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Overview

Tata AIA Life Insurance Vital Care Pro Overview

Non Linked Non Participating Health Insurance plan

It is said “You can't predict the future, but you can plan for it”. Similarly, you may never know what the future has to offer, but you can certainly protect yourself and your loved ones from a few of the harsh uncertainties that life may throw at you. Your health and well-being are two such aspects, that you would always like to protect.

Presenting Tata AIA Life Insurance Vital Care Pro, a Non Linked Non Participating Health Insurance plan, which offers you superior health care protection with multiple options at an affordable cost. The plan not only offers you the flexibility to choose from a Lump Sum Benefit or Lump Sum plus Regular Income Benefit while covering 15 critical illnesses, but also provides you with the floater option to cover your spouse at the same time.

So go ahead and paint the future you always desired... carefree!

Benefits

Tata AIA Life Insurance Vital Care Pro Benefits

Tata AIA Life Insurance offers you a unique Critical Illness Plan which pays you a lumpsum amount, in case of an unfortunate event of you being diagnosed with any of the 15 covered Critical Illnesses (CI), during the term of the policy. What more, you can also cover your spouse under the same cover.

  • Get Lumpsum Critical Illness cover up to Rs. 60, 00,000 on diagnosis of any of the 15 covered Critical Illnesses.
  • Hassle free purchase experience through no medicals1
  • Affordable premiums for Priceless Care.
  • Get additional monthly payouts on Critical Illness Benefit claim, which becomes payable, for a period of 10 years2.
  • Flexibility to choose from following options:
    • Pro Care - Lumpsum Benefit
    • Pro Care Plus - Lumpsum Benefit with Income Loss Benefit
  • Spouse also can be covered under the same plan
    • Duo Care - Lumpsum Benefit with Joint Life
    • Duo Care Plus - Lumpsum Benefit with Income Loss Benefit with Joint Life
  • Tax benefits u/s 80D of the Income-Tax Act, 1961

1No medicals up to the Sum Assured of Rs. 20,00,000

2Based on the option chosen

Eligibility

Tata AIA Life Insurance Vital Care Pro Eligibility

Plan Parameters Minimum Maximum
Life Assured / Spouse age3 (Years) 18 years
(Applicable to younger life in case of joint life option)
65 years
(Applicable to older  life in case of joint life option)
Max Maturity age of Life Assured3 (Years) 85 years
(Applicable to older life in case of joint life option)
Minimum Premium Rs. 3,600 Based on Maximum Basic Sum Assured
Basic Sum Assured (for Single life /Joint lives)4

For Simplified issuance Rs.5,00,000   Rs. 20,00,000
For fully underwritten issuance
 
Rs. 20,01,000 Rs. 60,00,000
Plan Options
  • Pro Care - Lumpsum Benefit in case of individual life
  • Pro Care Plus - Lumpsum Benefit with Income Loss Benefit in case of individual life
  • Duo Care - Lumpsum Benefit case of Joint Life
  • Duo Care Plus - Lumpsum Benefit with Income Loss Benefit in case of Joint Life
Policy Term 10/15/20/25/30 years
Premium Payment Term Same as Policy Term
Premium Payment Options Annual/ Half-Yearly/ Quarterly/ Monthly
Rate renewability The premium rates are guaranteed for the first 15 (fifteen) years and are subject to review thereafter based on the Critical Illness experience and with prior approval from the IRDA of India.
The revision in premium rates will be applicable for new policy holders.

3All references to age are as on last birthday

4Under all 4 plan options and basic Sum Assured is allowed in multiple of Rs. 1,000

Disclaimer

  • This product is underwritten by Tata AIA Life Insurance Company Ltd. This plan is not a guaranteed issuance plan and it will be subject to Company’s underwriting and acceptance
  • Health 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.
  • Participation by customers shall be on voluntary basis
  • 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.
  • Tax benefits and liabilities under the Policy are subject to prevailing tax laws. Tax laws and the benefits arising thereunder are subject to change. The Policyholder is advised to seek an opinion of tax advisor in relation to the tax benefits and liabilities applicable.
  • Company may request medical examination based on the Board Approved Underwriting Guidelines. In the event of the Company requesting for a medical examination, the cost of such medical examination shall be borne by Tata AIA Life.
  • In case of sub-standard lives, based on proposer's health or occupation, extra premium will be charged as per the Company's Board Approved Underwriting Guidelines. Policy will be issued only after obtaining the consent from the Proposer on the additional premium charged.

For more information, call the Tata AIA Life Insurance Company Ltd Helpline number at 1860-266-9966 (local charges apply) or Visit us at: www.tataaia.com or SMS 'LIFE' to 58888.

Tata AIA Life Insurance Company Ltd. (IRDA of India Regn. No. 110). Registered & Corporate Office Address: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai 400013.

UIN: 110N128V02L&C/Advt/2017/Jun/180

INDUSIND Bank Limited (CA0001) is the Corporate Agent of Tata AIA Life Insurance Company Limited and does not underwrite the risk or act as an insurer. INDUSIND Bank Limited, 2401, Gen. Thimmayya Rd., (Cantonment), Pune - 411001. Participation by the Bank’s clients in the insurance products is purely on a voluntary basis. The contract of insurance is between Tata AIA Life and the insured and not between the bank and the insured.

Beware of Spurious Phone calls and Fictitious/Fraudulent offers:

IRDAI clarifies to public that

  • IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.
  • IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.
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  • SAVINGS RATES

  • Daily balance upto Rs.10 Lakhs 4 %
  • Daily balance above Rs.10 Lakhs and upto Rs.1 Crore 5 %
  • Daily balance above Rs.1 Crore and upto Rs 10 Cr 5.5 %
  • Daily balance above Rs.10 Crore 6 %
  • DEPOSIT RATES

  • 1 year to 1 year 2 months 6.85 %
  • Indus Tax Saver Scheme - 5 years (upto Rs 1.5 lacs) 6.5 %
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