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Non-linked Non-participating Individual Micro Term Insurance Plan (UIN:110N169V01)
A Simple and Affordable Life Insurance Plan that Secures Your Family’s Future
Tata AIABharat Suraksha Cover Micro Insurance Plan
Simple and affordable protection plan
Flexibility to choose your Policy Term and Premium Payment Term
Get Income Tax# benefits as per applicable tax laws
Non-linked Non-participating Individual Micro Term Insurance Plan (UIN:110N171V01)
A Simple and Affordable Life Insurance Plan that Secures Your Family’s Future
Tata AIABharat Suraksha Cover Micro Insurance Plan
Simple and affordable protection plan
Flexibility to choose your Policy Term and Premium Payment Term
Get Income Tax# benefits as per applicable tax laws
Plan Snapshot
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Get assured financial protection up to Rs 2 Lakhs
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Pay premium as per convenience
Monthly/ Annually/ Quarterly/ Lump Sum
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Add-on (Riders)^
Enhance cover with Accidental death, Accidental Total & Permanent Disability
40 Critical Illness covered & Hospitalization Benefit
- Affordable premiums to secure your family’s financial future in your absence
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Express 4 Hour Claim Settlement*
*T&C apply
You always want to take care of your loved ones and ensure their financial security, especially when you are not around. This is where Tata AIA Bharat Suraksha Cover comes in. In case of your unfortunate demise during the policy term, your family will receive a sum assured that will secure their financial future and assist them in taking care of their expenses.
Benefits of Tata AIA Bharat Suraksha Cover Micro Insurance Plan
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Assured Financial Protection
In case of any unfortunate event such as death of the life assured, the death benefit is paid to the policy nominee assuring that their lives are secured.
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1% Discount on First-Year Premium
You will be eligible for a discount of 1% on your first-year premiums for all payments paid through any permissible electronic mode debited through an auto-debit mandate. These discounts will be capped at a maximum of ₹100 during the year.
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Optional Riders
You can enhance your coverage with 4 optional riders^ for an additional premium on your policy purchase or any anniversary of the base plan.
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Multiple Premium Payment Modes
You can pay your premiums conveniently as a single lump sum or pay them annually, quarterly, half-yearly, or monthly mode.
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Income Tax Benefits
Get Income Tax# benefits as per applicable tax laws and save more when you purchase this plan.
Eligibility Criteria
Parameters |
For PoS Plans |
For Non-PoS Life Plans |
Minimum Entry Age |
18 |
18 |
Maximum Entry Age |
50 |
50 |
Maximum Age at Maturity |
60 |
60 |
Premium Payment Term (Years) |
Single Pay: Lump Sum at Policy Inception Regular Pay: Equal to the policy term Limited Pay: 5 - 9 |
|
Minimum Policy Term (Years) |
Single Pay: 5 Regular Pay: 5 Limited Pay: 6 |
Single Pay: 1 Regular Pay: 5 Limited Pay: 6 |
Maximum Policy Term (Years) |
10 (Subject to maximum maturity age) |
|
Minimum Sum Assured (Rs.) |
₹50,000 |
₹20,000 |
Maximum Sum Assured (Rs.) |
₹2,00,000 |
|
Premium Payment Mode(s) |
Single / Annual /Quarterly / Half-yearly / Monthly |
|
All reference to age is as per the last birthday of the insured.
Why Choose Tata AIA Life Insurance?
Express Claim Settlement
Get your claims settled under 4 hours*
99.13%
Individual Death Claim Settlement Ratio%
500+ Branches
Presence across major cities in India
77 Lakhs
Families protected so far~
*T&C apply
What are the Riders Available with Tata AIA Bharat Suraksha Cover Micro Insurance Plan?
You can opt for an additional rider^ to ensure that you stay insured in more ways than one. You can choose among 4 optional riders to enhance your base plan:
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Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V04 or any other later version)
Offers coverage for accidental death/disability and 40 critical illnesses.
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Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (UIN: 110B031V02 or any other later version)
Offers coverage for accidental permanent total/partial disability, critical illness and optional accidental death coverage.
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Tata AIA Vitality Health (UIN: 110B045V03 or any later version)
Offers coverage for critical 39 illnesses, hospitalisation and accidental total/partial disability.
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Tata AIA Vitality Protect (UIN: 110B046V04 or any later version)
Offers coverage for accidental death/disability, critical illness, optional wellness program under Tata AIA Vitality and an optional ROP benefit.
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Frequently Asked Questions (FAQs)
What is a life insurance policy?
A life insurance policy can be defined as a legal contract between you - the policyholder, and the insurance company. The insurance company pays a sum assured amount to the policy nominee or the insured's family members upon the insured's death - in exchange for regular and timely premium payments during the policy term.
Do I need a life insurance policy?
A life insurance policy offers extensive coverage that can be used to safeguard you and your family from life's uncertainties. Additionally, most life policies offer add-on health riders to secure your health and well-being under their coverage.
What is micro insurance?
Micro insurance in life insurance refers to a specialized form of coverage that offers affordable, simplified policies with small benefit amounts, aiming to protect policyholders against basic risks like death, disability, or health emergencies. Micro insurance prioritizes accessibility through various distribution channels, flexible payment options and fast claims processing. Its primary goal is to provide financial security to those who may not have access to traditional insurance, helping them ensure complete financial protection and security for their loved ones.
Why should I purchase a micro insurance plan?
Basic Coverage: They provide essential coverage for life's risks, such as illness, accidents or death.
Financial Security: Microinsurance offers a safety net, helping you and your family cope with unexpected expenses.
Accessibility: Designed for low-income individuals, it's easier to obtain compared to traditional insurance.
Tailored Options: You can choose plans that suit your specific needs and budget.
Fast Claims: Microinsurance ensures quick claims processing, providing timely assistance during emergencies.
Are riders added to a policy free of cost?
The add-on riders^ for Tata AIA's Bharat Suraksha Cover Micro Insurance Plan comes with an incremental cost. Hence, you can choose the riders you need and for the duration required, allowing you to enjoy customized coverage as per your needs.
What is the maximum and minimum sum assured I can select for this term insurance solution?
You can choose a minimum sum assured of ₹50,000 for PoS plans and ₹20,000 for non-PoS plans. The maximum sum assured is ₹2,00,000 for both plan types. Under this term plan, you can also choose your premium payment terms and your payment mode to make your premium payments at your convenience.
Which are the riders available under this policy?
You get to opt for 4 add-on riders^ under your Tata AIA Bharat Suraksha plan:
Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider - A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04 or later)
Tata AIA Life Insurance Non-Linked Comprehensive Health Rider - ○ - A Non-Linked, Non- Participating Individual Health Rider (UIN:110B031V03 or later)
Tata AIA Vitality Health - A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V03 or later)
Tata AIA Vitality Protect - A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V04 or later)
Does the Tata AIA Bharat Suraksha Cover Micro Insurance Plan offer whole-life coverage?
No, the maximum policy term available under this micro-insurance plan is 10 years, subject to the maximum maturity age of 60 years.
At what age can I start this policy?
The minimum entry age for this policy is 18 years of age. So, you can buy this policy as soon as you turn 18.
Till what age can I buy this policy?
The maximum age of entry for this plan is 50 years.
What are the premium paying terms for Tata AIA's Bharat Suraksha Cover Micro Insurance Plan?
You are offered the option to choose among 3 premium payment terms under this life policy for PoS and Non-PoS plans:
Single Pay: A Lump Sum at Policy Inception
Regular Pay: Equal to the Policy Term
Limited Pay: 5 - 9 years
Will I receive discounts on my premiums with this term insurance policy?
Yes, you are offered a 1% discount on your premium payments on the first policy year if the payment is paid through any permissible electronic mode debited through an auto-debit mandate. The discount is capped at a maximum of ₹100.
How many claims can I file under the Tata AIA Bharat Suraksha Cover Micro Insurance Plan?
Your nominee can file one claim under the Tata AIA Bharat Suraksha Cover Micro Insurance Plan for the death benefit, which includes the policy sum assured. If you have opted for any add-on riders^ that provide health coverage or ROP benefits, you need to present the required medical reports and other required documents for those additional benefit payouts.
Where can I file a claim with Tata AIA Life Insurance?
You can contact us through any of the given channels to file a claim under your policy:
- Email us at: customercare@tataaia.com
- Call our helpline number (Mon-Sat | 10 am - 7 pm IST) - 1860-266-9966 (local charges apply).
- Or walk into any of our Tata AIA Life Insurance Company branch offices.
Should I file the claim at the same branch from where I purchased my policy?
Yes, you can file your claim at the same branch where you bought your policy, or you can look at the list of Tata AIA Life Insurance branches using our Branch Locator and visit the one nearest to you.
Alternatively, you can initiate a claims process online through our website on our Online Claim Intimation page.
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Disclaimer
- Tata AIA Bharat Suraksha Cover Micro Insurance Plan (UIN: 110N169V01) is a Non-linked, Non-Participating Individual Micro Term Insurance Plan.
- #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 implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
- ^Riders are not mandatory and are 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/Intermediary/ branch.
- Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V04 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider, Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (UIN: 110B031V03 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider, Tata AIA Vitality Protect (A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V04 or later version), Tata AIA Vitality Health (A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V03 or later version) are available under this plan.
- 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.
- *Applicable to only non-early claims with more than 3 years of policy duration, non-investigation cases, up to Sum Assured of Rs. 50 lakhs. Applicable for branch walk in. Time limit to submit claim to Tata AIA Life Insurance is 2 pm on working days. Subject to submission of complete documents. Not applicable for ULIP policies and open title claims.
- %Individual Death Claim Settlement Ratio is 99.13% for FY 2023 - 24 as per the latest annual audited figures.
- ~77,26,727 families protected till December ’23.
- This product is underwritten by Tata AIA Life Insurance Company Ltd.
- Insurance cover is available under this product.
- This plan is not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
- In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
- All Premiums and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses, or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium or interest. Tata AIA Life shall have the right to claim, deduct, adjust, and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.
- For more details on risk factors, benefit exclusions, terms and conditions, please read the sales brochure carefully before concluding a sale.
- L&C/Advt/2024/Oct/2868
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