Tata AIA Life Insurance • IRDA of India Regn no.

110

Customer Information Sheet/Know Your Policy

This document provides key information about your policy and will be included as part of your policy kit. You are also advised to go through your policy
document.

Sr Title Description in Simple Words Policy

No (Please refer to applicable Policy Clause Number in next column) Clause
number
01 Name of Insurance Tata AIA Maha Raksha Supreme Select (UIN: 110N171V04) Policy
Product/Rider and Schedule
Unique Identification
Number
02 Policy Number Policy
Schedule
03 Type of Insurance Pure Risk Policy
Product/ Policy Schedule
04 Basic Policy Details Instalment Premium: 15721 Policy
Mode of Premium Payment: ANNUALLY Schedule /
Sum Assured on Death: 15000000 Benefit
Sum Assured on Maturity: As per Clause 3.1 of Part C Illustration /
Premium Payment Term: 27 As per
Policy Term: 27 Clause 3.1
of Part C
05 Policy Benefits payable on death - Clause 3.1
Coverage/Benefits (II) 2 (V) of
Payable For Life Secure Part C
In case of death of the Life Insured for an in-force policy (all due premiums have
been paid), the death benefit payable to the Claimant is as outlined below: Clause 3.1
(II) Clause
Highest of: 2(I) of Part
C

1.25 x Single Premium (excluding discount) or DB multiple(1) x Annualised Clause 3.1

Premium(2) (excluding discount) (II) Clause
105% of Total Premiums Paid (excluding loading for modal premiums and 2(IV) of
discount) up to date of death or Part C
An absolute amount assured to be paid on death(3) Clause
6.7(II) of
Part F
(1)DB multiple is 7 in case of Life Secure and Step-Up Secure Option and 10 in Clause
case of Life Secure Plus and Step-Up Secure Plus option 3.1(II)(1)
(2)in aggregate for Base SA and all tranches of Additional Sum Assured
(A)of Part C
(3)The absolute amount assured to be paid on death is the Effective Sum Assured
applicable (as defined earlier) as on the date of death. Clause
3.1(II)(1)(b)
Upon payment of entire sum of the death benefit, the policy terminates and no of Part C
further benefits are payable.
Clause
Survival Benefits excluding that payable on maturity 3.1(II)(1)(c)
of Part C
Options other than Legacy Secure Plus: NA
Clause
Surrender Benefit: 3.1(II)(1)(d)
of Part C
The surrender benefit available under the product varies by the Option chosen.
The policy will terminate upon payment of this benefit. Clause
3.1(II)(1)(e)
Under Life Secure, Joint Life Secure, Step-Up Secure Option and Legacy Secure of Part C
Plus option (Post attaining the last Milestone Age), we will pay Unexpired Risk
Premium Value on surrender which shall be as mentioned in the Policy document. Clause 3.1
(II) 2 (VI)(ii)
The surrender value shall be equal to the higher of the Guaranteed Surrender of Part C
Value (GSV) and the Special Surrender Value (SSV).
Clause
Please refer to policy document for more details 3.1(VII) of
Part C
Options to policyholders for availing benefits, if any, covered under the
policy
Cover Enhancement Options

a) Life Stage:

Under Life Stage option, you can increase the coverage amount on happening of
any one of the following Life Stage events and the option to increase the Sum
Assured is exercised within 180 days of the happening/incidence of the following
event(s):
Additional Sum Assured as % of Base Sum
Event
Assured
Marriage (One Marriage 50%
Only)
Birth/Adoption of 1st Child 25%
Birth/Adoption of 2nd Child 25%
Home Loan disbursal* 100% (subject to home loan amount sanctioned)

Once chosen, the option cannot be changed over the Policy Term, but You will
always have a right to stop exercising the option in the future.

Please refer to policy document for more details.

Top-Up SA

Under Top-Up SA option, You can opt to increase the life cover by a fixed
percentage at each Policy Anniversary by paying an additional premium for every
increase, subject to satisfactory underwriting as per Underwriting Policy. You can
opt to exercise the Top-SA option at the time of purchase of the Policy, provided
the premium payment term is at least 5 years.

Once chosen, the option cannot be changed over the policy term, but You will
always have a right to stop exercising the option in the future.

Please refer to policy document for more details.

Education Secure:

Under Education Secure, You have the option to take an additional life cover to
provide for cost of higher education of up to 3 nominated children of the Life
Insured on payment of additional premiums. This option can be chosen only if
nominated child has 4 to 19 years of education left for completion of graduation
degree under Variant 1 and 4 to 22 years left for post-graduation under Variant 2.
Once chosen, the option cannot be changed over the policy term.

The sum assured at inception under Education Secure option shall be equal to
expected total cost of education of the nominated child. Every Policy Anniversary
the sum assured shall be reduced by cost of education of previous years provided
the cover has not been terminated.

No survival benefit or maturity benefit is payable under the Education Secure

option.

The Premium Payment Term under the Education Secure Benefit shall be less
than or equal to the base plan option’s Premium Payment Term. The benefit term
under the Education Secure benefit shall be less than or equal to the base plan
option’s Policy Term.

In case the Life Insured survives till expiry of the term of the Education Secure
option or till expiry of the base policy, no additional benefit is payable with respect
to Education Secure option.

Renewability option at Maturity:

At the Date of Maturity, You can choose to extend the Policy Term. This optioncan
be exercised a maximum of 5 (five) times subject to Underwriting Policy.Additional
premium shall be payable for the extended term.

Cover Continuation Option:

In case of first death of either of the Life Insureds during the Policy Term under
Joint Life Secure and Joint Life Secure Plus, the surviving life may choose to
continue his / her life cover by taking a Single Premium policy

The Single Premium policy shall be chosen from Life Secure, Life Secure Plus,
Step-Up Secure, Step-Up Secure Plus options. The Single Premium amount shall
be deducted from the death benefit payable with respect to first death.

This option has to be chosen at inception of the policy, however the surviving Life
Insured has a choice to not exercise this option at later date.

Pay Out Options

You will have the option to opt for lump sum, staggered benefit or a combination of
a lump sum amount and staggered benefit, as at the time of purchase (referred as
the “Payout Plan” henceforth).

If the payout plan chosen includes a staggered benefit, at the time of purchase of
the policy, the Policyholder would stipulate the benefit amount stream payable to
the nominee after death of the Life Insured. The staggered benefit payment
frequency can be Annual / Half Yearly / Quarterly / Monthly. Any accrued
staggered benefit, due before intimation of death, will be paid along with first
payout under this option.

Please refer to the policy document for more details

Other benefits/ options payable, specific to the policy, if any

Accidental Death

Accidental Death benefit will be payable as a lumpsum payout as per the Option
chosen by you and as detailed below: i) Lump sum payout on Accidental death of
both Life Insured simultaneously under joint life options (Joint Life Secure / Joint
Life Secure Plus) In case of simultaneous death of both the first life and second
life due to Accident for an in-force policy (all due premiums have been paid), the
amount payable in addition to the death benefit (defined above) shall be equal to
Base SA.

ii) Lump sum payout on Accidental death of the Life Insured (Step-up Secure /
Step-up Secure Plus)

In case of death of the Life Insured due to an accident, during the Step Up period,
entire Base SA shall be payable, and the Policy will terminate thereafter.

Terminal Illness
Terminal Illness payout is payable in lumpsum on the confirmed diagnosis of the
Terminal Illness as per the Option chosen by the you and as detailed below:

Life Secure
In case of confirmed diagnosis of terminal illness of the Life Insured for anin-force
policy, where all due premiums have been paid:
The amount payable under the “Payor Accelerator Benefit” shall be 50% of Base
SA and all the future premiums (base benefit option and cover enhancement
options, if opted) shall be waived off and the policy will continue to remain inforce
for the remaining applicable benefit(s).

FlexiPay Benefit:
You may opt to defer the due Premium for a period of up to 12 (twelve) months
from the due date (“Premium Deferment Period”), while maintaining the full risk
cover under the Policy and the attached riders, if any, at no additional
cost/Premium. In case of occurrence of any insured event during the said period
of 12 (twelve) months, the Sum Assured shall be paid after deducting the unpaid
Premiums, if any, as on date of the occurrence of the insured event covered under
this Policy and the attached riders (if any).

At the end of Premium Deferment Period, You are required to pay the due
Premiums, including the Premium applicable for the Premium Deferment Period,
i.e. the base cover premium and additional premium (if any). During the Premium
Deferment Period, the Policy shall remain in-force with the benefits applicable
under Grace Period of the Policy.

The Policy document lays down, in detail, the conditions specific to Premium
 Deferment.

Instant Payout on Claim Intimation:

In case of death of the Life Insured, post completion of waiting period of 3 Policy
Year from the policy inception or Revival of the Policy and provided the Policy is in
force, an accelerated instant death benefit of INR 3 Lacs from the Sum Assured
will be paid within 1 working day from the claim registration date as a gesture to
provide interim support. This payout shall be made only upon the Company being
satisfied with respect to the validity and enforceability of the documents submitted
along with the intimation of death claim.

The Policy document lays down eligibility criteria in detail.

Value-added Service Feature:

Health Management Services:
Life Insureds of TATA AIA Maha Raksha Supreme Select, who are eligible for the
Health Management Services, will be eligible to avail second opinion/personal
medical case management services/medical consultation from the service
provider/s affiliated to/registered with Us. The services are expected to assist the
Life Insured with an independent diagnosis of the medical condition, thus helping
the Life Insured to take the required steps. These services are subject to a
number of conditions which have been detailed in the Policy document.

LOYALTY PROGRAM REWARD

If You are a member of the Loyalty Program administered by a service provider
empaneled by the Company, You shall be entitled to the Loyalty Program Reward
upon the purchase of the Policy and upon meeting the eligibility criteria. The
loyalty programs offer redemption benefits through the service provider’s eco-
systems based on applicable terms and conditions. Such reward shall accrue as
percentage of the Annualized Premium or Single Premium (as applicable) and
shall be made available by the service provider to You in the form of benefits
(points, coins, etc.) in the first policy year by loyalty program service provider. The
quantum of reward shall be determined by the Company’s extant Policy and shall
be disclosed in the Company’s website from time to time.
The loyalty program rewards benefit shall be subject to a conditions which have
been detailed in the Policy document.

Lock-in period for Linked Insurance products: NA

06 Options available (in NA
case of Linked
Insurance Products)
07 Options available (in NA
case of Annuity
Products)
08 Riders opted, if any Refer rider CIS for details Rider CIS
09 Exclusions (events SUICIDE EXCLUSION Clause 4.3
where insurance Suicide provisions will be applicable as per the Option selected by Policyholder of Part D
coverage is not and detailed as mentioned below:
payable), if any Life Secure

In case of death due to suicide within 12 months:

From the date of commencement of risk under the policy or from the date of
revival of the policy, as applicable, the nominee or beneficiary of the Policyholder
shall be entitled to at least 80% of the Total Premiums Paid till the date of death or
the surrender value available as on the date of death whichever is higher,
provided the policy is in force or
From the date of exercising the Life Stage Option (if applicable), the nominee or
beneficiary of the Policyholder shall be entitled to 80% of the premiums paid
(excluding any Extra premium, any rider premium and taxes) for the increased
tranche(s). The original death benefit (based on the sum assured chosen at the
time of purchase) and any increased death benefit purchased by exercising the
Life Stage Option subsequently but prior to 12 months from the date of death (due
to suicide) will remain payable in full.

TERMINAL ILLNESS BENEFIT

No claim will be payable if the Terminal Illness arises directly or indirectly as a

result of attempt to suicide in the first year from inception or Revival of policy.
 In case a Terminal Illness claim is not payable due to the above exclusion, the
policy will continue with the applicable death cover.
10 Waiting/ lien period, if Waiting Period applicable will be as per the Option selected by Policyholder and Clause
any detailed as mentioned below: 4.3.3 of
Part D
Life Secure
If death of the Life Insured occurs during the first 90 days from the Date of
commencement of risk, we shall refund Total Premiums Paid and the policy will
terminate with immediate effect.
11 Grace Period A Grace Period of fifteen (15) days for monthly mode and thirty (30) days for all Clause 6.3
other modes, from the due date will be allowed for payment of each subsequent of Part F
premium. The Policy will remain in force during this period. If any premium
remains unpaid at the end of its Grace Period, the Policy shall lapse and have no
further value except as may be provided under the Non-Forfeiture Provisions.
In case of death of the Life Insured during the Grace Period but before the
payment of the premium then due, the policy will still be valid and the benefits
shall be paid after deductions of the said unpaid premium and also the balance
premium(s), if any, falling due from the date of death and before the next policy
anniversary.
12 Freelook Period If the policyholder is not satisfied with the terms & conditions/ features of the Clause
policy, the policyholder has the right to cancel the Policy by providing written 4.14 of Part
notice to the Company and receive a refund of all premiums paid without interest D
after deducting a) Proportionate risk premium for the period on cover (including
service tax), b) Stamp duty and medical examination costs (including service tax)
which have been incurred for issuing the Policy. Such notice must be signed by
the policyholder and received directly by the Company within 30 days after the
policyholder receives the Policy Document.
13 Lapse, paid-up and Non-Forfeiture Benefit on Premium Discontinuance: Clause 6.5
revival of the Policy and 6.7 of
If any due premium for a non-single pay policy remains unpaid at the end of the Part F
grace period, the following is the treatment under various scenarios:
Premium Paying Life Coverage Benefits Payable (if applicable)
options Before 2 After 2
years years
premium premium
paid paid
Life Regular Cover Cover No amount is payable
Secure Pay cease to cease to
exist exist
Limited Cover Cover Unexpired Risk Premium Value
Pay cease to cease to is paid out on the earlier of the
exist exist following events after which the
policy terminates:

Policyholder surrenders
voluntarily.
Death of the Life Insured
Expiry of Revival Period
Maturity

REVIVAL
If a premium is in default beyond the Grace Period and subject to the Policy not
having been surrendered, it may be reinstated/revived, within five years after the
due date of first unpaid premium and before the date of maturity, subject to: (i)
Policyholder’s written application for reinstatement/revival; (ii) production of
Insured’s current health certificate and other evidence of insurability, satisfactory
to the insurance company; and (iii) payment of all overdue premiums with interest.

Please refer to policy document for more details.

14 Policy Loan, if Not Available Clause 6.6
applicable of Part F
15 Claims/Claims Turn Around Time (TAT) for claims settlement and brief procedure :
Procedure 30 days from receiving all the documents,
90 days from the day of the claim intimation, if further investigation
required.
Brief procedure :
 i.Intimate claim to us via email/call/or at any one of the branch offices.
ii. Submit all relevant documents along with claim. Please refer to
www.tataaia.com for more details.
iii.Documents shall be verified and processed.
iv.We shall contact you in case of any queries or further information
required.
v.Claim amount shall be disbursed if claim is acceptable.
vi.For the detailed procedure, please refer to our website
www.tataaia.com.
Helpline/Call Centre number :1-860-266-9966 (local charges apply)
Contact details of the insurer :
Email - Customercare@tataaia.com Call our helpline number 1-860-266-
9966 (local charges apply)
Write directly to us on following address:
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, Maharashtra.
Link for downloading claim form and list of documents required including
bank account details
www.tataaia.com

16 Policy Servicing Turn Around Time (TAT) : Part G

For Policy Servicing TATs, please visit www.tataaia.com
Helpline/Call Centre number : 1-860-266-9966 (Call charges apply)
Contact details of the insurer :
Email - Customercare@tataaia.com Call our helpline number
1-860-266-9966 (local charges apply)
Write directly to us on following address:
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, Maharashtra.
Link for downloading claim form and list of documents required including
bank account details
www.tataaia.com

17 Grievance/Complaints Contact details of Grievance Redressal Officer of the Insurer Clause 7.2
Customers can email to GRO@tataaia.com or write to –Grievance of Part G
Redressal Officer (GRO)
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, Maharashtra.
Link for registering the grievance with the insurer’s portal The Insurer’s
portal may be accessed on
www.tataaia.com
Contact details of Ombudsman

Where the redressal is not satisfactory despite the escalations, you may represent
to the Ombudsman. For contact details, contact number and email of the relevant
Ombudsman office, kindly refer the policy document or visit the IRDA of India
website http://www.policyholder.gov.in - Ombudsman / List of Insurance
Ombudsmen or our website www.tataaia.com.
Tata AIA Life Insurance • IRDA of India Regn no. 110

Customer Information Sheet/Know Your Policy

This document provides key information about your policy and will be included as part of your policy kit. You are also advised to go through your policy
document.

Sr Title Description Policy

No (Please refer to applicable Policy Clause Number in next column) Clause
number
01 Name of Insurance Tata AIA Maha Raksha Supreme Select (UIN: 110N171V04) (A Non-Linked, Non- Policy
Product/Rider and Participating Individual Health Rider) Schedule
Unique Identification
Number
02 Policy Number Policy
Schedule
03 Type of Insurance Benefit (Where your insurance policy pays fixed amount on the occurrence of a Clause of
Product/ Policy covered event) Part C
04 Sum Insured (Basis) Benefit Option Sum Lumpsum Income Income Policy
(Along with Amount) Assured (Rs) p.a (Rs) Duration Schedule
 (Years)
Accidental Total & 200000 200000 0
Permanent Disability
(ATPD)

In case of any change in Sum Assured after submission of proposal, please refer to
your latest Benefit Illustration Document.
05 Policy Coverage(What Benefit Option Clause of
the policy covers?) Part C and
Accidental Total And Permanent Disability (ATPD): Part F

100% of the Insured Amount under this Benefit Option will be payable in the event of
the Total and Permanent Disability of the Life Insured due to an accident within the
Benefit Option Term, provided the Total and Permanent disability occurs within 180
days from the date of that accident.
The benefit shall be payable even if the Accident takes place within the Coverage
Term and the Total and Permanent Disability occurs beyond the Coverage Term,
provided the date of disability is within 180 days of the Accident.
The benefit payable will be doubled if the Disability due to accident occurs under any
of the circumstances below:

1. While the Life Insured is riding as a fare paying passenger on commercially

licensed public land transportation over an established route such as a bus,
tram or train. A taxi or any form of transport chartered for private travel is
excluded
2. While the Life Insured is in an elevator car (elevators in mines, rigs and on
construction sites excluded) duly certified to carry passengers
3. As a direct result of the burning of the following public buildings only: theatre,
cinema, public auditorium, hotel, school and hospital or
4. When the Life Insured is on a commercial passenger airline on a regular
scheduled passenger trip over its established passenger route.

This benefit is payable only once during the Coverage Term and shall terminate upon
Payment of benefit or expiry of the Coverage Term, whichever earlier.

Wellness Program and Health Management Services:

Tata AIA Vitality (if opted): Tata AIA Vitality is a science based comprehensive and
personalized Wellness Program. It rewards you with benefits at the time of opting for
the rider with Wellness Program and subsequently throughout the rider term. The
rewards may be in the form of Discount on Premium, Premium Cashback, Cover
Booster or Annual Health Cashback.
Once you enroll in this program, in order to earn wellness benefits, you need to
download and register on Vitality app, as benefits would be basis Wellness Status
achieved which shall be tracked through Vitality app.

Maturity Benefit:
If you have chosen Return of Balance Premium option at inception of the rider, on
survival till end of the Coverage Term provided the rider/benefit option is not
terminated, the Total Premiums Paid (Excluding loading for Modal Rider Premiums)
towards the respective benefit option shall be returned, after deduction of
- Any claim payout made under the respective benefit option and
- Any premium discounts availed under the Wellness Program (if opted) as premium
discounts or premium cashback,
In case the payout under Return of Premium option is triggered, the premiums
waived (if any) shall be added to the Total Premiums Paid by the Policyholder for the
calculation of the Return of Balance Premium for the respective Benefit Option.
06 Exclusions(What the Accidental Total and Permanent Disability: Clause of
policy does not cover) Part C and
This Benefit shall be not payable for any losses caused directly or indirectly, wholly Part F.
or partly, by any one of the following occurrences: Refer
Definition
and
Disablement as a result of any disease or infection. Exclusions
Disablement arising due to any condition other than disablement solely and Annexure
directly as a result of an accident.
Any pre-existing condition or disability arising out of a pre-existing diseases or
any complication arising therefrom. Wherever the proximate cause is accident
which has occurred after the rider inception date, this exclusion shall not apply.
 If the Disability has not persisted for at least 180 days and is not in the opinion
of a medical practitioner, deemed to be permanent.
Attempted suicide, attempted self-destruction or self-inflicted injury, irrespective
of mental condition.
Disablement arising from or caused due to use, abuse or a consequence or
influence of an abuse of any substance, intoxicant, drug, alcohol or
hallucinogen
Disablement arising out of or attributable to foreign invasion, act of foreign
enemies, hostilities, warlike operations (whether war be declared or not or
while performing duties in the armed forces of any country during war or at
peace time), participation in any naval, military or air-force operation, civil war,
public defense, rebellion, revolution, insurrection, military or usurped power
Disablement caused by Participation by the insured person in any flying
activity, except as a bona fide, fare-paying passenger of a recognized airline on
regular routes and on a scheduled timetable.
Insured Person whilst engaging in a speed contest or racing of any kind (other
than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving,
paragliding, hang gliding, mountain or rock climbing necessitating the use of
guides or ropes, potholing, abseiling, deep sea diving using hard helmet and
breathing apparatus, polo, snow and ice sports in so far as they involve the
training for or participation in competitions or professional sports, or involving a
naval, military or air force operation and is specifically specified in the Policy
Schedule
Working in underground mines, tunnelling or explosives, or involving electrical
installation with high tension supply, or as jockeys or circus personnel, or
engaged in Hazardous Activities
Disablement arising or resulting from the Insured Person committing any
breach of law or participating in an actual or attempted felony, riot, crime,
misdemeanor, or civil commotion with criminal intent.
Disablement arising from or caused by ionizing radiation or contamination by
radioactivity from any nuclear fuel (explosive or hazardous form) or resulting
from or from any other cause or event contributing concurrently or in any other
sequence to the loss, claim or expense from any nuclear waste from the
combustion of nuclear fuel, nuclear, chemical or biological attack.

07 Waiting period Benefit Option Waiting Period Applicable Clause of

Part C and
Accidental Total and Permanent Disability Not Applicable Part F
Waiting period is not applicable if the insured event occurs as a result of an
Accident(e.g.: Major Head Trauma due to an Accident).
08 Financial Limits of Not Applicable. Clause of
coverage Part C
09 Claims/Claims To register claim, please visit the Company through any service touch points Clause of
Procedure mentioned in Policy servicing section. Part C and
Reimbursement Claim Process: Part F

1. Get treatment in hospital/nursing home as per the norm.

2. After paying the bills Intimate the claim to Company for reimbursement of the
amount
3. Register and submit all relevant and mandatory claim documents.
4. Company verifies/scrutinizes the documents and claim submitted basis your
policy coverage and details.
5. If claim is approved, Payment is settled into customer's account.

Please note that,

1. If any queries, a query letter will be sent to you.

2. If claim is rejected/denied, a rejection letter mentioning the reason for
rejection will be sent to you.

Details:

a. Helpline number: 18602669966

b. Downloading/getting claim form for terminal illness:
https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/claim-
intimations/Critical-Illness-Claimant-Statement_English.pdf

10 Policy Servicing i. E-mail us at customercare@tataaia.com Clause of

ii. Contact your Tata AIA Life Agent / Distributor Part D and
iii. Call our helpline number 1-860-266-9966 (Call charges apply) Part G
 iv. Visit the nearest the Tata AIA Life branch or CAMS Service Center
v. Log on to Online Customer Portal by visiting www.tataaia.com
vi. Write to us on the following address:
9th Floor, B - Wing, I-Think Techno Campus,
Behind TCS (Lodha), Pokhran Road No.2,
Thane (West), Mumbai - 400 607

11 Grievances/Complaints You can register grievances through below modes: Clause of

Part G

i. Email us at life.complaints@tataaia.com
ii. Service avenues as mentioned above for Policyholder Servicing [other than
email].

Kindly address your complaints to "Grievance Redressal Department" For

escalations, (In case not satisfied with the decision or not receipt of any response),
customers can email to GRO@tataaia.com or write to - Grievance Redressal Officer
(GRO) Tata AIA Life Insurance Company Limited, 9th Floor, B - Wing, I-Think Techno
Campus, Behind TCS (Lodha), Thane (West), Mumbai - 400 607.

Insurance Ombudsman:
Where the redressal is not satisfactory despite the escalations, you may represent to
the Ombudsman. For contact details, contact number and email of the relevant
Ombudsman office, kindly refer the policy document or visit the IRDA of India
website http://www.policyholder.gov.in - Ombudsman / List of Insurance Ombudsmen
or our website www.tataaia.com.
12 Things to remember Freelook Period Clause of
Part C,
Within a free look period of 30 days from the date of receipt of the Policy whether the Part D and
policy is sourced electronically or otherwise, You can return the policy for Part F
cancellation stating the reasons for the same, if You disagree to any of the terms or
conditions of the Policy.
Within Freelook You are entitled to a refund of the premium paid without interest after
deduction of proportionate risk premium stamp duty and medical examination cost
along with applicable taxes and cesses or levies, if any.
In respect of a linked insurance product, You shall receive the non-allocated
Premium plus charges levied by cancellation of Units plus Fund Value at the date of
cancellation less the deductions mentioned above.

Fraud, Mis-statement or Suppression:

Any fraud, mis-statement or suppression of a material fact under the Policy shall be
dealt in accordance with Section 45 of the Insurance Act, 1938 as amended from
time to time.
13 Your Obligations Please disclose all pre-existing disease/s or condition/s before buying a Policy. Clause of
Non-disclosure may result in claim not being paid. Part C and
All information sought in the Proposal form is Material for issuance of the policy Part F and
and settlement of claim. Annexure
Disclosure of Material Information and any changes therein during the Policy 1/
period should be communicated to us by Annexure
Sending an email to customercare@tataaia.com from your email id A
registered with us
Submission of the Request for Change form* (filled and signed) at any
Tata AIA Life Insurance Branch or Service Centre

*Request for Change form is available on our website - www.tataaia.com

"We", "Us", "Our", "Insurer" or "Company" refers to Tata AIA Life Insurance Company Limited.

Declaration by the Policy Holder:

I have read the above and confirm having noted the details. I further confirm the below that:

a. In case of any change to the Sum Insured/ Rider after submission of the proposal, the details in the revised Benefit Illustration and Customer
Information Sheet would be applicable.
b. I have received a copy of the CIS through the download utility/ through my Salesperson.
c. I am aware that on request I can avail of the CIS in local language.

Place:
Date:

(Signature of Policyholder)