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Tata AIA instaProtect Plan

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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The Policybazaar Advantage
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Dedicated claim support for family FREE
Policybazaar team will help and support you at the time of claim. A personal claim handler from our team of experts will get in touch with you when your nominee applies for a claim on our website.
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We will make sure you get what is promised by the advisors. We conduct regular monitoring of our calls to make sure you get the best experience.
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The discounts will be valid for the entire policy payment term and is not available if you choose to buy the insurance through offline agents.
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In case you aren’t happy with your purchase, you can cancel your policy hassle-free at the click of a button. We will help you with the cancellation and refund of your policy.

Key Features Of Tata AIA InstaProtect Plan 

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

one crore term plan
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₹1
Crore

Life Cover

@ Starting from ₹ 16/day+

₹50
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Life Cover

@ Starting from ₹ 8/day+

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day+

Benefits of Tata AIA InstaProtect Plan 

Following are the benefits of the Tata AIA InstaProtect Plan: 

  1. 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. 

  2. 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. 

  3. 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.

  4. 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. 

  5. 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. 

  6. 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. 

  7. 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. 

  8. 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. 

  9. 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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Rider Benefits of Tata AIA InstaProtect

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.

What is Tata AIA Vitality Wellness Program?

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.

Eligibility Criteria 

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

How Does Tata AIA InstaProtect Plan Work? 

  • 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 

Documents Required to Buy 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.

FAQ's

  • Q. What is hospicare benefit in Tata AIA insta protect?

    Ans: The hospicare benefit in Tata AIA insta protect is a rider benefit that helps policyholders cover the expenses incurred at a hospital. This includes hospitalisation costs, ICU admission expenses, and more. With the Tata AIA hospicare benefit, you can peacefully recover, knowing that the hefty hospital bills won’t be leaving a dent in your bank balance.
  • Q. What is the minimum policy term for return of premium plan under Insta Protect?

    Ans: The minimum policy term allowed for return of premium option under Tata AIA instaProtect is 10 years. This means you can stay covered under the plan’s benefits for 10 years and will be receiving all the premiums paid during this term as a maturity benefit on survival.
  • Q. What is the CritiCare plus benefit available in insta protect 70 lacs package?

    Ans: The criticare benefit available in Tata AIA insta protect 70 Lacs package is Rs. 10 Lacs and covers a total of 40 critical illnesses of varying severity, including cancer and heart issues.
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Tata AIA instaProtect Plan Reviews & Ratings

4.2 / 5 (Based on 28 Reviews)
(Showing Newest 10 reviews)
Arya
Kanpur, March 10, 2021
Different companies
Last year when I bought a tata aia term plan I have found various good plans into the policybazaar website. Such a good place to plan a term plan. They helped me a lot to get the best term plan. Thanks.
Nikunj
Aranthangi, March 09, 2021
Stress-free process
I am happy that I have been a part of policybazaar and tata aia term plan. As their process is stress free and best. I really like the product which is been given by the policybazaar.
Vimal
Dwarka, January 23, 2019
Very Good
I have opened a Sampoorna Raksha+ plan with TATA AIA term insurance. I was not sure about the in-depth details of the plan and its benefits. I logged on to the Policybazaar website as I had seen many advertisements for the brand on TV. I entered my details on their website and one of their representatives contacted me. I had talked to other people too about the term insurance but the way Policybazaar executive explained the plan, was very simple and easy to understand. I was able to get all my confusions cleared beforehand and got the insurance policy opened. The documents involved were minimal and the process was also easy to follow. It took only 4 days to complete the process and I received my policy documents on my communication address as well as my email. All in all, I am really happy and satisfied with my experience with Policybazaar and Tata AIA.
Jaswant
Guwahati, October 18, 2016
Marvelous Insurance Plan
Having term insurance policy which is so beneficial and the investment is also low. Service provided is quick and on time. Online renewals are made so simple through online portal service. Policy coverage is good and claims are even better.
Yashvir
Gurgaon, September 27, 2016
TATA Term Policy
Got the tata aia term insurance policy in low budget and coverage is high as promised. Service given is very nice and staff member of the company available 24X7. Claiming is simple and renewals are done through online portals which is very good service.
Rahul
Dangar, July 27, 2016
Quality Investment
The term insurance plan i have is very perfect in all other policies. Maximum returns and many benefits. The 24X7 service of yours is the most attractive point which is very clam and nice behaviour of the staff. Renewals are simple to do through online portal service.
Vishu
Mirzapur, July 12, 2016
Term plan
My term insurance plan is an above average policy which comes in low premiums. Policy coverage is high and claims are high too. Service is fantastic and because of that the documentations become hassle free. Renewal is easy by online portal.
Lakshay
Bawal, June 30, 2016
Good
I bought a term insurance plan and the policy provide me many benefits like low premiums and returns are high. Service you gave is superb and policy coverage is good but the investment is less. My family is very happy with your services.
Nakul
Sant_kabir_nagar, April 21, 2016
slow service
The tata aia term plan has slow service issue. Policy coverage and claims are high with low investments. The executives and staff members behave well with the customers and providing nice outputs. The daily updates are mailed and texted to me regularly. It saves taxes.
Abhinav
Ooty, April 21, 2016
Nice Policy
Tata aia term policy plan is wonderful with huge benefits like low premiums and the policy coverage is high 91%. Claims are good and the payback amount is around Rs.40 L after the policy get mature. Internet services are great with easy interface and vast variety of policies are there with full descriptions. Good future investment with tax savings.
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