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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. 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
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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")
Enhanced Protection
Choice of one or more Benefit Options (risk covers) from a list of 5 available covers which includes disability, hospitalization, and illness.
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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")
HospiCare
Pays fixed amount on Hospitalization and on ICU admission. Additional Recuperation benefit in case of hospitalization for 7 or more days.
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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")
Multiple Claims and Cover for Minor Conditions
The rider provide coverage against minor injuries / illness as well as major stage ailments and allows multiple claim payouts.
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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 and Cardiac Care
Covers early as well as late-stage cancer. Also, 14 minor as well as 8 major heart related ailments.
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![Option to get Income Pay-outs - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme]( "Option to get Income Pay-outs - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme")
Need Based Benefit Payout
Flexibility to receive benefit amount as a lump sum or as monthly income for up to 10 years or a combination of both.
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Cover You Loved Ones
The rider allows you to extend protection to your loved ones too under the same plan.
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Receive Return of Balance Premiums on Maturity
Get your premium amount back as part of the wellness program such as premium discounts or premium cashback.
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Extended Cover
Flexibility to cover yourself as well as your family against the risks covered either at policy inception or at any policy anniversary.
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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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Get Rewarded for Healthy Lifestyle
On enrolling into the Tata AIA Vitality* Wellness Program, you get an upfront discount of up to 10%~ on your premium.
What benefits can be availed under this Rider?
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 Benet Options. Please refer the rider brochure for additional details.
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 |
|
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.
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 |
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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.
|
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 - A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V02) (Accidental Death, Accidental Total & Permanent Disability)
- Tata AIA Vitality Health - A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V02) (Accidental Disability Care)
Category 2
Tata AIA Vitality Protect - A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V02) (Term Booster, CritiCare Plus, Accelerated CritiCare)
- Tata AIA Vitality Health - A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V02) 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.
- *Tata AIA Vitality - A Wellness Program that offers you an upfront discount at policy inception. You can also earn 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.
- 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.
- ~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.
- Insurance cover is available under the Tata AIA products and are underwritten by Tata AIA Life Insurance Company Limited.
- For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
- Tata AIA Vitality Health is available with:
Product Name
Tata AIA Life Insurance MahaLife Gold - Non-Linked, Participating, Whole Life Individual Savings Plan (UINU110N029V03)
Tata AIA Life Insurance Money Back Plus - Non-Linked, Participating, Individual Life Insurance Savings Plan (UIN: 110N119V02)
Tata AIA Life Insurance Smart Income Plus - A Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N126V05)
Tata AIA Life Insurance Gold Income Plan - A Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N131V02)
Tata AIA Life Insurance Diamond Savings Plan - A Non-Linked, Participating Individual Life Insurance Savings Plan (UIN: 110N133V02)
Tata AIA Life Insurance Guaranteed Monthly Income Plan - Non-Linked, Non-Participating Individual Life Insurance Savings Plan (UIN: 110N147V02)
Tata AIA Life Insurance Smart Annuity Plan - Single Premium, Non-Linked Non-Participating, Individual Annuity Plan (UIN: 110N150V06)
Tata AIA Life Guaranteed Return Insurance Plan - Individual, Non-Linked, Non-Participating, Life Insurance Savings Plan (UIN:110N152V12)
Tata AIA Life Insurance Value Income Plan - Individual, Non-Linked, Participating Life Insurance Savings Plan (UIN: 110N153V01)
Tata AIA Life Insurance MahaRaksha Supreme - Non-Linked Non-Participating, Individual Life Insurance Pure Risk Premium Product (UIN: 110N102V04)
Tata AIA Life Insurance iRaksha TROP - Non-Linked Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N106V02)
Tata AIA Life Insurance Sampoorna Raksha - Non-Linked Non-Participating, Individual Life Insurance Pure Risk Premium Product (UIN: 110N129V05)
Tata AIA Life Insurance Sampoorna Raksha+ - Non-Linked Non-Participating, Individual Life Insurance Savings Product (UIN:110N130V05)
Tata AIA Life Insurance Fortune Guarantee - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N120V09)
Tata AIA Life Insurance Saral Jeevan Bima - A Non-Linked Non-Participating Individual Pure Risk Premium Life Insurance Plan (UIN: 110N157V01)
Tata AIA Life Insurance Sampoorna Raksha Supreme - A Non-Linked Non-Participating Individual Life Insurance Plan (UIN:110N160V04)
Tata AIA Life Insurance POS Smart Income Plus - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN:110N148V03)
Tata AIA Life Insurance Smart Health Shield - A Non-Linked Non-Participating Individual Health Plan (UIN:110N135V01)
Tata AIA Life Insurance Saral Pension - A Single Premium Non-Linked, Non-Participating, Individual, Immediate Annuity Plan (UIN: 110N159V07)
Tata AIA Life Insurance Fortune Guarantee Pension - A Non-Linked, Non-Participating, Annuity Plan (UIN:110N161V07)
Tata AIA Life Insurance Fortune Guarantee Plus - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N158V11)
Tata AIA Life Insurance Smart Value Income Plan - Individual, Non-Linked, Participating Life Insurance Savings Plan (110N162V01)
- L&C/Advt/2023/Oct/3340
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