Now you don't need to worry about your health. HEALTH INVESTOR is here!!!

Hospital rooms. Doctor’s Bills. Stress. Worry. Tears. Frustration.

Life seems to be over the moment one is diagnosed with a critical illness. Critical illnesses, like cancer or heart attack are extremely unpredictable and can strike anytime, anywhere.

So, let’s discover HEALTH INVESTOR today.

With Health Investor from TATA AIG LIFE, life doesn’t have to come to a standstill. Because the financial cover it offers plays a large role in contributing to your peace of mind and subsequent recovery.

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

If you are ever diagnosed with any of the 12 Critical Illnesses, or need surgery, this special benefit provides you with a lumpsum amount.

It is a unique Critical Illness Health Product with 100% Return of Premium* benefit.

The 12 Critical Illnesses covered are: Cancer, Stroke, Heart Attack, Chronic Renal Failure, Aorta Surgery, Heart Valve Surgery, Major Organ Transplants, Coronary Bypass Surgery, Parkinson’s Disease, Paralysis, Benign Brain Tumour, Total Blindness.

The key features are listed below:

• Lumpsum benefit on diagnosis of any of the 12 Critical Illnesses and Surgeries.


• Cover in case of unfortunate death (U will get the Sum Assured or “Total Premiums Paid”, whichever is higher).


• 100% Return of Premium* in case of no claim on maturity.


• 5% increase of the basic Critical Illness Sum Assured, every year, up to 50%.


• Limited premium payment period.


• The minimum age is 18 years and maximum is 55 years and maximum maturity age is 65 years.


• Policy Term can be 10, 15, 20, 25 years. Any term you choose, the last 5 years premium is paid by the company, so you have to pay premiums for 5, 10, 15, 20 years respectively for above terms. This is the best deal, I feel!!!

Now you can have a win-win situation when u secure your health with Health Investor.
See how this is possible in the example given here.

Example:

Mr. Sameer Sharma, 30 year old (in case of no claim)
Sum Assured	Rs. 4,30,416
Policy Term	20 years
Premium Term	15 years
Annual Premium	Rs. 15,000*
Tax Savings (80 C)	Rs. 5,099
Total Premium Paid	15 * 15,000 = Rs. 2,25,000*
Total Tax Saved	15 * 5099 = Rs. 76,485
Amount Effectively Paid	2,25,000 – 76,485 = Rs. 1,48,515
Amt. paid back at maturity if no claims	Rs. 2,25,000*
If a Critical Illness is diagnosed at the age of 40 years
CI Sum Assured (Year 1)	Rs. 4,30,416
Total CI Sum Assured at age 40	Rs. 6,45,624 (5% increase, upto 50%)
Lumpsum benefit of Rs. 4,30,416 (Sum Assured) in case of death during policy term

*Excluding Service Tax

The premium rates also vary depending on the age. The earlier
you start, the more beneficial it is and the longer term you choose the maximum
benefit you can have.

Below are the Premium Rates in Rs. Per 1000 Sum Assured:

Gender	Male
Term	10	15	20	25
Age
18	68.10	30.90	21.25	17.90
19	68.80	31.50	21.85	18.50
20	69.50	32.20	22.55	19.25
21	71.35	33.00	23.35	20.05
22	72.10	33.85	24.25	20.90
23	73.80	34.80	25.20	21.75
24	74.50	35.90	26.25	22.75
25	76.70	37.15	27.40	23.85
26	78.50	38.65	28.60	25.00
27	80.55	40.25	30.00	26.30

Gender	Female
Term	10	15	20	25
Age
18	68.80	31.60	21.95	18.45
19	69.50	32.20	22.60	19.05
20	71.10	33.10	23.45	19.75
21	72.60	34.10	24.20	20.55
22	74.10	35.15	25.10	21.35
23	75.80	36.30	26.10	22.25
24	77.60	37.60	27.15	23.20
25	79.65	38.95	28.25	24.20
26	81.85	40.40	29.45	25.30
27	84.35	42.05	30.75	26.50

Decide yourself early and save your hard-earned money!!!

As per a survey conductedby TATA AIG LIFE across the consumers in INDIA:

• 72% of respondents will not be able to manage for more than a year on savings, insurance
  payments, or money from family/friends if the main income source was eliminated
  due to sickness or accident.


• 69% of individuals have not provided for medical coverage post-retirement.

So, ensure you and your family stay protected.

Contact me to get life insurance quote online. Hurry up!!!