Tata AIA Life Pro - Fit Solution

Tata AIA Life Pro-Fit Solution is a financial plan that combines multiple benefits. It offers financial protection for medical emergencies through hospitalization coverage and riders. You can also grow wealth for future healthcare needs through its investment component. It's a one-stop solution for managing your health and financial well-being.

Read more
Best ULIP Plans
  • Guaranteed Tax Savings

    Guaranteed Tax Savings^

    Under sec 80C & 10(10D)
  • savings

    ₹1 Crore

    Invest ₹10k Per Month*
  • Zero LTCG Tax

    Zero LTCG Tax^

    Unlike 10% in Mutual Funds
Top performing plans with High Returns*
Invest ₹10K/month & Get ₹1 Crore returns*
+91
Secure
We don’t spam
Please wait. We Are Processing..
Your personal information is secure with us
Plans available only for people of Indian origin By clicking on "View Plans" you agree to our Privacy Policy and Terms of use #For a 55 year on investment of 20Lacs
Get Updates on WhatsApp
We are rated~
rating
6.7 Crore
Registered Consumers
51
Insurance Partners
3.4 Crore
Policies Sold

Top ULIP Funds
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
1,663 Cr
Returns
26.72%
Returns
27.01%
Highest Returns
Returns
20.76%
Get Details
2,894 Cr
Returns
24.45%
Highest Returns
Returns
22.83%
Returns
18.66%
Get Details
2,337 Cr
Returns
23.41%
Highest Returns
Returns
19.4%
Returns
17.94%
Get Details
961 Cr
Returns
20.27%
Highest Returns
Returns
18.65%
Returns
17.15%
Get Details
6,464 Cr
Returns
19.12%
Highest Returns
Returns
17.41%
Returns
16.85%
Get Details
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
11,380 Cr
Returns
24.25%
Highest Returns
Returns
23.2%
Returns
21.58%
Get Details
1,340 Cr
Returns
30.17%
Highest Returns
Returns
23.17%
Returns
19.65%
Get Details
5,651 Cr
Returns
29.27%
Highest Returns
Returns
26.75%
Returns
19.47%
Get Details
4,058 Cr
Returns
26.02%
Highest Returns
Returns
19.28%
Returns
19.28%
Get Details
5,938 Cr
Returns
24.72%
Highest Returns
Returns
18.51%
Returns
18.52%
Get Details
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
241 Cr
Returns
13.58%
Returns
14.47%
Highest Returns
Returns
12.81%
Get Details
344 Cr
Returns
13.28%
Highest Returns
Returns
12.53%
Returns
12.17%
Get Details
523 Cr
Returns
10.86%
Returns
10.83%
Returns
11.04%
Highest Returns
Get Details
836 Cr
Returns
13.3%
Highest Returns
Returns
11.91%
Returns
11.02%
Get Details
21 Cr
Returns
13.59%
Highest Returns
Returns
11.77%
Returns
10.81%
Get Details
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
487 Cr
Returns
19.06%
Highest Returns
Returns
16.57%
Returns
16.12%
Get Details
243 Cr
Returns
7.25%
Returns
8.16%
Returns
9.18%
Highest Returns
Get Details
777 Cr
Returns
5.17%
Returns
7.26%
Returns
8.29%
Highest Returns
Get Details
305 Cr
Returns
5.9%
Returns
7.06%
Returns
8.07%
Highest Returns
Get Details
466 Cr
Returns
4.96%
Returns
7.46%
Returns
8.05%
Highest Returns
Get Details

What is Tata AIA Life Pro-Fit Solution Plan?

Tata AIA Life Pro-Fit Solution Plan is a comprehensive life insurance plan designed to address your financial needs in case of medical emergencies. You get the benefit of Unit-Linked Insurance Plan (ULIP) that aids in increasing your healthcare savings with returns linked to market performance, while also preparing you for unforeseen medical emergencies. It combines three different plans to offer you a well-rounded health and wealth management solution:

  • Tata AIA Smart Health: This is the core component, acting as a Unit-Linked, Non-Participating, Individual Health Insurance Plan. It provides financial coverage for hospitalization expenses arising from accidents, illnesses, or critical illnesses.

  • Tata AIA Sampoorna Health: This is a Non-Linked, Non-Participating Individual Health rider that can be attached to the core plan for additional benefits. It typically offers coverage for hospitalization expenses exceeding the limits set in the core plan.

  • TATA AIA OPD Care: This is another optional rider, a Linked, Non-Participating Individual Health rider. It can be added to the core plan to cover Out-Patient Department (OPD) expenses, including consultations, diagnostics, and medications.

What are the Features of Tata AIA Life Pro-Fit Solution Plan?

The features and benefits of Tata AIA Life Pro-Fit Solution Plan are:

  • Worldwide Treatment Cover (subject to policy terms and conditions): This plan offers flexibility in seeking medical treatment. In case of a medical emergency, you can get treatment at any hospital around the world, depending on the specific terms and conditions of your policy.

  • Market-Linked Returns: This plan functions as a Unit-Linked Insurance Plan (ULIP). A portion of your premium is invested in market-linked funds, allowing you to potentially grow your wealth over the long term. The returns are linked to the performance of the chosen investment funds. This feature helps you achieve your long-term financial goals alongside having health security.

What are the Benefits of Tata AIA Life Pro-Fit Solution Plan?

Benefits of Tata AIA Life Pro-Fit Solution Plan are:

  • Surgical Cover: The plan provides financial assistance for a variety of medical procedures. It covers 133 listed surgeries with fixed benefit payouts, and there's also coverage for any unforeseen surgeries not on the list.

  • Daycare Cover: This plan goes beyond hospitalization. It covers daycare procedures as well, including 136 listed procedures and any non-listed daycare surgeries.

  • Hospital Daily Cash: The plan offers daily cash benefits during hospitalization, helping you manage additional expenses beyond medical bills. The benefit amount varies depending on the plan option you choose, going up to Rs. 40,000 per day for hospitalization and Rs. 80,000 per day for ICU stays.

  • Disability Cover: In case of an unfortunate accident leading to total and permanent disability, the plan provides a lump-sum payout to help you manage financially.

  • Death Cover: The plan offers a death benefit to your loved ones, ensuring they are financially secure in your absence.

  • Whole of Life Cover: This plan provides coverage up to the age of 100, giving you long-term peace of mind.

  • Family Coverage: Extend the plan's benefits to your family members by including them under the same policy, ensuring their healthcare needs are also covered.

  • Critical Illness Cover: The plan offers a financial payout upon diagnosis of any of the 57 covered critical illnesses. This helps manage the financial burden associated with critical illness treatment.

  • OPD Care Cover: Get coverage for outpatient consultations, physiotherapy, medicines, diagnostics, and more, extending the plan's benefits to your family's well-being.

  • Global Coverage: Access high-quality medical care anywhere in the world if needed.

  • Overseas Treatment Booster: Receive an additional 10% of the sum assured to cover extra expenses when undergoing treatment abroad with a companion.

    Invest more and Get more with ULIP Plan Invest more and Get more with ULIP Plan
  • Cashless Claims: Enjoy a hassle-free experience with cashless claim settlements at network hospitals.

  • Click & Claim: Submit claims easily by uploading scanned reports online.

  • Monthly Income Assurance: In case of a critical illness diagnosis, receive a monthly income for 3 years to manage financial setbacks.

  • Waiver of Premium: Upon major surgery or critical illness diagnosis, your policy premiums will be waived off for the next 3 years, ensuring continued coverage.

  • Free Annual Health Checkup: Get a free annual health checkup with Tata AIA Vitality to monitor your health proactively.

  • Market-Linked Returns: Grow your health corpus through a variety of market-linked investment funds, potentially building wealth for future medical needs.

  • Tax-Free Withdrawals: Use your accumulated health corpus for future medical expenses tax-free.

  • Vitality Discounts: Enjoy discounts on premiums based on your healthy lifestyle choices through the Tata AIA Vitality program.

  • No Claim Reward: Receive additional premium discounts for claim-free years.

  • Smart Lady Benefits (For Women/Girl Child Life Assured): Get a discount on the first-year premium and an extra allocation towards the fund value.

  • Super 30 Discount: Young adults (age 30 or below) qualify for a discounted premium in the first year.

  • Transgender Discount: Receive a discount on the first-year premium.

  • Auto-Debit Discount: Benefit from additional units allocated to your fund value through auto-debit.

  • Income Tax Benefits: Take advantage of tax deductions on premiums paid, as per applicable tax laws.

  • Digital Discount: Get a discount on the first-year premium for online purchases.

  • Existing Customer Discount: Existing Tata AIA Life Insurance customers qualify for a discount on the first year.

  • Return of Mortality Charges & Premium Allocation Charges: Starting from the 11th policy year, a portion of deducted charges is added back to your fund value, boosting your returns.

  • Worksite Discount: Get a discount if your plan is purchased through workplace campaigns or similar events.

People also read: Tata AIA ULIP Plan

Claim Settlement Included Under Tata AIA Life Pro-Fit Solution Plan

Tata AIA Life Pro-Fit Solution Plan offers multiple claim settlement options to ensure you receive timely financial assistance during medical emergencies:

  • Cashless Claims: Enjoy a hassle-free experience where the insurer directly settles your medical bills with network hospitals within the policy coverage limits.

  • Reimbursement Claims: Pay for medical expenses upfront and then file a claim for reimbursement. Submit the necessary documents, and the insurer will reimburse you as per the plan's terms.

  • Death Claims: In case of the policyholder's unfortunate demise, the nominee receives a lump sum payout as per the plan's terms.

People also read: What is ULIP

Exclusions Under the Tata AIA Life Pro-Fit Solution Plan

  1. Accidental Total & Permanent Disability (ATPD):

    • Pre-existing conditions.

    • Disability not lasting for at least 180 days.

    • Self-inflicted injury, substance abuse.

    • War, aviation (except as passenger).

    • Hazardous activities (racing, rock climbing, etc.).

    • Criminal acts.

    • Nuclear, chemical, and biological incidents.

    Invest in high growth ULIP Plans Invest in high growth ULIP Plans
  2. Cancer Care:

    • Pre-existing diseases.

    • Conditions within the waiting period.

    • Self-inflicted injury, substance abuse.

    • Congenital defects.

    • Hazardous sports/activities.

    • Aviation (except as a passenger).

    • War, civil unrest.

    • Organ donor treatment.

    • Nuclear, biological, and chemical contamination.

    • Treatment outside India.

    • Non-allopathic treatment.

People also read: ULIP Calculator

FAQs

  • What is the maximum number of family members allowed to be included under the Pro-Fit plan?

    Under a single plan, you have the option to add your spouse and up to 3 children.
  • What are the income tax benefits under the Tata AIA Life Pro-Fit Solution Plan?

    Income tax benefits will be accessible according to the current income tax regulations, provided that all specified conditions are met. Please note that income tax laws may undergo changes periodically.
  • Why is health insurance with a financial component important?

    Health insurance with a financial component is crucial because medical costs are rising sharply. It helps you build a safety net to cover these expenses without draining your savings or taking on debt. This financial security allows you to focus on getting better without worrying about finances.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Please note that the quotes shown will be from our partners
*Tax benefit is subject to changes in tax laws
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

Ulip Insurer2
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
ulipInsurer_3
Average Rating
(Based on 26 Reviews)
Ulip Insurer4
Ulip Insurer1

Ulip plans articles

Recent Articles
Popular Articles
Dynamic Asset Allocation

21 May 2024

Dynamic Asset Allocation involves actively adjusting investment
Read more
ULIP Plan Riders

17 Jan 2024

ULIP or Unit Linked Insurance Plans provide rider benefits. They
Read more
ULIP Returns in 40 Years

08 Jan 2024

Estimating the ULIP returns over 40 years offers a unique
Read more
ULIP Returns in 35 Years

04 Jan 2024

A 35-year ULIP (Unit Linked Insurance Plan) emerges as an
Read more
ULIP Returns in 30 Years

03 Jan 2024

A 30-year ULIP (Unit Linked Insurance Plan) is a type of
Read more
ULIP Calculator
A ULIP Calculator is a financial tool designed to help you compare ULIP plans and estimate the maturity amount
Read more
SBI Life Smart Privilege Plan: Benefits & Features
SBI Life Smart Privilege is a unit-linked, non-participating life insurance plan offered by SBI Life Insurance
Read more
ULIP Returns in 5 Years
ULIP means Unit Linked Insurance Plan. It is a unique financial instrument that combines insurance coverage with
Read more
Tata AIA ULIP Plan Calculator
A Tata AIA ULIP Plan Calculator is a premium and returns calculation tool that helps easily and quickly compare
Read more
7 Things to Know About the Tax Benefits of ULIPs
Nowadays, Unit Linked Insurance Plans, i.e., ULIPs, have evolved as the popular income tax saving investment
Read more

Tata AIA Life Pro - Fit Solution Reviews & Ratings

4.1 / 5 (Based on 26 Reviews)
(Showing Newest 10 reviews)
Richa
Barchana, March 20, 2019
Best Plan
Finally I found a trustable policy after comparing with all different policies of different policy providers. Tata Aia Ulip Plan provides low premiums and policy coverage meet my requirements.
Mukhtaar
Gorakhpur, September 27, 2016
Big Savings
When anyone talk about insurance policy, I suggest a tata aia life insurance because it is very trust worthy company and comes from ages to ages. I purchased ulip insurance plan from them in less premiums and the returns are big. Service is fast and on time which is facilitate by the executives and members of the insurance company.
Yogesh
Ghaziabad, July 27, 2016
Trustable Insurer
My father advice me to look for and insurance policy, after long web search i got tata aig life insurance. They provide the best ulip insurance plan in less investments. The service is really very fast and the nice behaviour of the executives and staff members which i like the most.
Akshay
Jhajjar, July 12, 2016
ULIP Policy
My ulip plan is good and i buy it in low budget. Premium is also less but the returns are good. Policy coverage and claims are easy to sanctioned due to fast service facilitate by the executives and staff members. Online portal service is giving easy renewals of the plan and information and updates about the plans.
Harsh
Allahabad, June 30, 2016
Good
The service you gave is fantastic and premium is less. Policy covers maximum scenario and claims are good which easily sanctioned due to fast service given by executives. And of course the ulip insurance plan is awesome which has all these good things. And yes, the internet service is fast and easy to access.
Kunal
Delhi, May 09, 2016
Perfect Policy
I found fine policy plan at last from web services. Tata aia life insurance ulip policy plan i purchase which has low premiums and the the policy coverage is high 92%. Service is good with claiming amount at high interest. The staff facilitate good treatment and solve almost all the problems. I like the policy.
Mankaran
Nizamabad, May 09, 2016
Better Plan
I own tata aia life insurance ulip policy plan. The policy plan is good with low investments. Policy coverage is 90% and premium is nineteen thousand (quarterly) per year till policy end. Claims are high. Service you facilitate is really good with fast interface.
Vishal
Karim_nagar, May 09, 2016
Fine Policy
My tata aia ulip plan is nice but the only thing is the service is slow rather than this the policy plan is good. Like, policy coverage is ~84% and claims are high. The investments are low. The behaviour of the executives and staff members is nice. Please improve your services and web services too for better performance.
Devesh
Meerut, May 09, 2016
Totally Safe
I have ulip policy plan from tata aia life insurance. The plan works for me from last few years. Policy coverage is great ~92% with claiming amount of Rs.32 L of you sum assured payment. Service provided by you is fast with great behaviour of executives of the company. Fantastic future investment which saves taxes.
Harish
Ahmedabad, May 09, 2016
Great Policy
The tata aia ulip plan is good and the policy coverage is ~89% with low premiums. It has fantastic benefits and the claims are sum assure amount that i invested. The investment is 39 K per year with extra benefit that is it includes the inbuilt accidental death benefit. Good policy and i love it.
top

Become a Crorepati

Invest ₹10K/Month & Get ₹1 Crore returns*

Mobile +91
*T&C Applied.
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL