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Tata AIA Pro-Fit

Tata AIA Pro-Fit is designed to be your all-in-one plan, ensuring financial security for your loved ones while helping you grow your wealth through market-linked returns¹⁶. With a focus on holistic well-being, Tata AIA Pro-Fit not only protects your future but also rewards you for staying healthy and active.

Benefits at a glance

Protect Well Get Well Live Well Save Well

Surgical Cover

Benefit payout for 133 listed surgeries and unlimited non-listed surgeries

Daycare Cover

Benefit payout for 136 listed and unlimited non-listed daycare surgeries

Critical Illness Cover

Benefit payout on diagnosis of any of covered 57 Critical illnesses

Child Care Cover

Benefit payout on diagnosis of any of covered 20 Juvenile Critical illnesses

Hospital Cover

Get daily cash benefit of up to Rs 40,000/- on hospitalization & Up to Rs 80,000/- on ICU admission

Disability Cover

Lump-sum payout in case of Total and Partial Permanent Disability due to accident

Death Cover

Ensure financial protection to your loved ones in your absence

Early Return of Premium

In case of health-related expenses get early return of premium⁶

Accidental Death

Lump-sum payout in case of death due to accident

Visit the download document section to view list of surgeries, daycare procedures, and critical illnesses covered.

Outpatient consultation benefit

Get outpatient, physiotherapy, pharmacy, and diagnostic cover for your added family members

Global Coverage

Avail best-in-class medical care globally

Overseas Treatment
Booster

Get an extra 10% of the sum assured to cover overhead expenses for you and a companion during overseas treatment

Cashless claims

Experience cashless claim service across network hospitals

Click & Claim

Enjoy claim settlement by just uploading photocopies of reports

Monthly Income Assurance

Get monthly income for 3 years to deal with loss of income post diagnosis of major/catastrophic Critical Illness

Waiver of Premium

Waive off your premiums for next 3 years upon incidence of major surgery⁵ and/or on diagnosis of major/catastrophic critical illness

Visit the download document section to view network hospitals

Free annual health
Checkup

Get free of cost annual health checkup with Tata AIA Vitality¹

Market Linked
Returns¹⁶

Opportunity to build a health corpus through a range of funds

Tax Free⁹
Withdrawals

Take care of family’s future health expenses through health corpus

Secure your Health while Enjoying Discounts¹¹ on Premium

Vitality discounts¹

Up front discount on 1^styear rider premium¹⁵ and renewal premium discount based on vitality status

Smart Lady benefits for female/girl child life assured

• 2% discount on 1^st year premium
• Extra allocation of 0.50% of premium to the fund value

Auto Debit Discount

Extra units worth Rs 120/year added to your fund value

Super 30

2% discount on 1^st year premium for life assured age less than or equal to 30 years

Transgender

2% discount on first year premium for transgender life assured

Existing Customer Discount

Get discount on first year premium for existing customers of Tata AIA Life Insurance

Return of Mortality Charges

Starting from 11^th Policy Year, the mortality charge deducted 120^th month prior is added to the fund value in the form of addition of units

Return of Premium Allocation Charges

Starting from 11^th Policy Year, the allocation charge deducted 120^th month prior is added to the fund in the form of addition of units

Worksite Discount

Applicable for policies sourced through campaigns, stalls, help desks, or similar group engagement activities

Composite Booster⁸

Additional units are added to the fund value starting from the 11th policy year. The mortality charge deducted 120 months prior is credited back as additional units to your fund value

For additional details, please refer the product brochure.

Rider¹⁰ Benefits

Accidental Total, Partial and Permanent Disability

Get lumpsum payout in case of Partial or Permanent disability due to an accident

Accidental Death Benefit

Get lumpsum payout in case of death due to an accident

Term and Terminal Illness

Get lumpsum amount paid upon diagnosis of Terminal Illness or death

Create Health Emergency Fund

You get flexibility to choose from a range of funds for enhanced investment opportunities.

Your Claim Settlement is Our Priority

We provide our customers with quick and hassle-free settlements through our effective Cashless and Reimbursement claims process. Click the link below to Know More.

Voice of Our Happy Customers

Voice Of Happy Customers | TATA AIA Life Insurance

Voice Of Happy Customers | TATA AIA Life Insurance Company

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!

Tapas Rajderkar

I am grateful to Mr. Vinod Udhawani from Tata AIA, who has gone out of his way, to patiently answer all my queries. I am very happy with the excellent service.

Amlan Mukherjee

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Definitions & Exclusions Annexure

Download leaflet

List of Surgeries, Day Care Procedures and Illnesses Annexure

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Frequently Asked Questions on Tata AIA Pro-Fit

Why does one need health plan?

Health plan is necessary as it protects you and your family against the financial implications arising from diseases, critical illnesses such as cancer, disabilities, and injuries that can cause a dent in your finances.

Tata AIA Pro-Fit comes with a range of top rated¹³ market-linked fund¹⁶options for wealth creation and comprehensive health benefits for you.

Are surgery expenses covered under the Tata AIA Pro-Fit?

Yes, Tata AIA Pro-Fit covers different types of surgical procedures and offers fixed payout benefits for the same. With Tata AIA Pro-Fit, get coverage for all day-care procedures like dental treatment, cataracts and more.

How does a ULIP policy help in wealth creation?

If you buy a Unit-Linked Insurance Plan, you can select one or more funds from different fund options. You can earn market-linked returns¹⁶on your investment throughout the policy term and grow your wealth. On policy maturity, if you outlive the policy term, the total fund value will be paid out as the maturity benefit.

What is the Tata AIA Vitality Program?

The Tata AIA Vitality Program is a science-based and holistic wellness program that motivates you to achieve your health goals. With its personalised approach to health and wellness, you can be guided to lead a healthier lifestyle.

With the Vitality Program¹, you can opt for regular health check-ups and be a part of wellness activities for a healthy mind and body. Moreover, you can benefit from rewards such as discounts¹⁵ on your rider premiums and more.

How can I access the Tata AIA Vitality Program benefits?

With the Tata AIA Vitality Program¹ mobile application, you can access the following benefits:

Know Your Health: This section helps you assess your health and wellness through online assessments.
Improve Your Health: Follow and complete weekly activities and challenges for better physical, mental, and social well-being.
Get Rewarded: Earn rewards like discounts on your rider premium at each milestone based on your wellness status.

How many family members can be added under Pro-Fit?

You can add your spouse and up to 3 children under single plan.

Disclaimer

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 Pro-Fit comprises of Tata AIA Health Pro, A Non-Participating, Unit-linked, Individual Health Insurance Plan (UIN: 110L180V01), Tata AIA Health Secure, 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 Smart Health Pro and VitaHealth are also available for sale individually.
¹Tata AIA Vitality - A Wellness Program that offers you an upfront discount on rider premium at policy inception. You can also earn rider premium discount / cover booster (as applicable) for subsequent years on policy anniversary basis your Vitality Status (tracked on Vitality app) Please refer rider brochures for additional details on health and wellness benefits.
²2% discount on first year premium if the life assured is less than or equal to 30 years, available with Tata AIA VitaHealth.
³2% discount on first year premium if the life assured is a woman, available with Tata AIA VitaHealth Product. 0.5% extra allocation of units with the first-year premium, available with Tata AIA Health Pro.
⁴Other Discounts are also available with TATA AIA VitaHealth premium, please read Sales Brochure for more details. Discount on policy will be subject to sales literature and policy contract.
⁵Major Surgery is defined as an event where the payout percentage for the surgery undergone is specified as 100%.
⁶Benefit 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.
⁷Covered minor procedure include injection, including intramuscular, Sprain management, Otoscopic examination, removal of plaster cast and many more. Please refer Annexure from our website to know more about the minor procedures covered.
⁸Composite Booster will be added to the fund value, provided all the due premiums under Tata AIA Health Pro and Tata AIA VitaHealth have been paid till date of booster accrual. For more information, please refer to the sales brochure of respective products.
⁹Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
¹⁰Rider is not mandatory and is 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/ branch.
¹¹Return of mortality charges, return of premium allocation charges, auto debit discount & extra allocation under smart lady are applicable to Tata AIA Health Pro only. Smart Lady, Super 30, Transgender, Staff, Existing Customer, Worksite discounts are applicable to Tata AIA VitaHealth premium only.
¹²5-year computed NAV for Multi Cap Fund as of Aug 2024. Other funds are also available. Benchmark of this fund is S&P BSE 200.
¹³All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of December 2024
¹⁴©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.
¹⁵On enrolling into the wellness Program, you get an upfront discount of 10% on first year premiums of VitaHealth Product. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the upfront rewards and annual rewards together shall be 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.
¹⁶Market-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.
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 shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
Linked Insurance Products 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 Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Health Pro is only the name of the Unit Linked health Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
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).
All investments made by the Company 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.
Unit Linked 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 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.
Insurance cover is available under the product.
The products are underwritten by Tata AIA Life Insurance Company Ltd.
The plans are not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
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.
Auto debit discount is applicable for Payments made through any electronic mode through an auto debit mandate for 1^st-year instalment.
List of day care surgeries mentioned are illustrative in nature. Any surgery that falls under the day care surgery category is eligible for payout.
Risk cover commences along with policy commencement for all lives, including minor lives.
Buying a Health 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.
Discount on policy will be subject to sales literature and policy contract.
L&C/Advt/2025/Jan/0361

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