A non-participating health insurance plan

with Return of Premium

Enjoy the benefits

of a Hospital cover that are
Virtually... free!

For details

1-800-11-9966
(for MTNL/BSNL subscribers)
PRBR00331
UIN: 110N066V01
Unique Reference No.: L&C/Advt/2008/Oct/1621

Tata AIG Life Insurance Company Ltd. (Regn. No. 110)

Registered & Corporate Office: Peninsula Towers,
6th Floor, Peninsula Corporate Park, Ganpatrao Kadam Marg,
Lower Parel, Mumbai 400 013.
Visit us at www.tata-aig-life.com
Insurance is the subject matter of the solicitation.
Health Problems can strike us anytime-anywhere,
leaving behind a huge financial burden on us and our
dependants. In India, average financial loss per
hospitalisation is Rs 8000#. Moreover, healthcare costs
are always escalating. While buying health insurance,
we do wonder - what if nothing happened to me?
All the money paid as premiums would go waste! That’s
where we present to you a unique solution.
Tata AIG Life Hospi CashBack, a Guaranteed Issue
product – which covers you for hospitalisation expenses
and, at the same time, refunds all the premiums back,
even if you had multiple claims.

Key features
• Daily fixed amount paid on each day of
Hospitalisation from 1st overnight stay
• Option of Silver and Gold Plan to suit your
individual needs
• Provides long-term medical coverage, for
15 years, without undergoing any medical tests
before buying the Policy
• Multiple claims possible as long as the annual limit
and lifetime limits are not exhausted
• Pre-existing diseases covered after a waiting period
of 2 years from the date of issue
• Once the Policy matures, Total Premiums paid*
or Total premiums paid + Guaranteed Addition of
10% of Total premiums paid are returned back
• If death occurs during the Policy term, we pay higher
of Sum Assured or Total premiums paid
• Death Benefit and Maturity Benefit, payable even
after multiple claims
• Pays in addition to your existing insurance cover
• Tax benefit u/s 80C of the Income Tax Act,1961
# NSS 60th Round: Morbidity, Healthcare and Care of the Aged, Report
No. 507 2006.
* Total Premiums Paid means amount equal to the total premiums paid
during the lifetime of the Policy. Such amount should be excluding
interest and tax.

How does my Policy work?

Step 1: Buy the Policy without undergoing any medical
tests or submitting any previous medical records.
Step 2: In case you get hospitalised for any illness or
injury, you can claim the daily hospitalisation income
benefit from us upto the maximum limits given under
your plan.
Step 3: Receive all your premiums (exclusive of service
tax) back at the end of 15 years.

Eligibility Criteria
Tata AIG Life Hospi CashBack: Silver & Gold
Term of Policy 15 years
Premium Payment term 15 years
Minimum / Maximum 18 - 55 years
Issue Age
Maximum Maturity Age 70 years
$
Premium Mode Annual / Semi-Annual /
Quarterly / Monthly

$
: Modal loading is applicable if premium payment mode is other than
annual. Annual Premium Rate:. No loading.; Semi-Annual Premium Rate:
Multiply Annual Premium Rate by 0.51; Quarterly Premium Rate: Multiply
Annual Premium Rate by 0.26. Monthly Premium Rate: Multiply Annual
Premium Rate by 0.0883
Package Options & Policy Benefits:
Silver Package Gold Package
Daily Hospitalisation
Income Benefit Rs. 500 Rs. 1,000
Coverage (number of
days/year) 15 30
Lifetime Maximum
(Days) 90 180

Maturity Benefit
You can choose either of the two options
i) 100% of Total Premiums paid are returned back,
OR
ii) 100% of Total Premiums paid are returned +
Guaranteed Addition of 10% of Total premiums paid

Death Benefit
In case of Death of the Life Insured during the Policy
term and where the Policy is in force, we will pay the
higher of:
(a) Sum Assured* (which is equal to 5 times the
annualised premium)
(b) Total of all premiums paid (exclusive of service tax)
However, for the first Policy year, the death benefit
would be limited to return of total premiums paid.
*Sum assured (5 x Annualised premium) at Policy inception
will remain constant till end of the Policy term.

Surrender Value
In case the Policy is surrendered after 3 annual
premiums are paid, an amount equal to the refund
percentage of Total Premiums paid till date of surrender
for that particular year would be paid back.
 Policy Anniversary Refund Percentage
1 0%
2 0%
3 40%
4 43%
5 46%
6 50%
7 54%
8 58%
9 63%
10 68%
11 73%
12 79%
13 85%
14 92%
15 100%

Guaranteed Surrender Value

You can surrender your plan after three years premiums
have been paid in full. In this case, the minimum
Guaranteed Surrender Value that you are entitled to is
30% of the “Total Premiums Paid” excluding the
premium for the first Policy year.

Loan Provisions
Policy Loan
While this Policy is in force and provided that it has
a Cash value, you may apply for a Policy loan, for such
an amount within the cash value, and subject to such
terms and conditions, as the company may fix from time
to time.Your Policy must be assigned to us.
We reserve the right to determine the loan amount to
be granted, and to defer the granting of Policy loan for
a period not exceeding six months from date of request.
Loan Interest Benefit Illustration:
Daily interest shall accrue on Policy loan at a rate which A 30-year Old Male buys Tata AIG Life Hospi CashBack -
we shall determine. Interest shall be payable on each Gold with 100% Maturity Benefit -
Policy anniversary after the loan date and until the loan
 Daily Hospitalisation Income
is repaid. Any unpaid interest shall be added to the benefit available to him will be - Rs. 1,000
principal loan and bear interest at the same rate. At any
time while the Policy is in force, you may repay the  Assuming he was hospitalised
principal and accrued interest, on any part of the loan. for 75 days, claims paid will be
– (Rs. 1,000 x 75 days) - Rs. 75,000
When the loan with accrued interest together with any
 Premium Paid through the
indebtness exceeds the cash value, the Policy will
Policy term will be
become void. (Rs. 11,390*15 years) - Rs.1,70,850**
 At the end of 15 years,
money returned back
Deduction from Proceeds
to him - Rs.1,70,850**
The unpaid loan or any indebtness on this Policy will be ** Premium shown is exclusive of service tax.
deducted from any payment or proceeds under this
Policy at the time of settlement. Our claim for any
indebtness will have priority over the claim of any Right to Review the Premium Rates
creditor, assignee or any other interested party.
The premium rates are guaranteed for two (2) Years from
the Policy Date and are subject to review thereafter,
based on the future expected mortality and morbidity
Sample Annual Premium Table in Rs. ^

Age Gold Package Silver Package

100% of Total 100% Total 100% of Total Premiums paid +

Premiums paid Premiums paid + Total Premiums Guaranteed Addition
Guaranteed Addition paid 100% of 10% of Total
of 10% of Total Premiums paid
Premiums paid
Male Female Male Female Male Female Male Female
30 11,390 12,820 16,430 18,490 7,730 8,370 11,250 12,140
35 12,610 14,170 18,340 20,620 8,300 8,950 12,070 13,090
40 13,180 14,490 18,990 21,070 8,620 9,150 12,440 13,220

Note:The above premiums are exclusive of service tax.The current applicable service tax rate is 1.03%.
^Service tax is payable on Insurance premiums as per applicable tax laws. Tata AIG life Insurance Company Limited reserves the right to recover from the
Policyholder, any levies or duties (including service tax), as imposed by the government, by premium adjustment.
Kindly refer to the sales illustration for the exact premium rates.
experience. Upon review, if required, the mortality and
morbidity rates will be modified based on the claims
experience during the previous period and all other
assumptions will remain the same.The revised premium
rates will be applied to all Policyholders based upon
their issue age, i.e. if a Policyholder buys a Policy at age
25 Years and premiums are reviewed 2 Years later, at age
27 Years, the revised premium rate of age 25 Years will be
applicable to this Policyholder henceforth.
Further the revision in the premium rate will be subject
to the prior approval of the IRDA

What is not covered under Tata AIG Life

Hospi CashBack?
Except for the Death Benefit, no benefit shall be payable
under this Policy for any event in respect of which
a claim is made, caused directly or indirectly, wholly or
partly, by any one of the following:
1. Benefits will not be available for any Pre-existing
Condition, as defined in the Policy, until 24 months
of continuous coverage has elapsed, since inception
of the first Policy with us.
2. Daily Hospitalization Income Benefit for covered
illness will not be payable for the Waiting Period.
"Waiting Period" means a period of 90 days from the
issue date or commencement date or reinstatement
date, whichever is later, of the insurance policy.
3. Where in our opinion the Insured was diagnosed
of Acquired Immunodeficiency Syndrome (AIDS)
or infection by any Human Immunodeficiency
Virus (HIV);
4. War, declared or undeclared, or revolution;
5. Service in the armed forces in time of declared or
undeclared war or while under orders for war-like
operations or restoration of public order;
6. Self -destruction or any attempted self - destruction
or self-inflicted injury while sane or insane;
7. Accident occurring while or because the Insured
is under the influence of alcohol or any
non-prescribed drug;
8. Violation or attempted violation of the law or
resistance to arrest;
9. Pregnancy, miscarriage or child-birth, including
caesarean section, abortion, voluntary termination
of pregnancy, fertility, birth control and all
related investigation.
10. Any congenital defect or abnormality which has
manifested or was diagnosed before the Insured
attains 17 years of age;
11. Corrective aids, contact lenses, hearing aids and
treatment of refractive errors unless necessitated
by Injury;
12. Ps yc h o s i s, m e n t a l / n e r vo u s d i s o r d e r s, o r
investigation and treatment of psychological,
emotional, mental or behavioral conditions, or sleep
disturbance disorders, treatment of alcoholism, or
drug abuse or any other complications arising there
from or any drug accident;
13. Cosmetic or plastic surgery or any elective surgery
or cosmetic procedure that improves physical
appearance, surgical and non-surgical treatment of
obesity (including morbid obesity) and
weight-control programs, or treatment of an
optional nature;
14. Any form of dental care or surgery unless
necessitated by the injury (excluding denture and
related expenses);
15. Special nursing care, routine health checks or
convalescence, Custodial Care, general debility,
lethargy, rest cure;
16. Any treatment or surgical procedures/surgery
which is unproven or not yet accepted in accordance
with standards of good medical practice, or which is
not performed by a Registered Medical Practitioner;
17. Immunisation, vaccination, inoculation or
treatments related to communicable diseases
requiring isolation or quarantine under the law;
18. Speech therapy, diabetic class, nutritional
counselling, or group support treatment; treatments
and supplies for smoking cessation programs and
the treatment of nicotine addiction;
19. A n y t r e a t m e n t s o t h e r t h a n a l l o p a t h y /
western medicines.

Other Features:
Free Look Period
You can cancel the Policy by giving a written
notice within the Free Look Period of 15 days from the
receipt of the Policy and the market value of the
invested premiums along with the charges paid will be
refunded after deducting Medical Fees, Stamp Duty,
Mortality / Morbidity Charges and rider premium, if any,
on proportionate basis.

Grace Period
A grace period of thirty-one (31) days from the due date
will be allowed for payment of each subsequent
premium. The Policy will remain in force during the
grace 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.

Reinstatement
In case your Policy has lapsed; you may reinstate the
same at the absolute discretion of Tata AIG Life within
two years of the first unpaid premium. However,
the Company would require:
• A written application from you for reinstatement
• Current health certificate and other evidence
of insurability
• Payment of all overdue premiums with interest
• Repayment or reinstatement of any indebtedness
outstanding on the due date of the unpaid premium
plus interest.

Non-forfeiture Provisions
If you fail to pay the premium within the Grace Period,
after Premiums have been paid for at least three
(3) consecutive years, you may choose the following
non-forfeiture option by writing to us within 90 days
after the due date of the premium in default:-
Cash Value–To surrender this Policy for its Cash Value.
Such Cash Value is equal to the Refund of Premium in
the event of Policy surrender as set forth under the
Eligibility & Plan Options.

Backdating
No backdating is allowed in this plan.

Tax Benefits
Premiums paid under this plan are eligible for tax
benefits under Section 80C of the Income Tax Act, 1961#,
as applicable. Moreover, life insurance proceeds enjoy
tax benefits as per Section 10(10D) of the said Act.
# Tax laws are applicable as per the Income Tax Act, 1961
and are subject to amendments made therein from time
to time.

Insurance Act, 1938, Section 41 (Prohibition

of Rebates)
No person shall allow or offer to allow, either directly or
indirectly, as an inducement to any person to take out
or renew or continue an insurance in respect of any kind
of risk relating to lives or property in India, any rebate of
the whole or part of the commission payable or any
rebate of the premium shown on the Policy, nor shall
any person taking out or renewing or continuing
a Policy accept any rebate, except such rebate as may be
allowed in accordance with the published prospectuses
or tables of the insurer.
Any person making default in complying with the
provisions of sub-section 1 above shall be punishable
with fine, which may extend to five hundred rupees.

Insurance Act, 1938, Section 45

No Policy of life insurance effected before the
commencement of this Act shall after the expiry of two
years from the date of commencement of this Act and
no Policy of life insurance effected after the coming into
force of this Act shall, after the expiry of two years from
the date on which it was effected be called in question
by an insurer on the ground that statement made in the
proposal or in any report of a medical officer, or referee,
or friend of the insured, or in any other document
leading to the issue of the Policy, was inaccurate or false,
unless the insurer shows that such statement was on
a material matter or suppressed facts which it was
material to disclose and that it was fraudulently made
by the Policyholder and that the Policyholder knew at
the time of making it that the statement was false or that
it suppressed facts which it was material to disclose:
Provided that nothing in this section shall prevent the
insurer from calling for proof of age at any time if he is
entitled to do so, and no Policy shall be deemed to be
called in question merely because the terms of the
Policy are adjusted on subsequent proof that the age of
the life insured was incorrectly stated in the proposal.
Tata AIG Life - A New Look at Life
Tata AIG Life Insurance Company Limited (Tata AIG Life)
is a joint venture company, formed by the Tata Group
and American International Group, Inc. (AIG).
Tata AIG Life combines the Tata Group's pre-eminent
leadership position in India and AIG's presence as
an international insurance organisation. The Tata Group
holds 74 per cent stake in the insurance venture with
AIG holding the balance 26 per cent. Tata AIG Life
provides insurance solutions to individuals
and corporates.
Tata AIG Life Insurance Company was licensed to
operate in India on February 12, 2001 and started
operations on April 1, 2001."

Disclaimer
 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.
 The brochure is not a contract of insurance.
The precise terms and conditions of this plan are
specified in the Policy contract.
 Wherever this brochure refers to taxation matters,
Tata AIG Life does not take responsibility for any
specific advice on taxation implications. You are
advised to check with your personal tax advisor for
advice relevant to your circumstances.
 The indications about taxation matters presented in
this brochure are based on our interpretation of
current tax laws and these may change in the future.
 For complete details, please contact our Insurance
advisor or visit Tata AIG Life’s nearest branch office or
call our toll-free number 1-800-11-9966 (MTNL &
BSNL lines).
 For details

1-800-11-9966
(for MTNL/BSNL subscribers)
PRBR00331
UIN: 110N066V01
Unique Reference No.: L&C/Advt/2008/Oct/1621

Tata AIG Life Insurance Company Ltd. (Regn. No. 110)

Registered & Corporate Office: Peninsula Towers,
6th Floor, Peninsula Corporate Park, Ganpatrao Kadam Marg,
Lower Parel, Mumbai 400 013.
Visit us at www.tata-aig-life.com
Insurance is the subject matter of the solicitation.