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Tata AIA Life Insurance SRS Vitality Protect

When it comes to improving physical and mental health and well-being while also securing the future of your family, the Tata AIA SRS Vitality Protect is a comprehensive and exclusive term insurance plan with inbuilt wellness benefits for yourself and your family members. This plan is tailor-made to suit your requirements for your healthy lifestyle choices. 

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Benefits of Tata SRS Vitality Protect

  • Life insurance cover

    This plan offers life insurance coverage for the future financial security of your family members in case of terminal illness or death.

  • Return of Premium Benefit

    The return of premium benefit allows customers to save for future inflation and retirement as the entire premium paid towards the policy is returned on survival of the policy term. The returned amount will undergo some minor deductions like GST, admin charges, stamp duty charges, and other similar charges.

  • Early Exit Benefit

    The early exit benefit allows the policyholders to exit their Tata AIA SRS Vitality Protect at a certain stage specified by the insurer. This feature is available at no extra cost and offers all the premiums paid until the termination of the policy. Similar to the ROP benefit, the premiums returned under the no cost benefit also undergo the same tax and other deductions.

  • Get Wellness Program Benefit

    This inbuilt wellness benefits program can help you earn points or rewards as per the status of your wellness, which can be tracked on the Vitality Application.

  • Guaranteed Discount at Premium in the first year

    This wellness program offers you a guaranteed 12% discount on your 1st year premium amount paid towards your plan.

  • Earn awards every year

    Receive renewal discount at premiums up to 15 percent under the Tata AIA Vitality health and Wellness Status.

  • Free Medical Check-up

    Get a free health test yearly on your life insurance plan with the inherent Tata AIA Vitality Program.

  • Cover Boosters Benefit

    After the premium payment term, the life cover can be enhanced up to 15 percent according to your wellness status

one crore term plan

Term Plans


Life Cover

@ Starting from ₹ 16/day+


Life Cover

@ Starting from ₹ 8/day+


Life Cover

@ Starting from ₹ 12/day+

How Does Tata AIA SRS Vitality Protect Work?

Let us understand this with the help of an example:

Ram, 35 years old is married and has 1 kid. He wants to purchase a term insurance plan that will take care of his dependents in case of an unforeseen demise. He finalizes Tata AIA SRS Vitality Protect Solution (Life Option). Under this, he also gets access to use wellness program of vitality and a discount on his 1st premium. 1 crore sum assured and a premium payment term of 10 years is chosen. If Ram dies, 1 crore life cover (chosen by Ram) will be paid to his nominee/beneficiary.

Eligibility Criteria of Tata SRS Vitality Protect

Plan Options Life Life Plus
Entry Age (Minimum) 18 years 18 years
Entry Age (Maximum) 65 years 65 years
Maturity (Max. age) 100 years 100 years
Premium Payment Term Single Pay
Limited Pay: 5 years to 81 years
Regular Pay
Single Pay
Limited Pay: 5,10, and 12 years
Regular Pay

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

one crore term plan

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Term Plan Starting @ ₹449/month+

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Sample Premium Illustration

Term Variant – Life Option

This table illustrates the premium rates for a non-smoker male

Age Premium Paying Term (in years) Cover till age Life cover (in Rs.) Tata AIA SRS (Sampoorna Raksha Supreme) SRS Vitality Protect 1st year (in Rs.)
30 years 5 70 years 1 Crore 56286 53472
10 31860 30267
12 28084 26680
Regular Pay 14868 14125

Term with ROP variant – Life Plus Option

Age Premium Paying Term (in years) Cover till age Life cover (in Rs.) Tata AIA SRS (Sampoorna Raksha Supreme) SRS Vitality Protect 1st year (in Rs.)
30 years 5 70 years 1 Crore 68866 65422
10 37411 35540
12 32604 30j974
Regular Pay 23095 21940

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

Why Should You Choose Tata AIA Vitality Program?

Tata AIA SRS Vitality is a wellness-based solution that helps you target and meets your fitness and health objectives to achieve mental and physical wellness altogether. With different wellness and health activities, you can get discounts on premiums and other benefits as you move towards maintaining the quality of your healthy lifestyle.

  • It helps you to work on your health and fitness

  • Get rewards for achieving targets

  • Free health checkups annually

  • Thus, resulting in improved wellness and health

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


  • What are the 2 plan options under Tata AIA SRS Vitality Protect?

    • Term variant with Life Option
    • Term with a return of premium variant with Life Plus Option
  • What riders are available under this plan?

    • Inbuilt Terminal Illness Rider
    • Accidental Death Benefit
    • Accidental Total Permanant Disability Benefit Rider
    • Critical Illness Benefit Rider
    • Hospicare Benefit
  • Does a Tata AIA SRS Vitality Protect provide whole-life coverage?

    Ans: Yes, Tata AIA SRS Vitality Protect provides whole-life coverage until 100 years
  • Is it required to pay extra premiums for the wellness programs to be active?

    Ans: No extra premiums are required to be paid for receiving the inbuilt wellness program.
  • How many claims can be filed under Tata AIA SRS Protect Solution?

    Ans: Only 1 claim can be filed by the nominee under this plan for the death benefit, including the sum assured of policy and the benefit of term booster. In the case of diagnosing a terminal illness, you can submit the documents and medical documents for the term booster payout.
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