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Need assistance in choosing the right plan?
Need assistance in choosing the right plan?
Get the right motivation with Tata AIA Vitality Health to keep yourself and your loved ones healthy and also explore a new opportunity to get your fitness goals on track. Tata AIA Vitality Health helps you focus on your physical and mental wellbeing and be motivated with various discounts and benefits!
Our experts are happy to help you!
Choice of one or more Benefit Options (risk covers) from a list of 5 available covers which includes disability, hospitalization, and illness.
Pays fixed amount on Hospitalization and on ICU admission. Additional Recuperation benefit in case of hospitalization for 7 or more days.
The rider provide coverage against minor injuries / illness as well as major stage ailments and allows multiple claim payouts.
Covers early as well as late-stage cancer. Also, 14 minor as well as 8 major heart related ailments.
Flexibility to receive benefit amount as a lump sum or as monthly income for up to 10 years or a combination of both.
Flexibility to cover yourself as well as your family against the risks covered either at policy inception or at any policy anniversary.
When you purchase this rider, you will get income tax# benefits as per applicable income tax laws.
On enrolling into the Tata AIA Vitality* Wellness Program, you get an upfront discount of up to 10%~ on your premium.
The Tata AIA Vitality Health offers coverage against a range of risks. You may opt for coverage against one or more risks as per your needs by choosing from the following Benefit options. Rider can be attached with multiple products such as Tata AIA Maha Raksha Supreme Select - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V04) and Sampoorna Raksha Supreme - A Non-Linked Non-Participating Individual Life Insurance Plan (UIN:110N160V06). Please refer the rider brochure for additional details.
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|
|
|
Sum Assured under the Benefit Option |
|
Minimum |
Maximum |
||||
Accidental Disability Care |
18 years |
65 years |
75 years |
₹25000 |
|
Multistage CritiCare |
18 years |
65 years |
75 years |
₹25000 |
|
Cancer Care |
5 years^ |
65 years |
75 years |
₹25000 |
|
Cardiac Care |
18 years |
65 years |
75 years |
₹25000 |
|
HospiCare |
18 years |
65 years |
75 years |
₹25000 |
|
Rider Sum Assured cannot exceed Death Benefit determined at the inception of the Base Plan All ages are as on last birthday and are applicable to the life insured under the Benefit Option. ^Subject to a minimum maturity age of 18 years Minimum / Maximum Sum Assured will be subject to Underwriting.
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Frequently Asked Questions
How can this rider enhance the coverage of the base policy?
By adding this rider in your policy, you can receive coverage against a range of major conditions as well as minor illnesses and injuries as specified under the rider. For instance, with the HospiCare Benefit, you can be covered for Hospitalization Expenses and ICU expenses whereas Cancer Care benefit covers you against early as well as late-stage Cancers
Is the Wellness Program an optional benefit?
Yes, the Wellness Program – Tata AIA Vitality is an optional benefit that you can choose at no additional cost or premium when adding the rider to your base plan. Infact you get an upfront discount on your 1st year rider premium on enrolling into the Wellness Program. With this Wellness Program, you can keep track of your health and fitness goals and get rewarded to maintain healthy lifestyle.
What are the benefits of opting for the Wellness Program?
The Wellness program incentivizes the Insured to maintain a healthy lifestyle.
On enrolling into the Wellness Program, you get an upfront discount on your 1st year rider premium. You can keep track of your health and fitness goals and your engagement levels shall be monitored and a Wellness Status shall be earned throughout the year that shall be used to determine the Premium discount for the following year.
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Category 1 |
Category 2 |
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|
5.00% |
10.00% |
|
basis the Wellness Status |
Platinum |
+1.00% |
+2.00% |
Gold |
+0.50% |
+1.00% |
|
Silver |
-1.25% |
-2.50% |
|
Bronze |
-2.50% |
-5.00% |
|
Maximum Rewards |
15.00% |
30.00% |
|
Category 1
Tata AIA Vitality Protect - A Non-Linked, Non - Participating Individual Health rider (UIN:110B046V04) (Accidental Death, Accidental Total & Permanent Disability)
Category 2
Tata AIA Vitality Protect - A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V04) (Term Booster, CritiCare Plus, Accelerated CritiCare)
How is my Wellness status decided?
Your Wellness Status is driven by an objective criteria based on accumulation of points.
Wellness Status |
Accumulated Points |
Bronze |
0 – 9,999 |
Silver |
10,000 – 19,999 |
Gold |
20,000 – 24,999 |
Platinum |
25,000 and above |
How can I earn points?
Points are allocated through a range of parameters comprising of online assessments, physical activity & health check-up.
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|
|
|
|
Assessments |
Health Review |
1,000 |
Annual |
3,900 |
Mental wellbeing assessments |
450 x 2 |
Half yearly |
||
Nutrition Assessment |
1,000 |
Annual |
||
Non-smokers declaration |
1,000 |
Annual |
||
Screening & prevention |
Health Check (BMI, HbA1c, Blood pressure, Cholesterol) |
6,000 (1500 per test) for undergoing the tests |
Annual |
12,000 |
6,000 (1500 per test) for being in the healthy range |
||||
Exercise |
Steps and Heart Rate |
50 points: Steps 7.5k to 10k / 30 mins. at >= 60% age-related max heart rate
100 point: Steps >10k / 30 mins at >= 70% or 60 mins at >= 60% age-related max heart rate |
Daily |
15,000 |
How can the benefit under this rider be paid out?
The benefits under this rider can be paid out in a mode chosen by the insured on the occurrence of the conditions/illnesses/events covered under the different benefit options. These modes are:
Are there any exclusions for the benefit options under the Tata AIA Vitality Health?
There are some important exclusions listed under each of the benefit options of the rider, which should be considered before the insured selects a benefit option. Please refer rider T&C for more details
How do I reach out to Tata AIA Life Insurance to file a claim?
You can reach out to Tata AIA Life Insurance and file a claim through the following channels:
Or, you can also get in touch with our Insurance Advisor or visit the nearest Tata AIA Life Insurance office branch. For more details, please visit www.tataaia.com
Disclaimer
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) |
Tata 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) |
Tata AIA 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) |
Tata AIA Life Insurance iRaksha TROP - Non-Linked Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N106V03 or later) |
Tata AIA Life Insurance Value Income Plan - Individual, Non-Linked, Participating Life Insurance Savings Plan (UIN: 110N153V02 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 Life Insurance POS Smart Income Plus - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N148V04 or later) |
Tata AIA Life Insurance Smart Health Shield - A Non-Linked Non-Participating Individual Health Plan (UIN:110N135V02 or later) |
Tata AIA Life Insurance Saral Pension - A Single Premium Non-Linked, Non-Participating, Individual, Immediate Annuity Plan (UIN: 110N159V08 or later) |
Tata AIA Life Insurance Fortune Guarantee Pension - A Non-Linked, Non-Participating, Annuity Plan (UIN:110N161V09 or later) |
Tata AIA Life Insurance Fortune Guarantee Plus - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N158V13 or later) |
Tata AIA Life Insurance Smart Value Income Plan - Individual, Non-Linked, Participating Life Insurance Savings Plan (110N162V02 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) |
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