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    TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in.


    Make the most of the offer to stay fikar-free

    Tata AIA Pro-Fit is a comprehensive 3-in-1 package
    that offers health benefits, market-linked returns~, and life cover – all in one! The one-of-its-kind solution provides financial protection to you and your family members during health emergencies without compromising on your family’s goals. You get the benefit of Unit-Linked Insurance Plan that helps you grow your savings and prepare you for any medical uncertainties. In other words, the solution takes care of your health and wealth goals simultaneously while securing the future of your loved ones.

    Key Benefits: Tata AIA Pro-Fit

    SurgiCash: Get cover up to ₹20 Lakhs for Surgery*

    CritiCash: Extensive global cover for 57 multi-stage Critical Illnesses**

    HospiCash: Fixed per day benefit up to ₹40,000, 2X in case of ICU admission***

    Whole Life Cover: Enjoy the benefit of cover up to 100 years of age

    Market-linked Returns~ get flexibility to choose from top-rated funds$ for enhanced investment opportunities.

    Income Tax benefits~~

    Rider discount on maintaining fitness through wellness program5


    Why a comprehensive health solution is necessary?

    • Holistic Well-being

      Tata AIA Pro-Fit prioritizes your health by providing comprehensive coverage for medical expenses, ensuring you receive the best healthcare when needed.

    • Wealth Creation

      Enjoy the dual advantage of a health plan that not only safeguards your well-being but also creates wealth through market-linked returns~.

    • Financial Security for Loved Ones

      With the inclusion of life cover, Tata AIA Pro-Fit goes beyond health protection. It provides a robust safety net for your family against life’s uncertainties.

    • Lifelong Coverage

      Benefit from lifelong coverage, ensuring that you and your family are protected throughout various life stages.

    • Peace of Mind

      Experience peace of mind knowing that Tata AIA Pro-Fit not only takes care of your immediate health concerns but also provides a secure foundation for your family's future.


    Enroll in Tata AIA Vitality (Wellness Program)5

    Tata AIA Vitality is a globally recognized, holistic and 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 first year rider premium. The premium discount in the subsequent years may increase or decrease based on your Wellness status (Decided based on your engagement levels, i.e., completion of health assessments, achievement of fitness goals etc.).

    Frequently Asked Questions

    Why does one need health plan?

    Health plan is necessary as it protects you and your family against the financial implications arising from diseases, critical illnesses such as cancer, disabilities, and injuries that can cause a dent in your finances. Tata AIA Pro-Fit comes with whole life cover, a range of top rated$ market-linked fund~ options for wealth creation and comprehensive health benefits for you.

    Are surgery expenses covered under the Tata AIA Pro-Fit?

    Yes, Tata AIA Pro-Fit covers different types of surgical procedures and offers fixed payout benefits for the same. With Tata AIA Pro-Fit, get coverage for all day-care procedures like dental treatment, cataracts and more.

    How does a ULIP policy help in wealth creation?

    If you buy a Unit-Linked Insurance Plan, you can select one or more funds from different fund options. You can earn market-linked returns~ on your investment throughout the policy term and grow your wealth. On policy maturity, if you outlive the policy term, the total fund value will be paid out as the maturity benefit.

    What is the Tata AIA Vitality Program?

    The Tata AIA Vitality Program is a science-based and holistic wellness program that motivates you to achieve your health goals. With its personalised approach to health and wellness, you can be guided to lead a healthier lifestyle.

    With the Vitality Program1, you can opt for regular health check-ups and be a part of wellness activities for a healthy mind and body. Moreover, you can benefit from rewards such as discounts% on your rider premiums and more.

    How can I access the Tata AIA Vitality Program benefits?

    With the Tata AIA Vitality Program1 mobile application, you can access the following benefits:

    Know Your Health: This section helps you assess your health and wellness through online assessments.

    Improve Your Health: Follow and complete weekly activities and challenges for better physical, mental, and social well-being.

    Get rewarded: Earn rewards like discounts on your rider premium at each milestone based on your wellness status.

    How many family members can be added under Pro-Fit?

    You can add your spouse and up to 3 children under single plan.


    • Tata AIA Pro-Fit comprises of Tata AIA Smart Health, A Unit-linked, Non-participating, Individual Health Insurance Plan (UIN: 110L168V02), Tata AIA Sampoorna Health, A Non-Linked, Non- Participating Individual Health rider (UIN: 110A167V02) & Tata AIA OPD Care, A Linked, Non-Participating Individual Health rider (UIN: 110A166V01).
    • $All funds open for new business which have completed 5 years since inception are rated 4 or 5 star by Morningstar on a 5-year basis as of Nov’ 2023
    • ~Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations. 
    • *Under SurgiCash Benefit of the Tata AIA Sampoorna Health Rider, the payouts are offered basis the categories of surgeries: 10% of sum assured up to Rs. 50,000 for day care procedures such as eye cataract, nasal sinus operation, 25% on Category 1 surgeries, like Amputation of foot or hand, 50% on Category 2 surgeries, like knee or hip replacement, 75% on Category 3 surgeries, like Aortic Valve Repair, and 100% on Category 1 surgeries, like CABG. Refer list of surgeries for benefit payouts.
    • **Under CritiCash Benefit of the Tata AIA Sampoorna Health Rider, Benefit payouts for multistage critical illnesses are offered depending on the category of the illness. For minor critical illnesses such as cardiac arrest, angioplasty, Early-stage cancer etc, the payout will be 25% of sum assured up to Rs. 10,00,000/-. For major critical illnesses such as Heart attack, Major head trauma, Parkinson’s disease, Alzheimer’s disease etc., the payout will be 100% of sum assured. For a catastrophic illness like end stage cancer or major organ/bone marrow transplant, the payout will be 150% of sum assured. Refer list of critical illnesses for benefit payouts.
    • ***Hospitalization Benefit under the HospiCash CritiCash Benefit of the Tata AIA Sampoorna Health rider is payable on a minimum of consecutive 24 hours of hospitalization in India. Hospitalization has to treat an injury due to an accident or Sickness and should have been advised in writing by a medical professional. Benefit payout is subject to annual limit opted by the policyholder.
    • 172,34,092 families protected till 31st March 2023.
    • 2Retail Sum Assured for FY2023 is Rs 4,43,479 Crores
    • 3As on 31st August 2023, the company has a total Assets Under Management (AUM) of Rs. 81,601.11 Crores
    • 4Applicable to only non-early claims more than 3 years of policy duration, non-investigation cases, up to Sum assured of 50 lacs. Applicable for branch walk in. Time limit to submit claim to Tata AIA by 2 pm (working days). Subject to submission of complete documents. Not applicable to ULIP policies and open title claims.
    • 5Tata AIA Vitality - A Wellness Program that offers you an upfront discount on rider premium at policy inception. You can also earn rider 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. 
    • %On enrolling into the wellness Program, you get an upfront discount of 10% on first year premiums of Sampoorna Health rider. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the upfront rewards and annual rewards together shall be 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.
    • Rider is not mandatory and is available for a nominal extra cost. For more details on benefits, premiums, and exclusions under the Rider, please contact Tata AIA Life's Insurance Advisor/ branch.
    • ~~Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment 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.
    • Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/ withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year.
    • Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Smart Health is only the name of the Unit Linked health Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
    • The fund is managed by Tata AIA Life Insurance Company Ltd.
    • For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
    • Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any). 
    • All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
    • Please make your own independent decision after consulting your financial or other professional advisor.
    • Unit Linked Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
    • Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.
    • The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
    • Premium paid in the Unit Linked Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the Insured is responsible for his/her decisions.
    • Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the Insurance Company.
    • Insurance cover is available under the product. 
    • The products are underwritten by Tata AIA Life Insurance Company Ltd. 
    • The plans are not a guaranteed issuance plan, 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.
    • All Premiums are subject to applicable taxes, cesses & levies which will entirely be borne by the Policyholder and will always be paid by the Policyholder along with the payment of Premium. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder. Alternatively, Tata AIA Life Insurance Company Limited has the right to deduct the amount from the benefits payable by Us under the Policy.
    • Auto debit discount is applicable for Payments made through any electronic mode through an auto debit mandate for 1st-year instalment.
    • List of day care surgeries mentioned are illustrative in nature. Any surgery that falls under the day care surgery category is eligible for payout.
    • Risk cover commences along with policy commencement for all lives, including minor lives.
    • Buying a Health Insurance Policy is a long-term commitment. An early termination of the Policy usually involves high costs, and the Surrender Value payable may be less than the all the Premiums Paid.
    • In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines. 
    • Discount on policy will be subject to sales literature and policy contract.
    • !Return of mortality charges, return of premium allocation charges, auto debit discount & extra allocation under smart lady are applicable to Tata AIA Smart Health only. Smart Lady, Super 30, Transgender, Digital, Staff, Existing Customer, Worksite discounts are applicable to Tata AIA Sampoorna Health rider premium only. 
    • @5-year computed NAV for Multi Cap Fund as of November 2023. Other funds are also available.
    • `©2020 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar”); (2) may not be copied, redistributed or used by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from the data published on various dates and procured from various sources and (5) shall not be construed as a n offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates or agents shall be responsible or liable for any traducing decisions, damages or other losses resulting directly or indirectly from the information. 
    • Coverage for minor lives and under family floater is subject to Underwriting.
    • L&C/Misc/2024/Feb/0081

    Tata AIA Life Insurance Company Ltd. (IRDA Regn. No. 110 ·CIN:U66010MH2000PLC128403. Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai 400013. Trade logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. and is used by Tata AIA Life Insurance Company Ltd under a license. For any information including cancellation, claims and complaints, please contact our Insurance Advisor/Intermediary or visit Tata AIA Life's nearest branch office or call 1-860-266-9966 or write to us at Visit us at



    IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.



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