Tat

aAI
AMahaRakshaSupr
eme

AboutI
nsur
er:
TATA i
sajoi
ntvent
urebet
weenTATAGr
oupandAI
AGr
oupheadquar
ter
edi
ntheHong
Kong.

El
igi
bil
it
y:-
Cri
ter
ia El
igibil
it
y
Ent
ryAge ForRegul arPay–18t o70y ears 
ForLimi t
edPay5–18t o70y ears 
ForLimi t
edPay10–18-65y ears
Poli
cyTerm Mi n10t oMax( 85/100-Age)orI tVari
es
Maturi
tyAge 85y ears/Whol elif
e(100yr)
Premium Pay
mentTer
m Regul arPay/Si ngl
e/Li mited5y r
,10yr,
12y
r,
Payt i
ll60yr(Payt i
ll
60i savailabl
eonlywhen
MaturityAgei s100)
Pr
emi
um Pay
mentFr
equency Year l
y/Mont hl
y/ Quarterl
y/Halfyearl
y

I
ncomeandEducat
ion:

Al
lAges Sal
ari
ed 3Lac Gr
aduat
eandabov
e

Al
lAges Sal
ari
ed 10Lac HSC

Self
Al
lAges 4Lac Gr
aduat
eAndabov
e
Employed

Self
Al
lAges 10Lac HSC
Employed

Ri
der
s:
Acci
dentDeat
hBenef
it:Av
ail
abl
e

Acci
dentDi
sabi
li
tyBenef
it:Av
ail
abl
e

Cr
it
icalI
ll
nessRi
der:NotAv
ail
abl
e

Wai
verofPr
emi
um :NotAv
ail
abl
e
Ter
minalI
ll
ness:I
f2I
ndi
anMedi
cal
Associ
ati
on(
IMA)
cer
ti
fydoct
orsdecl
aret
hatt
he
i
nsur
edper
songoi
ngt
obedi
einnextcomi
ng180day
s/6mont
h.
So,
companywi
l
lpr
ovi
det
heSAbef
oret
hedeat
htonomi
nee/
insur
edper
son.
I
nTataTermi
nalI
ll
nesswill
becover
edafter2y
earsfr
om dat
eofpol
i
cyI
ssuance.
On
di
agnosi
soft
erminalI
ll
ness50%ofbasi
cSum assur
edispai
d.

ADDL(
Acci
dent
alDeat
handDi
smember
ment(
LongScal
e)):
Thi
sri
derhav
e4benef
it
s:

• Acci
dent
alDeat
h

• Di
smember
ment

• Acci
dent
alBur
ns

• Doubl
eBenef
it

SApay
outandAddi
ti
onalBenef
it
s
SAPay
out:
-100%Sum Assur
edondeat
h.

Addi
ti
onalBenef
it

Joi
ntLi
fe–NotAv
ail
abl
e
Spousal
Cov
er-NotAv
ail
abl
e
Chi
l
dSuppor
tBenef
it-NotAvai
l
abl
e

Bet
terHal
fBenef
it–NotAv
ail
abl
e
Li
feSt
ageBenef
it– NotAv
ail
abl
e

Ter
msandCondi
ti
ons:
Fr
eel
ookOpt
ion 30day
sfr
om t
hedaycust
omerr
ecei
vest
hepol
i
cy
document
Gr
acePer
iod 15/
30day
sfr
om t
hepr
emi
um duedat
e
 Rei
nst
atement/
Rev
ival 2Year
sfr
om t
heduedat
eoft
hef
ir
stunpai
dpr
emi
um and
Per
iod bef
oret
het
ermi
nat
iondat
eofpol
i
cy

Pl
anExcl
usi
ons:
I
ft heLi
feAssur edcommit
ssuicidewithi
noney ear:
(a)From thedateofcommencementofpol i
cy:Thepol i
cyshal
lbevoi
dandt hepoli
cy
willt
erminate.Companywil
lref
undt hepremi um (Excl
udingall
theot
herbenefi
ts&
i
nterestsunderthispol
i
cy)
.
(b)From thedateofrei
nst
atement /Revi
v alofthepolicy:TheCompanywil
lrefund
100%oft hepr emiumspai
d

Pl
anPi
tchandTal
kOf
fs
Pl
anPi
tch
MUSTPI
TCH:
St
artt
hepl
anpi
tchbyt
ell
i
ngt
heCust
omeraboutcompany
TataAIAisacompanywhoi sajoi
ntv
enturebet
weenTataGr
oupofCompani
esAnd
AIAsGroupLi
mitedwhichi
saHongkongBasedInsur
anceCompany
.Tal
ki
ngaboutt
he
cl
aim Set
tl
ementRati
ocurr
entl
yiti
s99.1%
SHOULDPI
TCH:
Al
ongwithTer
mInsurancepol
i
cycov
erCompanypr
ovi
dessomeExt
raBenef
it
saswel
l
Whichi
sknownasRiders.
Tat
aAI
Apr
ovi
des2Ri
der
s
1.Ter
minal
Ill
ness

2.Acci
dent
alDeat
handDi
smember
mentLongScal
eRi
der
(ADDL)
Thi
sri
derpr
ovi
des4benef
it
sunderaSi
ngl
eRi
der

 Acci
dent
alDeat
h

 Acci
dent
alDi
smember
ment
  Acci
dent
alBur
ns

 Doubl
eBenef
it
s

Note:-Whi
l
eexplai
ningTel
lthecust
omeraboutt
heRi
derBr
ief
ly.YoucanTellthe
customerthatTat
aAIAistheonlyCompanywhocov
ersPart
ialDisabi
li
tyaswell
.
Al
soaspert
heCur
rentTaxSect
ions
UnderSect
ion80CCust
omercanshowUpt
o1.
5lacofPol
i
cyPr
emi
um f
orTaxRebat
e
And,
UnderSect
ion10(
10D)t
heamountwhi
chnomi
neewi
l
lbeget
ti
ngwi
l
lst
ay100%Tax
fr
ee.
And,I
nthisplanCompanygiv
essuchaopti
oninwhi
chPoli
cyhol
dercant
akehi
spol
icy
forl
ongtimebutcanpayhisall
pol
icypr
emium i
nashor
tperi
odofti
mewhichi
sknown
asPremium PaymentTer
m
ForExampl
e-
I
Fa30y
ear
sol
dXper
sont
akespol
i
cywi
thPr
emi
um pay
mentt
erm Regul
ar-
Per
sonwi
l
lpay1000/
-Rspermont
hfornext40y
ear
s
Tot
alpr
emi
um pai
dwi
l
lbe4.
8lacRs(
1000*
12*
40)
ATt
hesamet
imei
fhet
akespol
i
cyi
nLi
mit
edPr
emi
um pay
mentt
erm(
li
mit
ed10y
ear
s)
Per
sonwi
l
lPay1800/
-Rspermont
hfornext10y
ear
s
Tot
alpr
emi
um pai
dwi
l
lbe2.
16l
acRs(
1800*
12*
10)
Byt
hisWayCust
omerwi
l
l-
1.Sav
eTi
me
2.Sav
eMoney
Not
e:-WeHavetakenaexampleofPPTli
mit
ed10years.Tataprov
idesot
heri
nLi
mit
ed
PPTaswel
l.Pi
tchtheopt
ionaccor
dingt
oCustomerSuitabi
l
ity
.

COULDPI
TCH:
Alongwit
hthatcompanygiv
esopti
ontopoli
cyhol
dertochoosehowmanyt i
meshe
wanttopaywhichisknownasPremium Pay
mentFrequency-
Monthl
y,Quar
ter
ly,
Hal
f
Yearl
yandYearl
y.