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In this policy, the investment risk in investment portfolio is borne by the policyholder.
Non-participating, Unit Linked, Individual Health Insurance Plan (UIN: 110L168V04)
Your Ultimate Solution for Financial Security during Medical Emergencies!
Your Ultimate Solution for Financial Security during Medical Emergencies!
Get multistage cancer cover, including cost of reconstructive breast surgery.
Market linked~ growth on your savings to deal with medical inflation.
In case of death or disability, receive a one-time payment to support your loved ones.
Need assistance in choosing the right plan?
Need assistance in choosing the right plan?
The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
Are you an NRI?
In the event of a total and permanent disability caused by an accident, you will receive a lump-sum benefit payout to cover to cover essential expenses and maintain your quality of life.
Ensure your family is financially secure when you're not around. A lump sum payment will be provided to your nominee in case you pass away during the policy term.
With multistage cancer cover, receive a lump sum payout based on your diagnosis: 25% of the sum assured for minor stage cancer and 100% for major stage cancer.
Women life assured will receive an extra allocation of 0.5% for Limited/Regular pay policies on their first-year premium.
Get whole life coverage under the policy until 100 years of age.
Use your fund value after 5 years lock-in period to pay for regular medical expenses such as medicine bills, doctor visit fee etc.
You can attach riders% as well to enhance your protection under the same policy.
Get Income tax# benefits as per applicable tax laws and save more.
Family Coverage
Option to extend Accidental total and permanent disability cover to your family members.
Return of Mortality Charges
Receive the mortality charges in your fund starting from the 121st policy month.
Return of Premium Allocation Charges
Receive the premium allocation charges in your fund starting from the 121st policy month.
Enhanced SMART
Create a structured portfolio with this strategy to enter a volatile equity market and start investing in funds of your choice.
Eligibility Criteria for Tata AIA Smart Health
|
Minimum |
Maximum |
Entry Age |
18 years |
65 years |
Maturity Age |
Health Plus Benefit: 23 years Cancer Care: 23 years |
Health Plus Benefit: 100 years Cancer Care: 70 years |
Policy Term |
Health Plus Benefit Regular Pay*- 5 years Limited Pay - 10 years Cancer Care: Regular Pay- 5 years
|
Health Plus Benefit: 100 years less age at entry Cancer Care: Regular Pay - 5 Years |
*Policy Term 6-9 years under Regular Pay is not available |
||
Premium Payment Term |
Health Plus Benefit Regular Pay* - 5 years Limited Pay – 5 years Cancer Care Regular Pay - 5 years
|
Health Plus Benefit Limited Pay – (Policy Term – 1 year) |
*Premium payment term of Regular pay for 6-9 years is not available. |
||
Sum Assured (AP=Annualised Premium) |
Premium Payment Term - Regular/Limited Pay Sum Assured Multiple – For age up to 49 - 7 times the AP 7 times / 10 times of AP for Death Benefit as chosen by Policyholder for Death Benefit |
As per BAUP
|
Please refer to the “Sum Assured Multiples” Annexure on our website www.tataaia.com |
||
Families protected so far~~
Our funds have been rated 4 or 5 stars* by Morningstar@
Presence across major cities in India
Assets Under Management (AUM)^
How does a ULIP policy help in wealth creation?
Under a ULIP, you can choose from different fund options, and a portion of your premiums will purchase units of the funds. With this investment, you can earn market-linked~ returns on your funds and, over the policy term, continue growing your wealth. When the policy matures and if you survive the policy term, the maturity benefit will be the total fund value of your investment.
Can I switch from one fund to another for better investment opportunities?
Yes, Tata AIA Life enables fund switches on your fund options so that you can review and switch your funds to keep up with your investment goals.
Why does one need health coverage?
A health cover that secures you against different health risks such as cancer, accidental disabilities and other illnesses can add an extra layer of financial protection.
A policy like the Tata AIA Smart Health offers multiple benefits such as whole life coverage, a choice of market-linked~ funds to generate and grow your wealth and an option to enhance the protection through addition of riders.
Is there an additional cost for adding riders to the Tata AIA Smart Health?
Yes, adding one or more riders to your policy will incur a nominal premium charge. However, the inclusion of a rider will offer added coverage to you and secure you against a range of health conditions.
Can I add my family members under Tata AIA Smart Health?
Yes, you can add your family members i.e., spouse and children under Tata AIA Smart Health.
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