Indian Insurance

Hospital rooms. Doctor?s bills. Stress. Worry. Tears. Frustration. Life seems to be over the moment one is diagnosed with a critical illness.

But, with Tata AIG Life Health Investor(Health Investor) from Tata AIG Life, life does not have to come to a standstill. Because the financial cover it offers plays a large role in contributing to your peace of mind and subsequent recovery.

What?s more, if you are fortunate enough never to be diagnosed with a Critical Illness, the premiums you pay will never go to waste as they will be refunded in case there is no claim.

Protection Against 12 Critical Illnesses:

* The critical illnesses covered under this policy include Benign Tumour, Paralysis, Parkinson?s Disease, Total Blindness, Cancer, Stroke, Heart Attack, Chronic Renal Failure, Coronary Bypass Surgery, Heart Valve Surgery, Aorta Surgery and recipient of major organ transplant of Heart, Lung, Liver, Kidney, Pancreas or Bone Marrow. The coverage under critical illness benefit would be available only after 180 days from the issue/reinstatement date. However, this policy will cease after one claim is made.

So, invest a little in your health now and stay protected and worry-free.

Key benefits includes:

* Lumpsum benefit on diagnosis of 12 critical illnesses
* Cover in case of unfortunate death
* 100% Return of Premium in case of no claim
* 5% increase in the Critical Illness Benefit upto a maximum of 50% of Sum Assured
* Limited premium payment period
* Level Premium

Eligibility:

* Policy is available for persons between 18 and 55 years of age

Tax Benefits

* Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961. Any sum received under this plan is exempt from tax under section 10(10D) of the Income Tax Act, 1961.*

Tata AIG Life InvestAssure Extra(InvestAssureExtra) is a unique, investment linked insurance plan for protection. Given a choice, most people would like to increase the earning potential of their insurance premium by deciding their own investment and risk limits. It combines the security of a life insurance policy with the opportunity to exploit the upside of market returns (subject to investment volatility) by providing an option to invest in different kinds of securities through multiple fund options like - Growth Maximiser Fund, Growth Enabler Fund, Capital Guarantee Fund and Short Term Fixed Income Fund.

What’s more, you can direct the investments by creating your own investment fund portfolio from a range of options to suit your needs and preferences.

Note: This product is only for customers of premier banks.

Key features include:

* Provides security to your family in case of your unfortunate demise.
* Gives you the flexibility to choose your funds based on your risk profile.
* Gives you Return of Premium guarantee on maturity in case you opt for Capital Guaranteed Fund**.
* Provides an in-built Payor Benefit for juvenile ages (0-17 years).
* Enables you to enjoy market-linked returns with a potential for higher growth.

**Guarantee is applicable only if all due premiums have been paid. The guarantee will not apply on premium allocated towards other funds and on top-up premiums.

Tax Benefits

* Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961. Any sum received under this plan is exempt from tax under section 10(10D) of the Income Tax Act, 1961.*

Eligibility
Term of Policy     Minimum Age at Issue     Maximum Age at Issue     Minimum Premium
15 years     30 days     45 years     Rs.12,000
20 years     30 days     45 years     Rs.12,000