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An Instant Term Insurance with 3D Assurance.

An Instant Term Insurance with 3D Assurance.

InstaProtect Solution

Protect your family financially from life and health uncertainties in a single insurance solution and get instant protection from 3Ds: Death, Disability & Disease. 


InstaProtect Solution

Protect your family financially from life and health uncertainties in a single insurance solution and get instant protection from 3Ds: Death, Disability & Disease. 

Secure instant health & life cover with no medicals

Secure instant health & life cover with no medicals

Get health cover against 40 critical illnesses + hospitalization benefits

Get health cover against 40 critical illnesses + hospitalization benefits

Avail tax benefits**

Avail tax benefits**

Get Rs. 70 Lakh Health + Life Cover @Rs. 633/month$$

Get Rs. 70 Lakh Health + Life Cover @Rs. 633/month$$

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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.

    InstaProtect Solution comprises of Tata AIA Life Insurance Sampoorna Raksha Supreme (UIN: 110N160V04), Tata AIA Vitality Protect (UIN: 110B046V02) & Tata AIA Vitality Health (UIN: 110B045V02)
     

    Plan Snapshot

    Personalise your plan as per your priorities.

    • Affordable premiums

    • Express issuance~ 

    • Flexi premiums

      Monthly/Annually/Quarterly
      /Lumpsum

    • Get back premium$

    • Inbuilt privileges

      • Hospitalisation & Accidental Death Benefit
      • 3C Protection: Cancer, Cardiac & Critical Illnesses 
      • Terminal Illness benefit*
    Need advice on a new plan?
    Let our experts get back to you.
     

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    Benefits of InstaProtect Solution

    This smart solution offers the following benefits:

    Benefit (Lumpsum) Description Package Sum Assured
    25 Lakh^ 50 Lakh^ 70 Lakh^
    CritiCare Plus  Covers 40 Critical Illness (including cancer & Heart ailments) 3 Lakh 5 Lakh 10 Lakh
    HospiCare  Covers Hospitalization/ICU Admission Costs Etc.  5 Lakh 10 Lakh 10 Lakh
    Accidental Total & Permanent Disability Cover Total & Permanent Disability Due to Accident  5 Lakh 10 Lakh 15 Lakh
    Accidental Death  Covers Death Due to Accident 5 Lakh 10 Lakh 15 Lakh
    Sampoorna Raksha Supreme  Benefit Payable on Death or Accelerated Terminal Illness* 7 Lakh 15 Lakh 20 Lakh
    Tata AIA Vitality  Access to comprehensive Wellness Program## which offers you Rider Premium Discount/Cover Booster basis your Vitality Status


    *Payout accelerator benefit provides Inbuilt terminal Illness at 50% of base plan sum assured.

     

    Plan Benefits

    CritiCare Plus

    CritiCare Plus

    Under CritiCare Plus, you will be entitled for lumpsum payout# on first diagnosis of any of the specified 40 critical illnesses or undergoing any covered procedures. Hence, this benefit provides comprehensive coverage against multiple illnesses, including cancer and cardiac.

    HospiCare

    HospiCare

    If you are hospitalised in case of a medical emergency, the HospiCare  option will pay out# a per day hospitalisation benefit of 0.5% of the sum assured. And if you are admitted to the Intensive Care Unit (ICU), additional 0.5% of sum assured will be paid out.

    Accidental Total and Permanent Disability

    Accidental Total and Permanent Disability

    With this benefit, in case of an unfortunate event of as total and permanent disability due to an accident, a lumpsum will be paid# which can help you cover the treatment expenses, expenses to modify your home/vehicle, loss of income etc. The payout is doubled# if the accident occurs under specified circumstances like public transport etc.

    Accidental Death

    Accidental Death

    The Accidental Death pays out an additional lumpsum to your family in case of Death due to accident. The payout is doubled# if the accident occurs under specified circumstances like public transport, etc.

    Life Cover

    Life Cover

    Secure your family’s financial future in case of your untimely demise with a term life cover. The life cover will take care of your family’s financial well-being and offer much-needed support in your absence.

    Option to choose Return of Premiums

    Option to choose Return of Premiums

    Get return of premiums$ for respective coverage on maturity if the plan/benefit option is active (in force) till the end of the policy term.

    Highlights of InstaProtect

    • Comprehensive Coverage

      InstaProtect Solution provides comprehensive health and life cover protection to you and your loved ones, with flexible packages to choose from.

    • Express Issuance~

      Get your policy issued instantly with a quicker and hassle-free process.

    • Affordable Premiums

      Each of the plan options come with flexible premium payment terms and affordable premiums for comprehensive coverage and benefits.

    • Flexible to choose Policy Term and Premium Payment Term

      Choose the policy term and premium payment term as per your convenience.

    • Avail Tax Benefits** as Per Applicable Tax Laws

      Avail tax benefits as per applicable income tax laws.

    • Enroll in Tata AIA Vitality (Wellness Program)~~

      On enrolling into the Wellness Program, you can get an upfront discount## of up to 10% on rider premium.

    Check Eligibility and Documents Required

    Eligibility Criteria
    Eligible age range at entry
    Eligible Age-range
    • Entry Age

      Minimum Maximum
      18 years 45 years
    • Maturity Age

      Minimum Maximum
      23 years 75 years

    All references to age are as on last birthday.

    Documents Required

    PAN card

    Aadhar Card

    Bank statement

    (for the previous 6 months)

    Salary Slip

    Income Tax Receipt

    How Does This Plan Work?

    Step 1 : Choose Package Sum Assured

    Benefit

     

    Package Sum Assured^

    25 Lakh^

    50 Lakh^

    70 Lakh^

    Criticare Plus Benefit (Lumpsum)

    ₹3 Lakh

    ₹5 Lakh

    ₹10 Lakh

    Hospicare Benefit (Lumpsum)

    ₹5 Lakh

    ₹10 Lakh

    ₹10 Lakh

    Accidental Total & Permanent
    Disability (Lumpsum)

    ₹5 Lakh

    ₹10 Lakh

    ₹15 Lakh

    Accidental Death Benefit
    (Lumpsum)

    ₹5 Lakh

    ₹10 Lakh

    ₹15 Lakh

    Tata AIA Life Insurance Sampoorna
    Raksha Supreme

    ₹7 Lakh

    ₹15 Lakh

    ₹20 Lakh

    Step 2 : Choose Return of Premium/Non-Return of Premium

    Step 3 : Choose Policy Term/Premium Payment Term and Payment Frequency

      Non - Return of Premiums option Return of Premiums option
    Policy Term (PT) 5 to 50 years 10 to 40 years
    Premium Payment
     Term (PPT)
    Single Pay: 1 year
    Regular Pay: Equal to policy term
    Limited Pay: 5 years to (PT minus 1)
    Single Pay: 1 year
    Regular Pay: Equal to policy term
    Limited Pay: 5, 10, 12 years
    Payment
    Frequency
    Annual, Half Yearly, Quarterly, Monthly

    Step 4 - Payment Options

    You can quickly and easily buy the customized policy online through multiple digital payment modes. Simply pay the premium amount as displayed on the screen and buy the Tata AIA Life Insurance InstaProtect Solution of your choice.

    Sample Illustration
     

    Age

    Policy term

    Premium
    Payment
    Term

    Package Sum Assured^

     ₹25 Lakh^

    50 Lakh^

    70 Lakh^

    35

    20

    5

    ₹13,416

    ₹25,237

    ₹35,813

    35

    20

    10

    ₹7,238

    ₹13,608

    ₹19,342

    35

    20

    12

    ₹6,486

    ₹12,208

    ₹17,289

    35

    20

    20

    ₹4,572

    ₹8,609

    ₹12,167

    35

    30

    5

    ₹20,486

    ₹38,656

    ₹55,808

    35

    30

    10

    ₹11,345

    ₹21,413

    ₹30,894

    35

    30

    12

    ₹9,921

    ₹18,737

    ₹26,984

    35

    30

    30

    ₹5,777

    ₹10,930

    ₹15,660




    ~~The premium shown in the illustration above are annualized premium exclusive of applicable taxes, cesses & levies for male, non-smokers, standard lives with non-return of premium option,. All taxes, duties, cesses or levies, (including but not limited to TDS, Surcharge or Cess) are applicable as per governing laws.

    Download Documents

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    Disclaimer

    • InstaProtect Solution comprises of Tata AIA Life Insurance Sampoorna Raksha Supreme (Non-Linked, Non-Participating, Individual Life Insurance Plan) (UIN: 110N160V04) - Life Option (in case Return of Premium is No) or Life Plus Option (in case of Return of Premium is Yes), Tata AIA Vitality Protect (UIN: 110B046V02) - A Non-linked, Non-participating, Individual Health Rider; Tata AIA Vitality Health (UIN: 110B045V02) - A Non-linked, Non-participating, Individual Health Rider. Tata AIA Life Insurance Sampoorna Raksha Supreme is also available individually for sale.
    • CritiCare Plus (CPB), Accidental Death (AD), Accidental Total & Permanent Disability (ATPD) are benefit options available under Tata AIA Vitality Protect (A Non-linked, Non-participating, Individual Health Rider).  Hospi Care (HCB) is a benefit option available under Tata AIA Vitality Health (A Non-linked, Non-participating, Individual Health Rider)
    • $$Illustrated Premium is premium excluding taxes for 20 yr. old female, Standard Life, Non-Smoker for 70 Lakh Package Sum Assured with Policy Term of 40 yrs, Regular Pay, Without Return of Premium Option. Please refer Benefit Illustration for more details. Premium is subject to applicable taxes, cesses & levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium. Tata AIA Life shall have the right to claim, deduct, adjust, recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy. Kindly refer the sales illustration for the exact premium.
    • #Please refer brochure/s of above product and rider/s for additional details and Annexure for Definitions and Exclusions under these benefits
    • *Inbuilt payor Accelerator Benefit that advances 50% of Basic Sum Assured in the event of a Terminal Illness diagnosis.
    • ^The package Sum Assured is the maximum total coverage under the respective packages and is the sum addition of the individual risks Sum Assureds payable on occurrence of various insured events. Payouts will be restricted to applicable bene­fit mentioned against the corresponding risk as per the product or rider terms and conditions. Other Sum Assureds also available under the base product with or without rider.
    • $At the time of purchase, if the policyholder chooses to opt for a Return of Balance Premium option - For Sampoorna Raksha Supreme (Life Plus Option), an amount equal to the 105% of the Total Premiums Paid towards the product (excluding loading for modal premiums) shall be payable at the end of the Policy Term, provided the life assured survives till maturity and the policy is not terminated earlier. For Tata AIA Vitality Protect and Tata AIA Vitality Health, an amount equal to the Total Premiums Paid towards the respective benefit option (excluding loading for modal premiums), less any claim amount already paid out under the respective benefit option and any premium discounts availed under the Wellness Program as premium discounts or premium cashback, shall be payable at the end of the benefit option term, provided the benefit option is not terminated.**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 for tax implications mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you. Buying a life Insurance policy/rider is a long-term commitment. Early termination of the policy/benefit option under a rider usually involves high costs, and the surrender value payable may be less than all the premiums paid.
    • ~Express Issuance for standard lives. The solution will be underwritten by Tata AIA Life Insurance Company Limited. Additional Requirements may be called at underwriters’ discretion.
    • Life cover is available in this solution. The solutions are not guaranteed issuance solutions and will be subject to Company’s underwriting and acceptance. In the case of sub-standard lives, extra premiums will be charged as per our underwriting guidelines.
    • The solutions are underwritten by Tata AIA Life Insurance Company Limited. For more details on the benefits, premiums, and exclusions under the rider, please refer to the Rider Brochure or contact our Insurance Advisor /Intermediary or visit our nearest branch office.
    • The assessment under the wellness program (Tata AIA Vitality) shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
    • 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.
    • ##On enrolling into the wellness Program, you get an upfront discount of 5% on first year premium for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care Benefits and of 10% on first year premiums of the other benefit options. 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 15% for 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.
    • L&C/Advt/2023/Oct/3338

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