Overview
Aviva Health Plus is a health cum savings plan that provides a cover on life, accidents, critical illnesses, disabilities, surgery and hospitalization, while guaranteeing the return of a part of the premium on maturity through:
- Provision of a Life Cover (Sum Assured) on death
- Additional protection against accidental death and disability
- Coverage against Total Permanent Disability due to sickness
- Coverage against 18 critical illnesses
- Protection against 37 major surgeries
- Cash payout in case of Hospitalisation
- Guaranteed maturity benefit, even if all health benefits have been claimed
- Specifications:
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Entry Age :18 to 55 years (last birthday)
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Policy Term : 10 years (maximum age at maturity is 65 years)
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Premium payment term :5 years
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Annual Premium : Rs 15,000 or Rs 35,000 + applicable Service Tax and Education Cess
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Sum Assured : Rs 150,000 (for AP= Rs 15,000) and Rs 350,000 (for AP= Rs 35,000)
- Easy Steps to your plan:
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Step 1
Decide what are your priorities for buying a Health Insurance plan – Understand the product features |
Policy Term (PT): 10 years Life Cover: Rs 1.5 lakh or Rs 3.5 lakh - Benefits:
- Accidental Death and Disability Benefit (ADD)(Additional payments are made in case of death or disability caused due to an accident)
- Sickness-only Total Permanent Disability(STPD) (Sum assured is paid as a lump sum in case of permanent disability due to an accident)
- Critical Illness benefit (Sum assured is paid as a lump sum in case a person contracts a critical illness, at the end of the survival period)
- Surgical Cash benefit (Depending upon the type of surgery, a fixed percentage of the sum assured is paid out)
- Hospital Cash benefit (A fixed sum for each full day of hospitalisation is paid out for treatment undergone for sickness or accidental injury.)
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Step 2
Pay the premiums upto 5 years |
- Annual Premium: Annual Premium of Rs 15,000 or Rs 35,000 for all age groups (Service Tax & Education Cess will be applicable separately)
- Premium payment term: 5 years
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Step 3
Enjoy the benefits |
- Life cover and Accidental Death and Disability cover for 10 policy years
- Health benefits for 5 policy years
- Option of cashless administration of claims
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- What am I going to get?
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Death Benefit: Full life cover is payable, irrespective of the health benefits already paid. The policy stands terminated after the death benefit is paid.
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Maturity Benefits: At maturity, you receive a Guaranteed Maturity Benefit, depending upon your age at entry. Guaranteed Maturity Benefit excceeds teh total base premiums paid if age at entry is 42 years or less
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Health Benefits:
- Accidental Death and Disability Benefit (ADD)
- Sickness-only Total Permanent Disability (STPD)
- Critical Illness (CI) benefit
- Surgical Cash benefit (SCB)
- Hospital Cash benefit (HCB)
For details, refer to the product brochure
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Tax Benefits: The policy offers Tax benefits under Section 80D, Section 80C and Section 10(10D) of the Income Tax Act, 1961. Tax laws are subject to change
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