EXCLUDED FOR FIRST TWO POLICY YEARS 1 Specific waiting period of 2 years from policy issue date or revival date for conditions/procedures mentioned below will apply for all benefits. 2 Hernia Repair 3 Corrective procedure for gall stones 4 Corrective procedure for kidney or urinary tract stones 5 Discectomy, Laminectomy 6 Hemi / Partial Thyroidectomy 7 Corrective procedure for anal fistula or anal fissure, abscess of anal and pilonidal sinus 8 Removal of uterus, fallopian tubes and/or ovaries, except for malignancy 9 Corrective procedure for female genital Prolapse, Endometriosis/ Adenomyosis, Polycystic Ovarian Disease fibroids, uterine prolapse, or dysfunctional uterine bleeding 10 Corrective procedures for Hemorrhoids 11 Cataract & Joint replacement surgeries (other than caused by accidents) 12 Hyperplasia of Prostate (BPH), Hydrocele, and spermatocele 13 Knee replacement surgery (other than caused by accidents) 14 Non-infectious Arthritis, Gout, Rheumatism, Oestoarthritis and Osteoposrosis, Prolapse of Intervertibral discs (other than caused by Accident), all Vertebrae Disorders, including but not limited to Spondylitis, Spondylosis, Spondylolisthesis 15 Varicose veins and varicose ulcers of lower extremities, This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 51
EXCLUDED FOR FIRST TWO POLICY YEARS 16 Disease of middle ear and mastoid including Otitis Media (CSOM), Cholesteatoma, Perforation of Tympanic Membrane, any other benign ear, nose and throat disorder or surgery. 17 All internal or external benign or In Situ Neoplasms/Tumours, Cyst, Sinus, Polyp, Nodules, Swelling, Mass or Lump, 18 Ulcer, Erosion and Varices of Upper Gastro Intestinal Tract, 19 Tonsils and Adenoids, Nasal Septum including deviated nasal sinus and Nasal Sinuses, sinusitis and related disorder, 20 Internal Congenital Anomaly DISCLAIMER: This material belongs to Tata AIA Life Insurance Company Ltd. Any unauthorized use, reprint or circulation is prohibited. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs, and the Surrender Value payable may be less than the total premiums paid. This product is underwritten by Tata AIA Life Insurance Company Ltd. This plan is not a guaranteed Issuance plan, and it will be subject to Company’s underwriting and acceptance. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Tata AIA Life Insurance Company Ltd. does not assume responsibil-ity on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you. Kindly refer the Sales Illustration for the exact premium. *All premiums and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/paid by the Policyholder, in addition to the payment of such premium or interest. Tata AIA Life shall have the right to claim, deduct, adjust, recover the amount of any applicable tax or imposition, levied by the Government, from the benefits payable under the Policy. Riders are not mandatory and are available for a nominal extra cost. For more details on benefits, premiums and exclusions under the Rider, please refer to the rider brochure or contact Tata AIA Life's Insurance Advisor/ branch. All examples and figures used herein are for illustrative/ understanding purposes only. This product comes under Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V02) and Tata AIA Life Insurance Linked Comprehensive Protection Rider (UIN: 110A032V02). Tata AIA Life Insurance Company Limited (IRDAI Regn. No.110) CIN: U66010MH2000PLC128403. Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai - 400013. Trade logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. and is used by Tata AIA Life Insurance Company Ltd under a license. For any information including cancellation, claims and complaints, please contact our Insurance Advisor / Intermediary or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at [email protected]. Visit us at: www.tataaia.com. BBEEWWAARREEOOFFSSPPUURRIOIOUUSS// IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of FFRRAAUUDDPPHHOONNEECCAAiLiLLLSS!! premiums. Public receiving such phone calls are requested to lodge a police complaint. This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 52
Are You READY To RIDE THE RIDERS? This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 53
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