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Tata AIA Life Insurance Waiver of Premium (Linked) Rider
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Unforeseen events cannot be predicted, but you can protect the financial future of yourself and your loved ones with Tata AIA Life Insurance Waiver of Premium (Linked) Rider.
In case you are diagnosed with Total and Permanent Disability (TPD) due to an unfortunate accident or illness, this rider ensures that your life insurance benefits will continue by waiving future premiums of the base plan. Hence you can focus on your recovery without the added stress of paying future premiums.
Plan Benefits
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![Flexibility to Choose Plan Option - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme]( "Flexibility to Choose Plan Option - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme")
Comprehensive Coverage
Provides complete coverage in the event of Total Permanent Disability (TPD) which includes inability to work, loss of limbs or sight, and loss of independent living.
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![Flexible premium payment options - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme]( "Flexible premium payment options - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme")
Waiver of Future Premium
In case of diagnosis of Total Permanent Disability (TPD), the future premiums of the base plan are waived off.
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![Lower Premium Rates for Women - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme]( "Lower Premium Rates for Women - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme")
Extended Coverage
The premium waiver lasts for the premium payment term or until the age of 65 years, whichever is earlier.
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![Death Benefit Pay-out - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme]( "Death Benefit Pay-out - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme")
Flexible Eligibility
This rider is available to purchase from entry age of 18 to 60 years
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![Option to get Income Pay-outs - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme]( "Option to get Income Pay-outs - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme")
Tax Benefits
Get tax benefits as per applicable income tax# laws
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Peace of Mind
Provides assurance that the insurance policy will remain active in case of Total Permanent Disability.
Eligibility Criteria
Minimum Entry Age |
Minimum age at entry under base product or 18 years whichever is higher |
Maximum Entry Age |
Maximum age at entry under Base product or 60 years whichever is lower |
Maximum Maturity Age |
Age till the end of Premium Paying Term of basic plan or 65 years whichever is lower |
Minimum Rider Coverage Term |
5 years |
Maximum Rider Coverage Term |
Till premium payment term of the basic plan or until the Insured reaches age 65 whichever is earlier |
Rider Charge Deduction Term |
Same as Maximum Rider Coverage Term |
Minimum/ Maximum Sum Assured |
Sum of all the future premiums of the basic plan to be waived |
Rider Charge |
The charge for the rider will be recovered monthly by cancellation of units from the unit fund of base policy |
Download Documents
-rider/download-btn.svg "Download Brochure Online Button | Tata AIA Life Insurance")
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Disclaimers
- Tata AIA Life Insurance Waiver of Premium (Linked) Rider - Linked, Individual, Health Insurance Rider (UIN: 110A026V02)
- Riders are not mandatory and are available for a nominal extra cost. For more details on the benefits covered, rider charges and exclusions under the Riders please refer to the Rider Brochure or contact our Insurance Advisor/Intermediary or visit our nearest Branch Office.
- #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.
- This Rider is underwritten by Tata AIA Life Insurance Company Ltd. This Rider is not a guaranteed issuance Rider, and it will be subject to Company’s underwriting and acceptance.
- Participation by customers shall be on voluntary basis. For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.
- All Premiums are subject to applicable taxes, cesses & levies which will entirely be borne by the Policyholder and will always be paid by the Policyholder along with the payment of Premium. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder. Alternatively, Tata AIA Life Insurance Company Limited has the right to deduct the amount from the benefits payable by Us under the Policy.
- Insurance cover is available under the Tata AIA products and are underwritten by Tata AIA Life Insurance Company Limited.
- For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
- L&C/Advt/2024/Jun/1684
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