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.

Tax Advantages

Tax Advantages

As you may already be aware, the premiums payable for critical illness insurance are tax-deductible under Section 80D of the Income Tax Act. By helping you save tax, a critical illness policy can be an important part of tax planning. However, do note that the main purpose of a critical illness plan is not saving taxes.

Who Can Benefit from Critical Illness Insurance Plan?

When you purchase a critical illness insurance plan, the minimum entry age 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 years 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 critical illness insurance 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 genetically, the chances of someone with such a family history being affected by a critical illness can be more than another individual with no family history. 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 policy can be an optimal option to safeguard yourself against the cost of medical treatment.

 

How to Save Tax and Get Tax Benefits under a Critical Illness Benefit Policy?

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 tax 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 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 not only a wise option for covering all the medical expenses resulting from a critical illness but also can help 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 individual below 60 years of age, subject fulfilment of applicable conditions.

** Maximum benefit can be Rs. 100,000/- only if individual as well as his / her parents are senior citizens, subject fulfilment of applicable conditions.

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 tackling 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 rider 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 are 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 riders cover a range of critical illnesses. While most of the 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.

Let’s take the example of the Tata AIA Life Insurance Smart Health Shield Plan and the various critical conditions covered under the health plan options:

 

Minor Stage Cardiovascular conditions:

Major Stage Cardiovascular conditions:

Angioplasty

Myocardial Infarction (First Heart Attack of specified severity)

Balloon Valvotomy or Valvuloplasty

Open Chest CABG (Coronary Artery Bypass Graft)

Carotid Artery Surgery

Open Heart Replacement or Repair of Heart Valves

Implantable Cardioverter Defibrillator

Major surgery of Aorta

Implantation of Pacemaker of Heart

Heart Transplant

Infective Endocarditis

Cardiomyopathy

Minimally Invasive Surgery of Aorta

 

Pericardiectomy

 

Pulmonary Thromboembolism

 

Surgery for Cardiac Arrhythmia

 

Surgery to Place Ventricular Assist Devices or Total Artificial Hearts

 



Below is a list of minor and major stage conditions under the heart insurance cover or Cancer Care
   
 

Minor Stage Cancer

Major Stage Cancer

Early-stage cancers

Cancer of specified severity

Carcinoma -in-Situ of any organ (except skin & prostate)

 



Below is the critical illness disease list under Critical Care
 
 

Apallic Syndrome

Major Head Trauma

Alzheimer's Disease

Major Organ (less heart)/ Bone Marrow Transplant

Aplastic Anaemia

Medullary Cystic Kidney Disease

Bacterial Meningitis

Motor Neuron Disease with Permanent Symptoms

Benign Brain Tumor

Multiple Sclerosis with Persisting Symptoms

Blindness

Muscular Dystrophy

Chronic Recurrent Pancreatitis

Necrotising Fasciitis

Coma of Specified Severity

Parkinson's Disease

Deafness

Permanent Paralysis of Limbs

Encephalitis

Progressive Scleroderma

End Stage Liver Failure

Severe Rheumatoid Arthritis

End Stage Lung Failure

SLE with Renal Involvement

Fulminant Viral Hepatitis

Stroke resulting into permanent symptoms

Kidney Failure requiring Regular Dialysis

Third Degree Burns

Loss of Speech

 



The Tata AIA Vitality Protect / Tata AIA Vitality protect Plus / Tata AIA Life Insurance Comprehensive Protection Rider / Tata AIA Life Insurance Linked Comprehensive Protection Rider cover a list of critical illnesses. The CritiCare Plus offers coverage against a list of 40 critical illnesses, along with cancer and cardiac conditions. Once any of the covered conditions have been diagnosed, the rider sum assured is paid out.

 

No.

Critical Illness/Condition/Disease

1

Cancer: Cancer of Specified Severity

 

Cardiac Conditions

1

Heart Transplant

2

Cardiomyopathy (of specified severity)

3

Stroke resulting in permanent symptoms

4

Primary (Idiopathic) Pulmonary Hypertension

5

Open Heart Replacement or Repair of Heart Valves

6

Open Chest CABG (Coronary Artery Bypass Graft)

7

Myocardial Infarction (First Heart Attack of specified severity)

8

Major surgery of Aorta

 

Critical Illness

1

Major Head Trauma

2

Loss of Speech

3

Loss of limbs

4

Alzheimer's Disease

5

Apallic Syndrome

6

Aplastic Anaemia

7

Bacterial Meningitis

8

Benign Brain Tumor

9

Blindness

10

Chronic Recurrent Pancreatitis

11

Coma of Specified Severity

12

Creutzfeldt-Jakob disease

13

Deafness

14

Encephalitis

15

End Stage Liver Failure

16

End Stage Lung Failure

17

Fulminant Viral Hepatitis

18

Kidney Failure requiring Regular Dialysis

19

Loss of Independent Existence

20

Third Degree Burns

21

SLE with Renal Involvement

22

Severe Rheumatoid Arthritis

23

Progressive Scleroderma

24

Poliomyelitis

25

Permanent Paralysis of Limbs

26

Major Organ (less heart)/ Bone Marrow Transplant

27

Medullary Cystic Kidney Disease

28

Motor Neuron Disease with Permanent Symptoms

29

Multiple Sclerosis with Persisting Symptoms

30

Muscular Dystrophy

31

Parkinson's Disease

 

With the help of the following points, you can know what are some of the most common inclusions under critical illness benefit policy:
 

  • Critical illness insurance covers a maximum of up to 50 critical conditions, ailments and diseases. Some of the most common ones are heart attack, stroke, cancer and kidney failure, among others.
  • The coverage of the policy and the actual number of critical illnesses, as well as the minor and major stages, will vary as per the insurance provider from whom you purchase the plan.
  • If you are diagnosed with a critical illness and file a claim for the benefits, it takes up to 30 days to process the claim, after which you will be able to receive the benefits, subject to the policy terms and conditions.
  • The benefit or the coverage amount that you will receive after your claim has been accepted will be provided as a lump sum. This can not only help you with the treatment expenses but also with the loss of income.
  • In most critical illness plans, annual health checkups are a part of the coverage. However, this is something you should check with your insurance provider before you purchase the policy or the rider.

Here are some points to help you understand the most common exclusions under a critical illness benefit policy:
 

  • If you, the insured, are diagnosed with a critical illness covered under the policy, you cannot be compensated as per the specified coverage if your death occurs within 30 days of the diagnosis.
  • Should the insured develop a critical illness as a result of alcohol and drug intake, tobacco consumption, or smoking, that critical illness will not be considered when it comes to compensation.
  • Congenital disorders or conditions or birth defects that lead to a critical illness over a period of time are excluded from the critical illness benefits.
  • Your critical illness policy is designed only for critical illnesses and hence, child-birth or pregnancy-related critical conditions do not qualify for the benefits.
  • Injuries or accidents caused due to playing sports or participation in adventure sports or self-inflicted injuries are not covered under critical illness insurance.

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

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 rider, 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 benefit, you and your family can avoid disrupting your savings and investments for medical care and treatment. Since the critical illness benefit 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 benefit at a younger age in life, you can enjoy the benefit if lowe 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 te 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 benefit 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 benefit, you can browse through all the inclusions, exclusions and coverage and then make a choice.

Get Tax Benefits

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

FAQs on Critical Illness Insurance

What is a critical illness cover?

A critical illness plan is a type of insurance cover that protects the insured against life-threatening and critical diseases or conditions such as a heart attack, cancer, renal failure, and so on. This type of policy pays out a lump sum amount to the insured so that they and their family can cover the medical expenses for critical illnesses as mentioned in the insurance policy.
 

This lump sum benefit can also help the insured’s family handle their finances in case of a loss of income.

Why do you need critical illness insurance?

Critical illness insurance is necessary as the cost of treating and recovering from a critical illness can be quite high. If one is affected by a critical illness, it also means that the individual may not be able to support their family which also leads to a loss of income.
 

With the help of critical illness insurance, one can receive the lump sum benefit to take care of the expenses arising from the treatment of the critical illness and also the loss of income.

Is a critical illness plan the same as a health insurance plan?

A health insurance plan offers wider coverage for various illnesses, accidents and unfortunate events as compared to a critical illness plan. The latter is specifically designed to offer coverage against critical illnesses.
 

Though most critical illness plans broadly cover more or less the same critical conditions and diseases, there may be differences in the number and types of critical illnesses covered.

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 most commonly covered diseases and conditions covered under most critical illness plans.

Should I have a critical illness rider or a critical illness insurance plan?

If you have a life insurance policy but want to be covered against critical illnesses as well, a critical illness rider is a good option. However, do note that a critical illness rider will offer maximum coverage that is equal to the sum assured of your base life insurance plan for the treatment of a condition.
 

In the case of a critical illness policy, you can choose a sum assured as per your needs or as high as the policy enables you to choose. If your life insurance policy has a good amount of coverage, you can opt for a critical illness rider for an extra premium and cover yourself against the expenses of critical illnesses.

How much critical illness coverage does one need?

You should decide on your critical illness plan coverage as per your needs, lifestyle, age and financial capacity. Consider the cost of the entire treatment for a critical illness and the recovery period without an insurance policy to understand how much critical illness coverage you will need. 

Can I choose the diseases I would like to be covered for under a critical illness cover?

No, you cannot choose the diseases for which you would like to receive coverage under a critical illness insurance cover. Every critical illness plan has a critical illness list that covers a wide range of critical illnesses. This list may vary to a certain extent depending on the insurance provider or the plan you choose. Hence you can go through the various plans available in the market and choose the plan that meets your need.
 

You can, however, choose the coverage amount for the critical illness policy so that you can opt for the best care and treatment possible as per the coverage provided by your policy, in case of a critical illness diagnosis.

What are the important features of a critical illness insurance policy?

A critical illness policy covers many major conditions, diseases and illnesses that may not be covered by most standard health insurance policies. It provides a lump sum to the insured upon the diagnosis of the covered illness. For most critical illness insurance plans, no medical check-up is required up to 45 years of age. It provides tax benefits and no-claim benefits.

Can I have a health insurance plan as well as a critical illness policy?

Yes, you can have a health insurance policy as well as a critical illness policy depending on your needs and your financial capacity to pay timely premiums.
 

Both types of insurance policies offer different kinds of coverage. In today’s world, even if you have a health insurance policy, a critical illness policy is equally important because of the number and instances of lifestyle diseases and critical illnesses that can affect anyone.

Will I be able to get a critical illness plan after I am diagnosed with a critical illness?

If you are already suffering from a critical illness, be sure to inform your insurance provider about it. While you may be able to purchase a critical illness policy, subject to the terms and conditions of the policy, take note of the waiting period during which you may not be covered for any of the treatments or procedures that you need to undergo.

Disclaimer

  • This product is underwritten by Tata AIA Life Insurance Company Ltd. This plan is not a guaranteed issuance plan and it will be subject to Company’s underwriting and acceptance
  • InstaProtect Solution comprises Tata AIA Life Insurance Sampoorna Raksha Supreme (Non-Linked, Non-Participating, Individual Life Insurance Plan) (UIN: 110N160V03) - Life Option (in case Return of Premium is No) or Life Plus Option (in case of Return of Premium is Yes), Tata AIA Vitality Protect (UIN: 110B046V01) - A Non-linked, Non-participating, Individual Health Rider; Tata AIA Vitality Health (UIN: 110B045V01) - A Non-linked, Non-participating, Individual Health Rider.
  • Param Rakshak solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha - A Unit-linked, Non-participating, Individual Life Plan for Savings and Protection (UIN:110L156V02), Tata AIA Vitality Protect Plus - A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V01 or any other later version)
  • The complete name of Tata AIA Sampoorna Raksha Supreme is Tata AIA Life Insurance Sampoorna Raksha Supreme (UIN:110N160V03) - A Non-Linked Non-Participating Individual Life Insurance Plan
  • The complete name of Tata AIA Fortune Guarantee Plus is Tata AIA Life Insurance Fortune Guarantee Plus (UIN: 110N158V07) - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan.
  • The complete name of Tata AIA Guaranteed Return Insurance Plan is Tata AIA Life Guaranteed Return Insurance Plan - Individual, Non-Linked, Non-Participating, Life Insurance Savings Plan (UIN:110N152V11)
  • The complete name of Tata AIA Smart Value Income Plan is Tata AIA Life Smart Value Income Plan (UIN: 110N162V01) - Individual, Non-Linked, Participating Life Insurance Savings Plan (110N162V01)
  • The complete name of Tata AIA Life Insurance Smart Health Shield Plan is Tata AIA Life Insurance Smart Health Shield Plan (UIN:110N135V01) - A Non-Linked Non-Participating Individual Health Plan
  • ^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 implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
  • Insurance cover is available under this product
  • Participation by customers shall be on voluntary basis
  • Company may request medical examination based on the Board Approved Underwriting Policy. In the event of the Company requesting for a medical examination, the cost of such medical examination shall be borne by Tata AIA Life.
  • For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
  • In case of sub-standard lives, based on proposer's health or occupation, extra premium will be charged as per the Company's Board Approved Underwriting Policy. Policy will be issued only after obtaining the consent from the Proposer on the additional premium charge
  • Tata AIA Life Insurance Param Rakshak Plus solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN:110L156V02), Tata AIA Vitality Protect Plus, Non-participating, Individual Health Rider (UIN: 110A048V01) and Tata AIA Vitality Health Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A047V01). Tata AIA Life Insurance Smart Sampoorna Raksha is also available individually for sale.
  • Tata AIA Vitality Health  - A Non-linked, Non-participating, Individual Health Rider (UIN: 110B045V01 or any other later version)
  • Tata AIA Vitality Protect  - A Non-linked, Non-participating, Individual Health Rider (UIN: 110B046V01 or any other later version)
  • Tata AIA Vitality Protect Plus - A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V01 or any other later version)
  • Tata AIA Vitality Health Plus -  A Non-linked, Non-participating, Individual Health Rider (UIN: 110A047V01 or any other later version)
  • $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.
  • The complete name of Tata AIA Non-Linked Comprehensive Protection Rider is Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V02 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider
  • The complete name of Tata AIA Non-Linked Comprehensive Health Rider is Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (UIN: 110B031V02 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider
  • L&C/Advt/2023/Jan/0016
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