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Plan options
Plan eligibility
| Minimum | Maximum | |||
| Age9 at Entry | 30 days | 65 years | ||
| Age9 at Maturity | 18 years | 100 years | ||
| Premium Payment Term (PPT) | Option 1 | Option 2 | Option 1 | Option 2 |
| 5 years |
|
12 years | Regular/Limited Pay: 30 years | |
| Policy Term (PT) | Option 1 | Option 2 | Option 1 | Option 2 |
| 10 years |
|
24 years |
|
|
| Basic Sum Assured | Single Pay Single Life | No Limit, subject to the Board Approved Underwriting Policy (BAUP) |
||
| Death Benefit Multiple | Sum Assured | |||
| 10 |
₹50,000 |
|||
| 7 | ₹35,000 | |||
| 1.25 | ₹6,250 | |||
| Single Pay Joint Life (Death Benefit Multiple 7) | ||||
| 1st Death | 2nd Death | |||
| ₹6,250 | ₹35,000 | |||
| Regular/Limited pay | ||||
| Option 1 | Option 2 | |||
| ₹2,40,000 | ₹1,68,000 | |||
| Premium (without discount) |
|
No Limit, subject to the Board Approved Underwriting Policy (BAUP) | ||
| Premium Payment Mode | Annual/Half-yearly /Quarterly / Monthly | |||
| In a joint life policy, the age limit is applicable for both lives. 9Any reference to age is as on last birthday |
||||
| Minimum | Maximum | |
|---|---|---|
| Age9 at Entry | ||
| 30 days | 65 years | |
| Age9 at Maturity | ||
| 18 days | 100 years | |
| Premium Payment Term (PPT) | ||
| Option 1 | Option 2 | |
| 5 years |
|
|
| Option 1 | Option 2 | |
12 years |
|
|
| Policy Term (PT) | ||
| Option 1 | Option 1 | |
| 10 years |
|
|
| Option 2 | Option 2 | |
24 years |
|
|
| Basic Sum Assured | ||
Single Pay Single Life |
No Limit, subject to the Board Approved Underwriting Policy (BAUP) | |
| Death Benefit Multiple | Sum Assured | |
| 10 7 1.25 |
₹50,000 ₹35,000 ₹6,250 |
|
Single Pay Joint Life (Death Benefit Multiple 7) |
||
| 1st Death | 2nd Death | |
| ₹6,250 | ₹35,000 | |
| Regular/Limited pay | ||
| Option 1 | Option 2 | |
| ₹2,40,000 | ₹1,68,000 | |
| Premium (without discount) | ||
|
||
| Premium Payment Mode | ||
| Annual/Half-yearly /Quarterly / Monthly | ||
| In a joint life policy, the age limit is applicable for both lives. 9Any reference to age is as on last birthday |
||
Enhance your coverage with riders
Tata AIA Fortune Guarantee Supreme offers the following optional riders10
A Non-Linked, Non- Participating Individual Health rider (UIN: 110B045V03)
A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V04)
A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04 or later)
1.Why do I need a savings plan?
A savings plan can help you save your money regularly over the long term, as per the chosen policy term. When the policy matures, you can receive the maturity benefits which have been saved over the years. A savings policy can be used for different long-term goals such as a retirement fund, higher education fees, an emergency fund, etc.
2.Are maturity benefit and survival benefit the same?
No. Survival benefits are paid out during the policy term if you survive the policy term. Maturity benefits are paid out to you at the end of policy term, i.e., when the policy matures.
3.Why do I need to add riders to my policy?
Riders10 are add-on benefits that can enhance the coverage of your life insurance policy. These are optional additions that offer coverage against specific risks such as critical illnesses, accidental death, disability, hospitalisation, etc.
You can choose which riders you want to include under your policy at your discretion. For instance, a critical illness benefit can be a suitable addition if you have a family history of certain medical conditions. Additionally, if you are employed in a hazardous job, you can opt for an Accidental Death and Disability rider.
4.Can I fulfil short-term financial goals with a savings policy?
A savings policy can help you fulfil short-term goals if it pays out a survival benefit during the policy term. The survival benefit is paid out in a certain amount for a specific number of years as per the payout frequency determined by the policy guidelines. You can use the funds from the survival benefit to supplement your short-term financial goals.
1.What are the two plan options available under this policy?
The two plan options under this savings plan are:
●Option 1 – Immediate Income Option - Under this plan option, you will receive a Guaranteed2 Immediate Income (GII) in advance from 2nd year subject to payment of all due premiums. Additionally, a Guaranteed2 Income (GI) in arrears is also payable during the policy term, post completion of GII. Please refer Sales Brochure for complete details ●Option 2 – My Income Option - You receive guaranteed2 survival benefits from Income start year as chosen and a lumpsum at maturity, as chosen.
2.How does the sub-wallet4 option work?
This feature allows the policyholder to receive their survival benefits in the sub-wallet. The balance in the sub-wallet will earn a daily loyalty addition. You can withdraw from the accumulated amount, partially or completely, anytime during the policy term using My DigiAccount or by visiting our branch and the rest of the amount in the sub-wallet will continue to earn loyalty additions. It will be paid out to you at the time of termination of your policy.
3.What is the premium offset?
The premium offset feature will let you adjust your premium payable against income receivable. The timing of the benefit must match the premium payment date, and the policyholder only needs to pay balance premium.
4.What is the policy term under the Tata AIA Life Insurance Fortune Guarantee Supreme?
Under plan option 1, the minimum and maximum policy terms are 10 and 24 years, respectively. Under plan option 2, the policy terms are as follows:
Minimum:
●Single Pay – 5 years ●Regular Pay – Same as Premium Payment Term ●Limited Pay – Premium Payment Term + 1
Maximum:
●Single Pay – 60 years ●Regular Pay – Same as Premium Payment Term ●Limited Pay –60 years
1.Which riders are offered under this policy?
The various riders10 offered under this policy are –
●Tata AIA
Vitality Protect A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V04 or later version)
●Tata AIA
Vitality Health A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V03 or later version)
●Tata AIA
Non-Linked Comprehensive Protection Rider A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04 or later version)
2.How to revive the savings policy if it lapses?
If your policy lapses due to non-payment of premiums in the first year, the policy can be revived within 5 years from the date of the first unpaid premium. Due premiums and interest will have to be paid for the policy revival. In case you do not revive the policy in the given period of 5 years, the policy will be terminated. The policy will not offer any benefits during the revival period until all the due premiums have been paid.
3.What are the premium payment options available?
Under plan option 1, you can choose a minimum and maximum premium payment term (PPT) of 5 and 12 years, respectively. Under plan option 2, the minimum PPT for Single Pay is 1 year and 5 years for Regular/Limited Pay, and the maximum PPT is 30 years for Regular/Limited Pay.
1.What documents do I need to file a claim under this policy?
Please click here to know the list of documents needed for the claim intimation and settlement process.
2.Can I file a death and maturity claim under the Tata AIA Life Insurance Fortune Guarantee Supreme?
You can file a death or maturity claim under the Tata AIA Life Insurance Fortune Guarantee Supreme. In case of the policyholder’s death, the nominee will file the death claim, and then the policy will be terminated after the payout of the benefits. In the event of the policyholder’s survival until maturity, they can file a maturity claim to receive the payouts.
3.How to reach Tata AIA Life Insurance to file a claim?
To file a claim with us, choose any of the below channels to reach out to us: ●Email us at: customercare@tataaia.com ●Call our helpline number - 1860-266-9966 (local charges apply) ●Walk into any of the Tata AIA Life Insurance Company branch offices ●Write directly to us at:
The Claims Department,
Tata AIA Life Insurance Company Limited
B- Wing, 9th Floor,
I-Think Techno Campus,
Behind TCS, Pokhran Road No.2,
Close to Eastern Express Highway,
Thane (West) 400 607.
IRDA Regn. No. 110
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39 Critical Illness covered including minor stage illness