Keep yourself well-protected
Unique Reference No.: L&C/Advt/2008/Sept/1439
Tata AIG Life Insurance Company Ltd. (Reg.110),
Registered & Corporate Office : Delphi- B Wing, 2nd Floor. Orchard Avenue,
Hiranandani Business Park, Powai, Mumbai 400 076
Visit us at www.tata-aig-life.com or call toll-free on 1800-11-9966 [For MTNL/BSNL subscribers]
Insurance is the subject matter of the solicitation.
KEEP YOURSELF WELL-PROTECTED avail of this benefit 180 days after you sign up. This benefit
Life is full of surprises. But what if those surprises turn out to be will be paid after a survival period of at least 30 days following
unpleasant ones? the first diagnosis of Cancer. While this benefit ceases after
you make one claim, you will continue to receive the
Dismemberment due to an accident, a dreaded disease, loss of
remaining chosen benefits as usual provided the premium for
life… anything can happen to any one, any time. So, we need to
the same is being paid.
be careful and well-prepared at the same time. Presenting Tata
AIG Life Health Protector - designed to protect you against most Note: This benefit cannot be offered if Critical Illness Benefit has
unforeseen casualties through a wide spectrum of benefits. So been opted for.
that you can live worry-free. Not to mention, Tata AIG Life is the ACCIDENTAL DEATH BENEFIT (ADB)
first life insurance company in India to offer you a policy with
With increasing number of accidents occurring day after day, it
standalone Accident and Health benefits!
is better to be safe than sorry. So it will be prudent to be
GET PROTECTED YOUR WAY prepared for this uncertainty. Under this benefit, in case an
unfortunate accident causes your death, your family will
This policy helps you to get protected from unforeseen
receive the Sum Assured under this benefit.
eventualities. So you can design your own policy by combining
any of the benefits given below. What’s more, Tata AIG Life Health Note: You cannot take ADB more than twice the Term
Protector - pays you the entire amount that you are entitled to Life Benefit.
under these benefits, irrespective of your actual bill and in addition
to any claim that you may make under other medical policies. This
is a non- participating term insurance plan.
CRITICAL ILLNESS BENEFIT
Financial cover becomes very crucial when you are deprived of a
normal life and are unable to work. In case you are diagnosed with
a critical illness, or need surgery, this benefit provides you with a
TOTAL AND PERMANENT DISABILITY BENEFIT (TPD)
lumpsum amount post a survival period of at least 30 days
following the first diagnosis of Critical Illness. The Critical In the unfortunate event of total permanent disability due to
Illnesses covered under this policy include Benign Brain Tumour, sickness or accident, this benefit provides you with a lumpsum.
Paralysis, Parkinson's Disease, Total Blindness, Cancer, Stroke, This benefit has a waiting period of 12 months from the date of
Heart Attack, Chronic Renal Failure, Coronary Bypass Surgery, issuance of the policy, should the disability take place.
Heart Valve Surgery, Aorta Surgery and Recipient of major organ Policy will terminate upon TPD claim.
transplant of Heart, Lung, Liver, Kidney, Pancreas or Bone
Marrow. You are eligible to avail of this benefit 180 days after you TERM LIFE BENEFIT
sign up. However, Critical Illness Benefit will cease after one claim Want to add a life insurance benefit as well? In the unfortunate
is made. The remaining chosen benefits under this policy will event of your death, this Death Benefit entitles your family to
continue provided the premium for the same is paid. the full Sum Assured. So your family can continue to live in the
Note: Critical Illness Benefit cannot be offered in conjunction same house, children can continue their education…in short
with Cancer Care Benefit. they will be able to live the same kind of lifestyle.
CANCER CARE BENEFIT ELIGIBILITY
In case you are diagnosed with the most dreaded disease - Anyone between the ages of 18 and 60 years can apply for this
Cancer, this policy will provide adequate soothing. You can plan. The policy is valid for a period of five years,
during which the DEFINITIONS & EXCLUSIONS
premiums do not change. "Total and Permanent Disability (TPD)” means when as
Such premium will, a result of Covered Injury or Covered Illness, and
however, increase on commencing within 365 days from the date of accident or
renewal after five diagnosis, the assured is totally, continuously and
years. Renewal is not
permanently disabled and prevented from: (a) engaging in
guaranteed and is at the
each and every occupation or employment for
sole discretion of the
Company. compensation or profit for which he/she is reasonably
qualified by reason of his/her education, training or
BENEFIT ILLUSTRATIONS experience; (b) performing three or more Activities of
For a Healthy Male - Age 30; Occupational Class - I; Daily Living as previously defined either with or without
Premium Mode - Annual. the use of mechanical equipment, special devices or other
ACCIDENTAL BENEFIT COVER (in Rs.) aids and adaptations in use for disabled persons, if he/she
Benefit Benefit Cover Premium has no occupation at the time of Injury.
Cancer Care Benefit 1000 2 "Critical Illnesses" mean illnesses, the signs or
Accidental Death Benefit (ADB) 15,00,000 1,500
symptoms of which first commence more than 180 days
Total & Permanent Disability Benefit (TPD) 10,00,000 1,120
Term Life Benefit 15,00,000 7,470 following the Issue Date or the Commencement Date or the
Date of any Reinstatement of this Policy, whichever is the
Health Insurance Premium^ 2
latest, and shall include either the first diagnosis of any of
Life Insurance Premium^ 10,090 the following illnesses or first performance of any of the
Total Premium^ 10,092 covered surgeries stated below:
CRITICAL ILLNESS AND ACCIDENTAL BENEFIT COVERS (in Rs.) 1. Cancer
Benefit Benefit Cover Premium The first occurrence of a histologically confirmed invasive
Critical Illness Benefit 10,00,000 3,280 malignant tumour exhibiting invasion of adjacent tissues.
Accidental Death Benefit (ADB) 1,00,000 100
The following are excluded:
Total & Permanent Disability Benefit (TPD) 1,00,000 112
Term Life Benefit 1,00,000 498 (I) Tumours treated by endoscopic procedures alone;
Total Premium^ 3,990 (ii) Tumours classified as carcinoma in situ, prostate
Health Insurance Premium^ 3,280 tumors classified as T 1 (TNM classification system);
Life Insurance Premium^ 710 (iii) T 1 N 0 M 0 (TNM Classification System) papillary
Total Premium^ 3,990
carcinoma of the thyroid less than 1 cm in diameter;
CANCER AND ACCIDENTAL BENEFIT COVERS (in Rs.) (iv) Malignant melanomas other than those greater
Benefit Benefit Cover Premium than 1.5 mm in depth;
Cancer Care Benefit 15,00,000 3,210 (v) Other skin cancers;
Accidental Death Benefit (ADB) 1,00,000 100
Total & Permanent Disability Benefit (TPD) 1,000 1 (vi) Tumours that are a recurrence or metastasis of a
Term Life Benefit 1,00,000 498 tumour that first occurred prior to one eighty days
Total Premium^ 3,809 (180) days following the later of the Issue Date, the
Health Insurance Premium^ 3,210 Commencement Date or last reinstatement date;
Life Insurance Premium^ 599 (vii) Kaposi's Sarcoma, other tumours associated with
Total Premium^ 3,809
HIV infection; and
The Premiums mentioned above are exclusive of service tax.
^ Service Tax is payable on insurance premiums as per applicable laws. Tata AIG Life Insurance Company (viii) Tumours that pose no threat to life and for which no
Limited reserves the right to recover from the Policyholder, any levies and duties (including service tax), as
imposed by the Government, by premium adjustment.
treatment is required.
2. Stroke (ii) One of the following whole human organs: heart, lung,
The first occurrence of an acute neurological event caused by a liver, kidney or pancreas, as a result of irreversible end
cerebral or intracranial haemorrhage, cerebral embolism or stage failure of the relevant organ.
cerebral thrombosis where the following conditions are met: Other stem cell transplants and transplants of part of an organ
(I) There is an acute onset of objective and ongoing are excluded.
neurological signs that results in the permanent inability to 7. Aorta Surgery
perform independently at least two of the “Activities of The actual undergoing of Medically Necessary surgery for a
Daily Living”; and disease of the aorta needing excision and surgical replacement
(ii) Findings on Magnetic Resonance Imaging , Computerised of the diseased aorta with a graft. For the purpose of this
Tomography, or other reliable imaging techniques, definition aorta shall mean the thoracic and abdominal aorta but
demonstrate a lesion consistent with the acute not its branches.
haemorrhage, embolism or thrombosis.
8. Benign Brain Tumor
Brain damage due to an Accident, infection, vasculitis or A benign intracranial tumour where the following conditions are
inflammatory diseases are excluded. met:
3. Heart Attack (I) The tumour is life threatening;
The first occurrence of an acute myocardial infarction where (ii) It has caused damage to the brain; and
the following conditions are met: (iii) It has undergone surgical removal or, if inoperable, has
(I) A history of typical chest pain, caused a permanent neurological deficit.
(ii) The occurrence of typical new acute infarction changes on The following are excluded: Cysts, Granulomas, Vascular
the electrocardiograph progressing to the development of Malformations, Haematomas, Tumours of the pituitary gland or
new pathological Q waves; and spine and tumours of the acoustic nerve.
(iii) Elevation of Cardiac Troponin (T or I) to at least 3 times the
9. Heart Valve Surgery
upper limit of the normal reference range or an elevation in
CK MB to at least 200% of the upper limit of the normal The undergoing of Medically Necessary open-heart surgery to
reference range. replace or repair a heart valve as a consequence of a heart valve
defect. Balloon or catheter techniques are excluded.
4. Coronary Bypass Surgery
The actual undergoing for the first time of open chest coronary
The total and permanent loss of the use of both arms, or both
artery bypass grafting surgery to one or more coronary arteries
legs, or one arm and one leg, due to spinal cord injury or
due to disease of those arteries. Angioplasty, stent insertion,
disease, except where such injury is self-inflicted.
laser or other intra-arterial procedures are excluded.
11. Parkinson’s Disease
5. Chronic Renal Failure
The occurrence of Parkinson's Disease where there is an
Chronic irreversible failure of both kidneys requiring either associated neurological deficit that results in the permanent
permanent renal dialysis or kidney transplantation. inability to perform independently at least two of the "Activities
6. Major Organ Transplant of Daily Living".
The receipt, of a transplant of: 12. Total Blindness
(I) Human bone marrow using haematopoietic stem cells The total and permanent loss of sight in both eyes. Blindness
preceded by total bone marrow ablation, or that can be corrected by medical or surgical procedure is
Over time, advances in medical science change the manner in the World Health Organisation of that definition. (ii) Infection shall be
which diseases are diagnosed and in some cases the deemed to have occurred where blood or other relevant test(s)
seriousness of some diseases. The Company therefore indicate in the opinion of the Company either the presence of any
reserves the right to change the definitions of Critical Illnesses Human Immunodeficiency Virus or antibodies to sucha Virus; (b)
and to add or delete illnesses in order to maintain their assault or murder; (c) riot and civil commotion, industrial action or
relevance and importance. terrorist activity; (d) war, declared or undeclared, or revolution; (e)
"Physician" or "Registered Medical Practitioner" means only service in the armed forces in time of declared or undeclared war or
a person holding degrees of Bachelor of Medicine and Bachelor while under orders for warlike operations or restoration of public
of Surgery (MBBS) or equivalent degrees and is registered and order; (f ) self-destruction or any attempted self-destruction or self
legally authorised by the Medical Council of India or the relevant inflicted injury while sane or insane; (g) participation in any fight or
authority in the geographical area of his practice to render affray; (h) racing of any kind other than on foot; (i) participation in
medical or surgical services; but excluding a Physician who is scuba diving; (j) accident occurring while or because the Covered
the Covered Member himself or an agent of the Covered Member is under the influence of alcohol or any non-prescribed
Member, an insurance agent, business partner(s) or drug; (k) food poisoning or bacterial infection (except pyogenic
employer/employee of the Covered Member or a member of the infection which shall occur with and through an accidental cut or
Covered Member's immediate family. wound);
"Medically Necessary" means health services, procedures or (l) entering, exiting, operating, servicing, or being transported
materials that are determined by the Company to be: by any aerial device or conveyance except when the Covered
(I) Necessary to investigate or treat current symptoms, Member is on a commercial passenger airline on a regular
signs, injuries or medical conditions; scheduled passenger trip over its established passenger route;
(m) physical defects or abnormalities or mental infirmity
(ii) Not of a preventive or screening nature;
existing at the time of insurance application or reinstatement of
(iii) Consistent with current standards of professional medical this Policy; (n) parachuting, hang-gliding, hunting, bungee
care and of proven medical benefits; jumping, rock or mountaineering or climbing requiring the use of
(iv) Approved by all relevant regulatory authorities in India for ropes or guides; (o) ionizing radiation or contamination by
that purpose; radioactivity from any nuclear fuel or nuclear waste; (p)
(v) Unable to be reasonably rendered out of hospital (if radioactive, toxic, explosive or other dangerous properties of
admitted as an In-Patient). any nuclear equipment or any part of the equipment; (q) any
underwater or subterranean operation or activity; (r) deliberate
act(s) of the Policyholder, Nominee or Covered Member; (s)
If the covered member, whether sane or insane, commits violation or attempted violation of the law or resistance to
suicide within one year from the Issue Date or Commencement arrest; and (t) injury sustained as a result of a criminal act of the
Date or Reinstatement Date, whichever is later, our liability shall Covered Member.
be limited to the refund of premiums paid less any Indebtedness 2. IN ADDITION, this Policy shall not cover any Critical
without interest. In the case of reinstatement, such refund of Illness/Cancer or covered surgery related to or caused directly or
Premium shall be calculated from the Commencement Date. indirectly, wholly or partly, by any of the following occurrences:
1. Except for the Term Life Benefit above, no benefit shall be (a) Any illness other than the occurrence of Critical
payable under this Policy for any event caused directly or Illness/Cancer as defined herein; (b) Any Critical Illness/Cancer
indirectly, wholly or partly, by any one of the following: the signs or symptoms of which first occurred prior to 180 days
(a) where in our opinion the covered member was diagnosed following the later of the Issue Date or Commencement Date or
of Acquired Immuno Deficiency Syndrome (AIDS) or infection last Date of Reinstatement of this Policy; (c) Any congenital
by any Human Immunodeficiency Virus (HIV). For the purpose defect or abnormalities that has manifested or was diagnosed
of this Policy: (i) The definition of AIDS shall be that used by the before the Covered Member attains 17 years of age; (d) Self
World Health Organisation in 1987, or any subsequent revision by destruction or attempted self-destruction or self-inflicted
injuries while sane or insane; and (e) Performance of any payment. The policy will remain in force during the period. The
covered procedure or surgery, which is not Medically policy shall lapse and have no further value if premium is not
Necessary, or which is not performed by a Registered Medical paid within the Grace Period.
INSURANCE ACT, 1938, SECTION 45
No polic y of life insurance effec ted before the commencement
TAX BENEFITS* of this act shall after expiry of two years from the date of
Premium paid under this policy towards Critical Illness/ Cancer commencement of this act and no policy of life insurance
Care Benefit are eligible for tax benefits u/s 80D and the rest of effected after the coming into force of this act, shall after the
the premium paid would be eligible for deduction u/s 80C of the expiry of two years from the date on which it was effected, be
Income Tax Act, 1961 respectively. Tax laws are applicable as called in question by an insurer on the ground that a statement
per the Income Tax Act, 1961 and are subject to amendments made in the proposal for insurance or in any report of a medical
made therein from time to time. Please consult your tax expert officer, or referee, or friend of the insured, or in any other
on the same. document leading to the issue of the policy, was inaccurate or
false, unless the insurer shows that such statement was on a
CONVENIENT PAYMENT OPTIONS material matter or suppressed facts which it was material to
You have various convenient payment options to choose from: disclose and that it was fraudulently made by the policy-holder
Cheque, Demand Draft, Credit Card and Electronic Clearing and that the policy-holder knew at the time of making, that the
Service (ECS) for all payment modes. statement was false or that it suppressed facts, which it was
material to disclose. Provided that nothing in this section shall
15-DAY MONEY BACK GUARANTEE (FREE LOOK PERIOD) prevent the insurer from calling for proof of age at any time if he
This plan is supported by a money back guarantee. In case you is entitled to do so, and no policy shall be deemed to be called in
change your mind, simply return the policy document within 15 question merely because the terms of the policy are adjusted on
days of receipt and your premium will be refunded subject to subsequent proof that the age of the life insured was incorrectly
deduction of proportionate risk premium, medical examination stated in the proposal.
and stamp duty charges.
TATA AIG LIFE - A NEW LOOK AT LIFE
REINSTATEMENT Tata AIG Life Insurance Company Limited (Tata AIG Life) is a
joint venture company, formed by the Tata Group and American
In case your policy has lapsed, you may reinstate the same at
International Group, Inc. (AIG). Tata AIG Life combines the Tata
the absolute discretion of Tata AIG Life within five years after
Group's pre-eminent leadership position in India and AIG's
the due date of the first unpaid premium. However the Company
global presence as the world's leading international insurance
and financial services organization. The Tata Group holds 74 per
a) A written application from you for reinstatement cent stake in the insurance venture with AIG holding the
b) Current health cer tificate and other evidence of balance 26 per cent. Tata AIG Life provides insurance solutions
insurability to individuals and corporates. Tata AIG Life Insurance Company
c) Payment of all overdue premiums with interest was licensed to operate in India on February 12, 2001 and
started operations on April 1, 2001.
d) Repayment or reinstatement of any indebtedness
outstanding at the due date of the unpaid premium plus *Tax benefits are applicable as per the current tax laws and are subject to
amendments and regulatory changes.
Insurance is the subject matter of the solicitation.
This product is underwritten by Tata AIG Life Insurance Company Ltd.
GRACE PERIOD Note: Conditions apply. Please contact your Tata AIG Life Insurance Advisor or us
for full details of the benefits provided under this product.
Tata AIG Life allows a Grace Period of 31days for all modes of
This brochure should be read along with the sales benefit illustration which
payment from the due date for you to make the premium mentions about the exclusions on this policy.