Get Sampoorna Rakshakaran and comprehensive coverage with InstaProtect Solution by Tata AIA Life Insurance!

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InstaProtect Solution

Facing life’s challenges with the right type of life insurance plan is important so that you can be prepared to secure two of the most crucial aspects for your loved ones –health and financial future.

InstaProtect is comprehensive solution that provides financial protection to you and your family. This Smart Solution combines the benefit of a life cover along with critical illness, hospitalization expenses, accidental death, total and permanent disability and more.

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Benefits of InstaProtect Solution

This smart solution offers the following benefits:

Benefit Description Package Sum Assured^
25 Lakhs^ 50 Lakhs^ 70 Lakhs^
Critical Plus Benefit (Lumpsum) Covers 40 Critical Illness (including cancer & Heart ailments) 3 Lakhs 5 Lakhs 10 Lakhs
Hospicare Benefit (Lumpsum) Covers hospitalization/ICU admission costs etc  5 Lakhs 10 Lakhs 10 Lakhs
Accidental Total & Permanent Disability (Lumpsum) Cover Total & Permanent Disability due to accident  5 Lakhs 10 Lakhs 15 Lakhs
Accidental Death Benefit (Lumpsum) Covers Death due to accident 5 Lakhs 10 Lakhs 15 Lakhs
Sampoorna Raksha Supreme  Benefit payable on death or accelerated Terminal Illness* 7 Lakhs 15 Lakhs 20 Lakhs


*Payout accelerator benefit provides Inbuilt terminal Illness at 50% of base plan sum assured.

 

Plan Benefits

Criticare Plus Benefit

Criticare Plus Benefit

Under Criticare Plus Benefit, 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.

Hospicare Benefit

Hospicare Benefit

If you are hospitalised in case of a medical emergency, the Hospicare Benefit 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.

Accidental Total and Permanent Disability Benefit

Accidental Total and Permanent Disability Benefit

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.

Accidental Death Benefit

Accidental Death Benefit

The Accidental Death Benefit 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

Life Cover

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.

Option to choose Return of Premiums

Option to choose Return of Premiums

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

  • Comprehensive coverage

    The Tata AIA Life Insurance InstaProtect provides comprehensive health and life cover protection to you and your loved ones, with flexible packages to choose from.

  • Express Issuance~

    Get your policy issued instantly with a quicker and hassle-free process

  • Affordable premiums

    Each of the plan options come with flexible premium payment terms and affordable premiums for comprehensive coverage and benefits.

  • Simplified Process

    Enjoy easy and smooth onboarding, renewal and claim settlement processes with seamless online modes of transactions.

  • Flexible to choose Policy Term and Premium Payment Term

    You can choose the policy term and premium payment term as per your convenience.

  • Avail Tax Benefits** as per applicable tax laws

    You can avail of tax benefits as per applicable income tax laws.

Check Eligibility and Documents Required

Eligibility Criteria
Eligible age range at entry
Eligible Age-range
  • Entry Age

    Minimum Maximum
    18 years 45 years
  • Maturity Age

    Minimum Maximum
    23 years 75 years

All reference to age is as on last birthday.

Documents Required

PAN card

Aadhar Card

Bank statement

(for the previous 6 months)

Salary Slip

Income Tax Reciept

How Does This Plan Work?

Step 1 : Choose Package Sum Assured

Benefit

 

Package Sum Assured^

25 Lakhs^

50 Lakhs^

70 Lakhs^

Criticare Plus Benefit (Lumpsum)

₹3 Lac

₹5 Lac

₹10 Lac

Hospicare Benefit (Lumpsum)

₹5 Lac

₹10 Lac

₹10 Lac

Accidental Total & Permanent
Disability (Lumpsum)

₹5 Lac

₹10 Lac

₹15 Lac

Accidental Death Benefit
(Lumpsum)

₹5 Lac

₹10 Lac

₹15 Lac

Tata AIA Life Insurance Sampoorna
Raksha Supreme

₹7 Lac

₹15 Lac

₹20 Lac

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 Return of Premiums
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 customised 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.

Benefit Illustrator

Sample Premiums~~

 

Age

Policy term

Premium
Payment
Term

Package Sum Assured^

 ₹25 Lakhs^

50 lakhs^

70 lakhs^

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.

Need help to choose the right plan?

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By submitting your details, you are giving your consent to receive SMS/Call by Tata AIA Life Insurance Company Limited or its representative, with reference to this solicited inquiry even though you may be registered on the DND list. L&C/Advt/2019/Jan/075

Disclaimer
  • Tata AIA Life Insurance InstaProtect comprises Tata AIA Life Insurance Sampoorna Raksha Supreme (Non-Linked, Non-Participating, Individual Life Insurance Plan) (UIN: 110N160V02) - Life Option (in case Return of Premium is No) or Life Plus Option (in case of Return of Premium is Yes), Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (NLCPR) (UIN: 110B033V02) - A Non-linked, Non-participating, Individual Health Rider; Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (NLCPR) (UIN: 110B031V02) - A Non-linked, Non-participating, Individual Health Rider.

  • CritiCare Plus (CPB), Accidental Death Benefit (ADB), Accidental Total & Permanent Disability (ATPD) are benefit options available under Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (A Non-linked, Non-participating, Individual Health Rider) (UIN: 110B033V02 or any later version).  HospiCare Benefit (HCB) is a benefit option available under Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (A Non-linked, Non-participating, Individual Health Rider) (UIN: 110B031V02 or any later version)

  • #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 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 Life Insurance Non-Linked Comprehensive Protection Rider and Tata AIA Life Insurance Non-Linked Comprehensive Health Rider, 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, 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. 

  • L&C/Advt/2021/Oct/1754