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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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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: 

  1. 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. 

  2. 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. 

  3. 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. 

  4. 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 out the best term insurance plan in India and choose one that suits your requirements.


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