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!
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.
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:
Joint Life Coverage: If this benefit is chosen–
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.
|Life Assured / Spouse age3 (Years)||18||65|
|Max Maturity age of Life Assured3 (Years)||85|
|Minimum Premium (Rs.)||3,600||Based on Maximum Basic Sum Assured|
|Basic Sum Assured (Rs.) (Simplified issuance)||5,00,000||20,00,000|
|Basic Sum Assured (Rs.) (Fully underwritten issuance)||20,01,000||60,00,000|
|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 Mode||Annual/ Half-yearly / Quarterly/ Monthly|
|Premium Payment Term (Years)||Same as Policy Term|
|Premium Payment Options||Annual/ Half-Yearly/ Quarterly/ Monthly|
3All reference to age is as on last birthday
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 email@example.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
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 firstname.lastname@example.org. Visit us at: www.dbs.com/in