We, at Tata AIA Life, believe in protecting your dreams at various

stages of life without compromising on your basic needs

through Fnancial resources. You do not have to think twice to

live your dreams as they now come with guaranteed payouts.

We present to you, Tata AIA Life Insurance Smart Income Plus,

a limited pay income plan that meets tomorrow's requirements

along with protecting your loved ones and dreams as it ensures

you of guaranteed returns for the money invested.

Investment in this plan helps you fulfll your medium to long

term goals such as Child’s Education/ Marriage/ Business

start-up and Retirement planning.

We do our best to take care of all our family’s needs and try our

best to ensure Fnancial security of our family from uncertainties

of life. Term plans undoubtedly are the best way of shield our

family from Fnancial crisis in case of an unfortunate event.

Presenting “Tata AIA Life Insurance Sampoorna Raksha+” a

plan that not only protects you from uncertainties of life but

also gives you return of premiums paid on survival till maturity

of the Policy.

Key Features

• Flexibility to choose Plan Option: Endowment, Regular Income or Whole Life Income

• Receive Guaranteed benets on Maturity or Death

• Guaranteed Additions that boost corpus year on year under Endowment Option

• Flexibility to cover your spouse in same policy under Whole Life Income Option

• Choice of Policy Term with limited Premium Payment Term

• Enhance your protection with optional Riders

Key Features

• Flexible PPT
• Choice of Cash Bonus
• Bonus on Birthday
• Extended Life Cover (100 Yrs)
• 0 Yrs To 65 Yrs Entry Age 
• Guaranteed Benefit
• Growth of Benefits

POLICY BENEFITS

 In-Patient Hospitalisation Benefits :

A) Room, Boarding, Nursing Expenses as given below :-

B) Surgeon, Anesthetist, Medical Practitioner, Consultants & Specialist Fees.

C) Anesthesia, Blood, Oxygen, Operation Theatre charges, cost of Pacemaker etc.

E) Cost of Medicine and drugs

F) Ambulance Charges : Emergency ambulance charges up to a sum of Rs.750/- per

hospitalisation and overall limit of Rs.1500/- per policy period.

G) Air Ambulance Cover : Up to 10% of the Basic sum insured per policy period. Available

for Sum Insured of Rs. 5 Lakhs and above only.

• Pre & Post Hospitalization
• Pre-hospitalization medical expenses incurred up to 60 days are payable.
• Post-hospitalization medical expenses incurred up to 90 days are payable.
•  Pre-existing Diseases : Covered after 48 months

Hospitalization

• Hospitalization cover protects the insured for in patient hospitalization expenses for a minimum period of 24 hrs. These expenses include room rent (Private Single A/C room), nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist fees, Cost of Medicines and Drugs.

Road Ambulance charges for emergency transportation to hospital as per specified limits.

• Air Ambulance Benefit expenses up to Rs.2,50,000/- per hospitalization, not exceeding Rs.5,00,000/- per policy period.
• Pre hospitalization expenses up to 60 days prior to admission in the hospital
• Post hospitalization expenses up to 90 days after discharge from the hospital
• Outpatient consultation (other than dental and ophthal) expenses up to limits mentioned in the table of benefits
• Coverage for Domiciliary hospitalization for a period exceeding three days.

Section 2: Delivery and New born

• Expenses incurred as in-patient for Delivery including Delivery by Caesarean section
• Treatment of the New Born
• Vaccination expenses for the new born baby are payable up to the limits mentioned in the schedule of Benefits, until the new born baby completes one year of age and is added in the policy on renewal.

Section 3: Out-patient Dental and Ophthalmic Treatment

• Dental / Ophthalmic treatments as an out-patient - once in a block of every three years.

Section 4: Organ Donor Expenses

• Expenses incurred for organ transplantation from the Donor to the Recipient Insured Person are payable provided the claim for transplantation is payable.

Section 5: Hospital Cash

• Hospital cash benefit for each completed day of hospitalization for maximum of 7 days per occurrence is payable.

Section 6: Health Check up

• Cost of Health checkup is payable after every claim free year

Section 7: Bariatric Surgery

• Expenses incurred on hospitalization for bariatric surgical procedure and its complications thereof are payable upto the limits mentioned, during the policy period.
• The maximum limit of Rs.2,50,000/- and Rs.5,00,000/- are inclusive of pre-hospitalization and post hospitalization expenses.

Section 8: Option for Second Medical Opinion

The Insured Person is given the facility of obtaining a Second Medical Opinion in electronic mode from a Doctor in the Company’s network of Medical Practitioners - Medical records can be sent to the mail id e_medicalopinion@starhealth.in

Section 9: AYUSH Treatment

Inpatient Hospitalisation expenses incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a Government Hospital or in any institute recognized by the government and/or accredited by the Quality Council of India/National Accreditation Board on Health as in patient is payable up to the limits mentioned in the Schedule of Benefits.

Section 10: Accidental Death and Permanent Total Disablement

1. Accidental Death
2. Permanent Total Disability following an accident
3. Dependent Children and persons above 70 years can be covered under Accidental Death and Permanent Total Disablement up to the sum insured of Rs.10,00,000.

Section 11: Star Wellness Program

• Discount in the Renewal premium for healthy life style through wellness activities.

Section 12: Buyback PED (Optional Cover)

• The Buyback PED waiting period will be reduced from 36 to 12 months on payment of additional premium.

Automatic Restoration of Sum Insured (Applicable for Section 1 Only)

Upon exhaustion of Basic sum insured and the Bonus, sum insured will be automatically restored by 100% once during policy period. Such restored Sum Insured can be utilized for illness /disease unrelated to the illness / diseases for which claim/s was / were already made.

Such restoration will be available for section 1 other than outpatient medical consultation.

Cumulative Bonus -maximum benefit of bonus is 100% of the basic sum insured.

Midterm inclusion of newly married / wedded spouse and New Born Baby is permissible on paying additional premium. The intimation about the marriage / new born should be given within 60 days from the date of marriage or new born

Waiting Period: The Company shall not be liable under this policy directly or indirectly for

• First 30 days for illness/disease (other than accidents)
• 24 months for specified illness/disease/treatments
• 36 months for pre-existing diseases

Pre-Acceptance Medical Screening: Only for Buyback PED (Optional Cover).

Pre-Existing Diseases/Illness: Are covered after 36 months of continuous Insurance without break. If insured opts Buyback PED then Pre-Existing Diseases covered after 12 months of continuous coverage from the inception of this policy