What Critical Illnesses Are Covered Under Tata AIA Term Insurance?

Tata AIA Term Insurance plans help secure the financial future of the family members of the policyholder by protecting them from eventualities of life. The uncertainties might vary because of income loss, critical illness, or the unforeseen death of the insured. When an individual buys the Tata AIA Term plan in India, he/she can select to extend the protection by adding a rider and paying a small amount of extra premium.

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One such rider benefit offered by TATA AIA company is a critical illness. Let us learn more about this rider here.

What is a Tata AIA Critical Illness Benefit?
What are the Critical Illnesses Covered Under Tata AIA Term Insurance?
Why Is It Important to Get Critical Illness Cover with your Tata AIA Term Plan?
Let’s Conclude!

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Life Cover

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@ Starting from ₹ 12/day⁺

What is a Tata AIA Critical Illness Benefit?

Tata AIA Critical Illness benefit is the coverage offered for life-threatening and longtime illnesses that generally needs expensive medical treatment. The critical illnesses covered could be heart diseases, cancer, renal diseases, third-degree burns, loss of limbs, liver diseases, etc. The coverage provided under this plan is a smart way to safeguard your and your family member's peace of mind. The plan generally works by providing a lump sum amount on the diagnosis of a critical illness.

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What Are the Critical Illnesses Covered Under Tata AIA Term Insurance?

Fortunately, Tata AIA term insurance is one such plan that helps you and your family members in difficult times. So, you can easily opt for a specially designed Tata AIA Term Insurance plan that covers the following critical illnesses:

List of Critical Illnesses Covered Under Tata AIA Term Insurance Plan
Alzheimer’s Disease	Apallic Syndrome
Aplastic Syndrome	Bacterial Meningitis
Benign Brain Tumor	Blindness
Chronic Recurrent Pancreatitis	Coma of specified severity
Creutzfeldt- Jacob Disease	Deafness
Encephalitis	End-stage Liver Failure
End-Stage Lung Failure	Fulminant Viral Hepatitis
Kidney Failure requires regular dialysis	Loss of independent existence
Loss of limbs	Loss of speech
Major Head Trauma	Major organ/Bone Marrow transplant
Medullary Cystic Kidney Disease	Motor Neuron Disease with Permanent Symptoms
Muscular Dystrophy	Parkinson’s Disease
Permanent Paralysis of Limbs	Poliomyelitis
Progressive Scleroderma	Severe Rheumatoid Arthritis
SLE with Renal Involvement	Third Degree Burns

Note: It is suggested to calculate the term plan premium on the term insurance calculator online tool by Policybazaar before buying the plan.

Why Is It Important to Get Critical Illness Cover with Your Tata AIA Term Plan?

Here are 4 reasons why you should consider this critical add-on coverage:

Making Up For the Income Loss

When the family’s breadwinner is diagnosed with a critical illness, the pressure on the patient and the family members is very intense. With Critical illness cover, your family does not need to worry about affording the treatment costs while taking care of the household-related expenses. This add-on acts as an income replacement, providing your family time to make things in order.
Tax Benefits On the Critical Illness Cover

When you buy a term insurance plan with a critical illness benefit, you are eligible to receive additional tax benefits. The term insurance plan is covered u/s 80C of the ITA, 1961, while the cover of critical illness is exempted u/s 80D. Then, the benefits received are exempted u/s 10(10D). So, you can opt for a double tax benefit.
Covering a Large Number of Medical Expenses

If you buy critical illness cover with your term insurance plan, the lump sum amount will help you cover your medical expenses. The lump-sum amount on diagnosis saves you and your family members from the worry of collecting funds for your treatment.
Premium Remains the Same

When you buy critical illness cover benefits with your term insurance plan, the premium amount that you pay remains the same during the whole term. So, if you are diagnosed with a critical illness during the policy term, your premium amount will not increase as this factor has already been considered during the premium calculation.

Note: Know what is term insurance first and then buy a term plan for your loved ones.

Wrapping It Up!

The additional financial security offered to you and your loved ones in the form of a critical illness benefit is priceless. In the fast-moving world, there is no such way to foresee what might happen to whom and when. However, the single thing you have control over is being prepared for all things that can go wrong. Buying a critical illness cover benefit along with your term insurance plan is the first step towards a comfortable life.

Note: Check all the best term insurance plan in India.

Note: You should also check the benefits of term life insurance if you are planning to purchase the term insurance plan.

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˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

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