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Tata AIA SRS Vitality Protect is a term solution which includes Tata AIA Life Insurance Sampoorna Raksha Supreme, a non-linked, non-participating, individual life insurance plan (UIN: 110N160V05) and Tata AIA Vitality Protect, a non-linked, non-participating, individual health rider (UIN: 110B046V02).
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This solution offers life insurance coverage with inbuilt Term Booster for securing the financial future of your loved ones in case of unfortunate demise of the life insured or any diagnosis of terminal illness.
With Tata AIA Vitality* Wellness program, you can earn rewards and get premium discount^ as per your wellness status.
The inbuilt Wellness Program rewards you with a guaranteed discount of 10%^ on your first year’s Term Booster benefit premium. Also enjoy discount of up to 10%^ on first year premiums of other riders
Get Premium Discount up to 30%^ on rider premiums 2nd year onwards as per Tata AIA Vitality wellness status.
After the premium paying term, the rider sum assured can be increased up to 30% as per your wellness status.
Avail a free health check-up annually on your life insurance solution with the inbuilt Tata AIA Vitality Wellness* Program.
Get income tax$ benefits as per applicable income tax laws
Avail Additional Benefits / Value Added Services+ up to Rs. 30,000/- per year at no additional cost
Additional Benefits/Value Added Services+ offered with Tata AIA Life SRS Vitality Protect |
||
Sr. No |
Value Added Services |
Frequency |
1 |
Medical Teleconsultation |
4 consultations per month = 48 consultations per annum |
2 |
Annual Health Check-up |
1 Health check-up per annum |
3 |
Personal Medical Case Management (PMCM) (max. 3 months of service period) |
Throughout the year |
Plan option |
Life |
Life Plus |
Minimum Entry Age |
18 |
18 |
Maximum Entry Age |
65 |
65 |
Maximum Age at maturity |
100 |
100 |
Premium payment term |
Single Pay Limited Pay: 5 to 81 Regular Pay |
Single Pay Limited Pay: 5, 10, 12 Regular Pay |
Minimum Policy Term |
10 |
10 |
Maximum Policy term |
82 |
Single Pay: 40 Limited Pay: 50 Regular Pay: 40 |
Minimum Sum Assured (Rs.) |
50 Lakh |
50 Lakh |
Maximum Sum Assured (Rs.) |
2 Crore |
2 Crore |
Age as per last birthday
What is a life insurance solution?
A life insurance solution is a combination of two or more life insurance products or riders that offer comprehensive coverage to you and your family. A life insurance solution is different from a simple life insurance policy as the features of multiple products/riders are combined to offer multiple benefits on your policy premiums, life cover, and so on.
Do I need a life insurance solution?
A life insurance solution has extensive coverage that can protect your family against life’s uncertainties and also enables you to secure your health and well-being under the same policy. You can also add optional riders# to your life insurance solution as per your needs for increased protection against accidental death, illnesses, and more.
Are riders# added to a policy free of cost?
Riders are additional benefits that with an incremental cost. You can choose the riders that you need and for the duration required, thus allowing you to enjoy customised coverage as per your needs.
What are the two plan options under the Tata AIA SRS Vitality Protect?
The Tata AIA SRS Vitality Protect offers two plan options, namely, the term variant, which is the Life Option, and the term with a return of premium variant or the Life Plus Option.
What is the minimum sum assured I can select for this term insurance solution?
You can choose a minimum sum assured of ₹50 Lakh for your term insurance solution under the Life Option or the Life Plus Option, as applicable.
Which are the riders# available under this policy?
You can choose from the following riders to cover your family against Accidental Death, Accidental Disability, Critical Illness or Hospitalization expenses:
Does the Tata AIA SRS Vitality Protect offer whole life coverage?
Yes, a whole life coverage option is available under the Tata AIA SRS Vitality Protect until 100 years of age.
What is the premium paying term for the term (Life) and return of premium (Life Plus) variants under Tata AIA SRS Vitality Protect?
Premium payment term for term (Life option) – Single Pay, Limited Pay: 5 to 81 years and Regular Pay
Premium payment term for term with return of Premium (Life Plus option) – Single Pay, Limited Pay – 5, 10 and 12 years and Regular Pay
Will I be able to receive discounts on my premiums with this term insurance solution?
Yes, since the Tata AIA SRS Vitality Protect has the inbuilt Wellness Program, a 10% guaranteed discount will be available on your 1st year’s Term Booster (Rider Benefit option) premium.
The discount 2nd year onwards will be based on your Wellness Status (tracked on Tata AIA Vitality App) and can go up to 30% of Term Booster premium. After that, at the time of policy anniversary, you can avail of other benefits on your premiums and coverage, depending on your wellness status.
Do I need to pay additional premiums for the Wellness Program to be active?
No additional premiums need to be paid for the inbuilt Wellness* Program. On enrolling into this program, you can keep up with your health and fitness goals through the Wellness Program and earn wellness points which will help boost your wellness status and reward you with benefits.
How many claims can I file under the Tata AIA SRS Vitality Protect solution?
One claim can be filed by your nominee under the Tata AIA SRS Vitality Protect solution for the death benefit, which includes the policy sum assured as well as the Term Booster benefit. In case of the diagnosis of a terminal illness, you can submit the required medical reports and documents for the Term Booster benefit payout.
Where do I file a claim with Tata AIA Life Insurance?
Please reach out through any of the given channels to file a claim with us:
To file a claim with us, choose any of the below channels to reach out to us: Email us at: customercare@tataaia.com
The Claims Department,
Tata AIA Life Insurance Company Limited
B- Wing, 9th Floor,
I-Think Techno Campus,
Behind TCS, Pokhran Road No.2,
Close to Eastern Express Highway,
Thane (West) 400 607.
IRDA Regn. No. 110
Should I file the claim at the same branch from where I purchased my policy?
Yes, you can either file the claim at the same branch where your policy was purchased, or you can take a look at the list of Tata AIA Life Insurance branches and visit the one nearest to you.
Disclaimers