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A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V02)
Tata AIA Vitality Protect
Staying fit and healthy is easier when you are motivated to take the steps in the right direction. And being rewarded with discounts and different benefits for moving towards a better version of yourself is always welcome! With Tata AIA Vitality Protect, you can improve your physical and mental wellbeing to lower the risks of potential health conditions and develop healthy lifestyle habits in the long run.
The Tata AIA Vitality Protect lets you select your choice of protection against a range of health conditions, stay protected against uncertainties such as Death, Accidental Death & Disability, Critical Illness etc and also helps you get your fitness goals on track for bringing positive changes to your health and lifestyle, while rewarding you with premium discounts!
Benefits of Tata AIA Vitality Protect
The Tata AIA Vitality Protect Rider 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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Term Booster
Benefit is paid on earlier of Death or diagnosis of Terminal 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")
Accidental Death
Benefit is paid on Death due to accident. Double benefit is paid in case of accident under specified circumstances e.g. accidental death while travelling in public transport as bus, tram or train.
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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")
Accidental Total & Permanent Disability
Benefit is paid on Accidental Total and Permanent Disability due to accident. Double benefit is paid in case of accident under specified circumstances e.g. accidental disability while travelling in public transport as bus, tram or train.
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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")
CritiCare Plus
Offers protection against 40 Critical Illness including Cancer and Cardiac conditions. On diagnosis of any of the covered conditions, rider sum assured will be paid.
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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")
Accelerated CritiCare
Offers protection against 40 Critical Illness including Cancer and Cardiac conditions. Cover for this option will be accelerate sum assured of the base plan.
Highlights of Tata AIA Vitality Protect
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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
It 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 5%^^ 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 / goals,
- Lumpsum and Income: Benefits can be taken as a Lumpsum or Income for up to 10 years or a combination of both
- Partner Care: Pays lifelong regular income for your dependent partner/s, on occurrence of insured event.
- Waiver of Premium: Waives future premiums, on occurrence of the insured event. This would help you to continue your policy benefits even if you can't pay for it -
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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 Protect
|
|
|
|
Sum Assured* under the Benefit Option |
|
Minimum |
Maximum |
||||
Term Booster |
18 years |
65 years |
100 years |
₹25000 |
Subject to board approved underwriting policy |
Accidental Death |
18 years |
65 years |
85 years |
₹25000 |
|
Accidental Total & Permanent Disability |
18 years |
65 years |
85 years |
₹25000 |
|
CritiCare Plus |
18 years |
65 years |
75 years |
₹25000 |
|
Accelerated CritiCare |
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 Death Benefit determined at the inception of the Base Plan
- *Minimum/maximum Sum Assured will be subject to Underwriting
These are the Benefit Option Term and Premium Payment Options
|
Benefit Option Term (years) |
|||
|
Without Return of Balance Premium |
With Return of Balance Premium |
||
|
|
|
|
|
Term Booster |
5 years |
82 years |
10 years |
82 years |
Accidental Death |
5 years |
67 years |
10 years |
67 years |
Accidental Total & Permanent Disability |
5 years |
67 years |
10 years |
67 years |
CritiCare Plus |
5 years |
57 years |
10 years |
57 years |
Accelerated CritiCare |
5 years |
57 years |
10 years |
57 years |
^All ages are as on last birthday and are applicable to the life insured under the Benefit Option.
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Frequently Asked Questions
Why do I need to add a rider to my life insurance plan?
Adding a rider to your life insurance plan can help you prepare for any unforeseen circumstances and emergencies such as a critical illness, accidental disability and more. The coverage of your life insurance plan can be enhanced with the help of a rider such as the -Tata AIA Vitality Protect.
What is the difference between a linked and a non-linked rider?
A linked rider is a rider benefit that can be added to a Unit-Linked Insurance Plan. A linked rider may be premium paying (premium is paid over and above the base plan) or Unit deducting rider (where rider charges are deducted as charges). A non-linked rider can be added to any other life insurance policy.
What happens if I opt for a Waiver of Premium benefit?
Tata AIA Vitality Protect has the flexibility to opt for Waiver of Premium benefit. With this feature all future premiums that would have been payable under the Base plan and associated benefit options/riders shall be waived throughout the rest of the premium payment term or until the termination of the base plan/benefit option. This would help you to continue your policy benefits even if you can't pay for it.
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 |
Which health-screening tests should be completed under the Wellness Program to earn points?
One free health check per year can be availed under the wellness program and can be booked from the app itself. You get 6000 points for doing your health check and another 6000 points if your test values are in range. Total points that can be earned is up to 12000 under the Wellness Program, you can earn a maximum of 1500 points for each test. You can further earn a maximum of 1500 points for each test if your results are within the clinically accepted range:
- Glucose
- BMI
- Blood Pressure
- Cholesterol
Which annual online assessments can one complete to earn points under the Wellness Program?
The following annual online assessments should be completed to earn the maximum points allotted under each activity:
- Nutrition Assessment
- Sleep Quality Survey
- Resilience Survey
- Mental Health Survey
- Declaration – Smoker/Non-Smoker
- Health Review
What are the premium payment modes available under this rider?
The premium payment modes under the rider are – Single, Monthly, Quarterly, Half-yearly and Annual. However, the premium payment mode for your rider will be the same as the one selected for your base life insurance policy.
What are the minimum and maximum premium payment terms available under this rider?
The premium payment terms (PPT) under this rider are as follows:
- Single Pay – 1
- Limited Pay – Minimum PPT: 5, Maximum PPT: Benefit Option Term minus 1
- Regular Pay – Same as the term of the benefit option
Do I need to file a claim separately under the rider?
Yes. Since the rider is an additional and optional benefit on your base life insurance policy, you will have to file a claim when the specified event occurs. For this, you will be required to submit relevant documents of proof to initiate the claims process.
How do I claim the benefits under the rider?
To file a claim with us, you can contact us via email or a call:
- Send us an email: customercare@tataaia.com
- Call us at - 1860-266-9966 (local charges apply)
Alternatively, you can also visit any of our Tata AIA Life Insurance Company branch offices to file a claim for the rider benefits.
Disclaimers
- 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.
- Insurance cover is available under the Tata AIA products and are underwritten by Tata AIA Life Insurance Company Limited.
- ^^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.
- Tata AIA Vitality Protect is available with:
- L&C/Advt/2023/Sep/3024
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