Life Insurance Plan - Tata AIG Life Hospi CashBack

Tata AIG Life Hospi CashBack
	Are you prepared to meet unexpected expenses that can arise because of hospitalisation due to any illness or even an accident? Today, with rising health care costs, Tata AIG Life Hospi CashBack policy helps protect your savings by covering all expenses related to hospitalization. Tata AIG Life Hospi CashBack is one of a kind policy that pays you fixed benefits for expenses arising through hospital charges, care charges, ambulance charges and other expenses right from Day 1 of hospitalization. Multiple Claims are also possible under the plan, with the guarantee that you will get your premiums refunded on maturity~, and also a Guaranteed Addition on your premiums if you so choose. Key features include:
	Your cover starts from day 1 of hospitalization^. Guaranteed Return of premium on maturity, irrespective of number of claims made. Pre-existing illness cover after 24 months of continuous renewal with us. Package Silver Gold Daily Hospitalisation Income Benefit Rs.500 Rs.1000 Coverage (days/policy year) 15 30 Lifetime Maximum (days) 90 180 Term of Policy 15 Premium Payment Term 15 Maturity Benefit 100% Total premiums paid OR 100% + 10% guaranteed addition of total premiums paid are returned~ Death Benefit* Higher of (a) Sum Assured# OR (b) Return of total premiums paid till the point of death~. * In case of first policy year the death benefit will be limited to total of all the premiums paid~ # Sum Assured (5 * Annualised Premium) at the policy inception will remain constant till the end of the policy term ^1 overnight stay required. ~Exclusive of Service Tax Eligibility: Policy is available for persons between 18 and 55 years of age. Tax Benefits Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961. Any sum received under this plan is exempt from tax under section 10(10D) of the Income Tax Act, 1961.*
	Want to know more? Meet an Advisor Download the Product Brochure Premium Calculator Download Application Form Disclaimer

Life Insurance Plan - Tata AIG Life Health Investor

Tata AIG Life Health Investor
	Hospital rooms. Doctor’s bills. Stress. Worry. Tears. Frustration. Life seems to be over the moment one is diagnosed with a critical illness. But, with Tata AIG Life Health Investor(Health Investor) from Tata AIG Life, life does not have to come to a standstill. Because the financial cover it offers plays a large role in contributing to your peace of mind and subsequent recovery. What’s more, if you are fortunate enough never to be diagnosed with a Critical Illness, the premiums you pay will never go to waste as they will be refunded in case there is no claim.
	Protection Against 12 Critical Illnesses: The critical illnesses covered under this policy include Benign Tumour, Paralysis, Parkinson’s Disease, Total Blindness, Cancer, Stroke, Heart Attack, Chronic Renal Failure, Coronary Bypass Surgery, Heart Valve Surgery, Aorta Surgery and recipient of major organ transplant of Heart, Lung, Liver, Kidney, Pancreas or Bone Marrow. The coverage under critical illness benefit would be available only after 180 days from the issue/reinstatement date. However, this policy will cease after one claim is made. So, invest a little in your health now and stay protected and worry-free.
	Key benefits includes: Lumpsum benefit on diagnosis of 12 critical illnesses Cover in case of unfortunate death 100% Return of Premium in case of no claim 5% increase in the Critical Illness Benefit upto a maximum of 50% of Sum Assured Limited premium payment period Level Premium
	Eligibility: Policy is available for persons between 18 and 55 years of age
	Tax Benefits Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961. Any sum received under this plan is exempt from tax under section 10(10D) of the Income Tax Act, 1961.*
Want to know more? Meet an Advisor Download the Product Brochure Premium Calculator Sample Benefit Illustration Download Application Form Disclaimer

Life Insurance Plan - Tata AIG Life Health Protector

Tata AIG Life Health Protector - 5 Year Guaranteed Renewal Accident and Health Plan
	This product is designed to protect you against most unforeseen causalities through a wide spectrum of benefits. So that you can live worry-free. Policy premium remains constant for 5 years. Key features include:
	Accidental Death Benefit (ADB): Under this benefit, in the event of your unfortunate death due to accident, your family will receive an amount equal to ADB sum assured that has been specified by you . Total and Permanent Disability Benefit (TPD): Under this benefit a lump sum amount equal to the TPD sum assured will be paid in the event of sickness and accident. Critical Illness Benefit (CI): This benefit provides you with a lump sum on diagnosis of any 1 of 12 Critical Illness or Surgeries. Cancer Care Benefit: In case you are diagnosed with cancer, the policy shall provide you with a lump sum amount. Term Life Benefit: In the unfortunate event of your death this entitles your family to the sum assured as opted by you for this benefit Cancer and CI cannot be taken together. Tax Benefits and Age Eligibility Premium paid under this policy towards Critical Illness/Cancer Care Benefit are eligible for tax benefits u/s 80D and the rest of the premium paid would be eligible for deduction u/s 80C of the Income Tax Act, 1961 respectively. Tax benefits are as per Income Tax Act, 1961, and are subject to modifications made thereto from time to time. Please consult your tax expert on the same. Anyone between ages 18 and 60 can apply for this policy.
	Want to know more? Meet an Advisor Download the Product Brochure Premium Calculator Basic Premium Information Download Application Form Disclaimer

Life Insurance Plan - Tata AIG Life Health First

Tata AIG Life Health First
	Quality healthcare is expensive; you need a policy that covers all contingencies. Tata AIG Life HealthFirst(HealthFirst) provides you with security by guaranteeing a lump sum irrespective of your medical bills. You can purchase this policy while your existing medical insurance policy is still in force and renew it until age 64 without additional medical examinations. Key features include:
	The benefits shown below are for a policy purchased for 10 units Daily Hospitalization Benefit (DHB): During hospitalization, we will pay an allowance of Rs. 2,500 per day. Surgical Benefit: A lump sum of Rs. 1,25,000 is paid for specified surgical procedures. We pay the complete amount, even if the procedures costs less. This benefit is payable only if DHB is payable. Post-hospitalization Benefit: After hospitalization, we will pay Rs. 1,250 a day for follow-up treatment (up to a maximum of 3 days). This benefit is payable only if DHB is payable. Critical Illness Cover: You get Rs. 12.50 lakhs in the case of first diagnoses of specified of the 12 critical illnesses. Death Benefit: In the unfortunate event of your death, coverage of Rs. 10,000 is provided to protect your family.This benefit is payable if no other benefit has been claimed for. Policy can be purchased from 1 to 10 units. Tax Benefits and Age Eligibility Premiums paid for Health Insurance Benefits are eligible for tax benefits under section 80D, while premiums for Life Insurance Benefits are eligible for tax benefits under section 80C of the Income Tax Act, 1961.* Policy available for persons between 18 and 60 years of age. Treatment must occur at a pre-approved hospital.
	Want to know more? Meet an Advisor Download the Product Brochure Premium Calculator Sample Benefit Illustration Basic Premium Information Download Application Form Disclaimer

Life Insurance Plan -Tata AIG Life InvestAssure Health Plus

Tata AIG Life InvestAssure Health Plus The economic consequences of ill health are devastating for most families. Surveys conducted by IMRB+ show that a single episode of hospitalization Costs a family about 60 per cent of the annual income, on average 40-60 per cent of hospitalized patients borrow heavily at high interest, and Majority of them end up lowering their standard of life on account of healthcare costs The mounting cost of hospital care, increasing out-of-pocket expenditure, and its catastrophic impact on family finances do demand a planned approach to cover these monumental expenses. Keeping this in mind, we present Tata AIG Life InvestAssure Health Plus, a unit linked health investment plan with a comprehensive health coverage to help you recover worry-free when you are ill. The investment component takes care of the rising medical costs while the health coverage ensures your peaceful recovery. Tata AIG Life Invest Assure Health Plus thus can prove to be a source of support for you and your family. +Indian Market Research Bureau Key features include: More than 700 days of Hospital Benefit Cover # No Yearly or Annual Limit on Surgical Benefit More than 900 surgeries covered Guaranteed Maturity Addition of up to 7% on Regular Premium Fund Value Optional health coverage for spouse and up to 2 dependent children Benefit inflation by 5% p.a. (simple addition) on Daily Hospital Benefit & Surgical Benefit** Choice of SMART & Automatic Asset Allocation as investment strategies Choice of 5 Riders for added protection - Tata AIG Life Surgical Benefit Rider (UIN: 110C021V01), Tata AIG Life Accidental Death Benefit (ADB) Rider (UIN: 110C003V01), Tata AIG Life Accidental Death and Dismemberment (Long Scale) (ADDL) Rider (UIN: 110C004V01), Tata AIG Life Critical Illness (Lumpsum Benefit) Rider (UIN: 110C012V01), Tata AIG Life Yearly Renewable Term Rider (UIN: 110C020V01) (including for spouse) 7 Fund Options to suit your risk profile – Whole Life Mid Cap Equity Fund, Whole Life Income Fund, Whole Life Short Term Fixed Income Fund, Whole Life Aggressive Growth Fund, Whole Life Stable Growth Fund, Large Cap Equity Fund & Super Select Equity Fund #subject to yearly and lifetime limits **Based on Daily Hospital Benefit and Surgical Benefit from second year onwards upto a maximum of 150% of the original benefit. Eligibility: Minimum/ Maximum Entry age Self & Spouse: 18 years- 55 years Child: 5 years- 17 years Maximum Maturity Age 65 years Policy Term 10 and 15 - 40 years Premium Paying Term Regular Pay Minimum Premium Rs. 18,000 p.a. Daily Hospital Benefit Limit Ranges from Rs.500 - Rs.3000 ( in multiples of 500 only) Health Benefits available with Tata AIG Life InvestAssure Health Plus:^ DHB & ICU Benefit: Benefits Sum Assured Yearly Limit Lifetime (till policy end) DailyHospitalisationBenefit (DHB) Choose from Rs.500 to maximum Rs.3000 (in multiples of Rs.500) 120 days 730 days ICU Benefit Double the DHB~ 15 days 90 days ~Includes DHB benefit Surgical Benefit: 20 times of Daily Hospital Benefit opted for individual. For spouse and children (maximum 2 children) it would be 100% & 50% respectively of basic coverage ^ Please refer to product brochure for detailed terms & conditions Tax Benefits As per the current tax rules, premiums paid in respect of morbidity are eligible for tax deduction under section 80D of the Income Tax Act, 1961 (the Act). The balance of premium is eligible to tax deduction under section 80C of the Act, provided the annual premium during the year does not exceed 20% of the sum assured. The benefits under this plan and riders are tax exempt under section 10(10)D of the Act subject to conditions. Please consult your tax consultant for exact tax details. Want to know more? Meet an Advisor Download the Product Brochure What is SMART What is AAA Premium Calculator View Premium charges, Surrender charges and other charges Rider Description & Benefits Download Application Form Disclaimer