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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.

  • Flexible premium payment options - 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

  • 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

  • Death Benefit Pay-out - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme
    Multistage CritiCare

    39 Critical Illness covered including minor stage illness

  • Flexibility to Choose Plan Option - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme
    Cancer Care

    Covers early as well as late-stage cancers

  • Option to get Income Pay-outs - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme
    Cardiac Care

    Covers 14 minor as well as 8 major heart related ailments

Highlights of Tata AIA Vitality Health

  • 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.

     

  • 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.

  • 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

  • Tax Benefit

    When you purchase this rider, you will get income tax# benefits as per applicable income tax laws

Eligibility Criteria for Tata AIA Vitality Health



Benefit Option



 Minimum Entry age



Maximum Entry age



Maximum Maturity age

Sum Assured under the Benefit Option

Minimum

Maximum

Accidental Disability Care

18 years

65 years

75 years

₹25000



Subject to underwriting policy as approved by the board.

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:




 Benefit Option

Without Return of Balance Premium Option

With Return of Balance Premium Option


Minimum


Maximum


Minimum


Maximum

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.


Rewards structure / Rider (Benefit Option)

Category 1

Category 2


Upfront Reward

5.00%

10.00%






Wellness Programs benefits↑ or ↓

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.


Points/Activity


Activity


Points


Frequency of allocation


Points limit p.a.

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:

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:
  •  

    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


  • L&C/Advt/2022/Sep/2270

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