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Protect the financial future of your loved ones against uncertainties of life with our Term Insurance plans that offers you larger cover, higher security, and speedy settlement.
Tata AIA
Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V05)
Tata AIA
Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N171V08)
Grow your wealth with our guaranteed return plans for a fikar-free future and also save on tax. No GST on premium payments through SWIFT/NRE/Forex accounts*
Non-Linked, Non-Participating, Individual Life Insurance Savings Plan UIN: 110N158V13 | ~T&C apply | 2T&C apply
Tata AIA
Individual, Non-Linked, Non-participating, Life Insurance Savings Plan -UIN: 110N206V02 | 22T&C apply
In this policy, the investment risk in investment portfolio is borne by the policyholder.
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.
Discover Complete Health and Wealth: Our comprehensive plan takes care of your health, wellness, and financial security all in one.
Param Raksha Life Pro+
Solution Composition
Param Raksha Life Pro + is designed for combination of benefits of following individual and separate products named (1) Tata AIA Smart Sampoorna Raksha Supreme Unit Linked, Non-Participating Individual Life Insurance Plan (UIN: 110L179V02) and (2) Tata AIA Vitality Protect Advance - A Non-Linked, Non- Participating Individual Health Product (UIN: 110N178V04).
Tata AIA
Solution Composition
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 Rider, A Non- Participating, Unit Linked, Individual Health rider (UIN: 110A050V01) & Tata AIA VitaHealth, A Non-Participating, Non-Linked Individual Health Product (UIN: 110N181V01). Tata AIA Health Pro and VitaHealth are also available for sale individually.
Tata AIA
Non-Participating, Unit Linked, Individual Life Insurance Savings Plan (UIN: 110L112V07)
Plan your retirement wisely with a suitable pension plan for peace of mind in your golden years.
A Non-Linked, Non-Participating, Annuity Plan (UIN:110N161V10) | T&C Apply
Tata AIA
A Single Premium Non-Linked, Non-Participating, Individual, Immediate Annuity Plan (UIN: 110N159V09) | 10T&C apply
NRIs, OCIs/PIOs & Foreign Nationals can purchase life insurance in India. Know what these terms mean:
A citizen of India residing in another country. (NRI can purchase policy when visiting India)
(a) Any person of full age and capacity,
(b) a person, who is a minor child of a person mentioned in clause (a); or
(c) a person, who is a minor child, and whose both parents are citizens of India or one of the parents is a citizen of India; or
(d) spouse of foreign origin of a citizen of India or spouse of foreign origin of an Overseas Citizen of India Cardholder registered under section 7A and whose marriage has been registered and subsisted for a continuous period of not less than two years immediately preceding the presentation of the application under this section: Provided that for the eligibility for registration as an Overseas Citizen of India Cardholder, such spouse shall be subjected to prior security clearance by a competent authority in India: Provided further that no person, who or either of whose parents or grandparents or great grandparents is or had been a citizen of Pakistan, Bangladesh or such other country as the Central Government may, by notification in the Official Gazette, specify, shall be eligible for registration as an Overseas Citizen of India Cardholder under this sub-section.
A person who is not a citizen of India.
Source: The Foreigners Act, 1946; The Citizenship Act, 1955; Foreign Exchange Management (Acquisition and Transfer of Immovable Property in India) Regulations, 2018.
When we refer to NRI in this document, it covers all the profiles mentioned above.
NRIs can purchase life insurance policies from anywhere. Here are the details:
While In India
Life insurance policy can be purchased in India easily through quick, digital process.
When outside India
NRI can purchase the life insurance policy from their current place of residence subject to our Board approved underwriting policy.
NRIs can purchase life insurance policies from anywhere. Here are the details:
While In India
NRI can purchase policy when visiting India. It can be purchased through quick, digital process.
When outside India
NRI can purchase the life insurance policy online from their current place of residence subject to our Board approved underwriting policy.
Tata AIA Life Insurance offers various life insurance products to secure a policyholder's family in the event of an unexpected death. In addition, there are also comprehensive solutions, such as NRI savings plans, NRI retirement plans, etc., that provide savings and investment benefits apart from life insurance coverage. Consider investing in Tata AIA life insurance products:
Leader in retail protection (sum assured) issuance
Leader in investment fund ratings (all funds rated 4 or 5 stars13 by Morningstar14)
Unique investment-linked protection solution
Competitive guaranteed savings and retirement solutions
All eligible NRIs, OCIs/PIOs, and Foreign Nationals can purchase NRI insurance policies in India. We offer the following features for the long term.
Coverage
We provide the required life insurance coverage based on the chosen policy term and the affordable premium cost. This covers them worldwide.
Policy tenure
The NRIs can avail of life insurance for a term suitable to their needs.
Flexibility
The policyholders can also avail themselves of the flexible features provided in India's NRI life insurance policies. For example, they can choose to pay the premium for a limited term while enjoying the benefits through the entire policy term, opting to include the add-on rider30 benefits, etc.,
Different premium payment methods
Premium payments by NRIs/OCIs/PIOs/Foreign Nationals can be made from their NRO/NRE/FCNR accounts in Indian Rupees. Alternatively, they can pay the same amount in foreign currency from their foreign bank account. The banker can be instructed on electronic money remittance through SWIFT into our bank account.
Online procedures
To purchase NRI insurance policies, online medical check-ups and consultation facilities are made available to the policyholders. Therefore, purchasing life insurance plans becomes a simple and convenient option.
Purchasing life insurance plans in India is considered beneficial for the NRIs based on the following:
Compared to many countries offering life insurance plans, the premium rates of NRI term insurance policies are highly affordable.
The NRIs can purchase a life insurance plan in India based on simple steps such as providing the required documents, choosing a comfortable premium payment method, etc.
Tata AIA Life Insurance registered an Individual Death claim settlement ratio of 99.13%28 during FY 2023-24.
When the policyholder is investing in a life insurance plan, the NRI income tax benefits are as follows. the premium paid and the payout received will qualify for a tax9 deduction and exemption benefit based on the income earned and payouts provided in India under Section 80C and Section 10(10D) of the Income Tax Act, 1961, subject to fulfilling conditions specified therein
NRI Customers also can avail themselves of the policy under Married Women Property Act and ensure that the family is safe from the claims of creditors in future.
NRI insurance offers living benefits to policyholder and death benefits to the respective family members in the event of the policyholder's death, irrespective of their location. Here are a few guidelines that every NRI should know.
In rupee life insurance policies, if the claim needs to be settled in favour of the claimants residing outside India, the payout in foreign currency should be proportionate to the amount of premium that has been paid in foreign currency out of the total premiums payable.
Nominees/beneficiaries residing outside India are permitted to credit insurance claims/maturity/surrender value settled in foreign currency to their NRE/FCNR account if they so desire.
A resident beneficiary can open an RFC (Domestic) Account and credit claims/maturity benefits/surrender value settled in foreign currency to the account.
Resident beneficiaries previously residing outside India can open an RFC Account on becoming a resident and credit the proceeds of claims/maturity proceeds/surrender value settled in foreign currency.
If a rupee life insurance policy is issued to an Indian resident outside India and the premiums have been collected in non-repatriable rupees, the claims/maturity benefits/ surrender value will be credited to the beneficiary’s NRO account in rupees. The same applies if a death claim is settled in favour of the assignees/nominees of a resident outside India.
Claims/maturity proceeds/ surrender value in respect of rupee policies issued to foreign nationals not permanently resident in India may be paid in rupees or may be allowed to be remitted abroad, if the claimant so desires
Note – If a credit card issued outside India is used for premium payments, it will not be treated as a payment in foreign currency as it will be credited to Tata AIA Life Insurance in Indian Rupee.
Our experts are happy to help you!
I am an NRI, residing far away from the Branches and offices of Tata AIA, and living in a different time zone. However, I have never felt short of any services, as Riddhi has always been very prompt and responsive. I feel that I have someone to represent me. Thank You Riddhi!
Dear Amit, I received one of the most excellent services rendered by an insurance company, just via WhatsApp and emails, and I truly appreciate it. You have gained a new customer who will refer all his friends to Tata AIA. Keep it going and I wish you all the best for the days to come.
I am an NRI Customer of Tata AIA Life and was visiting India for a few days. I was very skeptical and unclear about the policy working and its advantages to me in the future. But all my fears were laid to rest, when I visited your Branch and met Anushri, who spent a lot of time understanding my doubts and patiently answered all my queries.
She explained all aspects of the policy features in depth. I feel that now I am more educated and informed about the policy, than I was earlier.
(for existing customers)
Yes, you can invest in a life insurance policy based on your residential status of being an NRI (Non-Resident Indian), POI (Person of Indian Origin) or Overseas Citizen of India (OCI) as stated in the Foreign Exchange Management Act (FEMA).
Tata AIA life insurance policies are available online. The NRI can access it all at any time on the official website, provide the necessary documents and purchase the life insurance plan effortlessly. Remote medical underwriting facilities are based on the country of residence. You can always contact the customer service team via WhatsApp or Email for the necessary clarifications related to the medical tests, documents required, etc.
The documentation required will differ based on the choice of the insurer and the NRI insurance product. However, here is a detail about some of the most common documents required.
You can choose your payment mode, Credit card standing instruction, National Automated Clearing House (NACH), Cheque, Debit card, Net banking, NEFT/RTGS, SWIFT, etc.
Yes, you may pay in convertible foreign currency equivalent to the premium.
It is not mandatory for an NRI to have an Indian Bank account to purchase a life insurance policy.
As per the income tax rules for NRI, a PAN card is not mandatory for NRIs; you will have to provide Form 60 instead. However, in case of ITR filing for NRI, to be able to claim TDS credit (withholding tax), you can receive the TDS certificate only by submitting your PAN card.
Yes, online claim settlement is available for the NRIs availing of life insurance benefits. However, it is subject to verification of the required documents and the related premium payments. You can connect to us through WhatsApp or Email for the transfer process.
The claimant may visit any of our offices or send a request from their registered email.
Documents required for Claim:
To get an insurance claim settled, you can get in touch with our customer care team on the official Tata AIA Life Insurance website. To know more about claim settlement, you can refer to the section on Settlement Guidelines.
Address Change, Nominee Change, and Bank Details can be updated Online through ‘My DigiAccount’ on Tata AIA Website (www.tataaia.com). You can also contact us through Email or Whatsapp at any time for further clarification.
On issuance of your policy, we will send a digital copy to your registered email id or a physical copy as per the extant regulatory norms. You can also download the policy document here.
Yes, the country of your residence will affect the premium rate. For example, the premium rate is subject to an increase if the country is highly risky, considering factors such as political instability.
Yes, NRIs can purchase life insurance policies under the Married Women Property Act to ensure that creditors cannot claim the policy benefits that are to be paid out to the policyholder’s family or nominee.
As an NRI, you can cancel your policy through a written notice to the Company during the free-look period. This formal notice has to be submitted within 15 days (for offline policies) or 30 days (electronic or distance marketing mode) of receiving the policy document. Once the cancellation is approved by the Company, you will receive a refund on the premiums paid. This does not include the interest and the proportionate risk premium for the period on the cover; stamp duty and medical examination costs will be deducted as well.
Tax proceeds for NRI/ PIO/OCI Insurance policy will be governed by the provisions of Sec 10(10D) of the income tax law and conditions prescribed under income tax rules for NRI and may be amended from time to time. The same is applicable to all policies except for annuity plan or pension plan for NRI, and health insurance. For a better understanding of the taxability, please contact your financial tax expert.
Effective Feb 2021, all ULIP policies where annual Aggregate premium exceeds Rs 2.5 Lakh premium and from 01st April 2023, all non ULIP policies where annual Aggregate premium exceeds Rs 5.0 Lakh, would be treated as taxable policies. Accordingly, income arising would be taxable at the time of any payout (i.e. Total payout minus Premium paid).
Annuities are considered income in the hands of the receiver and are taxable as per prevailing income tax slabs for non-resident taxpayers.
There is ambiguity in Income tax law on the death proceeds of annuity plans; however, in our view, the same should not be taxable in the hands of the nominee.
A list of major countries where DTAA benefits are available, and payment can be made without deduction of TDS subject to submission of mandatory documents are as under.
No DTAA benefit is available for countries other than those mentioned in the below table, and payment will be subject to deduction of TDS irrespective of submission of mandatory documents.
| Country | Country |
| Australia | Sudan |
New Zealand |
Ukraine |
| Singapore | Zambia |
| Sri Lanka | Switzerland |
| UAE (Dubai) | Ethiopia |
| UK | Ireland |
| USA | Norway |
| Indonesia | Czech Republic |
| Thailand | Hungary |
Saudi Arabia |
Iceland |
| France | Uganda |
| Germany | Mauritius |
| Mozambique | Vietnam |
| Nepal | Kazakhstan |
| Oman | Belgium |
| Philippines | Romania |
| Portugal | Poland |
| Netherland |
Particulars |
Tax Rate* |
Aggregate Taxable payout is up to |
31.20% |
Aggregate Taxable payout exceeds |
34.32% |
Aggregate Taxable payout is more than ₹ 1 crore |
35.88% |
*Including applicable surcharge and cess. *This is as prevailing Tax rates.
In case a valid PAN is provided, the policyholder can claim credit for TDS deducted by filing a Non-Resident Indian income tax return.
Above DTAA benefits would be applicable for annuity payout, however in case of ULIP and non ULIP plan, payout would be taxable. Such NRI are required to file tax return in India, in accordance to provisions of income tax law. NRI will be eligible to get tax credit of tax so paid.
On surrendering a policy, TDS would be applicable on the incremental amount, i.e., Surrender value minus the amount of total premium paid. No TDS will be deducted if the surrender value is equal to or lower than the total premium paid.
The policyholder needs to submit the FATCA/CRS declaration form at the time of onboarding and during benefit pay-out (once in a calendar year). Pl refer questions referred below for details on FATCA.
The following documents need to be submitted with us:
The following documents need to be submitted to us:
The life insurance policy will carry on in Indian currency after you move abroad. The maturity and death benefits will be payable if the premiums are paid regularly.
The NRI should provide the insurer with their current address and residence status, but the life insurance coverage will continue across the world.
FATCA stands for Foreign Account Tax Compliance Act and includes reporting the details of accounts (policies) held by individuals being citizens or residents of the United States of America (‘US’) as may be prescribed.
CRS stands for Common Reporting Standard and includes reporting the details of accounts (policies) held by an individual other than US citizens or US residents.
Central Board of Direct Taxes (CBDT) has adopted the rules of FATCA/CRS and issued guidelines for reportable transactions and required declaration/documents to be obtained to ensure regarding NRI who are covered under the Foreign Account Tax Compliance Act (FATCA) or Common Reporting Standard (CRS).
It is applicable to all the policyholders for whom any of the following indicia belongs outside India:
For further information on FATCA/CRS, please visit www.incometaxindia.gov.in and refer to Central Board of Direct Taxes (CBDT) notification news on ‘Due Diligence and Reporting Rules 114F to 114H under section 285BA of Income Tax Act, 1961’
Initially, a FATCA/CRS declaration is required along with the proposal form. All details need to be ensured mentioned correctly, For instance – TIN, Country of Tax, and address.
Govt of India has made changes in Income tax act vide finance act 2023, that in case a policyholder has incorrectly filled FATCA forms, same would be leading to penalty of Rs 5000 per year on policyholder.
In case of any change in address or change in status from NRI to resident, please inform the company official to update the same in the record so that reporting can be taken care of.
Valid TIN Number is mandatorily required to be furnished along with tax country in FATCA/CRS forms; in countries where no income tax law applies (Middle East), other ID numbers available with the customer can be mentioned.
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Disclaimer
IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. 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 Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V05)
The complete name of Tata AIA Fortune Guarantee Plus is Tata AIA Life Insurance Fortune Guarantee Plus (UIN: 110N158V13) - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan.
Tata AIA Fortune Guarantee Secure - Individual, Non-Linked, Non-participating, Life Insurance Savings Plan (UIN: 110N206V02)
Tata AIA Maha Raksha Supreme Select - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V08)
The complete name of Tata AIA Saral Pension is Tata AIA Life Insurance Saral Pension (UIN: 110N159V09) - A Single Premium, Non-Linked, Non-Participating, Individual, Immediate Annuity Plan
The complete name of Tata AIA Fortune Guarantee Pension is Tata AIA Life Insurance Fortune Guarantee Pension (UIN:110N161V10) - A Non-Linked Non-Participating Individual Life Insurance Plan. Multiple options are available in this plan: Immediate Life Annuity, Immediate Life Annuity with Return of Purchase Price, Deferred Life Annuity(GA-I) and with Return of Purchase Price, Deferred Life Annuity (GA-II) and with Return of Purchase Price.
Param Raksha Life Pro+ is designed for combination of benefits of following individual and separate products named (1) Tata AIA Smart Sampoorna Raksha Supreme Unit Linked, Non-Participating Individual Life Insurance Plan (UIN: 110L179V02) and (2) Tata AIA Vitality Protect Advance - A Non-Linked, Non- Participating Individual Health Product (UIN: 110N178V01).
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 Rider, A Non- Participating, Unit Linked, Individual Health rider (UIN: 110A050V01) & Tata AIA VitaHealth, A Non-Participating, Non-Linked Individual Health Product (UIN: 110N181V01). Tata AIA Health Pro and VitaHealth are also available for sale individually.
The complete name of Tata AIA Fortune Pro is Tata AIA Life Insurance Fortune Pro (UIN: 110L112V07) – Non-Participating, Unit Linked Individual Life Insurance Savings Plan.
#Illustrated Premium is the monthly premium excluding taxes for 20 yr. old female, Standard Life, Non-Smoker for 2 Cr. Sum Assured with Policy Term of 20 yrs. (Regular Pay) with Life Secure plan option salaried person. Please refer Benefit Illustration for more details. Tata AIA Life shall have the right to claim, deduct, adjust, recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy. Kindly refer the sales illustration for the exact premium.
##This includes first year digital discount of 10% for Limited Pay/Regular Pay and 8.5% salaried discount. For Single Pay, 1% discount will be available for online purchase and salaried discount each.
~Guaranteed Income shall be total of Guaranteed annual Income plus Income Booster payable in a year. Guaranteed Income as per the chosen Income Frequency shall commence after maturity till the end of the Income Period, irrespective of survival of the life insured(s) during the Income Period.
*No GST on premium payments through SWIFT/NRE/Forex accounts subject to submission of address proof of foreign residence every year
**Guaranteed Annual Income (GAI) in the Regular Income option is a percentage of one Annualised Premium while in the Whole Life Income option is a percentage of the Total Premiums Paid
#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.
1With this feature, instant death benefit of INR 3 Lacs from the Sum Assured will be paid within 1 working day from the claim registration date. This feature is applicable only after a waiting period of 3 policy years from the policy inception or revival of the policy and provided the policy is in force. The remaining SA shall be payable post the completion of the claim investigation. Further, in case of any discrepancy in the claim investigation resulting in the final decision of non-payment of the claim, the company reserves the right to recover the already paid amount. The acceleration of instant claim should not be construed/interpreted as acceptance of the claim.
2Tax benefits of up to ₹46,800 u/s 80C is calculated at highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium paid of ₹1,50,000. Tax benefits under the policy are subject to conditions laid under Section 80C, 80D,10(10D), 115BAC and other applicable provisions of the Income Tax Act,1961. Good and Service tax and Cess if any will be charged extra as per prevailing rates. The Tax-Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.
3Income 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.
5©2024 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India, and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar”); (2) may not be copied, redistributed or used, by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from data published on various dates and procured from various sources and (5) shall not be construed as an offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates, or agents shall be responsible or liable for any trading decisions, damages or other losses resulting directly or indirectly from the information.
6Subject to a maximum policy term of 40 years
8Loyalty Additions will be credited only if Policy is in-force and all due premiums have been paid. For Regular Pay & Limited Pay, additional units @ 0.20% of units in each of the funds under Regular Premium Account will be credited (post deduction of applicable charges) to the respective funds every Policy Anniversary starting from eleventh (11th) Policy Anniversary till end of Policy Term. For Single Pay, additional units @ 0.35% of units in each of the funds under the Single Premium Account will be credited (post deduction of applicable charges) to the respective funds every policy anniversary starting from sixth (6th) Policy Anniversary till end of Policy Term. Loyalty Additions are not payable on Top-up Premium Account.
9Return of Purchase price means return of all premiums paid excluding any extra premium, any rider premium, taxes and other statutory levies, if applicable
10Illustrated annuity rate is for joint life where one of the annuitants is 60 years of age while the other is above 69 years and purchase price is 25 Lakh and above for plan type - Joint Life Last Survivor Annuity with Return of 100% of Purchase Price (ROP) on death of the last survivor.
11The word Guaranteed, and Guarantee means the annuity payout is fixed at inception of the policy and will be payable for whole of life or till death of the Annuitant(s).
1285,76,889 families protected till 31st December 2024.
13Retail Sum Assured for FY23 is Rs 4,43,479 Crores.
14As on 03rd April 2024, the company has a total Assets Under Management (AUM) of Rs.100,099.11 Crores.
15Individual Death Claim Settlement Ratio is 99.13% for FY 2023 - 24 as per the latest annual audited figures.
16Applicable to only non-early claims with more than 3 years of policy duration, non-investigation cases, up to Sum Assured of Rs. 50 lakhs. Applicable for branch walk in. Time limit to submit claim to Tata AIA Life Insurance is 2 pm on working days. Subject to submission of complete documents. Not applicable for ULIP policies and open title claims.
17Riders 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.
18With FlexiPay Benefit, policyholder is allowed to defer the due premium for a period of 12 months while maintaining the full risk cover under the base plan and attached riders. At the end of Premium Deferment period, the policyholder is required to pay the due premiums, including the premium applicable for the period of Premium Deferment, i.e. the base cover premium and additional premium (if any). | This benefit shall be available for multiple times with a gap of 5 policy years from the expiry date of previous Premium Deferment. The option can be exercised only after payment of 5 full years premium. | No interest shall be levied on the premium due during the Premium Deferment period. If the premiums due are not paid within the grace period after expiry of the Premium Deferment, the Policy (including Rider(s), if any) shall lapse and no benefits shall be payable in the Policy or the Rider(s), if any) and company shall be entitled to recover the same from any amounts or This benefit payable under the Policy or Rider(s).
19Benefit of early ROP allows the customer to get the Maturity benefit under Tata AIA VitaHealth in advance, up to certain percentage of Total premiums paid for health-related expenses. For more details kindly refer to sales brochure.
20Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations.
21Loyalty Additions will be credited only if Policy is in-force and all due premiums have been paid. For Regular Pay & Limited Pay, additional units @ 0.20% of units in each of the funds under Regular Premium Account will be credited (post deduction of applicable charges) to the respective funds every Policy Anniversary starting from eleventh (11th) Policy Anniversary till end of Policy Term. For Single Pay, additional units @ 0.35% of units in each of the funds under the Single Premium Account will be credited (post deduction of applicable charges) to the respective funds every policy anniversary starting from sixth (6th) Policy Anniversary till end of Policy Term. Loyalty Additions are not payable on Top-up Premium Account.
22Guaranteed returns in this plan depends on Age at Entry of life assured, Premium payment term, policy term, premium amount and plan option chosen. Guaranteed income shall be a % of Annualized Premium (before discount). Such Income shall be payable every year during Income Period as per the guaranteed chosen option.
For ULIP products
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).
Investments 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.
Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Health pro and Tata AIA Fortune Pro and Tata AIA Smart Sampoorna Raksha is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
Unit Linked Life 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 Life 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.
This product is underwritten by Tata AIA Life Insurance Company Ltd.
The plan is not a guaranteed issuance plan, and it will be subject to company’s underwriting and acceptance.
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. The precise terms and condition of this plan are specified in the Policy Contract.
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.
L&C/Advt/2025/Mar/1554
FOR EXISTING POLICY 
FOR NEW POLICY 
