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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!
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.
Benefit is paid on earlier of Death or diagnosis of Terminal Illness
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.
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.
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.
Offers protection against 40 Critical Illness including Cancer and Cardiac conditions. Cover for this option will be accelerate sum assured of the base plan.
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.
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.
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
When you purchase this rider, you will get income tax# benefits as per applicable income tax laws
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|
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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 |
|
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 |
67 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.
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
Category 2
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:
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:
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:
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:
Alternatively, you can also visit any of our Tata AIA Life Insurance Company branch offices to file a claim for the rider benefits.
Disclaimers
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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