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A Non-Linked, Non- Participating Individual Health Rider (UIN:110B031V03)
Stay Prepared for Unexpected Medical Expenses
with Our Affordable Health Rider
A Non-Linked, Non- Participating Individual Health Rider (UIN:110B031V03)
Stay Prepared for Unexpected Medical Expenses
with Our Affordable Health Rider
Tata AIA
Non-Linked Comprehensive Health Rider
Enhanced protection to cover risks which includes Disability, Hospitalization and Illness
- Flexibility to opt for Return of Premiums*
- Get income tax# benefits as per applicable tax laws
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What are Riders in Life Insurance?
Different ailments and health conditions deplete not only the quality of life but also your savings and financial resources. Life insurance can help you secure financial coverage for your loved ones as long as needed. But in the event of an unforeseen risk or event, you need additional coverage to overcome these hurdles.
Therefore, with the help of a life insurance rider^ that can offer coverage against multiple health conditions and critical illnesses, you can enhance your policy coverage. A health rider is an optional coverage you can add to your life insurance plan. As per the ailments and risks covered under the rider, you get a specified amount of coverage that will be paid out to you on the occurrence of any of these events. Hence, your health rider protects you and your family from various critical illnesses and the associated hospitalisation and treatment costs. While riders come at an additional premium, the cost is quite nominal so that you can avail of extra coverage without the burden of financial expenses.
What are Riders in Life Insurance?
Different ailments and health conditions deplete not only the quality of life but also your savings and financial resources. Life insurance can help you secure financial coverage for your loved ones as long as needed. But in the event of an unforeseen risk or event, you need additional coverage to overcome these hurdles.
Therefore, with the help of a life insurance rider^ that can offer coverage against multiple health conditions and critical illnesses, you can enhance your policy coverage. A health rider is an optional coverage you can add to your life insurance plan. As per the ailments and risks covered under the rider, you get a specified amount of coverage that will be paid out to you on the occurrence of any of these events. Hence, your health rider protects you and your family from various critical illnesses and the associated hospitalisation and treatment costs. While riders come at an additional premium, the cost is quite nominal so that you can avail of extra coverage without the burden of financial expenses.
Benefits of Adding Riders to Life Insurance Products
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Additional Coverage
A life insurance rider enhances your life insurance coverage by securing you and your family from specific risks. By doing so, one policy gives you comprehensive protection.
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Affordable Premiums
Paying multiple premiums for different life insurance plans can be very expensive. Riders can be added at a reasonable cost which can be affordable for long term protection.
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Customised Policy
An optional rider under your life insurance plan allows you to customise your insurance plan by adding extra protection against several unexpected illnesses and eventualities.
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Income Tax Benefits
You can receive income tax# benefits as per applicable income tax laws.
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What is the Tata AIA Comprehensive Health Rider?
Tata AIA Non-Linked Comprehensive Health Rider is an optional rider^ that you can add to your life insurance policy and get coverage against the following risks, depending on the benefit option you choose:
Accidental Permanent Total/Partial Disability Benefit
Multistage Critical Illness Benefit
Multistage Cancer Care Benefit
Multistage Cardiac Care Benefit
Hospicare Benefit
With any one or more of these benefit options, you only safeguard yourself and your family from cancer and a host of cardiac conditions and critical illnesses. This rider also allows you to file multiple claims for minor illnesses, injuries, and major-stage conditions.
Benefits of the Tata AIA Non-Linked Comprehensive Health Rider
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01
Accidental Permanent Total/Partial Disability Benefit
If you suffer total/partial and permanent disability within 180 days of an accident, a percentage of the insured amount will be payable as per the benefit schedule. -
02
Multistage Critical Illness Benefit
The Multistage Critical Illness Benefit provides coverage against a range of critical illnesses, including stroke, kidney failure, major organ transplant, and more. -
03
Multistage Cancer Care Benefit
This provides coverage for multiple stages of cancer including early-stage cancers. The benefit can be used for treatment, including diagnosis, surgery, chemotherapy, radiation therapy, and follow-up care. -
04
Multistage Cardiac Care Benefit
It provides cover for 22 minor / major cardiac-related conditions like Heart attack, angioplasty etc -
05
Hospicare Benefit
Pays fixed amount on Hospitalization, ICU benefit and also Recuperation benefit in case of hospitalization for 7 or more days. The cash benefit can be used for any purpose, such as paying for hospital expenses, covering lost income due to hospitalization, or any other expenses related to the hospitalization.
What are the different Illnesses Covered Under this plan?
Multistage Cancer Care Benefit
Minor Stage Cancers |
Major Stage Cancer |
Early-Stage Cancer |
Cancer of Specified Severity |
Carcinoma-in-Situ |
Multistage Cardiac Care Benefit
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Minor Stage Cardiac Conditions |
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1.
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Angioplasty |
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2.
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Balloon Valvotomy or Valvuloplasty |
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3.
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Carotid Artery Surgery |
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4.
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Implantable Cardioverter Defibrillator |
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5.
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Implantation of Pacemaker of Heart |
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6.
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Infective Endocarditis |
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7.
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Minimally Invasive Surgery of Aorta |
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8.
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Pericardiectomy |
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9.
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Pulmonary Thromboembolism |
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10.
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Surgery for Cardiac Arrhythmia |
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11.
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Surgery to Place Ventricular Assist Devices or Total Artificial Hearts |
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12.
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Renal Angioplasty |
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13.
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Pulmonary Artery Graft |
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14.
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Percutaneous Procedures for Heart Valve Surgery |
|
Major Stage Cardiac Conditions |
|
1.
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Myocardial Infarction (First Heart Attack of specified severity) |
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2.
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Open Chest CABG (Coronary Artery Bypass Graft) |
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3.
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Open Heart Replacement or Repair of Heart Valves |
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4.
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Major surgery of Aorta |
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5.
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Heart transplant |
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6.
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Cardiomyopathy (of specified severity) |
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7.
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Stroke resulting in permanent symptoms |
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8.
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Primary (Idiopathic) Pulmonary Hypertension |
Multistage Critical Illness Benefit
|
Major Critical Illnesses |
|
|
|
1.
|
Apallic Syndrome |
21. |
Motor Neuron Disease with Permanent Symptoms |
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2.
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Benign Brain Tumour |
22. |
Multiple Sclerosis with Persisting Symptoms |
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3.
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Blindness |
23. |
Muscular Dystrophy |
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4.
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Severe Rheumatoid Arthritis |
24. |
Parkinson's Disease |
|
5.
|
End Stage Lung Failure |
25. |
Progressive Scleroderma |
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6.
|
Coma of Specified Severity |
26. |
SLE with Renal Involvement |
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7.
|
End Stage Liver Failure |
27. |
Bacterial Meningitis |
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8.
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Kidney Failure requiring Regular Dialysis |
28. |
Chronic Recurrent Pancreatitis |
|
9.
|
Encephalitis |
29. |
Loss of Independent Existence |
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10.
|
Third Degree Burns |
30. |
Poliomyelitis |
|
11.
|
Major Head Trauma |
31. |
Creutzfeldt-Jacob disease |
|
12.
|
Major Organ (less heart)/Bone Marrow Transplant |
|
Minor Critical Illnesses |
|
13.
|
Permanent Paralysis of Limbs |
32. |
Severe Osteoporosis |
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14.
|
Loss of limbs |
33. |
Brain Surgery |
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15.
|
Fulminant Viral Hepatitis |
34. |
Pneumonectomy |
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16.
|
Alzheimer's Disease |
35. |
Small Bowel Transplant |
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17.
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Aplastic Anaemia |
36. |
Cirrhosis of the Liver |
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18.
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Deafness |
37. |
Nephrectomy/removal of one kidney |
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19.
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Loss of Speech |
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Portal Vein Thrombosis |
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20.
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Medullary Cystic Kidney Disease |
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Ulcerative Colitis |
What if no eventuality occurs till the end of the policy term?
The Tata AIA Comprehensive Health Rider allows you to opt for the Return of Balance Premium (ROP)*, which will be paid out to you at the end of the benefit option term. You can opt for this feature with any benefit options under the rider. The ROP should be selected during the inception of the rider and cannot be changed later on. With Return of Premium*, you can receive the total of all premiums paid towards the selected benefit option. This will be calculated after any claim amount has been paid out and other taxes have been excluded. However, the benefit option can only pay out the balance premiums if it is still active and has not been terminated.
Similar Rider Plans
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Frequently Asked Questions
What are the different types of riders in life insurance?
Some of the common Life insurance plans riders are mentioned below
- Critical Illness Rider
- Waiver Of Premium Rider
- Accidental Total and Permanent Disability Rider, Etc.
Is it good to buy a rider with term insurance?
Adding a rider^ to your life insurance policy can be beneficial in different ways. You have the peace of mind of knowing that you and your family will be protected against certain unexpected risks and illnesses if they occur.
The rider sum assured will be paid out to you if and when the covered events occur, and you need to take care of the financial implications of handling the risk. This also saves you from disrupting your savings, making your family financially secure.
Is rider insurance free?
Riders are optional covers you can add to your life insurance plan. They are not free of cost, but their premium is reasonable. Hence, while including riders^ in your policy, be sure which ones will help you the most in an emergency so that you can only pay the premium for the required coverage.
Disclaimer
- The complete name of Tata AIA Non-Linked Comprehensive Health Rider is Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (UIN: 110B031V03) - A Non-Linked, Non- Participating Individual Health Rider
- The complete name of Tata AIA Non-Linked Comprehensive Protection Rider is Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN: 110B033V02) - A Non-Linked, Non- Participating Individual Health Rider
- ^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.
- *If 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, less 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 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/2023/Nov/3943
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