Tata AIA Health Buddy Rider 2

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Tata AIA Health Buddy Rider 2

The Tata AIA Health Buddy Rider 2 is a valuable add-on to your policy that boosts your life cover, giving you enhanced protection and greater financial security. The rider provides additional coverage by covering certain health conditions and accidents, giving you and your family added financial support.

Benefits at a Glance

Here are the key benefits of the Tata AIA Health Buddy Rider 2, designed to strengthen your insurance plan with health and financial protection.

Holistic Financial Shield: You can add the health rider to avail of comprehensive protection for you and your family. It helps cover multiple life challenges such as death, critical illness, or disability. This all-in-one support system ensures that you are financially prepared for life’s unexpected events, offering peace of mind during tough times.
Enhanced Coverage: This rider gives you the flexibility to enhance life insurance coverage on your base plan with additional benefits, including a health insurance rider that can address specific health-related concerns. You can choose the coverage options that fit your needs, whether it's for health risks, accidents, or long-term care.
Exclusive Savings: By adding the iEnhance Rider to your existing plan, you may become eligible for special discounts. These savings can help reduce the overall cost of your insurance while still giving you access to a wide range of benefits and services designed for your well-being.
Tax Benefits: The premiums paid towards the rider may qualify for tax¹ deductions as per the applicable laws under the Income Tax Act. This means while you're protecting your family, you also get the additional advantage of reducing your taxable income. This makes the plan financially beneficial for you.

Key Benefits at a Glance

The Tata AIA Health Buddy Rider 2 offers a comprehensive range of benefits designed to provide financial security and support during critical health and accident-related events.

Terminal Illness with Term Booster

Offers a benefit payout with the terminal illness insurance upon diagnosis of a serious health condition or in the unfortunate event of the policyholder’s death.

Accidental Total and Permanent Disability (ATPD)

The disability rider insurance provides financial protection in case of total and permanent disability caused by an accident, when income may be affected.

Accidental Death

The nominee can get a lump sum benefit with the accidental death benefits rider if the life insured passes away due to an accident, securing the financial future of the dependents.

Accidental Total and Partial Permanent Disability (ATPPD)

In case of an accident resulting in total or partial permanent disability, this benefit pays a defined sum assured to support ongoing medical care and lifestyle adjustments.

CritiCash

Delivers a fixed benefit amount upon diagnosis of a listed critical illness, offering immediate financial support to focus on treatment and recovery without additional stress.

Select Critical Illness (Select CI)

Allows policyholders to customize their critical illness insurance coverage by choosing from a list of up to 10 minor and 60 major illnesses, with benefit payouts upon diagnosis.

Mega Critical Illnes

Enables selection from predefined sets of 10, 21, or 60 major critical illnesses, ensuring comprehensive protection through a structured benefit payout on diagnosis.

Cardiac Care

Provides financial assistance upon diagnosis of specified heart conditions, helping manage treatment expenses and recovery without compromising financial goals.

HospiCash and SurgiCash Benefits

HospiCash grants a daily cash benefit for each continuous 24-hour period of hospitalisation, while the SurgiCash provides a fixed payout for essential surgeries conducted in India or approved overseas locations.

Cancer Care

Offers protection against both minor and major stages of cancer, delivering a benefit payout that aids in covering medical costs and recovery efforts.

Financial Advantages & Tax Benefits

This rider offers significant financial advantages and tax1 benefits, making it a smart addition to your insurance plan.

Tax¹ Benefits on Premiums: Premiums paid toward the Rider will be eligible for tax¹ deductions under prevailing tax laws, helping reduce your taxable income.
Exclusive Discounts: Policyholders may enjoy special discounts on adding Tata AIA Health Buddy Rider 2 or benefits through loyalty programs, as per the terms and conditions and riders chosen.

These features make both a protective and cost-effective solution for securing your future.

Eligibility & Premium Options

The table below shows the eligibility criteria and premium options of Tata AIA Health Buddy Rider 2:

Parameters	Option	TTB, ATPD,ADB,ATTPD	CritiCash, Select Cl, Mega Cl, Cardiac Care ,Cancer Care	HospiCash , SurgiCash
Entry Age	Minor Life	NA		91 Days - 17 Years
Entry Age	Major Life	18 - 65 Years
Maturity Age		100 Years	85 Years	100 Years
Policy Term (in Months)	Return of Balance Premium	Regular/Limited/Single Pay: 120 to 984	Regular/Limited/Single Pay: 120 to 360	NA
Policy Term (in Months)	Without Return of Balance	Regular Pay: 13 to 984 Limited Pay: 14 to 984 Single Pay: 12 to 984	Regular Pay: 13 to 360 Limited Pay: 14 to 360 Singe Pay: 12 to 360	Regular Pay: 13 to 60 Limited Pay: 14 to 60 Single Pay: 12 to 60
Premium Payment Term (in Months)	Return of Balance Premium	Regular Pay: 120 to 984	Regular Pay: 120 to 360	NA
		Limited Pay: 60 to 983	Limited Pay: 60 to 359
		Single Pay: 1	Singe Pay: 1
	Without Return of Balance	Regular Pay: 13 to 984 Limited Pay: 13 to 983 Single Pay: 1	Regular Pay: 13 to 360 Limited Pay: 13 to 359 Single Pay: 1	Regular Pay: 13 to 60 Limited Pay: 13 to 59 Single Pay: 1

TTB – Terminal Illness with Term Booster
ATPD: Accidental Total Permanent Disability
ADB: Accidental Death Benefit
ATTPD: Accidental Total and Temporary Permanent Disability

Age as on last birthday

Why Choose Tata AIA Life Insurance Term Plans?

99.41%

Individual Death Claim Settlement Ratio

4 Hour

Express Claim Settlement²

85 Lakh+

Families protected so far³

600+ Branches

Presence across major cities in India

²T&C apply

Looking to buy a new insurance plan?

Our experts are happy to help you!

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1.What are the premium modes available under this plan?
The premium payment modes include single, monthly, quarterly, half-yearly, and annual options, offering flexibility to suit your financial preferences and convenience.

2.How can I claim the benefit under this plan?
To claim benefits, contact us via email at customercare@tataaia.com or call 1860-266-9966. You may also visit any Tata AIA Life Insurance branch office to initiate and complete your claim process.

3.Can I add the Tata AIA Health Buddy Rider 2 to an existing Tata AIA policy?
Yes, the Tata AIA Health Buddy Rider 2 can be added to eligible Tata AIA plans during the policy purchase.

4.Are the benefits received from the Tata AIA Health Buddy Rider 2 taxable?
Benefits received from the Tata AIA Health Buddy Rider 2 will be tax1-free under prevailing tax laws.

5.What types of critical illnesses are covered under this rider?
The Tata AIA Health Buddy Rider 2 covers up to 10 minor and 60 major critical illnesses, depending on the rider chosen. It also includes cancer and heart disease with cardiac and cancer insurance riders.

Disclaimer

Tata AIA Health Buddy Rider 2 - A Non-Linked, Non- Participating, Pure Risk, Individual Health rider (UIN: 110A051V01). The rider can be attached to only unit linked products.
Riders are not mandatory and are available for a nominal extra cost. For more details on the benefits covered and exclusions under the Riders please refer to the Rider Brochure, contact our Insurance Advisor/ Intermediary, or visit our nearest Branch Office.
The rider is available with the below products

Tata AIA Fortune Pro	Tata AIA Life Insurance Fortune Pro (UIN: 110L112V07 or later) – Non-Participating, Unit Linked Individual Life Insurance Savings Plan.
Tata AIA Wealth Pro	Tata AIA Life Insurance Wealth Pro (UIN: 110L111V05 or later) – Non-Participating, Unit Linked, Individual Life Insurance Savings Plan
Tata AIA Fortune Maxima	Tata AIA Life Insurance Fortune Maxima - Non-Participating, Unit Linked Individual Life Insurance Savings Plan (UIN: 110L113V09 or later)
Tata AIA Wealth Maxima	Tata AIA Life Insurance Wealth Maxima – Non-Participating, Unit Linked Individual Life Insurance Savings Plan (UIN:110L114V05 or later)
Tata AIA i-Systematic Insurance Plan	Tata AIA i-Systematic Insurance Plan - Non-Participating. Unit Linked Individual Life Insurance Savings Plan (UIN:110L164V05 or later)
Tata AIA Smart SIP	Tata AIA Smart SIP - Non-Participating, Unit Linked Individual Life Insurance Savings Plan (UIN:110L174V01 or later)
Tata AIA Smart Fortune Plus	Tata AIA Smart Fortune Plus - Non-Participating, Unit Linked Individual Life Insurance Savings Plan (UIN: 110L177V01 or later)
Tata AIA Health Pro	Tata AIA Health Pro (UIN: 110L180V01 or later) - Non-participating, Unit Linked, Individual Health Insurance Plan
Tata AIA Life Insurance Smart Sampoorna Raksha	Tata AIA Life Insurance Smart Sampoorna Raksha (UIN: 110L156V04 or later) - Non-participating, Unit Linked, Individual Life Insurance Savings Plan.
Tata AIA Smart Sampoorna Raksha Pro	Tata AIA Smart Sampoorna Raksha Pro (UIN:110L172V03 or later)- Non -participating, Unit Linked, Individual Life Insurance Savings Plan
Tata AIA Smart Sampoorna Raksha Supreme	Tata AIA Smart Sampoorna Raksha Supreme (UIN: 110L179V02 or later) - Unit Linked, Non-Participating Individual Life Insurance Plan
Tata AIA Smart Health	Tata AIA Smart Health (UIN: 110L168V03 or later) Non-Participating, Unit linked, Individual Health Insurance Plan
Tata AIA Smart Pension Secure	Tata AIA Smart Pension Secure (UIN: 110L182V02 or later) Non-Participating, Unit Linked, Individual Life Insurance Pension Plan

¹Income 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 implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
²Applicable to only non-early claims more than 3 years of policy duration, non-investigation cases, up to Sum assured of 50 lacs. Applicable for branch walk in. Time limit to submit claim to Tata AIA by 2 pm (working days). Subject to submission of complete documents. Not applicable to ULIP policies and open title claims.
³85,76,889 families protected till 31st December 2024.
This Rider is underwritten by Tata AIA Life Insurance Company Ltd. It is not a guaranteed issuance Rider, 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.