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FOR EXISTING POLICY
FOR NEW POLICY
A Non-Linked, Non- Participating Individual Health Rider (UIN: 110B033V04)
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What are Riders?
A lot of unforeseen health emergencies in life can lead to unexpected and excessive medical expenses. Moreover, when you buy life insurance, you aim to offer your family the most suitable financial protection. Life insurance riders^ can help you enhance your life insurance policy and add another layer of protection for you and your family.
In simple terms, riders are an additional cover over and above your base life insurance policy. These riders can be added to the policy at the time of purchase and offer predetermined coverage against specific risks. For instance, a critical illness rider will cover a list of critical illnesses at certain stages and pay a percentage of the sum assured if you are diagnosed with any of the critical illnesses covered under the plan. Each rider covers a set of risks with a certain sum assured and can be added to the base life insurance policy for an extra but nominal premium.
Benefits of Adding Riders to Life Insurance Products
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Enhanced Coverage
With an optional rider^, you get additional financial coverage against a range of emergency risks and events over and above the base policy’s sum assured.
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Affordable
Adding one or more riders to your policy can be more cost-effective than buying a separate plan to cover unexpected risks during the policy tenure.
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Greater Customisation
Depending on the rider of your choice or the benefit option available, you can choose which risks and emergencies you want to be protected against.
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Income Tax Benefits
By adding Life Insurance riders to your life insurance policy, you can get income tax benefits as per applicable income tax# laws.
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Tata AIA Non-Linked Comprehensive Protection Rider
The Tata AIA Non-Linked Comprehensive Protection Rider is an optional rider solution that helps you plan your unforeseen medical emergencies and also offers tax benefits on the rider premiums as per applicable income tax laws. When added to your base life insurance policy for an additional but nominal premium, you can cover yourself and your family against a range of risks such as Death, Accidental Disability, Critical Illnesses, and Terminal Illnesses. Riders can be attached with multiple products such as Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V01 or later) and Tata AIA Maha Raksha Supreme Select - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V03)You can procure additional coverage for all of the above risks by choosing one or more benefit options, namely:
Term Benefit with Accelerated Terminal Illness (T&TI)
Accidental Death Benefit (ADB)
Accidental Total and Permanent Disability (ATPD)
CritiCare Plus Benefit
CritiCare Benefit
Benefits of the Tata AIA Comprehensive Protection Rider
-
01
Term Benefit with Accelerated Terminal Illness (T&TI)
Under this benefit option, the insured amount, as specified, will be paid out either on the diagnosis of a terminal illness or on death whichever occurs first. -
02
Accidental Death Benefit (ADB)
The insured amount under this option will be payable to the nominee in case the life assured dies due to an accident. The benefit can be doubled under specific instances of accidental death. -
03
Accidental Total and Permanent Disability (ATPD)
The benefit is payable if the life assured suffers a total and permanent disability due to an accident, and the disability occurs within 180 days from the accidental event during the benefit option term. -
04
CritiCare Plus Benefit
The insured amount is payable if the life assured is diagnosed with any of the covered illnesses or are receiving treatment for any covered procedure, subject to your survival for 30 days after the first diagnosis. -
05
CritiCare Benefit
The insured amount under this benefit option will be paid out as an accelerated benefit on the first diagnosis of the covered illness or during the treatment of the covered procedures.
Illnesses Covered Under Criticare Plus Benefit
No. |
Illness/Medical Procedure |
No. |
Illness/Medical Procedure |
|
Cancer: |
21. |
End Stage Liver Failure |
|
1.
|
Cancer of specified severity |
22. |
End Stage Lung Failure |
|
Cardiac Conditions |
23. |
Fulminant Viral Hepatitis |
|
2.
|
Cardiomyopathy (of specified severity) |
24. |
Kidney Failure requiring Regular Dialysis |
|
3.
|
Heart Transplant |
25. |
Loss of Independent Existence |
|
4.
|
Major Surgery of Aorta |
26. |
Loss of limbs |
|
5.
|
Myocardial Infarction (First Heart Attack of specified severity) |
27. |
Loss of Speech |
|
6.
|
Open Chest CABG (Coronary Artery Bypass Graft) |
28. |
Major Head Trauma |
|
7.
|
Open Heart Replacement or Repair of Heart Valves |
29. |
Major Organ (less heart)/ Bone Marrow Transplant |
|
8.
|
Primary (Idiopathic) Pulmonary Hypertension |
30. |
Medullary Cystic Kidney Disease |
|
9.
|
Stroke resulting in permanent symptoms |
31. |
Motor Neuron Disease with Permanent Symptoms |
|
Critical Illness |
32. |
Multiple Sclerosis with Persisting Symptoms |
|
10.
|
Alzheimer's Disease |
33. |
Muscular Dystrophy |
|
11.
|
Apallic Syndrome |
34. |
Parkinson's Disease |
|
12.
|
Aplastic Anaemia |
35. |
Permanent Paralysis of Limbs |
|
13.
|
Bacterial Meningitis |
36. |
Poliomyelitis |
|
14.
|
Benign Brain Tumour |
37. |
Progressive Scleroderma |
|
15.
|
Blindness |
38. |
Severe Rheumatoid Arthritis |
|
16.
|
Chronic Recurrent Pancreatitis |
39. |
SLE with Renal Involvement |
|
17.
|
Coma of Specified Severity |
40. |
Third Degree Burns |
|
18.
|
Creutzfeldt-Jacob disease |
|
|
|
19.
|
Deafness |
|
|
|
20.
|
Encephalitis |
|
|
What If No Eventuality Occurs till the End of the Term?
Under this rider, you can choose to receive the return of the balance premium (ROP)* paid towards one or more selected benefit options, where applicable, that cannot be changed later on.
The total premiums paid towards the selected benefit option are payable after any claim amount, and the loading for the modal premiums has been excluded, provided the benefit option has not been terminated.
Looking to buy a new insurance plan?
Our experts are happy to help you!
Frequently Asked Questions
What are the different types of riders in life insurance?
Some of the common types of riders you can add to your life insurance policy are waiver of premium rider, a critical illness rider, accidental death benefit rider, total and permanent disability rider, and an income benefit rider.
Is it good to buy a rider with term insurance?
Buying a rider with your term insurance plan can be suitable if you want to gain additional coverage on your term insurance sum assured. While the term plan sum assured can cover death, other unforeseen risks such as critical illnesses, accidental disability and others can be covered under the rider of your choice. By adding a rider to your term plan, you can pay a single premium for your base term plan and your rider benefits.
Is Rider insurance free?
Riders are optional add ons that can be attached to your base life insurance policy for an additional but reasonable premium amount. However, the rider premium is combined with the base policy premium and will be paid as one premium. This removes the hassle of paying two separate premiums. Be sure to choose the riders carefully for your life insurance, as every rider incurs a separate premium amount.
Disclaimer
- The complete name of Tata AIA Non-Linked Comprehensive Protection Rider is Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V04) - 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 applicable 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.
- Tata AIA Vitality Health is available with:
Product Name |
Tata AIA Life Insurance MahaLife Gold - Non-Linked, Participating, Whole Life Individual Savings Plan (UIN: 110N029V04 or later) |
Tata AIA Life Insurance Money Back Plus -Non-Linked, Participating, Individual Life Insurance Savings Plan (UIN: 110N119V03 or later) |
Tata AIA Life Insurance Smart Income Plus - A Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N126V05 or later) |
Tata AIA Life Insurance Gold Income Plan - A Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N131V03 or later) |
TataI AIA Life Insurance Diamond Savings Plan - A Non-Linked, Participating Individual Life Insurance Savings Plan (UIN: 110N133V03 or later) |
Tata AIA Life Insurance Guaranteed Monthly Income Plan - Non-Linked, Non-Participating Individual Life Insurance Savings Plan (UIN: 110N147V03 or later) |
Tata AIA Life Insurance Smart Annuity Plan - A, Non-Linked Non-Participating, Individual Annuity Plan (110N150V08 or later) |
Tata AIA Life Guaranteed Return Insurance Plan - Individual, Non-Linked, Non-Participating, Life Insurance Savings Plan (UIN: 110N152V14 or later) |
TataAIA Life Insurance Value Income Plan - Individual, Non-Linked, Participating Life Insurance Savings Plan (UIN: 110N153V02 or later) |
Tata AIA Life Insurance MahaRaksha Supreme - Non-Linked Non-Participating, Individual Life Insurance Pure Risk Premium Product (UIN: 110N102V05 or later) |
TataAIA Life Insurance iRaksha TROP - Non-Linked Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N106V03 or later) |
Tata AIA Life Insurance Sampoorna Raksha- Non-Linked Non-Participating, Individual Life Insurance Savings Product (UIN: 110N129V05 or later) |
Tata AIA Life Insurance Sampoorna Raksha+ - Non-Linked Non-Participating, Individual Life Insurance Savings Product (UIN:110N130V06 or later) |
Tata AIA Life Insurance Fortune Guarantee - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N120V10 or later) |
Tata AIA Life Insurance Saral Jeevan Bima - A Non-Linked Non-Participating Individual Pure Risk Premium Life Insurance Plan (UIN: 110N157V02 or later) |
Tata AIA Life Insurance Sampoorna Raksha Supreme - A Non-Linked Non-Participating Individual Life Insurance Plan (UIN:110N160V05 or later) |
Tata AIA Maha Raksha Supreme Select- Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V03 or later) |
Tata AIA Sampoorna Raksha Promise- Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N176V01 or later) |
- 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/2024/Oct/2986
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