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Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N158V07)

Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N158V06)

Tata AIA
Fortune Guarantee Plus


Get Guaranteed* Income and save up to Rs 46,800++ in taxes every year.

Tata AIA
Fortune Guarantee Plus

Get Guaranteed* Income and save up to Rs 46,800++ in taxes every year.

Get Health cover against 40 Critical Illnesses~

Get Health cover against 40 Critical Illnesses~

Pay Premium as per convenience in monthly instalments

Pay Premium as per convenience in monthly instalments

Get your premium amount back% and save more

Get your premium amount back% and save more

Get guaranteed* income to fulfill your life goals

Get guaranteed* income to fulfill your life goals

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TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in.

With Tata AIA Fortune Guarantee Plus, a savings insurance plan, create a stream of guaranteed*, tax-free# income for a period of your choice. Be it meeting unplanned expenses or making your loved ones financially independent, the savings plan helps you fulfil your financial goals in a guaranteed* manner.

 

With Tata AIA Fortune Guarantee Plus, a savings insurance plan, create a stream of guaranteed*, tax-free# income for a period of your choice. Be it meeting unplanned expenses or making your loved ones financially independent, the savings plan helps you fulfil your financial goals in a guaranteed* manner.

What are the benefits of Tata AIA Fortune Guarantee Plus?

Get Guaranteed* Income

Get Guaranteed* Income  | Tata AIA Life Insurance Company

Get Guaranteed* Income

Get guaranteed* tax-free# alternate source of income for yourself or your loved ones, assisting you in achieving your financial goals such as buying your car or dream house.

Health Cover against 40 critical illnesses

Health Cover against 40 Critical Illnesses | Tata AIA Life Insurance Company

Health Cover against 40 critical illnesses

This savings plan provides you an option with inbuilt critical illness benefit that gives you financial assistance upon the diagnosis of any of 40 defined critical illnesses including cancer and cardiac arrest~

Get your Premium% Amount Back

Return of Premium at the end of Income Period | Tata AIA Life Insurance Company

Get your Premium% Amount Back

While you enjoy peace of mind with guaranteed* tax-free# annual income, your entire premiums paid are returned at the end of the income period.

Save Tax# up to 46,800++

Save Tax^ up to 46,800$ | Tata AIA Life Insurance Company

Save Tax# up to 46,800++

Your premiums paid and guaranteed* income received on maturity is all TAX Free! Also, save income tax up to Rs 46,800++ every year. 

Avail Free Online Medical Consultation**

Get advice from global experts with 24/7 multiple consultation services | Tata AIA Life Insurance Company

Avail Free Online Medical Consultation**

Get Instant Online Medical Consultations for 23+ specialties. 24x7 doctor availability and instant connection reduces the need to visit doctors. 

Pay As Per Convenience

Instant Online Medical Consultations for 23+ specialties | Tata AIA Life Insurance Company

Pay As Per Convenience

You can choose your premium payment mode between single, annual, half-yearly, quarterly, and monthly mode.

Optional Riders

Optional Riders

You can add optional riders^ to increase your plan coverage  

Choose Income Frequency

Choose Income Frequency

Option to receive income either on a monthly or annual basis, as per convenience.

Choose Income Plan

Choose Income Plan

Choose from either a regular income plan or regular income with an in-built critical illness benefit.

Joint Life Policy

Joint Life Policy

With Joint Life policy option, provide life cover to your spouse under the same policy.

Why Choose Tata AIA Life Insurance?

  • Choose income frequency | Tata AIA Life Insurance Company
    68 Lacs +

    Families protected1 so far

  • Choose from either a regular income plan or regular income plan | Tata AIA Life Insurance Company
    98.53%

    Claim settlement ratio2 for FY 21 -22

  • Choose any additional riders to increase the protective cover | Tata AIA Life Insurance Company
    62,800 + Crores

    Worth of Assets Under Management3

  • Choice of Joint Life policy under single premium payment option | Tata AIA Life Insurance Company
    4 Hours

    Express Claim Settlement4

  • Pay as per Convenience | Tata AIA Life Insurance Company
    400 + Branches across India

    Presence across major cities

  • Choose Income Start Date | Tata AIA Life Insurance Company
    Pay your Way

    Flexibility to choose premium payment mode as per convenience

Enrol in Tata AIA Vitality (Wellness Program)5
 

Tata AIA Vitality is a globally recognized, holistic and science-based wellness program that helps you understand and improve your health while also rewarding you. The rewards may be in the form of Discount on Premium, Cover Booster etc. 

On enrolling into the Wellness Program, you can get an upfront discount of up to 10% on your premium. The premium discount in the subsequent years may increase or decrease based on your Wellness status (Decided based on your engagement levels, i.e., completion of health assessments, achievement of fitness goals etc.).
 


Enrol in Tata AIA Vitality (Wellness Program)5


Tata AIA Vitality is a globally recognized, holistic and science-based wellness program that helps you understand and improve your health while also rewarding you. The rewards may be in the form of Discount on Premium, Cover Booster etc. 

On enrolling into the Wellness Program, you can get an upfront discount of up to 10% on your premium. The premium discount in the subsequent years may increase or decrease based on your Wellness status (Decided based on your engagement levels, i.e., completion of health assessments, achievement of fitness goals etc.).

How to Create Your Own Plan?

Tata AIA Fortune Guarantee Plus gives you a wide choice of payment and policy terms. With income term as long as 45 years, you can receive immediate income after the payment term or deferred income as per your financial needs.

  • 01
    Option to choose between 2 variants
    You get the choice of regular income or regular income with an inbuilt critical illness benefit.
  • 02
    Choose between single or joint life options
    Secure yourself financially with the single-life option or extend the financial benefit to your spouse by choosing the joint-life option (Joint Life is available with Single Pay option only)
  • 03
    Select a Suitable Policy Term (PT) and Premium Payment Term (PPT)
    Pay one time or for a limited tenure or the entire term as per your convenience.
  • 04
    Choose income term as per your life goals
    Choose between income terms of 20, 25, 30, 35, 40 or 45 years.  Choose between income terms of 20, 25, 30, 35, 40 or 45 years.
  • 05
    Leave a guaranteed legacy for your loved ones
    Guaranteed annual income is paid irrespective of the survival of the life insured(s) during the income term. Payouts during the income term ensure financial support to your loved ones even in your absence.
  • 06
    Return of premium
    Return of all the premiums paid as a lump sum amount at the end of the income term, irrespective of survival of life insured(s), ensures additional financial support for self or loved ones.


 

How to Purchase this Plan?

  • 01
    AppDownload

    Use our online calculator to calculate the income you need to fulfil your life goals.



     

  • 02
    Mail

    Upload all the mandatory documents and fill the guided form to issue the plan.


     

  • 03
    Createpassword

    You can make the premium payment online hassle free using multiple premium payment options such as credit card, debit card, payment wallets, net banking etc.

  • 04
    Group1145

    Your plan will be issued post verification of your details submitted.



     

How to Purchase this Plan?

  • 01
    AppDownload

    Use our online calculator to calculate the income you need to fulfil your life goals.



     

  • 02
    Mail

    Upload all the mandatory documents and fill the guided form to issue the plan.



     

  • 03
    Createpassword

    You can make the premium payment online hassle free using multiple premium payment options such as credit card, debit card, payment wallets, net banking etc.

  • 04
    Group1145

    Your plan will be issued post verification of your details submitted.




     

Know the Right Plan Option for You

 

Option 1

Option 2

Plan Option

Regular Income

Regular Income with an inbuilt Critical Illness benefit

Minimum Entry Age

1 year (subject to a minimum maturity age of 18 years)

18 years

Maximum Entry Age

60 years

60 years

Minimum Age at Maturity

18 years

23 years

Maximum Age at Maturity

77 years

70 years

Income Period

20 to 45 years (in multiples of 5 years). The Policy Term + Income period is within the range of 25 years to 50 years

30 years for 5 pay and 25 years for 10 pay

Income Mode

Annual & Monthly

Coverage

Single Life & Joint Life (Joint Life for Single Pay option only)

Minimum Premium

Single Pay - Rs. 5,000

Limited Pay /Regular Pay – Rs. 24,000 p.a.

Maximum Premium

No Limit


All reference to age is as on last birthday.

Know the Policy Term and Premium Payment Term


Premium 
Payment
Term

Policy Term

Option 1

Option 2

Single Pay 

Regular Pay 

Limited Pay 

Regular Pay

1 year

 5 years - - -

5 to 12 years

-  Same as PPT  - -

5 years

- - 6 to 10 years  Same as PPT 

6 years

- - 7 to 11 years  -

7 years

- - 8 to 12 years -

8 years

- - 9 to 13 years -

9 years

- - 10 to 14 years -

10 years

- - 11 to 15 years Same as PPT

11 years

- - 12 to 16 years -

12 years

- - 13 to 17 years -

Add Optional Riders^ to Increase Plan Coverage

Tata AIA Vitality Protect A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V01)

Covers risks like Death, Accidental Death/Disability, Critical Illnesses and Terminal Illness
Wellness program with up to 5%5 upfront premium discount
Flexibility to receive benefit as combination of lump-sum and income for fixed period, income till survival of partner, or as waiver of future premiums
Know More

Tata AIA Vitality Health A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V01)

3C Protection: Cancer, Cardiac and Critical Illnesses along with Hospitalization and Accidental Disability Benefit
Wellness program with up to 10%5 upfront premium discount
The rider provides coverage against both major illnesses, and minor injuries or illnesses, while allowing multiple claim payouts
Know More

Tata AIA Non-Linked Comprehensive Protection Rider (UIN:110B033V02 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider 

Choose one or more benefit options (risk covers), including death, accidental death / disability, critical illness, and terminal illness
Flexibility to receive benefit as combination of lump-sum and income for fixed period, income till survival of partner, or as waiver of future premiums
Know More

Tata AIA  Non-Linked Comprehensive Health Rider  (UIN: 110B031V02 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider) 

Choose one or more benefit options (risk covers), from a list of 5 available options, including disability, hospitalization, and illness
The rider provides coverage against both major illnesses, and minor injuries or illnesses, while allowing multiple claim payouts
Know More

Need more information?

Let us help you

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TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in.


Frequently Asked Questions
 

  • General Queries

    What is a savings policy?

    A savings plan is a life insurance plan that provides an avenue for savings for important life goals and a basic life cover to support your family financially. The life cover will provide financial security to your family and ensure a steady source of income in absence of the life assured so that their lifestyle is not compromised.

    What are riders? Why do I need a rider?

    Riders^ are add-on benefits that can be attached to a life insurance plan at a nominal cost. These riders offer multiple benefits such as coverage against accidental death, disability, critical & terminal illness, unforeseen medical expenses, etc.

    What is a claim settlement ratio?

    The claim settlement ratio is referred to as the number of claims that have been passed by an insurance company. It is the ratio of the number of claims settled by an insurer to the number of claims filed in a given period.

    What is a regular income / guaranteed income insurance plan?

    A regular income or guaranteed income insurance plan is a savings plan that allows you to accumulate a savings corpus over the policy term, along with a basic life cover. When the policy matures, you can choose to receive the guaranteed benefits of the plan, which is the accumulated financial corpus in the form of a regular/guaranteed income for an income period of your choice. Additionally, in case of your unfortunate demise, the family receives the death benefit.

    Why do I need a savings plan?

    A savings insurance plan provides an avenue for disciplined savings with guaranteed or non-guaranteed benefits to plan for important life goals. In addition, savings plans come with a basic life cover which ensures financial support to your loved ones in case of your absence.

    What documents would I require to buy a guaranteed savings insurance plan?

    To buy an insurance policy, you need to submit the following mandatory documents.

    Proof of address: The following documents are accepted as valid proof of your address.

    • Bank Statement (or passbook) with the latest entries for six months

    • Aadhaar card

    • Passport

    • Voter's ID

    • Driving license

    • Electricity/telephone bill

    • Ration card

    Proof of identity: Some of the documents that are accepted as valid proof of your identity include:

    • PAN card

    • Aadhaar card

    • Passport

    • Driving license

    Documents showing proof of income: These documents, which are required only for a few plans, include:

    • Salary slips of the previous 3 months

    • Income tax returns/Employer certificate

    • Bank statement of the previous 6 months

    • Latest Form 16

    When does a policy lapse?

    When the premiums for 2 consecutive years have not been paid within the grace period, the policy will lapse from the due date of ­first unpaid premium, and no benefits will be payable to the policyholder.

    What is the difference between guaranteed income and whole life insurance?

    Whole life insurance is a form of life insurance where the life cover or the policy term is up to the age of 100 years. This means that the policyholder’s family can be protected with a life cover for the policyholder’s entire lifetime. At the end of the policy term, a whole life plan may offer an accumulated corpus or the return of all the paid premiums as a survival benefit.

    On the other hand, a guaranteed income plan is a savings avenue where the maturity benefits are assured or guaranteed and can be paid out as a regular income or as a lump sum, as per the policyholder’s choice. However, a guaranteed income plan may also offer the return of premiums with the maturity benefit.

    In the case of whole life insurance as well as a guaranteed income plan, if the policyholder dies during the policy term, the insurance company will pay a death benefit to the appointed nominees.

    What is the maturity benefit in a guaranteed income plan?

    The maturity benefit in a guaranteed income plan is the money/funds saved over the policy term that has been paid in the form of premiums. This amount can either be paid out as a lump sum benefit or as a regular income once the policy matures.

    Why purchase our best guaranteed return insurance plan?

    With our best guaranteed return insurance plan, you can choose from the policy term and a sum assured of your choice to provide life insurance coverage to your family as per your insurance needs. To ensure that the premiums can be paid at your convenience, you can also choose a flexible premium paying term and frequency.


    You can make the most of our guaranteed return insurance plan with a range of policy benefits, such as life cover, guaranteed returns, and regular savings through easy premium payments.

  • Policy

    What are the variants of the Tata AIA Fortune Guarantee Plus plan?

    The Tata AIA Fortune Guarantee Plus offers the following two variants:

    • Regular Income

    • Regular Income with an inbuilt Critical Illness benefit

    Do I get any tax benefits with this plan?

    Yes! You can save tax up to 46,800++ and avail tax benefits as per the applicable income tax laws. The premiums paid will qualify for tax benefits under section 80C of the income tax act. 

    What is the grace period for this plan?

    This plan provides a grace period of 15 days for the monthly payment mode and 30 days for all other modes from the due date of subsequent premium payments.

    Does this plan offer a Free Look period?

    Yes, this plan has a free look period of 15 days from the date of issuance if the policy has been purchased offline. Otherwise, for the electronic/online/distance marketing mode, the free look period is 30 days from the date of issuance.

    Does the Tata AIA Fortune Guarantee Plus have a loan facility?

    Yes, once the policy acquires a surrender value, you can apply for a policy loan for an amount that does not exceed 80% of the surrender value. The assignee of the policy will be Tata AIA Life. 

    Are guaranteed return plans tax-free?

    With guaranteed* return plans, such as Tata AIA Fortune Guarantee Plus (Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N158V07), you can save income tax# up to 46,800++ every year. 

    What is the difference between the plan variants, i.e., regular income and regular income with critical illness benefit?

    There are very few differences between the two plan variants – regular income and regular income with critical illness benefit.

    The main difference is that the second plan option comes with an inbuilt critical illness benefit that offers coverage against 40 critical illnesses, which the first plan option does not.

    Only the Regular Pay option for premium payment is enabled under the second plan option, and the Income Period is different for both plan options – 20 to 45 years for option 1 and 30 or 25 years for option 2.

  • Premium Payment

    What is the minimum premium amount that needs to be paid for this plan?

    When you purchase the Fortune Guarantee Plus by Tata AIA, the minimum premium6 amount to be paid is as follows:

    • Single Pay - ₹5,000

    • Limited Pay / Regular Pay – ₹24,000 p.a.

    What is the premium payment frequency for this life insurance investment plan?

    You can choose from the following premium payment frequencies

    • Annual

    • Half-yearly

    • Quarterly

    • Monthly

    • Single

    In which modes can I receive income from this plan?

    You can choose to receive the income benefit from the plan either monthly or annually.

    When do I receive the return of premium benefit with this plan?

    The return of premium benefit will be payable at the end of the income period, irrespective of the survival of the policyholder during the income period.  

    Do I need to pay any extra premiums for the Tata AIA Fortune Guarantee Plus?

    Apart from the base policy premiums, you will have to pay additional premiums only if you opt for a rider^ benefit to enhance the policy coverage.

    What premium payment frequency options do I have under this policy?

    You can pay your premiums for this policy through the Single, Annual, Half-yearly, Quarterly or Monthly modes.

    Can I change the premium payment frequency?

    The premium payment frequency is fixed at the time of policy purchase. But if you need to change the premium frequency, you can do so after the first policy year, when all the premiums for the first year are paid.

    What is the maximum and minimum term for premium payments?

    Under plan option 1, the minimum and maximum premium payment terms are:

    • Single Pay – 1 year for a policy term of 5 years

    • Regular Pay – minimum of 5 years and maximum of 10 years.

    • Limited Pay – 5 years for PT of 6-10 years and 12 years for PT of 13-17 years.

    • Under plan option 2, the minimum and maximum premium payment terms are 5 and 10 years, respectively.

    What if the premium payment is discontinued before and after the policy surrender?

    If you discontinue the premium payment before surrendering the policy, you will get a grace period of 15/30 days (15 days for monthly mode, 30 days for all other modes) from the due date of the unpaid premium to pay the premium. The policy will be active during this time, and you can continue receiving life insurance coverage. However, the policy will lapse unless you pay your premiums after the grace period.

    If you surrender your policy, the application will be reviewed by Tata AIA Life Insurance company, and once the surrender is accepted, you need not pay the policy premiums anymore.

  • Life Cover

    Can I change the plan option once chosen?

    No. You can choose one of the two plan options – Regular Income or Regular Income with inbuilt Critical Illness benefit – only at the time of purchasing this savings plan and cannot make any changes after.

    Which rider can I purchase with the Tata AIA Fortune Guarantee Plus plan?

    With the Tata AIA Fortune Guarantee Plus plan, you can purchase the following riders^.
     

    • Tata AIA
      Vitality Protect
      A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V01 or any other later version)

    • Tata AIA
      Vitality Health
      A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V01 or any other later version)

    • Tata AIA
      Non-Linked Comprehensive Protection Rider
      A Non-Linked, Non- Participating Individual Health Rider - (UIN:110B033V02 or any other later version)

    • Tata AIA
      Non-Linked Comprehensive Health Rider

      A Non-Linked, Non- Participating Individual Health Rider - (UIN: 110B031V02 or any other later version)

    Does this plan provide an option for Joint Life Policy?

    Yes, with the Regular Income variant of the Tata AIA Fortune Guarantee Plus plan, you can choose Joint Life Policy under the Single Pay mode for premium payments option.

    What is the Income Period under this plan?

    You can receive regular income under this plan during the Income Period starting from 20 years for as long as 45 years, as selected by you.

    Does this plan offer a waiver of premium benefit?

    Yes, if you choose the Regular Income with In-built Critical Illness benefit, the waiver of premium benefit will be applicable. During the policy term and before maturity, if you are diagnosed with a critical illness and the pay-out for the contingency has been made, the plan will continue to be in effect, and all future premiums will be waived off.

    Does the plan provide death benefits along with maturity benefits?

    No!  if the insured passes away during the policy term, the nominee can file a death claim and receive the benefits. However, if the insured survives the policy term, they will receive the financial corpus accumulated under the savings policy as a maturity benefit.

  • Claim Related Queries

    What are the documents required for a claim settlement?

    Please click on here to know the list of documents needed for the claim intimation and settlement process.

    How can I raise a claim under this savings policy?

     To raise a claim, 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

    How will the claim be processed if the nominee is outside of India?

    If the nominee is outside of India and the claim needs to be filed, then the nominee can file the claim online by uploading the attested copies of the required documents online or through email. If the nominee wishes to file the claim offline, then they can courier their documents to their representative in India, who can visit our office and initiate the process.

    Does the claim have to be filed at the same Tata AIA Life Insurance branch where the policy was purchased?

    No, the claim can be filed at any Tata AIA Life Insurance branch, as per your/the nominee’s convenience. You can locate our office branches and visit the one nearest to you for the claim initiation.

    Can I file a Critical Illness claim under this plan?

    Yes, if you have chosen the Regular Income with In-built Critical Illness Benefit option under this plan, then you can file a claim with us if and when you are diagnosed with a critical illness that is listed in the policy.

Disclaimers
  • 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 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.
  • *Guaranteed Income shall be a fixed percentage of the Annualised Premium / Single Premium (excluding discount) payable in a year. Guaranteed Annual 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.
  • ++Tax 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.
  • ~Available under Regular Income with an Inbuilt Critical Illness Benefit option
  • %Return of Premium Benefit is The Total Premiums Paid (excluding loading for modal premiums and discount) by the policyholder will be payable at the end of the Income Period, irrespective of survival of the life insured(s) during the Income Period.
  • #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 implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
  • ^Riders 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.
  • Tata AIA Vitality Protect - A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V01), Tata AIA Vitality Health, A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V01), Tata AIA Non-Linked Comprehensive Protection Rider (UIN:110B033V02 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider Tata AIA Non-Linked Comprehensive Health Rider (UIN: 110B031V02 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider) are available under this plan
  • **Service is currently being provided by Practo. Medical Consultation is available under eligible policies of Tata AIA Life Insurance. Medical Consultation feature is optional. It is the customer’s sole discretion to avail Medical Consultation and to follow the advice suggested by the service provider. All medical-related dealing will be directly with the service provider and not with Tata AIA Life Insurance. It is available only for Life Assured of active policies for select products/riders. This feature can be discontinued, or service provider may be changed at any time at Tata AIA Life Insurance’s discretion. This feature is provided by a third-party service provider and Tata AIA Life Insurance shall not be liable for any liability arising due to customer opting to avail this feature.
  • 168,75,083 families protected till October 2022
  • 2Individual Life Claim Settlement Ratio is 98.53% for FY 2021 - 22 as per the latest annual audited figures.
  • 3As on 31st August 2022, the company has a total Assets Under Management (AUM) of Rs. 62,894 Crores
  • 4Applicable 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.
  • 5On enrolling into the Wellness Program, you get an upfront discount of 5% on 1st year premium for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care Benefits and of 10% on 1st year premium for Term Booster, Criticare Plus, Accelerated Criticare, Multistage Criticare, Cancer Care, Cardiac Care. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the Up-front Rewards and Annual Rewards Flex together shall be 15% for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care and 30% for all other benefit options. Discount is driven by accumulated points which is achieved through wellness status. Please refer policy document for more details.
  • Vitality is a trademark licensed to Tata AIA Life by Amplify Health Assets PTE. Limited, a joint venture between Vitality Group International, INC. and AIA Company Limited. The assessment under the wellness program (Tata AIA Vitality) shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
  • 6All Premiums, Charges, and interest payable under the policy are exclusive of applicable taxes,duties, surcharge, cesses or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium, charges or interest. Tata AIA Life shall have the right to claim, deduct, adjust and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.
  • 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.
  • Policies sourced through PoS Channel will not have any medical examination. This plan is not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
  • Premium excludes the taxes, rider premiums, underwriting extra premiums, loading for modal premiums if any
  • For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and conditions of this plan are specified in the Policy Contract.
  • 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/2022/Nov/2917