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A Term Plan that also
Secures your Wellbeing


A Term Plan that also
Secures your Wellbeing



Tata AIA

SRS Vitality Protect


Make sure that your term plan rewards in more ways than one by choosing a Vitality
Advantage with benefits of a comprehensive wellness program* and upfront discount
on premium.


Tata AIA
SRS Vitality Protect

Make sure that your term plan rewards in more ways than one by choosing a Vitality Advantage with benefits of a comprehensive wellness program* and upfront discount on premium.

  • Get 7% digital discount~ on first year premium

  • Get up to 30% annual discount on rider premium^

  • Avail a free annual health check-up

Get 1 Crore Life Cover at Rs 520 / month`

Get 1 Crore Life Cover at Rs 520 / month`

+91

    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.

    Tata AIA SRS Vitality Protect is a term solution which includes Tata AIA Life Insurance Sampoorna Raksha Supreme, a non-linked, non-participating, individual life insurance plan (UIN: 110N160V04) and Tata AIA Vitality Protect, a non-linked, non-participating, individual health rider (UIN: 110B046V02).


    Plan Snapshot

    Personalise your plan as per your priorities.

    • Trusted Life Cover
      for financial security

    • Terminal Illness Cover - 75% of total sum assured paid in advance

    • 10% Guaranteed Discount
      on 1st year Term Booster (rider) premium

    • Cover Boosters^
      Rider Sum assured can be increased by up to 30% after payment term
    • Benefit of Tata AIA Vitality* :
      The inbuilt Wellness Program under the Tata AIA SRS Vitality Protect can help you earn rewards as per your wellness status (tracked on Vitality App).
    Need advice on a new plan?
    Let our experts get back to you.
     

    +91


    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.

    There was some error in submitting details please try again

    Looking to buy a new insurance plan? 

    Our experts are happy to help you!

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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


    Benefits of Tata AIA SRS Vitality Protect

    • Eligibilty Criteria Icon
      Life Insurance Cover

      This solution offers life insurance coverage with inbuilt Term Booster for the future financial security of your loved ones in case of your demise or terminal illness.

    • Image Of Critical Illness Cover
      Get Benefit of Wellness Program (Tata AIA Vitality*)

      The inbuilt Wellness Program* under the Tata AIA SRS Vitality Protect can help you earn rewards as per your wellness status (tracked on Vitality App).

    • Guaranteed Premium Discount in the 1st Year

      The inbuilt Wellness Program rewards you with a guaranteed discount of 10%^ on your first year’s Term Booster benefit premium. Also enjoy discount of up to 10%^ on first year premiums of other riders

    • Earn Yearly Rewards

      Get Premium Discount up to 30%^ on rider premiums 2nd year onwards as per Tata AIA Vitality wellness status.

    • Cover Boosters*

      After the premium paying term, the rider sum assured can be increased up to 30% as per your wellness status.

    • Free Health Check-up

      Avail a free health check-up annually on your life insurance solution with the inbuilt Tata AIA Vitality Program.

    • Get Income Tax Benefits

      Get income tax$ benefits as per applicable income tax laws

    • Get Additional Benefits

      Avail Additional Benefits / Value Added Services+ up to Rs. 30,000/- per year at no additional cost

    Additional Benefits/Value Added Services+ offered with Tata AIA Life SRS Vitality Protect

    Sr. No

    Value Added Services

    Frequency

    1

    Medical Teleconsultation

    4 consultations per month

    = 48 consultations per annum

    2

    Annual Health Check-up

    1 Health check-up per annum

    3

    Personal Medical Case Management

    (PMCM) (max. 3 months of service period)

    Throughout the year

     

    Eligibility Criteria
     

    Plan option

    Life

    Life Plus

    Minimum Entry Age

    18

    18

    Maximum Entry Age

    65

    65

    Maximum Age at maturity

    100

    100

    Premium payment term

    Single Pay

    Limited Pay: 5 to 81

    Regular Pay

    Single Pay

    Limited Pay: 5, 10, 12

    Regular Pay

    Minimum Policy Term

    10

    10

    Maximum Policy term

    82

    Single Pay: 40

    Limited Pay: 50

    Regular Pay: 40

    Minimum Sum Assured (Rs.)

    50 Lakh

    50 Lakh

    Maximum Sum Assured (Rs.)

    2 Crore

    2 Crore


    Age as per last birthday

    Why Choose Tata AIA Vitality?*


    As a holistic wellness-based program, Tata AIA Vitality can help you target and meet your health and fitness goals to achieve overall physical and mental wellness. With different health and wellness activities and assessments, you can be rewarded with premium discounts* on riders and other benefits as you move towards boosting the quality of your lifestyle!

    Click here to know more about how the wellness program works/how can you earn points and rewards.

    Click here to download and register on Tata AIA Vitality App now

    Frequently Asked Questions

    General Policy Coverage Claim

    What is a life insurance solution?

    A life insurance solution is a combination of two or more life insurance products or riders that offer comprehensive coverage to you and your family. A life insurance solution is different from a simple life insurance policy as the features of multiple products/riders are combined to offer multiple benefits on your policy premiums, life cover, and so on.

    Do I need a life insurance solution?

    A life insurance solution has extensive coverage that can protect your family against life’s uncertainties and also enables you to secure your health and well-being under the same policy. You can also add optional riders# to your life insurance solution as per your needs for increased protection against accidental death, illnesses, and more.

    Are riders# added to a policy free of cost?

    Riders are additional benefits that with an incremental cost. You can choose the riders that you need and for the duration required, thus allowing you to enjoy customised coverage as per your needs.

    What are the two plan options under the Tata AIA SRS Vitality Protect?

    The Tata AIA SRS Vitality Protect offers two plan options, namely, the term variant, which is the Life Option, and the term with a return of premium variant or the Life Plus Option.

    What is the minimum sum assured I can select for this term insurance solution?

    You can choose a minimum sum assured of ₹50 Lakh for your term insurance solution under the Life Option or the Life Plus Option, as applicable.

    Which are the riders# available under this policy?

    You can choose from the following riders to cover your family against Accidental Death, Accidental Disability, Critical Illness or Hospitalization expenses:

    • Tata AIA Vitality Protect - A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V02) – offers life cover, additional cover on Accidental Death, Accidental Disability or Critical Illnesses like cancer, heart conditions etc
    • Tata AIA Vitality Health - A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V01) – offers coverage from Hospitalization expenses, cancer, cardiac conditions etc
    • Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN: 110B033V02)

    Does the Tata AIA SRS Vitality Protect offer whole life coverage?

    Yes, a whole life coverage option is available under the Tata AIA SRS Vitality Protect until 100 years of age.

    What is the premium paying term for the term (Life) and return of premium (Life Plus) variants under Tata AIA SRS Vitality Protect?

    Premium payment term for term (Life option) – Single Pay, Limited Pay: 5 to 81 years and Regular Pay

     

    Premium payment term for term with return of Premium (Life Plus option) – Single Pay, Limited Pay – 5, 10 and 12 years and Regular Pay

    Will I be able to receive discounts on my premiums with this term insurance solution?

    Yes, since the Tata AIA SRS Vitality Protect has the inbuilt Wellness Program, a 10% guaranteed discount will be available on your 1st year’s Term Booster (Rider Benefit option) premium.

    The discount 2nd year onwards will be based on your Wellness Status (tracked on Tata AIA Vitality App) and can go up to 30% of Term Booster premium. After that, at the time of policy anniversary, you can avail of other benefits on your premiums and coverage, depending on your wellness status.

    Do I need to pay additional premiums for the Wellness Program to be active?

    No additional premiums need to be paid for the inbuilt Wellness Program. On enrolling into this program, you can keep up with your health and fitness goals through the Wellness Program and earn wellness points which will help boost your wellness status and reward you with benefits.

    How many claims can I file under the Tata AIA SRS Vitality Protect solution?

    One claim can be filed by your nominee under the Tata AIA SRS Vitality Protect solution for the death benefit, which includes the policy sum assured as well as the Term Booster benefit. In case of the diagnosis of a terminal illness, you can submit the required medical reports and documents for the Term Booster benefit payout.

    Where do I file a claim with Tata AIA Life Insurance?

    Please reach out through any of the given channels to file a claim with us:

    To file a claim with us, choose any of the below channels to reach out to us: Email us at: customercare@tataaia.com

    • Call our helpline number - 1860-266-9966 (local charges apply)
    • Walk into any of the Tata AIA Life Insurance Company branch offices
    • Write directly to us at:

    The Claims Department,

    Tata AIA Life Insurance Company Limited

    B- Wing, 9th Floor,

    I-Think Techno Campus,

    Behind TCS, Pokhran Road No.2,

    Close to Eastern Express Highway,

    Thane (West) 400 607.

    IRDA Regn. No. 110

    Should I file the claim at the same branch from where I purchased my policy?

    Yes, you can either file the claim at the same branch where your policy was purchased, or you can take a look at the list of Tata AIA Life Insurance branches and visit the one nearest to you.

    Disclaimers

    • Tata AIA SRS Vitality Protect is a term solution which includes Tata AIA Life Insurance Sampoorna Raksha Supreme, a non-linked, non-participating, individual life insurance plan (UIN: 110N160V04) and Tata AIA Vitality Protect, a non-linked, non-participating, individual health rider (UIN: 110B046V02). Tata AIA Life Insurance Sampoorna Raksha Supreme is also available individually for sale.
    • #Riders are available at an additional cost. For more details on benefits, premiums and exclusions under the Rider, please read rider brochure or contact Tata AIA Life's Insurance Advisor/Intermediary/branch.
    • *Tata AIA Vitality - A Wellness Program that offers you an upfront discount at policy inception. You can also earn 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.
    • 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.
    • ^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 or Cover Booster (applicable post premium payment Term) 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.
    • ~Online Discount is applicable in first year only.
    • $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.
    • +The above-mentioned costs are based on estimated average market price for respective services and the eligibility criteria for availing teleconsultation and Personal Medical Case Management services is minimum total Sum Assured of Rs. 30 Lakhs [under base plan and Vitality rider/s]. For more information, please contact your Insurance Advisor / Intermediary or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at customercare@tataaia.com. Visit us at: www.tataaia.com.
    • `Sample illustration: 20 yr old female, standard life, non-smoker for 1 Cr Life Cover with Policy Term of 20 yrs (Regular Pay) under Life Option. Premium shared is the monthly premium with Tata AIA Vitality discount for the 1st year and excludes taxes. 2nd year onwards premium will vary basis Vitality Status.
    • This plan offers pure risk premium option under Life Option and return of premium benefit under Life Plus Option along with other benefits. Please refer sales brochure for complete details.
    • This product is underwritten by Tata AIA Life Insurance Company Ltd. This plan is not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
    • Insurance cover is available under this product. For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.
    • In case of sub-standard lives, extra premiums will be charged as per our underwriting guidelines.
    • Buying a Life 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.
    • L&C/Advt/2023/Sep/3026

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