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InstaProtect Solution comprises of Tata AIA Life Insurance Sampoorna Raksha Supreme (UIN:110N160V05), Tata AIA Vitality Protect (UIN: 110B046V03) & Tata AIA Vitality Health (UIN: 110B045V02). Tata AIA Life Insurance Sampoorna Raksha Supreme is also available individually for sale.
InstaProtect Solution Plan Snapshot
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Affordable premiums
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Express policy issuance~
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Pay premiums in easy monthly installments
~T&C apply
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Get your premium amount back$
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Get the policy issued without medicals
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InstaProtect Solution Plan Benefits
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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.
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Comprehensive coverage
InstaProtect Solution provides comprehensive health and life cover protection to you and your loved ones, with flexible packages to choose from.
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Express Issuance
Get your policy issued instantly~ with a quicker and hassle-free process
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Affordable premiums
Each of the plan options come with flexible premium payment terms and affordable premiums for comprehensive coverage and benefits.
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Flexible to choose Policy Term and Premium Payment Term
Choose the policy term and premium payment term as per your convenience.
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Avail Tax Benefits
Avail tax benefits** as per applicable income tax laws.
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Enroll in Tata AIA Vitality (Wellness Program)~~
On enrolling into the Wellness Program, you can get an upfront discount## of up to 10% on first year rider premium.
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Get your Premium Amount Back
If you keep your plan active until the end of the policy term and pay premiums regularly, you will receive a refund of the premiums$ you paid for the coverage when the policy matures.
Additional Benefits
CritiCare Plus Benefit
CritiCare Plus Benefit
With CritiCare Plus, if you are diagnosed with any of the 40 critical illnesses listed, or if you undergo any of the covered procedures for the first time, you will receive a one-time lumpsum# payment. Hence, this benefit provides comprehensive coverage against multiple illnesses, including cancer and cardiac.
HospiCare Benefit
HospiCare Benefit
If you are hospitalized in case of a medical emergency, the HospiCare option will payout# 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 Protection
Accidental Total and Permanent Disability Protection
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.
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.
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## basis your Vitality Status. | |||
*Payout accelerator benefit provides Inbuilt terminal Illness at 50% of base plan sum assured.
Eligibility Criteria:
Eligible age range at entry
All references to age are as on last birthday.
How Does This Plan Work?
Step 1 - Choose Package Sum Assured
Benefit (Lumpsum)
Package Sum Assured^ (₹)
₹25 Lakh^
₹50 Lakh^
₹70 Lakh^
CritiCare Plus
₹3 Lakh
₹5 Lakh
₹10 Lakh
HospiCare
₹5 Lakh
₹10 Lakh
₹10 Lakh
Accidental Total & Permanent
Disability
₹5 Lakh
₹10 Lakh
₹15 Lakh
Accidental Death
₹5 Lakh
₹10 Lakh
₹15 Lakh
Tata AIA Life Insurance Sampoorna
Raksha Supreme
₹7 Lakh
₹15 Lakh
₹20 Lakh
| Benefit (Lumpsum)
|
Package Sum Assured^ (₹) |
||
₹25 Lakh^ |
₹50 Lakh^ |
₹70 Lakh^ |
|
CritiCare Plus |
₹3 Lakh |
₹5 Lakh |
₹10 Lakh |
HospiCare |
₹5 Lakh |
₹10 Lakh |
₹10 Lakh |
Accidental Total & Permanent |
₹5 Lakh |
₹10 Lakh |
₹15 Lakh |
Accidental Death |
₹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.
Sample Illustration
Age |
PT |
PPT |
Non-ROP(Return of Premium) Premium for Package Sum Assured^ (₹) |
ROP (Return of Premium) Premium for Package Sum Assured^(₹) |
||||
25 Lakh^ |
50 Lakh^ |
70 Lakh^ |
25 Lakh^ |
50 Lakh^ |
70 Lakh^ |
|||
35 |
20 |
5 |
17531 |
33467 |
44043 |
41738 |
79704 |
104049 |
35 |
20 |
10 |
9498 |
18128 |
23862 |
23009 |
43938 |
57361 |
35 |
20 |
12 |
8426 |
16088 |
21169 |
20492 |
39129 |
51069 |
35 |
20 |
20 |
5907 |
11279 |
14837 |
16215 |
30961 |
40378 |
35 |
30 |
5 |
25996 |
49676 |
66828 |
41668 |
79488 |
105686 |
35 |
30 |
10 |
14375 |
27473 |
36954 |
22557 |
43025 |
57225 |
35 |
30 |
12 |
12521 |
23937 |
32184 |
19581 |
37353 |
49669 |
35 |
30 |
30 |
7212 |
13800 |
18530 |
13153 |
25141 |
33300 |
The premium shown in the above are annualized premium for male, non-smokers and standard lives, exclusive of applicable taxes, cesses & levies. 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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Disclaimer
- InstaProtect Solution comprises of Tata AIA Life Insurance Sampoorna Raksha Supreme - Non-Linked, Non-Participating, Individual Life Insurance Plan (UIN: 110N160V05) - 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: 110B046V03) - 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 UIN: 110B046V03) - A Non-linked, Non-participating, Individual Health Rider.
- HospiCare (HCB) is a benefit option available under Tata AIA Vitality Health - A Non-linked, Non-participating, Individual Health Rider (UIN: 110B045V02).
- 1Illustrated 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 bene fit 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.
- **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.
- ~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.
- ~~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 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 _ex 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.
- 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.
- L&C/Advt/2024/May/1417
