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A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V01)
Tata AIA Vitality Health
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. At Tata AIA Life Insurance, we believe it is crucial that you continue maintaining healthy habits while we cover you for a range of health emergencies e.g. Multistage Cancer and Cardiac conditions, Hospitalization benefits and more.
A healthy lifestyle can reward your mind and body with a lower risk of illnesses and may keep many health conditions at bay. If you already have a fitness regime in place, all you need to do is strive for better results each day and maintain good lifestyle habits. Tata AIA Vitality Health helps you focus on your physical and mental wellbeing and be motivated with various discounts and benefits!
Benefits of Tata AIA Vitality Health
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.
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HospiCare
Pays fixed amount on Hospitalization and on ICU admission. Additional Recuperation benefit in case of hospitalization for 7 or more days
-
![Lower Premium Rates for Women - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme]( "Lower Premium Rates for Women - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme")
Accidental Disability Care
- Covers both Permanent Total or Permanent Partial Disability due to an accident
- Double Benefit payable in case of accident under specified circumstances e.g. accident while travelling in public transport like bus, tram or train)
- Multiple claims allowed in case of partial disability
-
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Multistage CritiCare
39 Critical Illness covered including minor stage illness
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![Flexibility to Choose Plan Option - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme]( "Flexibility to Choose Plan Option - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme")
Cancer Care
Covers early as well as late-stage cancers
-
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Cardiac Care
Covers 14 minor as well as 8 major heart related ailments
Highlights of Tata AIA Vitality Health
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![Flexible premium payment options - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme]( "Flexible premium payment options - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme")
Tata AIA Vitality
Tata AIA Vitality is a globally recognised, science-based wellness program that helps you understand and improve your health while also rewarding you.
On enrolling into the Wellness Program, you 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, Completion of health assessments, achievement of fitness goals etc). Click here to know more.
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![Lower Premium Rates for Women - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme]( "Lower Premium Rates for Women - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme")
Return of Balance Premium
The rider also offers Return of Balance Premium option where the ‘Total Premiums Paid’ (excluding loading for modal premiums) towards the respective Benefit Option, less any claim amount already paid out under the respective Option and any premium discounts availed under the wellness program such as premium discounts or premium cashback.
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![Death Benefit Pay-out - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme]( "Death Benefit Pay-out - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme")
Benefit Payout Options
On occurrence of the insured event, you can choose to receive the riders benefits through any of the following options based on your needs
- Lump sum: to take care of the immediate expenses OR
- Income for the income period chosen (up to 10 years) : to meet the regular income needs OR
- Combination of Lumpsum and Income for up to 10 years -
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Tax Benefit
When you purchase this rider, you will get income tax# benefits as per applicable income tax laws
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Eligibility Criteria for Tata AIA Vitality Health
|
|
|
|
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 |
|
- All ages are as on last birthday and are applicable to the life insured under the Benefit Option.
- Rider Sum Assured cannot exceed Death Benefit determined at the inception of the Base Plan
- *Subject to a minimum maturity age of 18 years
- Minimum / Maximum Sum Assured will be subject to Underwriting
Premium Payment Options
Benefit Option Term: Coverage under the various Benefit Options are as available for a term as follows:
|
Without Return of Balance Premium Option |
With Return of Balance Premium Option |
||
|
|
|
|
|
Accidental Disability Care |
5 years |
57 years |
10 years |
57 years |
Multistage CritiCare |
5 years |
57 years |
10 years |
57 years |
Cancer Care |
5 years |
70 years |
10 years |
70 years |
Cardiac Care |
5 years |
57 years |
10 years |
57 years |
HospiCare |
5 years |
57 years |
10 years |
57 years |
- The Benefit Option Term shall not exceed the outstanding policy term of the base plan
- The Benefit Option will terminate on the Life Insured attaining the maximum age at maturity of the Benefit Option
Premium Payment Option |
Premium Payment Term* |
|
Minimum |
Maximum |
|
Single Pay |
1 |
1 |
Limited Pay |
5 |
Benefit Option Term minus 1 |
Regular Pay (premium payment term same as the Benefit Option Term) |
5 |
Same as Benefit Option Term |
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.
|
Category 1 |
Category 2 |
|
|
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 (Accidental Death, Accidental Total & Permanent Disability)
- Tata AIA Vitality Health (Accidental Disability Care)
Category 2
- Tata AIA Vitality Protect (Term Booster, CritiCare Plus, Accelerated CritiCare)
- Tata AIA Vitality Health (Multistage CritiCare, Cancer Care, Cardiac Care)
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.
|
|
|
|
|
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:
- Benefit pay out as a lump sum amount
- Benefit pay out as monthly income for 10 years
- A combination of monthly income and lump sum payout
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:
- Call us on 1-860-266-9966 (local charges apply)
- Send us an email at customercare@tataaia.com
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
- Riders are not mandatory and are available for a nominal extra cost. For more details on the benefits covered, rider charges and exclusions under the Riders please refer to the Rider Brochure or contact our Insurance Advisor/ Intermediary or visit our nearest Branch Office.
- #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.
- This Rider is underwritten by Tata AIA Life Insurance Company Ltd. This Rider is not a guaranteed issuance Rider and it will be subject to Company's underwriting and acceptance.
- For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
- ^^On 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 shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
- Insurance cover is available under the Tata AIA products and are underwritten by Tata AIA Life Insurance Company Limited.
- Tata AIA Vitality Health is available with:
- L&C/Advt/2022/Sep/2270
Product Name |
Tata AIA Life Insurance MahaLife Gold |
Tata AIA Life Insurance Money Back Plus |
Tata AIA Life Insurance Smart Income Plus |
Tata AIA Life Insurance Gold Income Plan |
Tata AIA Life Insurance Diamond Savings Plan |
Tata AIA Life Insurance Guaranteed Monthly Income Plan |
Tata AIA Life Insurance Smart Annuity Plan |
Tata AIA Life Guaranteed Return Insurance Plan |
Tata AIA Life Insurance Value Income Plan |
Tata AIA Life Insurance MahaRaksha Supreme |
Tata AIA Life Insurance iRaksha TROP |
Tata AIA Life Insurance Sampoorna Raksha |
Tata AIA Life Insurance Sampoorna Raksha+ |
Tata AIA Life Insurance Fortune Guarantee |
Tata AIA Life Insurance Saral Jeevan Bima |
Tata AIA Life Insurance Sampoorna Raksha Supreme |
Tata AIA Life Insurance POS Smart Income Plus |
Tata AIA Life Insurance Smart Health Shield |
Tata AIA Life Insurance Saral Pension |
Tata AIA Life Insurance Fortune Guarantee Pension |
Tata AIA Life Insurance Fortune Guarantee Plus |
Tata AIA Life Insurance Smart Value Income Plan |
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