Traditional Plans

Tata AIA Life Insurance Vital Care Pro

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!

  • Lumpsum Critical Illness cover up to Rs. 60,00,000 on diagnosis of any of 15 covered Critical Illnesses.
  • Additional monthly payouts on Critical Illness Benefit claim, which becomes payable, for a period of 10 years1.
  • Rate Guarantee throughout the policy term2
  • Flexibility to choose from following 4 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 in case of Joint Life
    • Duo Care Plus – Lumpsum Benefit with Income Loss Benefit in case of Joint Life
  • Priceless Care for affordable premiums.
  • Tax benefits u/s 80D of the Income-Tax Act, 1961

1Based on plan option chosen.
2The 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.

Product Details

Critical Illness Benefit (Lumpsum Benefit):

In case of first diagnosis of any of the covered illnesses / first performance of any of the covered surgeries (as listed below), during the term of the policy, Lumpsum benefit or Lumpsum benefit along with income benefit (as per the plan option chosen) will be paid. No benefit is payable if death of the Insured occurs before completion 30 days from first diagnosis of any of the covered illnesses / first performance of any of the covered surgeries.

Income Loss Benefit:

In case of first diagnosis of any of the covered illnesses / first performance of any of the covered surgeries (as listed) during the term of the policy, an amount equal to 1/120th of the Basic Sum Assured (rounded to nearest integer) shall be payable every month for a period of 120 months provided he/she survives for a period of at least 30 days from first diagnosis of any of the covered illnesses / first performance of any of the covered surgeries (as listed below). This payout will continue even after the death of the insured till the payout is completed for 120 months. The policy will terminate at the end of 120 months. Income Loss Benefit shall become payable every month for a period of 120 months starting from the next monthly anniversary of Lumpsum payment.

In case of death of the insured and upon receipt of the intimation, subsequent payments of Income loss benefit will be made to the nominee. The nominee can opt for any one of the following options:

  • Discounted value of the remaining payouts at discount rate of 4.00% p.a. Or
  • Remaining monthly benefit as per the schedule.

Joint Life Coverage: If this benefit is chosen–

  • Life Insured and his/her spouse, both shall be covered
  • Both lives under Joint Life option are “Insured”. In case of first diagnosis of any of the covered illnesses / first performance of any of the covered surgeries (as listed below) on any of the life, the other life ceases to be insured.
  • This will be a floater benefit with both lives having a single Sum Assured.
  • This benefit is available if chosen at policy inception only.

In case of first diagnosis of any of the covered illness / first performance of any of the covered surgeries (as listed below) for any of the Insured, Lumpsum benefit or Lumpsum benefit along with income loss benefit (as per the plan option chosen) will be paid to the Insured, provided he/she survives for a period of at least 30 days post the diagnosis/performance of such event.

  • In the event of both the insured members being diagnosed of a critical illness simultaneously, the benefit will be paid to the primary insured.
  • In the event of death of the insured member, subsequent to Income loss benefit becomes payable, the remaining payouts will be made to surviving spouse.
  • In the event of death of both the covered members, subsequent to Income loss benefit becomes payable, the remaining payouts will be made to nominee
  • The Spouse/ Nominee can opt for any one of the following options for remaining payouts
    • Discounted value of the remaining payouts at discount rate of 4.00% p.a. Or
    • Remaining monthly benefit as per the schedule.
Plan ParametersMinimumMaximum
Life Assured / Spouse age3 (Years)1865
Max Maturity age of Life Assured3 (Years)85
Minimum Premium (Rs.)3,600Based on Maximum Basic Sum Assured
Basic Sum Assured (Rs.) (Simplified issuance)5,00,00020,00,000
Basic Sum Assured (Rs.) (Fully underwritten issuance)20,01,00060,00,000
Policy Term (Years)10/15/20/25/30
Premium (Rs.)
(Premium in multiples of 1000)
For Option I: 18,000
For Option II: 36,000
No Limit subject to Board approved underwriting policy
Premium Payment ModeAnnual/ Half-yearly / Quarterly/ Monthly
Premium Payment Term (Years)Same as Policy Term
Premium Payment OptionsAnnual/ Half-Yearly/ Quarterly/ Monthly

3All reference to age is as on last birthday

  • Health Insurance cover is available under this product.
  • 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.
  • For more details on risk factors, exclusions, terms and conditions, please read sales brochure carefully before concluding a sale.
  • 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.
  • 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 benefits available to you.
  • 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.

L&C/Advt/2017/Jul/194

Beware of Spurious Phone calls and Fictitious/Fraudulent offers. IRDA of India clarifies to public that:

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

For any information including cancellation, claims and complaints, please contact our Insurance advisor 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.

Tata AIA Life Insurance Company Limited (IRDA of India Regn. No.110) CIN – U66010MH2000PLC128403

Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai – 400013

Disclaimer

DBS Bank India Limited (IRDA of India Registration Number: CA 0257) having the Registered office at GF: Nos. 11 & 12 & FF - Nos.110 to 115, Capitol Point BKS Marg, Connaught Place, Delhi - 110001 is the Composite Corporate Agent of Tata AIA Life Insurance Company Limited (IRDA of India Regn. No.110) CIN: U66010MH2000PLC128403 having the Registered office/principal place of business at 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai - 400013, Aditya Birla Sun Life Insurance Company Limited (IRDA of India Regn.No.109) CIN: U99999MH2000PLC128110 having the Registered office address at One India bulls Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013, Royal Sundaram General Insurance Company Limited (IRDA of India Regn.No.102) CIN: U67200TN2000PLC045611 having the Registered office address at No.21, Patullos Road, Chennai - 600002 and Bharti Axa General Insurance Company Ltd. having the Registered office address at First Floor Hosto Centre, No. 43, Millers Road, Vasanth Nagar, Bangalore - 560052. ISNP Registration valid.

DBS Bank India Limited does not underwrite the risk or act as an insurer. The Insurance products are offered and underwritten by respective insurance companies. The contract of insurance is between the insurer and the insured and not between the bank and the insured. Bank does not give any warranty, as to the accuracy and completeness of the policies. Bank does not accept any liability or losses attributable to your contract of Insurance. Customers are advised to take independent professional advice before participating. Insurance is a subject matter of solicitation.

For more details on risk factors, terms and conditions, exclusions, please read sales brochure of insurer and policy terms and conditions carefully before concluding a sale. Tax benefits are available as per the prevailing tax laws, which are subject to change. Participation by the Bank’s customers in the insurance products is purely on a voluntary basis.

For any information including cancellation, claims and complaints, please contact our Treasures Relationship Manager or visit DBS Bank India’s nearest branch office or Contact our 24-hour toll free customer service helpline number 1-800-209-4555 / 1-800-103-9897 or our overseas customer service number 91-44-66854555 or write to us at customercareindia@dbs.com. Visit us at: www.dbs.com/in

UIN: 110N128V02

Get In Touch

Call Us: 1800 209 4555

Get In Touch

Call Us: 1800 209 4555

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