{"uin":"110L184V02","name":"Tata AIA Health SIP","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02","insurer":{"slug":"tata-aia-life-insurance","name":"TATA AIA Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/tata-aia-life-insurance"},"line":"life","category":"ulip","category_name":"ULIPs (unit-linked plans)","irdai_type":"ULIP","kind":"product","status":"active","approved_on":"2025-08-23","withdrawn_on":null,"summary":"Tata AIA Health SIP is a non-participating, unit-linked, individual health savings insurance plan with Wealth Secure, Goal Secure, Future Secure and Family Secure base options and Plus or Pro sub-options. It has a 5-year lock-in, a 30-day free-look period, annual, half-yearly, quarterly and monthly premium modes, and no fund switching charge.","analysis":{"state":"machine","analysed_at":"2026-10-19 23:06:20.381581+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Wealth Secure Plus","Wealth Secure Pro","Goal Secure Plus","Goal Secure Pro","Future Secure Plus","Future Secure Pro","Family Secure Plus","Family Secure Pro"],"display":"Wealth Secure, Goal Secure, Future Secure and Family Secure, each with Plus or Pro sub-option","note":"The wording names the base benefit options and Plus/Pro sub-options; the combined variant names appear as headings in the benefits section.","quote":"At inception of the policy, You have the option to choose one of the below mentioned Base Benefit Options :\ni) Base Benefit : Wealth Secure\nii) Base Benefit : Goal Secure\niii) Base Benefit : Future Secure\niv) Base Benefit : Family Secure\nUnder each Base Benefit option, You, at inception of the policy, can choose a sub-option for coverage of:\na) Sub-Option: Plus - Accidental Total and Permanent Disability (ATPD)\nb) Sub-Option: Pro - Accidental Total and Permanent Disability (ATPD) + Term and Terminal Illness (TTI)","sources":[{"clause":"Part C","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-part-c"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording refers to Policy Term and extension subject to limits, but does not state the minimum or maximum policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Death claims must be notified in writing within 90 days. The policy also says to inform the company immediately upon occurrence of death.","display":"Death: notify within 90 days; inform immediately upon death","note":"The wording also says the insurer may condone delayed death claims where the delay is proved to be beyond the claimant's control.","quote":"Notice of Claim – All cases of death must be notified, within a period of 90 days, to us in writing. ... Please inform the company immediately upon occurrence of death.","sources":[{"clause":"3.21.1","heading":"Death Claim Requirements","page":31,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-3-21-1"},{"clause":"3.23","heading":"Claims Intimation Process","page":34,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-3-23"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The wording mentions processing claims within the extant regulatory timeline but does not print a specific claim settlement or payment time.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"Register grievances with Tata AIA Life through its helpline, complaints email, online policy account, branches/CAMS service centers, agent/distributor, or by writing to the Customer Service Department. If not satisfied or no response within the stated timeline, escalate to the Grievance Redressal Officer before approaching IRDAI or the Insurance Ombudsman.","display":"Complain to Tata AIA Life first; escalate to GRO if unresolved","note":null,"quote":"Customers can register their grievances through multiple service avenues:\n• Call our helpline number 1-860-266- 9966 (Call charges apply)\n• Email us at life.complaints@tataaia.com\n• Login to online Policy account on www.tataaia.com ... • Visit any of the nearest Tata AIA Life branches or CAMS Service Centers\n• Contact Your Tata AIA Life Agent / Distributor\n• Write to us on the following address:\nCustomer Service Department Tata AIA Life Insurance Company Ltd., 9th Floor, B - Wing, I-Think Techno Campus, Behind TCS (Lodha), Pokhran Road No. 2, Thane (West), Mumbai – 400 607 ... In case the customer is not satisfied with the resolution provided by the Company, or has not received any response within the stipulated timelines, he, may write to the following official for resolution:\nLevel of Escalation: Grievance Redressal Officer (GRO)","sources":[{"clause":"7.2","heading":"GRIEVANCE REDRESSAL PROCEDURE","page":76,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-7-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"Basic Sum Assured is set as Sum Assured Multiple X Annualised Premium/Single Premium. The wording defines Sum Assured on Death as the guaranteed amount payable on death, but does not state minimum or maximum basic sum assured figures.","display":"Basic Sum Assured = Sum Assured Multiple X Annualised Premium/Single Premium","note":"The actual sum assured multiple or minimum/maximum amounts are not printed in the provided wording.","quote":"“Basic Sum Assured” refers to the lumpsum amount of benefit payable on occurrence of covered contingency and is defined as Sum\nAssured | Multiple | X | Annualised\nPremium/Single Premium. ... “Sum Assured on Death” means an absolute amount of benefit which is guaranteed to become payable on death of the life assured in accordance with the terms and conditions of the Policy.","sources":[{"clause":"4","heading":"When the Insured is on a commercial","page":2,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-4"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"For Plus variants where death benefit applies, death during the policy term while in force pays the higher of the Regular/Single Premium Fund Value or 105 percent of total Regular/Single Premiums received up to death less partial withdrawals made in the two-year period immediately preceding death, plus Top-Up Premium Fund Value if any. For Pro variants, the death benefit is stated as not applicable, while the Pro insured event includes death or terminal illness under the Term and Terminal Illness benefit.","display":"Plus variants: higher of fund value or 105% of premiums less recent partial withdrawals, plus Top-Up Premium Fund Value if any; Pro variants: death benefit not applicable, death covered under TTI insured event","note":"The benefit wording differs by base option and Plus/Pro sub-option; Goal Secure, Future Secure and Family Secure Plus variants use the same general 105%/fund-value structure with option-specific continuation or income conditions.","quote":"On the death of the primary Life Insured (prior to the occurrence of the Insured Event) during the Policy Term, provided the Policy is in force, a lumpsum amount, which is highest of the below, shall be payable:\ni) Regular / Single Premium Fund Value or\nii) 105 percent of the total Regular / Single Premiums received up to the date of death Less partial withdrawals made during the twoyear period immediately preceding the death of the life assured Plus\nTop-Up Premium Fund Value of this Policy is also payable provided the Policyholder has a Top-Up Premium Fund Value. ... a) Death Benefit Not Applicable ... “Term and Terminal Illness” (TTI) shall be event of diagnosis of Terminal Illness or death (whichever happens first) of the primary Life Assured on which the Insured Amount shall be payable in the form of a lumpsum amount.","sources":[{"clause":"4","heading":"When the Insured is on a commercial","page":2,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-4"},{"clause":"3.1(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-3-1-a"},{"clause":"3.1(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-3-1-a-2"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"At the end of the policy term, if the policy is in force and the primary life insured is alive where required, the maturity benefit is the Total Fund Value, namely the sum of Single/Regular Premium Fund Value and Top-Up Premium Fund Value valued at the applicable NAV on the date of maturity.","display":"Total Fund Value at maturity","note":"Future Secure and Family Secure also allow maturity when the insured event has been triggered during the policy term, subject to their stated conditions.","quote":"At the end of the Policy Term, provided the primary Life Insured is alive and in-force as on the date of maturity, a lumpsum benefit shall be payable, equal to Total Fund value i.e., sum of Single/Regular Premium Fund Value and Top-Up Premium Fund Value valued at applicable NAV on the date of Maturity.\nThe Policy shall terminate after payment of maturity benefit.","sources":[{"clause":"3.1(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-3-1-b"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"not-stated","value":null,"display":null,"note":"The wording refers to Premium Payment Term and says it cannot be changed except in specified circumstances, but it does not print the available premium paying terms.","quote":null,"sources":[],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-stated","value":null,"display":null,"note":"The wording refers to extension subject to maximum maturity age, but the maximum maturity age figure is not printed.","quote":null,"sources":[],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death is due to suicide within 12 months from policy commencement or revival, the nominee or beneficiary is entitled to the total Fund value available on the date of intimation of death. Charges other than Fund Management Charges recovered after the date of death are added back to that fund value.","display":"Within 12 months: total Fund value on date of death intimation, with non-FMC charges added back","note":null,"quote":"In case of death due to suicide within 12 months from the Date of Commencement of the Policy or Date of Revival of the Policy, Your nominee or beneficiary shall be entitled to total Fund value, as available on the date of intimation of death.\nAny charges, other than Fund Management Charges (FMC), recovered subsequent to the date of death shall be added back to the Fund Value available on the date of intimation of death.","sources":[{"clause":"6.2.1","heading":"SUICIDE","page":74,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-6-2-1"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policy can be completely withdrawn or surrendered anytime during the policy term. Within the lock-in period, proceeds of the discontinued policy are payable at the end of the lock-in period or date of complete withdrawal, whichever is later, and after the lock-in period the Total Fund Value including Top-Up Fund Value, if applicable, is paid.","display":"Surrender anytime; within lock-in proceeds paid after lock-in, after lock-in Total Fund Value is paid","note":"Discontinuance charges and discontinued policy fund rules apply during the lock-in period.","quote":"You can completely withdraw/surrender Your policy anytime during the Policy Term by intimating the Company. If You request for Complete Withdrawal/surrender from the Policy:\n• Within the lock-in period:\nOn complete withdrawal of the Policy, Proceeds of the Discontinued Policy shall be payable at the end of Lock-in-period or date of Complete Withdrawal, whichever is later. ... • After the Lock-in Period:\nThe Total Fund Value (including Top- Up Fund Value, if applicable) as on\nthe date | of | complete\nwithdrawal/surrender shall be paid to the Policyholder.","sources":[{"clause":"3.3","heading":"Complete Withdrawal of the Policy","page":24,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-3-3"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"If premiums are discontinued after five years, the policy is converted into a Reduced Paid-Up Policy. Reduced paid-up sums are calculated as the original sum assured multiplied by t/n, where t is total premiums paid and n is total premiums payable during the premium payment term.","display":"After five years, non-payment converts to Reduced Paid-Up; reduced sum assured = original sum assured × t/n","note":"The policy says rider cover ceases and charges continue; mortality/morbidity charges are deducted based on the reduced paid-up sum assured.","quote":"Upon expiry of the Grace Period, in case of Discontinuance of Policy due to non-payment of Premium after Lock-in-period, the Policy shall be converted into a Reduced Paid-Up Policy. ... • Reduced Paid Up Basic Sum Assured = Basic Sum Assured * (t/n),\n• Reduced Paid Up Sum Assured on Death = Sum Assured on Death * (t/n), ... Where t = Total number of Premiums Paid n = Total number of Premiums payable during the entire Premium Payment Term","sources":[{"clause":"4.1(b)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-4-1-b"},{"clause":"4.3(b)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-4-3-b-4"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A discontinued or lapsed policy can be revived within the Revival Period of three consecutive complete years from the date of first unpaid premium, subject to written application, evidence of insurability and payment of overdue premiums.","display":"3 years from the date of first unpaid premium","note":null,"quote":"“Revival Period” means the period of three consecutive complete years from the date of first unpaid premium. ... If the Premium remains unpaid at the end of the Grace Period and the Policy has not been completely withdrawn (as per Clause 4.1 Part D (“Discontinuance of Premium provision”) Tit can be revived in line with the Company’s policy, within the Revival Period subject to (i) Your written application for revival; (ii) production of Insured’s current health certificate and other evidence of insurability satisfactory to Us; (iii) payment of all overdue Premiums without any interest or fee.","sources":[{"clause":"4","heading":"When the Insured is on a commercial","page":2,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-4"},{"clause":"4.3(a)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-4-3-a-5"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"not-stated","value":null,"display":null,"note":"The product wording does not state whether the policyholder can take a loan against this policy.","quote":null,"sources":[],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["Waiver of Premium Rider","Waiver of Premium Plus Rider","Accidental Death and Dismemberment Rider","premium-paying riders"],"display":"Waiver of Premium Rider, Waiver of Premium Plus Rider, Accidental Death and Dismemberment Rider, and other premium-paying riders subject to rider terms","note":"Rider attachment is subject to underwriting and rider product limits.","quote":"The premium-paying riders can be attached subject to the rider premium payment term and the policy term shall not be more than the outstanding premium payment term and outstanding policy term for the base plan.\nThe unit-deducting riders can be attached subject to the following:\n• The policy term of Waiver of Premium Rider and Waiver of Premium Plus Rider should not be more than the outstanding premium paying term of the base policy\n• The policy term of Accidental Death and Dismemberment Rider should not be more than the outstanding policy term of the base policy.","sources":[{"clause":"2","heading":"PART B","page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-2"}],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after 3 years from the later of policy issuance, commencement of risk, revival or rider date. Within 3 years, it may be questioned for fraud or for material misstatement/suppression, with written communication of grounds and materials.","display":"Cannot be questioned after 3 years; within 3 years only on stated grounds such as fraud or material misstatement","note":null,"quote":"No Policy of Life Insurance shall be called\nin question on any ground whatsoever after expiry of 3 yrs from\na) the date of issuance of policy or\nb) the date of commencement of risk or\nc) the date of revival of policy or\nd) the date of rider to the policy\nwhichever is later. ... On the ground of fraud, a policy of Life\nInsurance may be called in question within 3 years from ... Life insurance Policy can be called in\nquestion within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the Life Assured was incorrectly made","sources":[{"clause":"01","heading":"No Policy of Life Insurance shall be called","page":84,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-01-3"},{"clause":"02","heading":"On the ground of fraud, a policy of Life","page":84,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-02-3"},{"clause":"06","heading":"Life insurance Policy can be called in","page":85,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-06-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"Income tax benefits are available as per prevailing tax laws subject to fulfilment of conditions. Tax laws are subject to change and the policyholder is asked to consult their own tax consultant.","display":"Income tax benefits as per prevailing tax laws, subject to conditions","note":null,"quote":"Income tax benefits shall be available as per the prevailing tax laws subject to fulfillment of conditions stipulated therein. Tax laws are subject to change from time to time. Please consult Your own tax consultant to understand the tax benefits available to You.","sources":[{"clause":"6.7","heading":"TAXES","page":75,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-6-7"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"Such notice must be signed by the Policyholder and received directly by the Company within 30 days beginning from the date of receipt of the Policy Document, whether received electronically or otherwise.","sources":[{"clause":"4.3(d)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-4-3-d"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days for monthly mode","note":"The main value uses the 30-day grace period for all modes other than monthly; monthly premium mode has 15 days.","quote":"The Grace Period for payment of the Premium shall be fifteen (15) days where the Policyholder pays the Premium on a monthly basis and thirty (30) days in all other cases.","sources":[{"clause":"3.19","heading":"Grace Period","page":31,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-3-19"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":"The wording does not state the youngest and oldest entry ages for the base policy.","quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Monthly","Quarterly","Half-yearly","Annually"],"display":"Monthly, quarterly, half-yearly and annually","note":"Enhanced SMART requires annual mode.","quote":"Premiums are payable in annual, half-yearly, quarterly or monthly mode. No modal loadings are applicable. The Modal Premium is arrived at as below: ... Monthly | Annualised Premium / 12\n... Quarterly | Annualised Premium / 4\n... Half-yearly | Annualised Premium / 2\n... Annually | Annualised Premium x 1","sources":[{"clause":"3.14","heading":"Changes in Premium Payment","page":29,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-3-14"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Single Premium","Regular Premium","Limited pay"],"display":"Single Premium, Regular Premium and Limited pay","note":null,"quote":"“Regular Premium” shall be the premium payable at regular intervals under Limited pay and Regular Pay Payment option chosen by the Policyholder, excluding the taxes, rider premiums and underwriting extra premiums, if any. ... “Single Premium” shall be the premium payable at inception under Single Pay Payment option chosen by the Policyholder, excluding the taxes, rider premiums and underwriting extra premiums, if any.","sources":[{"clause":"4","heading":"When the Insured is on a commercial","page":2,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-4"}],"law":[]},{"key":"lock_in","label":"Lock-in period","section":"Renewal and rights","meaning":"Years before you can withdraw. ULIPs have a 5-year lock-in.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"5 consecutive years","note":null,"quote":"“Lock-in Period” means the period of 5 consecutive years from the date of commencement of the Policy, during which period the proceeds of the discontinued policies cannot be paid by the insurer, except in the case of death / accidental total and permanent disability / diagnosis of terminal illness or incidence of any covered illness which results in 100% payout of the optional benefit Sum Assured (Except Family Cover) to the primary life assured.","sources":[{"clause":"4","heading":"When the Insured is on a commercial","page":2,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-4"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 42","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 54.1 and 54.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.22 to 1.24","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vii) to (ix)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"funds","label":"Fund options","section":"Cover","meaning":"The investment funds you can choose and their risk.","status":"quote-verified","value":["Whole Life Mid Cap Equity Fund - High","Whole Life Aggressive Growth Fund - Medium to High","Whole Life Stable Growth fund - Low to Medium","Whole Life Income Fund - Low","Whole Life Short-Term Fixed Income Fund - Low","Large Cap Equity Fund - High","Multi Cap Fund - High","India Consumption Fund - High","Super Select Equity Fund - High","Top 50 Fund - High","Top 200 fund - High","Emerging Opportunities Fund - High","Sustainable Equity Fund - High","Dynamic Advantage Fund - Medium","Flexi Growth Fund - High","Constant Maturity Fund - Medium","Target Maturity Fund - Medium","Small Cap Discovery Fund - High","Business Cycle Fund - High","Rising India Fund - High","Midcap Momentum Index Fund - High","Flexi Growth Fund II - High","Whole Life Income Fund II - Medium","Nifty Alpha 50 Index Fund - High","Multicap Momentum Quality Index Fund - High","Tax Bonanza Consumption Fund - High","Top 200 Alpha 30 Index Fund - High","Momentum 50 Index Fund - High","Sector Leaders Index Fund - High","Multicap Opportunities Fund - High","Enhanced Value Index Fund - High","Large Mid Cap Innovation Fund - high"],"display":"Multiple equity, debt and balanced funds with risk profiles from Low to High","note":"Small Cap Discovery Fund is listed as an available fund in the same fund profile clause; its row states equity/debt allocations but the extracted text does not show a separate risk-profile cell.","quote":"The investible Premiums shall be invested in any or all of the funds available i.e., Large Cap Equity Fund, Whole Life Mid Cap Equity Fund, Whole Life Income Fund, Whole Life Short Term Fixed Income Fund, Whole Life Aggressive Growth Fund, Whole Life Stable Growth Fund, Multi Cap Fund, India Consumption Fund, Super Select Equity Fund, Top 50 Fund, Top 200 Fund, Emerging Opportunities Fund, Sustainable Equity Fund and Dynamic Advantage Fund, Flexi Growth Fund, Constant Maturity Fund, Target Maturity Fund, Small Cap Discovery Fund, Business Cycle Fund, Rising India Fund, Midcap Momentum Index Fund, Flexi Growth Fund II, Whole Life Income Fund II and Nifty Alpha 50 Index Fund, Multicap Momentum Quality Index Fund, Tax Bonanza Consumption Fund, Top 200 Alpha 30 Index Fund, Momentum 50 Index Fund, Sector Leaders Index Fund, Multicap Opportunities Fund, Enhanced Value Index Fund and Large Mid Cap Innovation Fund. ... Whole Life Mid Cap Equity Fund (ULIF 009 04/01/07 WLE 110) | The primary investment objective of the Fund is to generate long – term capital appreciation from a portfolio that is invested pre-dominantly in Mid Cap Equity and Mid Cap Equity linked securities. | High ... Whole Life Aggressive Growth Fund (ULIF 010 04/01/07 WLA 110) | The primary investment objective of the Fund is to provide higher returns in long term by investing primarily in Equities along with debt/ money market instruments. | Medium to High ... Whole Life Stable Growth Fund (ULIF 011 04/01/07 WLS 110) | The primary investment objective of the Fund is to provide stable returns by balancing the investment in Equities and debt/ money market instruments. | Low to Medium ... Whole Life Income Fund ... | Low ... Whole Life Short-Term Fixed Income Fund (ULIF 013 04/01/07 WLF 110) ... | Low ... Large Cap Equity Fund (ULIF 017 07/01/08 TLC 110) ... | High ... Multi Cap Fund (ULIF 060 15/07/14 MCF 110) ... | High ... India Consumptio n Fund (ULIF 061 15/07/14 ICF 110) ... | High ... Super Select Equity Fund (SFIN: ULIF 035 16/10/09 TSS 110) ... The risk profile of the fund is high. ... Top 50 Fund (SFIN: ULIF 026 12/01/09 ITF 110) ... | High ... Top 200 fund (SFIN: ULIF 027 12/01/09 ITT 110) ... | High ... Emerging Opportunitie s Fund (SFIN: ULIF 064 12/09/22 EOF 110) ... This fund has a High risk profile. ... Sustainable Equity Fund (SFIN: ULIF 065 12/09/22 ESG 110) ... This fund has a High risk profile. ... Dynamic Advantage ... This fund has a Medium risk profile. ... Flexi Growth Fund SFIN: ULIF 068 25/04/23 FGF 110 ... This fund has a High risk profile. ... Constant Maturity Fund (SFIN: ULIF 069 17/05/23 CMF 110) ... This fund has a Medium risk profile. ... Target Maturity Fund SFIN: ULIF 070 17/05/23 TMF 110 ... This fund has a Medium risk profile. ... Business Cycle Fund (SFIN: ULIF 072 15/01/24 BCF 110 ... This fund has a High risk profile. ... Rising India Fund (SFIN: ULIF 073 17/01/24 RIF 110) ... This fund has a High risk profile. ... Midcap Momentum Index Fund (SFIN: ULIF 075 09/05/24 MIF 110) ... The fund has high risk profile. ... Flexi Growth Fund II (SFIN: ULIF 074 02/05/24 FG2 110) ... This fund has a High risk profile. ... Whole Life Income Fund II (SFIN: ULIF 076 06/06/24 WI2 110) ... The risk profile of the fund is medium. ... Nifty Alpha 50 Index Fund (SFIN: ULIF 077 30/09/24 NAF 110) ... The risk profile of the fund is high. ... Multicap Momentum Quality Index Fund (SFIN: ULIF 078 31/12/24 MQI 110) ... The risk profile of the fund is high. ... The Tax Bonanza Consumptio n Fund (ULIF 088 31/03/25 TBC 110) ... The risk profile of the fund is High. ... The Top 200 Alpha 30 Index Fund (ULIF 090 30/06/25 TAF 110) ... The risk profile of the fund is High. ... The Momentum 50 Index Fund (ULIF 092 25/08/25 MFI 110) ... The risk profile of the fund is High. ... Sector Leaders Index Fund (ULIF 093 15/09/25 SLI 110) ... The Risk profile of the fund is high. ... Multicap Opportunitie s Fund (ULIF 095 31/12/25 MUF 110) ... The risk profile of the fund is High. ... The Enhanced Value Index Fund (SFIN: ULIF 098 16/02/26 EVI 110) ... The risk profile of the fund is High. ... Large Mid Cap Innovation Fund (SFIN: ULIF 099 31/03/26 LMI 110) ... The risk profile of the fund is high.","sources":[{"clause":"Schedule OF(d)(ii)","heading":null,"page":60,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-schedule-of-d-ii"}],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"For regular/limited premium policies, Premium Allocation Charge is 3% of annualised premium in policy years 1-5 if annualised premium is below Rs. 200000, 2% in years 1-10 if annualised premium is at least Rs. 200000, and nil thereafter; for annualised premium below Rs. 200000 it is 2% in years 6-10 and nil thereafter. For single premium policies it is 3% of single premium. It is not applicable for sale through Online/Digital mode, and top-up premium allocation charge is 1.5% of single top-up premium.","display":"Regular/limited: 3% or 2% in years 1-5, 2% in years 6-10, nil thereafter; single premium: 3%; online/digital: nil; top-up: 1.5%","note":"The printed table formatting is compressed; the wording states the charges are guaranteed throughout the policy term.","quote":"Premium Allocation Charge as below shall be deducted from the Premiums, as a percentage of the Premium received as below:\nPolicy Year | Percentage of Annualised Premium\n<200000 | >=200000\n1-5 | 3% | 2%\n6-10 | 2% | 2%\nNil Nil onwards\nFor Single Premium policies, the Premium Allocation charge shall be 3% of Single Premium The Premium Allocation charge shall not be applicable in case of sale through Online/Digital mode ... Top-up Premium Allocation Charge shall be 1.5% of Single Top-Up Premium.","sources":[{"clause":"Schedule OF(a)","heading":null,"page":51,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-schedule-of-a"},{"clause":"Schedule OF(b)","heading":null,"page":52,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-schedule-of-b"}],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"quote-verified","value":"Policy Administration Charge is deducted during the first 10 policy years and is the minimum of 0.41% of annualised premium or 0.041% of single premium per month, and INR 500 per month.","display":"First 10 policy years: min of 0.41% of annualised premium or 0.041% of single premium per month, and INR 500 per month","note":null,"quote":"Policy Administration Charge shall be deducted during first 10 policy years. The policy administrative charge shall be minimum of the following:\n• 0.41% of Annualised Premium or 0.041% of Single Premium per month\n• INR 500 per month which is the current cap as per IRDAI","sources":[{"clause":"Schedule OF(b)","heading":null,"page":52,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-schedule-of-b"}],"law":[]},{"key":"fund_management_charge","label":"Fund management charge","section":"Charges","meaning":"Yearly charge on fund value; capped at 1.35% by IRDAI.","status":"quote-verified","value":"Fund Management Charges vary by fund from 0.65% per annum to 1.35% per annum in the printed table. The Discontinued Policy Fund charge is 0.5% per annum, and all fund management charges are subject to revision but shall not exceed 1.35% per annum of fund value.","display":"0.65% to 1.35% p.a.; Discontinued Policy Fund 0.5% p.a.; cap 1.35% p.a.","note":"Many funds in the table are charged at 0.80%, 1.00%, 1.10%, 1.20% or 1.35% per annum.","quote":"Fund Management Charges:\nFunds | FMC per annum ... Whole Life Short-Term Fixed Income Fund (ULIF 013 04/01/07 WLF 110) | 0.65% ... Whole Life Income Fund II (SFIN: ULIF 076 06/06/24 WI2 110) | 1.35% ... Fund Management Charge of 0.5% per annum shall be charged on Discontinued Policy Fund. The current cap on Fund Management Charge for Discontinued Policy Fund is 0.50% per annum and shall be declared by IRDA of India from time to time.\nAll Fund Management Charges above are subject to revision by Company with prior approval of IRDA of India but shall not exceed 1.35% per annum of the Fund Value","sources":[{"clause":"Schedule OF(b)","heading":null,"page":52,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-schedule-of-b"}],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"quote-verified","value":"Mortality/Morbidity Charge is deducted monthly by cancelling units at the current NAV from the fund value. For ATPD and TTI, it is Sum at Risk multiplied by the applicable Mortality/Morbidity Rate for the month based on attained age; charges for Cancer Care/Cardiac Care/Mega CI use the respective sum assured multiplied by the applicable morbidity rate for the month based on attained age and gender.","display":"Deducted monthly by cancelling units; SAR × monthly rate based on attained age","note":"Mortality/Morbidity charges are guaranteed for the policy term.","quote":"The Mortality/Morbidity Charge shall be deducted by cancelling Units at the current NAV, from the Fund value of the Policy at the beginning of each policy month. In case of the Top-Up Sum Assured, the same will be deducted from the Top-Up Premium Fund Value. ... Mortality/Morbidity charge for ATPD and TTI = Sum at Risk (SAR) multiplied by the applicable Mortality/Morbidity Rate for the month, based on the attained age of the Life Insured. ... Morbidity charge for Cancer Care/Cardiac Care/Mega CI = Cancer Care/Cardiac Care/Mega CI Sum Assured multiplied by the applicable morbidity rate for the month, based on the attained age and gender of the Life Assured","sources":[{"clause":"Schedule OF(b)","heading":null,"page":52,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-schedule-of-b"},{"clause":"Schedule OF(d)","heading":null,"page":58,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-schedule-of-d"}],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"quote-verified","value":"If the policy is discontinued within the 5-year lock-in, discontinuance charges are deducted before moving the fund value to the Discontinued Policy Fund. For single pay policies the maximum charge declines from year 1 to year 4 and is nil from year 5; for regular/limited pay policies the maximum charge similarly declines from year 1 to year 4 and is nil from year 5, with caps differing by premium size.","display":"Within 5-year lock-in: year-wise discontinuance charges apply; nil from policy year 5 onwards","note":"There are no discontinuance charges on Top-Up Premium Fund Value.","quote":"when the request for discontinuance from the policy is within the lock-in period of 5 years from policy inception, total fund value, net of discontinuance charges as on the date of discontinuance shall be put in the ‘Discontinued Policy Fund’. ... For Single Pay:\nWhere the policy\nMaximum Discontinuance Charges | Maximum Discontinuance Charges for\nis discontinued\nfor the policies having Single | the policies having Single Premium\nduring the policy\nPremium up to Rs. 3,00,000/- | above Rs. 3,00,000/-\nyear\n1 | Lower of 2% of Single Premium or Single Premium Fund Value subject to a maximum of Rs. 3000/- | Lower of 1% of Single Premium or Single Premium Fund Value subject to a maximum of Rs. 6000/- ... 5 and onwards | Nil | Nil ... For Regular/Limited Pay:\nWhere the policy is discontinued during the policy year | Maximum Discontinuance | Maximum Discontinuance\nCharges for the policies having | Charges for the policies having\nAnnualized Premium up to Rs. | Annualized Premium above Rs.\n50,000/- | 50,000/-\n1 | Lower of 20% of Annualised Premium or Regular Premium Fund Value subject to a maximum of Rs. 3000 | Lower of 6% of Annualised Premium or Regular Premium Fund Value subject to a maximum of Rs. 6000 ... 5 and onwards | Nil | Nil","sources":[{"clause":"Schedule OF(b)","heading":null,"page":52,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-schedule-of-b"}],"law":[]},{"key":"switches_withdrawals","label":"Switches and partial withdrawals","section":"Renewal and rights","meaning":"Free fund switches and withdrawals after lock-in.","status":"quote-verified","value":"Fund switching is allowed by written request between available funds and no fund switching charge applies. Partial withdrawals and Health Care Benefit withdrawals are allowed after five completed policy anniversaries; withdrawals from top-up premium fund are allowed after five policy anniversaries from acceptance of each top-up premium, with a minimum of Rs 500 per event and no charges.","display":"No fund switching charge; partial withdrawals after five policy anniversaries; minimum Rs 500 per event; no withdrawal charges","note":"The policy also offers Systematic Withdrawal Plan, Chosen-rate Withdrawal Plan and Index based Withdrawal Plan, subject to conditions.","quote":"You may send Us a written request to switch investment between available Funds. ... No Fund Switching Charge shall apply under this product. ... Health Care Benefit is allowed any time after five completed policy anniversaries from date of issuance of the policy from Single/Regular Premium Fund Value and date of acceptance of Top-Up Premium; if applicable. ... Partial Withdrawals are allowed any time after five policy anniversaries from the date of issuance of the policy from Single/Regular Premium Fund Value and date of acceptance of Top-Up Premium Fund Value; if applicable. ... The permissible minimum amount is Rs 500 per event. ... No charges shall be levied on the above payouts.","sources":[{"clause":"4.2.1","heading":"Health Care Benefit","page":37,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-4-2-1"},{"clause":"4.2.2","heading":"Withdrawals other than Health","page":37,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-4-2-2-2"},{"clause":"4.3(a)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-4-3-a-6"},{"clause":"4.3(b)","heading":null,"page":43,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664#c-4-3-b-6"}],"law":[]}],"documents":[{"kind":"wording","label":"Tata AIA Health SIP 110L184V01 T&C.pdf","pages":102,"fetched_at":"2026-10-17 20:14:32+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/pdf/download-centre/english/withdrawn-plans/tata-aia-health-sip/Tata-AIA-Health-SIP-110L184V01-T-and-C.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16663"},{"kind":"wording","label":"Tata AIA Health SIP 110L184V02 T&C","pages":105,"fetched_at":"2026-10-17 20:14:33+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/pdf/download-centre/english/withdrawn-plans/tata-aia-health-sip/Tata-AIA-Health-SIP-110L184V02-TandC.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02/document/16664"}],"versions":[{"uin":"110L184V01","version":null,"approved_on":null},{"uin":"110L184V02","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"TATA AIA Life Insurance official website","url":"http://tataaia.com/","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Tata AIA Health SIP (UIN 110L184V02), IndiaInsurances, https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-health-sip-110l184v02"}