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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 Limited.
  • For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
  • ^Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. 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 benefit available to you.
  • Insurance cover is available under this product. This plan is not a guaranteed issuance plan and it will be subject to Company’s underwriting and acceptance. In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
  • All Premiums, Charges , and interest payable under the policy are exclusive of  applicable  taxes, duties, surcharge, cesses or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium, charges or interest. 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”. We Tata AIA Life Insurance Company Limited have has the right to deduct the amount from the benefits payable by Us under the Policy.
  • Investments are subject to market risks.
  • Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company.
  • Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Life Insurance Fortune Maxima is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
  • The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The underlying Funds NAV will be affected by interest rates and the performance of the underlying stocks. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company.
  • The performance of the managed portfolios and funds is not guaranteed and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
  • Past performance is not indicative of future performance.
  • Tata AIA Life Insurance Waiver of Premium (Linked) Rider (UIN: 110A026V01), Tata AIA Life Insurance Waiver of Premium Plus (Linked) Rider (UIN: 110A025V01), Tata AIA Life Insurance Accidental Death and Dismemberment Rider (Long Scale) (ADDL) Linked Rider (UIN: 110A027V01) are available under this product. *Riders are not mandatory and are available for a nominal extra cost. For more details on benefits, premiums and exclusions under the Rider(s), please contact Tata AIA Life's Insurance Advisor/ Branch
  • The Premium paid in the Unit Linked Life Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the Insured is responsible for his/her decisions. L&C/Advt/2018/Feb/122
  • Buying a Life Insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premium paid.
  • This is not a contract of Insurance. The precise terms and condition of this plan are specified in the policy contract.

Tata AIA Life Insurance Company Ltd. (IRDA of India Regn. No.110) CIN No. U66010MH2000PLC128403 Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai – 400013. Trade logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. and is used by Tata AIA Life Insurance Company Ltd under a license. For any information including cancellation, claims and complaints, please contact our Insurance Advisor / Intermediary or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at customercare@tataaia.com. Visit us at: www.tataaia.com or SMS 'LIFE’ to 58888.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

IRDA of India clarifies to public that

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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 7.65 %
  • Indus Tax Saver Scheme - 5 years (upto Rs 1.5 lacs) 7 %
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