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InstaProtect Solution comprises of Tata AIA Life Insurance Sampoorna Raksha Supreme (UIN: 110N160V04), Tata AIA Vitality Protect (UIN: 110B046V02) & Tata AIA Vitality Health (UIN: 110B045V01)
Personalise your plan as per your priorities.
Monthly/Annually/Quarterly
/Lumpsum
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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.
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.
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.
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.
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.
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.
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
InstaProtect Solution provides comprehensive health and life cover protection to you and your loved ones, with flexible packages to choose from.
Get your policy issued instantly with a quicker and hassle-free process.
Each of the plan options come with flexible premium payment terms and affordable premiums for comprehensive coverage and benefits.
Choose the policy term and premium payment term as per your convenience.
Avail tax benefits as per applicable income tax laws.
On enrolling into the Wellness Program, you can get an upfront discount## of up to 10% on rider premium.
All references to age are as on last birthday.
(for the previous 6 months)
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 |
₹5 Lakh |
₹10 Lakh |
₹15 Lakh |
Accidental Death Benefit |
₹5 Lakh |
₹10 Lakh |
₹15 Lakh |
Tata AIA Life Insurance Sampoorna |
₹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.
Age |
Policy term |
Premium |
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.
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