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Key Rider Benefits


  • Medical Second Opinion / Personal Medical Case Management is an optional service offered to you at no additional cost. You may exercise your own discretion to avail the services, and to follow the treatment path suggested by the service provider. These services shall be directly provided by the service provider, and the services can be availed only when the policy/rider is inforce. All the supporting medical records should be available to avail the service. The Company reserves the right to discontinue the service, or change the service provider at any time. The services are being provided by a third party service provider, and Tata AIA Life Insurance Company Ltd. will not be liable for the details or accuracy of any information provided by them.
  • Riders are not mandatory, and are available for a nominal additional cost. For more details on the benefits, premiums and exclusions under the riders, please refer to the Rider Brochure or contact our Insurance Advisor/Intermediary, or visit our nearest branch office.
  • If the Return of Balance Premium option is chosen with any of the benefit option(s), an amount equal to the Total Premiums Paid (excluding loading for modal premiums) towards the benefit option, minus any claim amount already paid out under the respective benefit option, shall be payable at the end of the benefit option term, provided the benefit option is in force and all due premiums have been paid.
  • 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 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 the 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.

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