InstaProtect Solution comprises Tata AIA Life Insurance Sampoorna Raksha Supreme (Non-Linked, Non-Participating, Individual Life Insurance Plan) (UIN: 110N160V03) - 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: 110B046V01) - A Non-linked, Non-participating, Individual Health Rider; Tata AIA Vitality Health (UIN: 110B045V01) - A Non-linked, Non-participating, Individual Health Rider.

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)

*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/2022/Oct/2615