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Tata InstaProtect is a comprehensive, innovative solution that provides financial protection to you and your family members. This term product combines the long cover benefits with critical illness, accidental death, hospitalization expenses, terminal illness, accidental total and permanent disability, and other benefits like Tata AIA’s vitality program. Let us take a quick look at the key features of Tata AIA InstaProtect before learning more about its benefits.
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Here are the Key features of Tata AIA InstaProtect Plan:
Comprehensive Protection: The Tata AIA InstaProtect offers comprehensive life cover and health protection to you and your family, with flexible packages to choose from. It covers heart conditions, hospitalization, cancer, terminal illness, critical illness, and disability
Cost-effective and economical premium rates: Each plan option come with a flexible term of premium payment and economical premiums for comprehensive benefits and coverage
Return of premium (optional): Receive the premiums paid towards keeping this Tata AIA term insurance plan active at the end of the policy term
Tax Savings Benefit: Get tax benefits as per the applicable laws of the Income Tax Act
Simplified procedure: Smooth and easy on-boarding process with no medical tests, claim settlement processes, and renewal with hassle-free online transaction modes.
Express Issuance: This option offers the claim payout option within 4 hours of registering the claim
Premium Payment Flexibility: You can select the premium payment term and policy term at your convenience.
Note: Check out the term insurance plan in India and choose one that suits your requirements.
Term Plans
Following are the benefits of the Tata AIA InstaProtect Plan:
Life Cover Benefit: Protect your family’s financial future in case of your unforeseen demise with this term life insurance. The term cover will take care of your dear one’s financial well-being and provide much-required security in your absence.
Maturity Benefit: Get a return of all the premiums paid for the entire policy term at the time of maturity, with the return of premium option of provided that all premiums were duly paid till the completion of the policy tenure.
Accidental Death Benefits: In case the policyholder suffers an accidental death during the policy term, the rider sum assured will be paid to the nominee on top of the base sum assured. In case the accidental death occurs on public transport, or any other specific circumstances covered under the plan, the nominee will receive double the rider sum assured.
Criticare Plus Benefits: Under this, you will be eligible for lump sum payout on 1st diagnosis of any of the mentioned 40 critical illnesses or undergoing any covered processes. Thus, this benefit offers comprehensive coverage against a number of illnesses such as cardiac and cancer.
Hospicare Benefit: In case of any medical emergency, if you are hospitalized, the hospicare benefit will pay for per day hospitalization advantage of 0.5% of the sum assured amount. Also, if you are admitted to ICU, then an additional 0.5 percent of the sum assured will be payable.
Accidental Total and Permanent Disability Benefit: In case of an unfortunate event such as total and permanent disability because of an accident, a lump sum amount will be paid. This amount will provide coverage for treatment expenses, income loss, etc. In this, the payout amount gets doubled if the accident occurs under some situations such as public transport, etc.
Life Cover: Protect your family’s financial future in case of your unforeseen demise with a term cover. The term cover will take care of your dear one’s financial well-being and provide much-required security in your absence.
Choose Return of Premium Option: Get ROP for respective coverage at the time of maturity, if the benefit option is in force till the completion of the policy tenure.
Tax Benefits: You can claim term insurance tax benefits as per the prevailing tax laws under sections 80C, 80D, and 10(10D) of the Income Tax Act of 1961.
Note: It is suggested to calculate the term plan premium on the term insurance calculator online tool by Policybazaar before buying the plan.
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| Benefits | Details | Sum Assured Package | ||
| 25 Lakhs | 50 Lakhs | 70 Lakhs | ||
| Criticare Plus Benefit (Lumpsum) | Get coverage against 40 critical illnesses, including heart conditions and cancer | 3 Lakhs | 5 Lakhs | 10 Lakhs |
| Hospicare Benefit (Lumpsum) | Pay for your hospitalisation and ICU admission expenses | 5 Lakhs | 10 Lakhs | 10 Lakhs |
| Accidental Total and Permanent Disability (Lumpsum) | Take care of your expenses in case of an accidental total and permanent disability | 5 Lakhs | 10 Lakhs | 15 Lakhs |
| Accidental Death Benefit (lumpsum) | Nominee receives an extra amount in case of the policyholder’s death due to an accident | 5 Lakhs | 10 Lakhs | 15 Lakhs |
| Sampoorna Raksha Supreme | Benefit amount will be paid on the diagnosis of terminal illness or death of the policyholder | 7 Lakhs | 15 Lakhs | 20 Lakhs |
**Payout accelerator benefit offers inbuilt terminal illness at 50% of the sum assured
**Here is the Terminal illness meaning – This is a kind of disease that is fatal and cannot be cured.
Tata AIA Vitality wellness program is an international scientific and comprehensive wellness program that rewards customers for improving their health by providing them with premium discounts and cover boosters. Just by enrolling in the program, you will be eligible to receive a 10% discount on the rider premium. This discount may increase or decrease based on your wellness performance over the next few policy years.
| Parameters | Minimum | Maximum | |
| Sum Assured Package | 25, 50, 70 Lakhs | ||
| Return of Premium option (ROP) | ROP, non-ROP | ||
| Entry Age | 18 years | 45 years | |
| Maturity Age | 23 years | 75 years | |
| Policy Term | ROP | 10 years | 40 years |
| Non-ROP | 5 years | 50 years | |
| Premium Payment Term | Single Pay | 1 year | |
| Limited Pay | 5 year | PT minus 1 | |
| Regular Pay | Equal to PT | ||
| Frequency of Premium Payment | Annual/Half-yearly/Quarterly/Monthly | ||
Step 1: Choose the correct sum assured package
Step 2: Choose Non-Return of Premium (ROP)/Return of Premium
Step 3: Choose Premium Payment Term/Policy Term and Payment Frequency
Step 4: You can easily and quickly buy the customized plan online through multiple digital payment modes. Proceed to pay the premium of Tata AIA InstaProtect Plan
The documents required to buy Tata AIA insta protect are as follows:
PAN Card
Aadhaar Card
Bank Statements
Salary Slips
Income Tax Receipt
Note: Know what is term insurance first and then buy a term plan for your loved ones.
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
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