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Aviva Life Insurance
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Aviva Life Insurance

Aviva India is an Indian life insurance company, and a joint venture between Aviva plc, a British assurance company, and Dabur Group, an Indian conglomerate. AVIVA Group-A UK based insurance group, whose association with India dates back to 1834 and serves 33 million customers across 16 countries. Dabur Invest Corp-One of India’s oldest and most respected business houses and the largest producers of traditional healthcare products. Aviva Life Insurance Company deals in several products such as term plans, endowment plans, child policy, single premium plans, and many more. If we talk about life insurance, it is a way to secure your different needs in a disciplined manner. It is a legal agreement in which the policyholder pays a premium regularly or in a lump sum amount and the insurer promises to pay a pre-decided amount in case of any mishap such as unfortunate death of the insured person.

Highlights of Aviva Life Insurance

HeadquartersGurugram
Claim Settlement Ratio (2017-18)94.45%
Branches63 across India
Critical Illness Cover12
Insurance Consultant15000+
Award by Economic TimesBest brand 2019

Why Is Life Insurance Needed?

There are several reasons through which you will understand the need of having a life insurance plan. Here is the list of the most common reasons :

Offers Financial Security: A life insurance policy promises to pay a definite sum in the case of the miserable death of the life assured. This is an important plan for those who are breadwinners for their families so that they can easily deal with the financial crisis by completing the claim proceedings. The plan offers financial assistance which can solve several problems of your family.

Helps In Achieving Financial Goals: The plan is designed in such a way that can easily help you in achieving financial goals by making a lot of savings like arranging funds for child education, retirement corpus, home loan, personal loan, etc. without thinking for the funds after death. The sudden death of the wage earner in a family is a shock where life insurance is true support.

A Solution To Handle Debts: A debt afterlife can be a burden for your family but if you choose the right life insurance plan it will help you to deal with the outstanding debts also. A home loan, car loan, personal loan or credit cards will be looked after if you buy the correct insurance plan.

To Take Care of The Business: If a businessman is involved in a business partnership then the life insurance of the partner can save the business. Unfortunate, the death of the partner will not create any hassle for you to purchase his shares with the help of a life insurance plan. There will be no need to sell the company due to the partner’s absence.

Aviva Life Insurance

To Bring Internal Peace & Satisfaction: Often people think about it later in life but you may not be qualified for life insurance at a later stage if you will be suffering from any life-threatening or critical disease. That is why to secure your loved ones at the earliest buy life insurance now. Enhance the plan by adding more riders and covers to deal with all types of uncertainties of life even after death.

Aviva Life Insurance Plans

Types of policies offered by Aviva Life Insurance

Term Plan
  • Aviva i-Term Smart
  • Aviva I-Life Total
  • Aviva I-Life
  • Aviva Life Shield Advantage
  • Aviva LifeShield Platinum
  • Aviva Extra Cover
  • Aviva Jana Suraksha
  • Aviva CSC Bima Laabh Yojana
  • Aviva Nayi Grameen Suraksha
Child Insurance Plans
  • Aviva Young Secure Scholar
  • Aviva Young Secure Advantage
Savings Plan
  • Aviva Income Suraksha
  • Aviva Wealth Builder
  • Aviva i-Growth
  • Aviva Life Bond Advantage
  • Aviva New Family Income Builder
  • Aviva Dhan Nirman
  • Aviva Dhan Vriddhi Plus
  • Aviva Affluence
  • Aviva Dhan Samrudhi
  • Aviva Guaranteed Income Plan
  • POS - Aviva Dhan Suraksha
  • Aviva Sampooran Suraksha
Retirement Plan
  • Aviva Annuity Plus
  • Aviva Next Innings Pension Plan
Group Plan
  • Aviva Group Term Life
  • Aviva Group Credit Life
  • Aviva Corporate Life Plus
  • Aviva Credit Assure
  • Aviva Group Gratuity Advantage
  • Aviva New Group Leave Agreement Plan
  • Aviva New Traditional Employee Benefit Plan
  • Aviva Credit Protection
  • Aviva Group Life Protect
  • Aviva Corporate Shield Plus
Health Plan
  • Aviva Heart Care
  • Aviva Health Secure
  • Child Insurance Plans
  • Saving Plans
  • Retirement Plans
  • Term Plans
  • Health Plans

Child Insurance Plans

Aviva Life Child Insurance Plans

There is no doubt that we all have multiple goals in life that we wish to fulfill but undoubtedly, the biggest goal for all after becoming parents is to ensure a bright and successful future for children.

At this moment, you understand that you need to be sensible with your financial planning and cater to your child’s future needs with an effective child insurance plan. Here are the child plans offered by Aviva Life:

Aviva Young Secure Scholar

A traditional life insurance plan to secure important milestones of your child's education. It provides guaranteed money back. There are 4 options with different premium brands.

Features

  • Premium Payment Term: For entry age 0-8 years of the child: 13 minus age of the child, For entry age 9-12 years of the child: Fixed 5 years.
  • Annual Premium: Silver – Rs 25,000; Gold– Rs 50,000; Diamond – Rs 100,000; Platinum (5 options) – Rs 200, 000/400, 000/600, 000/800,000 or 10,00,000.
  • Taxes including but not limited to Goods & Services Tax, Cesses as applicable shall also be levied as notified by the Government from time to time. Tax laws are subject to change.
  • Sum Assured: Death Sum Assured is equal to the Higher of {ten times of the annual premium (excluding extra premium, rider premium and taxes, if any) or Maturity Sum Assured or 105% of the premiums paid (excluding extra premium, rider premium and taxes, if any).

Eligibility

Maturity Sum Assured will depend on the age of the Life Insured, Policy term and Plan Option.

Entry AgeParent: 21-50 years and
Child: 0-12 years (last birthday)
Policy term21 minus age at entry of the child
Premium Payment FrequencyYearly, Half-yearly and Monthly

Aviva Young Secure Advantage

A unit-linked online insurance plan to help secure your child's education. In case of death, all future premiums will be waived paid as a lump sum in the policy fund. Moreover, your family will get a lump sum to meet the immediate financial need.

Features

  • No liability to pay the future premium, in case of death of a parent.
  • Guaranteed loyalty additions to enhance your fund value.
  • Option to choose Policy Term to let you decide your key milestone.
  • Choice of 7 (seven) funds for investors with different risk appetites.
  • Flexibility to make Partial Withdrawals to meet unplanned expenses.
  • Systematic Transfer Plan and Automatic Asset Allocation mechanism to protect your investments against market volatility.

Eligibility

Entry age (last birthday)Parent (life insured) : 21 - 45 Years
Child (Nominee (Beneficiary)) : 0 – 17 Years
Policy Term (PT)10 - 25 years, subject to the maximum maturity age of 60 years.
Premium Payment Term (PPT)Equal to the policy term
Annual PremiumMinimum: Rs 50,000
Maximum: No limit subject to underwriting.

Saving Plans

Aviva Life Saving Plans

Saving plans are life insurance products designed to support disciplined savings and at the same time ensure steady returns throughout the policy term which can be payable as monthly income or lump-sum depending on your needs and chosen plan.

Aviva Dhan Nirman

A unique traditional participating life insurance plan that gives you a guaranteed regular stream of income and also a bonus at the end of your policy term. The minimum age is 4 years and the maximum age is 50 years.

Features

  • Guaranteed annual payouts to meet regular income needs equal to 150% of annual premium (excluding Goods & Services Tax and extra premium, if any) starting immediately after the end of the premium payment term.
  • Growth to your savings through simple reversionary bonus every year starting at the end of the first year
  • Guaranteed lump sum payout at maturity along with the vested simple reversionary bonuses and terminal bonus, if any, to meet your long term needs.
  • Comprehensive financial protection for your family depending on your choice of Sum Assured
  • Premium rebate on choosing a Sum Assured of Rs. 5 Lac and above.

Details

Entry ageMinimum: 4 years last birthday
Maximum: 50 years last birthday
Maturity Age75 years
Sum AssuredMinimum: Rs. 200,000
Maximum: Rs. 1 crore (per life)
Annual PremiumRs. 14,486 (exclusive of Goods & Services Tax and extra premium, if any)
Premium Payment Term (PPT) and Policy Term (PT)
PT (in years)PPT (in years)
1814
2115
2516
3018

Aviva Dhan Samruddhi

A traditional life Insurance Plan that gives guaranteed cashback every 5 years in addition to guaranteed maturity benefit, to meet your short and long-term needs.

Features

  • Guaranteed Returns: Your policy earns a Guaranteed Addition of 7% per annum to 9% per annum of the Annualized Premium (excluding taxes and any other extra premium), depending upon the policy term chosen by you, till the end of the policy term which is payable at maturity.
  • Liquidity: Your policy pays back 125% of the Annualized Premium (excluding taxes and any other extra premium) as Survival Benefit every 5 years (except at maturity).
  • Guaranteed Maturity Benefit: At maturity, you get the Sum Assured plus accrued Guaranteed Additions minus Survival Benefits already paid.
  • Rebate For High Sum Assured: Rebate on the basic premium is allowed if your Sum Assured is Rs. 5 Lacs or higher.

Details

Entry AgeMinimum: 13 years last birthday
Maximum: 55 years last birthday
Maturity Age23 to 70 years
Policy Term10, 15 or 20 years, subject to maximum maturity age
Premium Payment Term10 years for all the Policy Terms
Sum AssuredMinimum: Rs. 100,000
Maximum: Rs. 5 crore

Aviva i-Growth

A unit-linked online insurance plan that not only makes your money work harder but also provides comprehensive protection for you and your family.

Death Benefits:

In case of unfortunate death of the life insured the nominee will receive either the Sum Assured or 105% of the total premiums paid or the Fund Value at the date of notification of death along with Loyalty Additions, if any, whichever of these is higher.

Maturity Benefit:

On survival of the Life Insured till the maturity date, you will receive the Fund Value along with Loyalty additions.

Loyalty Addition:

You will get Fund value-based Loyalty additions on the last 3 policy anniversaries of your policy if all premiums are paid till the date of respective loyalty addition. The rate of Loyalty Addition depends upon your policy term and continues to be attached and payable once added.

Details

Minimum Entry Age18 years (last birthday)
Maximum Entry Age50 years (last birthday)
Maximum Maturity Age60 years (last birthday)
Policy Term10, 15 or 20 Years (subject to maximum maturity age)
Premium Payment TermSame as Policy Term

Aviva Life Bond Advantage

A Unit Linked Insurance Plan that helps to grow your wealth and offers you an opportunity to invest a lump sum for medium to long-term together with Life Cover and flexibility to access your money after 5 years.

Features

  • 7 unit-linked funds as well as two options for life cover
  • Extra financial protection through the inbuilt Accidental Death Benefit
  • Opportunity for additional investment with a nominal life cover (top-up)

Details

Entry Age02-65 years
Policy term10-73 years (minimum age at maturity 18 years; maximum age at maturity 75 years)
Premium Paying TermSingle-Premium
Base PremiumMinimum Premium: Rs. 50,000
Top-up PremiumMinimum: Rs. 5,000; Maximum: Up to single Premium paid

Aviva New Family Income Builder

A saving cum protection oriented traditional online life insurance plan that assists you financially by guaranteeing returns in the form of regular payouts for 12 years.

Death Benefit

In case of death of the life insured during the policy term provided all due premiums till date of death have been paid, the Death Sum Assured payable shall be the highest of the following amounts:

  • 10 times of the annualized premium, or
  • 105% of all the premiums paid (excluding taxes and extra premiums, if any) as on the date of death, or
  • Maturity Sum Assured
  • Sum Assured of the Policy, the Sum Assured will be paid in the following manner:
  1. 12 regular annual installments of “1.5 times the annual premium” (excluding taxes and extra premium, if any) shall be paid. The first installment would be paid at the time of claim settlement and the remaining 11 annual installments shall be paid on each of the death anniversary of the life insured commencing from the first death anniversary date.
  2. A lump sum amount of “6 times the annual premium” (excluding taxes and extra premium, if any) shall be paid along with the 12th annual installment on the 11th death anniversary of the life insured.

Details

Entry Age6 to 50 years last birthday
Maturity Age18 to 62 years last birthday
Policy Term12 years
Premium Payment Term12 years
Payout Period12 years after maturity i.e. 13th to 24th year

Aviva Wealth Builder

A traditional life insurance plan that doubles the total amount of premiums paid and returns it as a lump sum at maturity, guaranteed.

Features

  • Doubles your money for defined milestones
  • Guaranteed protection for your family in case of your death
  • Flexibility in choosing the premium payment and policy terms
  • Tax Benefits at the time of investment as well as maturity, for regular premium policies

Details

Entry Age(last birthday)Minimum: 5 years
Maximum: 50 years
Maturity Age (last birthday)Minimum: 18 years
Maximum: 63 years (Single Premium), 67 years (Regular Premium)
Maximum Premium (per Life)Rs.1,00,00,000
Minimum PremiumRegular Premium: Rs.50,000 p.a. + applicable taxes
Single Premium: Rs.1,50,000 + applicable taxes
Premium Paying FrequencySingle or Annual

Aviva Dhan Vriddhi Plus

A traditional participating life insurance plan that helps you save systematically and build a corpus. Minimum age is 18 years and the maximum age is 50 years.

Features

  • On maturity, get a 100% return of premiums paid as a guaranteed benefit along with accrued bonus, if any to meet your long term needs
  • Ensure financial security of your loved ones in case of any exigencies
  • Choose between a premium payment term of 5, 7 or 11 years basis amount of money you require on maturity

Details

Minimum Entry Age (last birthday)18 years
Maximum Entry Age (last birthday)50 years
Maturity Age (last birthday)70 years
Premium Payment Term (PPT)5 years, 7 years & 11 years
Policy Term (PT)20 years

Aviva Affluence

A Unit Linked insurance plan which helps you live to the fullest & demand the maximum out of your finances. The policyholder will not be able to surrender/withdraw the money invested in linked insurance products completely or partially until the end of the fifth year.

Features

  • Pick your policy term to match your long term goals
  • Choose to pay premiums as per your convenience for 5, 7, 10, 15 years or the entire policy tenure
  • Opt from 7 funds and invest in the fund or combination of funds, that best suits your risk profile
  • Elect to enter the equity market on a weekly or monthly manner through Systematic Transfer Plan.

Details

Entry Age (last birthday)Minimum: 2 years
Maximum: 50 years
Policy Term15 to 30 years, subject to the minimum & maximum maturity age
Premium Payment Term (PPT)5 / 7 / 10 / 15 or Equal to Policy Term
In-built Accidental Death BenefitIn-built Accidental Death Sum Assured shall be equal to the Base Sum Assured, subject to a maximum of Rs. 50 lacs, including all existing Accidental Death Benefit cover issued by Aviva.
Premium Payment FrequencyYearly Only

Aviva Guaranteed Income Plan

The plan focuses on the income of an individual’s family after his/her miserable death. This guaranteed income plan is life insurance along with a savings plan that will serve you financially for more than 10 years by paying returns in the form of 11 payouts.

Features

  • Payout will be given annually from 15th to 25th year in the form of a lump-sum amount together with the last payout.
  • Tax benefits under Section 80(C) and 10(10D) of the Income Tax Act, 1961.
  • Sum assured will be 20 times the yearly premium amount.

Details

Entry Age (last birthday)Minimum: 3 years
Maximum: 50 years
Policy Term15 years
Premium Payment Term (PPT)10 years
Payout Period10 years from maturity i.e. 15th to 25th year
Maturity age18 to 65 years (last birthday)

Aviva Sampoorna Suraksha

Aviva Sampoorna Suraksha’s plan is a non-linked and non-participating life cover insurance policy to secure your loved ones and family’s future.

Features

  • The policyholder can choose the premium payment term.
  • Life cover is available with the lowest premiums i.e. by paying only Rs. 750 per year.
  • Sampoorna Suraksha offers you guaranteed maturity benefits at the time of maturity.

Details

Entry Age (last birthday)Minimum: 18 years
Maximum: 50 years
Policy Term15 years
Allowed Premium Payment FrequenciesYearly, Half Yearly The half-yearly installment premium will be 51.08% of the Annual Premium
Maximum Maturity Age65 years (last birthday)

Aviva Income Suraksha

The plan takes the responsibility of regular income flow in the family after the unfortunate death of the policyholder. The Income Suraksha plan is a savings-oriented plan together with a life cover.

Features

  • The plan guarantees a regular payout to the family of the insured monthly for 10 to 12 years.
  • This helps in savings for other financial needs in life like children’s education, marriage, etc. rather than bothering afterlife savings for the family.
  • The policyholder can enjoy tax benefits under tax exemption laws of the Income Tax Act of India, 1961.

Details

Entry Age (last birthday)Minimum: 18 years
Maximum: 48 years
Minimum Premium AmountRs. 36,000

Retirement Plans

Aviva Life Retirement Plans

Retirement plans are designed in a manner that ensures a steady income for you in the form of a pension during your post-retirement life so that you can continue living a financially independent life. The company offers plans to suit your requirements with easy payment options and excellent returns.

Aviva Annuity Plus

A traditional insurance plan specially designed to provide you with lifetime income during your post-retirement years.

Features

  • Option to select from 7 annuity options to suit your specific financial needs
  • Annuity amount payable is guaranteed for the life of the policy
  • Flexibility to enhance the Purchase Price at inception for higher annuity installment

Details

Purchase PriceMinimum: Rs.25,000
Maximum: No Limit
Annuity InstallmentMinimum Rs.500 for any of the annuity frequency chosen
Annuity FrequencyYearly, Half Yearly, Quarterly, Monthly

A lump sum amount of “6 times the annual premium” (excluding taxes and extra premium, if any) shall be paid at the end of the Payout Period

An additional Guaranteed Terminal Benefit, depending upon the age at entry, is paid at the end of the Premium Payment Term.

In case of unfortunate death of the Life Insured while receiving a regular income, the outstanding regular payouts shall be paid to the nominee/beneficiary.

Death Benefit

In case of death of the life insured during the policy term provided all due premiums till date of death have been paid, the Death Sum Assured payable shall be the highest of the following amounts:

  • 10 times of the annualized premium, or
  • 105% of all the premiums paid (excluding taxes and extra premiums, if any) as on the date of death, or
  • Maturity Sum Assured
  • Sum Assured of the Policy; the Sum Assured will be paid.

Details

Entry Age6 to 50 years last birthday
Maturity Age18 to 62 years last birthday
Policy Term12 years
Premium Payment Term12 years
Payout Period12 years after maturity i.e. 13th to 24th year

Aviva Next Innings Pension Plan

A stress-free life after retirement is necessary, Aviva Next Innings Pension Plan is one such sure way to relax after retiring. The plan is a non-participating, non-linked deferred pension plan which ensures regular payouts after retirement for years.

Features

  • It offers a secure life for you and your family after retirement.
  • Provides financial cover to the family of the policyholder after his/her demise.
  • Guaranteed 210% of the premium amount will be paid as returns at the time of maturity.
  • Tax exemption under Section 80(C) and 10(10D) will be applicable as per norms.

Details

Minimum Entry Age42 years
Maximum Entry Age60 years
Minimum Premium AmountRs. 50,000
Maximum Premium AmountRs. 5 Crores

Term Plans

Aviva Life Term Plans

Aviva Life Insurance Company is offering a wide range of term insurance plans which make it easy for you to compare and choose the best one for yourself.

Aviva I-Life

An Aviva i-life online term insurance policy is designed to afford your family with the utmost protection when you are not around. Give your loved ones an additional financial backup to take care of their daily needs at an extremely affordable price. The premium of the plan may vary as per requirement.

Features

  • Life covers up to 80 years of age.
  • Increase life coverage during the policy term.
  • Option for coverage against 16 critical illnesses and disability.
  • No need for hospital bills.
  • The immediate payout on the first diagnosis of critical illness.
  • Tax benefits^ on the premium paid as per tax law.

Details

Entry AgeMinimum: 18 years (age last birthday)
Maximum: 65 years (age last birthday)
Maximum Maturity Age80 years last birthday (without Aviva Critical Illness and Disability Rider-Non linked Rider)
70 years last birthday (with Aviva Critical Illness & Disability Rider -Non linked Rider)
PremiumMin: Rs. 3,861 (excluding discounts, taxes & extra premium, if any)
Max: Depends on the Age, Term & Sum Assured chosen

Aviva Life Shield Advantage

One more effective term plan that offers wider coverage at your doorstep at a nominal cost. There is a bunch of benefits that you will get under this policy like the return of premiums paid at maturity.

Features

  • Payment of Life Cover (Sum Assured) to your family in the event of your death (Option A)
  • Additional protection against Accidental Permanent Total Disability (Option B)
  • Return of the money paid towards the base premium on your survival at the end of the policy term
  • A rebate on your premium for higher levels of Sum Assured

Details

Entry Age18 - 55 years (Maximum age at the expiry of the policy is 65 years)
Policy Term10 years to 30 years
Minimum Sum AssuredRs 2 lakhs
Premium Payment FrequencySingle-Premium (for Option A), Yearly, Half-Yearly, Quarterly and Monthly (for both Options)

Aviva Life Shield Platinum

One more life protection that will enhance your investment portfolio credibility. It is one of the top insurance plans by Aviva. It comes out with various features such as the option of life cover, income protection, or loan protect.

Features

  • Option A: Life Protection.
    The Sum Assured is paid out to the nominee as a lump sum in case of your unfortunate death.
  • Option B: Income Replacement.
    The nominee will receive monthly benefit amount chosen at inception till the end of the policy term, this amount increases by 5% p.a. compounded annually from the very first year of the policy to beat inflation.
  • Option C: Loan Protection.
    Under this option, the Sum Assured (SA) reduces uniformly over the Policy Term and the applicable Sum Assured as on the year of unfortunate death is paid to the nominee.

Maturity Benefit:

This is a pure insurance product and hence there is no maturity benefit payable under this plan.

Surrender Benefit:

Option A: There is no surrender value.

Option B & C: The policy will acquire surrender value after the premium payment term if all due premiums have been paid.

Details

Entry Age18-60 years
Policy Term10 to 52 years, subject to the maximum maturity age of 70 years
Premium Payment TermOption A – equal to Policy Term
Option B & Option C – 2/3rd of the policy term, rounded down to the nearest integer
e.g. for a 16 years term, paying term will be 10 years
Premium Payment FrequencyAnnually, Half-yearly, Quarterly or Monthly

Aviva Extra Cover

This policy combines the benefits of the Aviva i-Life and the Aviva Health Secure policy that provides all-around protection. Under the same. The customer has the choice of purchasing any one or more products as per his/her need and choice.

Death Benefit:

In case of your unfortunate death during the policy term, the Sum Assured will be paid to the beneficiary in your family to take care of their future needs.

Critical Illness Benefit:

The Sum Assured will be paid in case of a diagnosis of any of the 12 major critical illnesses covered under the product.

The premium for Critical Illness cover will not change for the first five years. However, the premium will be reviewable every five policy years at the policy anniversary, after approval from the IRDA of India. Such a review of premium rates will be performed by the Company at the beginning of the calendar year and premium rates after review would only be applicable for the contracts for which the review falls due in that year.

Only conditions described as a critical illness in the Aviva Health Secure brochure are covered under this policy. Sum Assured is payable, provided the life insured survives for 30 days after the diagnosis of critical illness. A policyholder can claim at the first diagnosis of any critical illness, provided the critical illness has been diagnosed after 90 days of the policy commencement date or the date of reinstatement.

Maturity Benefit:

No maturity benefit is payable under this product combination.

Details

Minimum Entry Age (last birthday)18 years
Maximum Entry Age (last birthday)55 years
Maximum Maturity Age (last birthday)70 years for term insurance
65 years for critical illness cover
Minimum Sum AssuredRs. 25 Lac for term insurance
Rs. 5 Lac for critical illness cover

Aviva i-Life Total

A non-linked & non-participating online life insurance term plan. Aviva’s i-Life Total is more than just a term plan as it not only shields you and your family from the impact of uncertainties and unforeseen circumstances but also lends the loved ones you left behind, the financial independence they need when you’re no longer around.

Features

  • Comprehensive protection at affordable cost
  • Customize your plan with a choice of cover:
  • Protect: Death cover with inbuilt terminal illness benefit
  • Protect Plus: Double the Sum Assured paid out on accidental death
  • Protect Assured: Sum assured on death or 120% of total premiums paid on survival till maturity
  • Protect Income: Monthly Income for the family in case of death
  1. Option for additional protection against critical illness and permanent total disability with Aviva Critical Illness & Disability rider.

Details

Entry AgeMinimum: 18 years (age last birthday)
Maximum: 65 years (age last birthday)
Maximum Maturity Age75 years last birthday (without Aviva Critical Illness and Disability Rider-Non linked Rider)
70 years last birthday (with Aviva Critical Illness & Disability Rider -Non linked Rider)
PremiumMin: Rs. 3525 (excluding discounts, taxes & extra premium, if any)
Max: Depends on the Age, Term, Option & Sum Assured chosen

Aviva i-Term Smart

A smarter online term insurance plan introduced by Aviva to provide full security to the family and loved ones after the death of the life insured. The financial assistance offered by i-Term Smart plan to meet the day-to-day needs in life is not limited as it acts as a support to fulfill their dreams also.

Features

  • The plan provides life cover up to 80 years of age.
  • It offers an advantage to increase life cover when the policy is in force without any medical screening.
  • The policyholder is liable to get tax benefits under section 80(C) and 10(10D) of the Income Tax Act, 1961.

Details

Minimum Entry Age18 years
Maximum Entry Age65 years
Minimum Premium AmountRs. 3,861
Minimum Sum AssuredRs. 75 lakhs

Aviva Jana Suraksha

Aviva Jana Suraksha is a term insurance plan to keep your family and dependants safe and secure even in your absence. The plan offers wider coverage at affordable prices.

Features

  • The plan provides life cover at lower costs starting from Rs. 20,000.
  • Offers double cover in the event of accidental death.
  • An option to choose whether the policyholder wants a single or regular payout.
  • During the policy term, a guaranteed lump sum is paid in case of death.

Details

Minimum Entry Age18 years
Maximum Entry Age45 years
Policy Term5 or 10 years, subject to the maximum maturity age of 50 or 55 years respectively
Premium Payment FrequencySingle, Annually, Half-yearly, Quarterly or Monthly

Aviva CSC Bima Laabh Yojana

Aviva CSC Bima Laabh Yojana is a term insurance plan that offers financial support to your family in case of any mishap. A security plan for the future pays the sum assured to dependants in case of death.

Features

  • Flexibility to choose the term of the policy from two available options.
  • The premium for the plan is less and may go down up to Rs. 300.
  • The plan can be purchased from nearby common service centers.

Details

Minimum Entry Age18 years
Maximum Entry Age50 years
Maximum Maturity Age60 years
Policy Term5 or 10 years
Sum AssuredMinimum: Rs. 22, 500
Maximum: Rs. 2,00,000

Aviva Nayi Grameen Suraksha

Aviva Nayi Grameen Suraksha; a term insurance plan for you and your family to meet the immediate needs after the demise of the policyholder.

Features

  • Coverage provided by paying a single premium, a one-time payment is required.
  • Life coverage with minimal rates starting from Rs. 500.
  • Insured can choose policy term from two available options.

Details

Minimum Entry Age18 years
Maximum Entry Age50 years
Policy Term5 or 10 years
Premium Payment TermSingle-Premium
Single-Premium AmountMinimum Rs. 500
Maximum 5,000

Health Plans

Aviva Life Health Plans

Aviva Heart Care

Aviva Heart Care is an online health insurance plan by Aviva that is solely specialized for heart diseases and related conditions. The plan is a non-linked and non-participating health plan.

Features

  • The plan not only covers you but there is an option to cover your spouse too.
  • Under a single plan, you can claim as many times with the benefit of restoration of the sum assured amount.
  • Provides cover for 19 heart conditions as well as takes care in case of income loss.
  • Waiver of premiums is also applicable in certain conditions.
  • A fixed sum will be paid regardless of the treatment costs.
  • Two Types of Plans as follows:
  1. ME- Plan for a single person
  2. We- Plan for married couples

Details

Age for ME Plan (males)30 years
Age for WE Plan (males)30 years
Age for WE Plan (females)28 years
Policy Term10 years

Aviva Health Secure

Aviva Health Secure is an online health insurance plan that safeguards you in times of hospitalization and medical treatment by providing financial assistance for nursing care, expenses for private rooms, daycare procedures, medicines, etc.

Features

  • Critical illness benefit for 12 critical diseases up to 10-30 years.
  • A lump sum amount will be paid on the investigation; no need to submit medical bills and receipts.
  • Exemption of taxes under Section 80(D) of the Income Tax Act of India, 1961.

Details

Minimum Entry Age18 years
Maximum Entry Age55 years
Minimum PremiumRs. 2000

Aviva Life Insurance Claim Process

The claim can be filed in a simple and hassle-free process. Mentioned are the steps for the claim process:

1. Claim Intimation:

The beneficiary has to intimate with the insurance company by filing a claim form along with the relevant documents as per your policy. The claim form is based on the type of claim you are filing. There are 4 types of claim forms as follows:

  • Terminal illness claim form
  • Critical illness claim form
  • Accidental disability form
  • Natural / Accidental death form

A few documents will be required to attach along with the claim form. The nominee needs to ensure that the form is filled based on the type of claim and submitted to Aviva Life Insurance office along with the doctor’s certificate, death certificate, physician statement, etc.

2. Arrange Documents:

Based on the type of claim, the beneficiary has to attach the relevant documents asked by the insurer in the original or photocopies. These photocopies are needed to be attested by a Gazetted Officer.

3. Settlement Payout:

The insurer will verify the documents once received. In case of any more documentation, the verification process will be completed after receiving the same. The clauses and riders if any would also be examined. If all the documents are appropriate as per the requirement, then the funds would be released in the nominee’s favor.

Aviva Life Insurance Customer Login Process

Aviva Life Insurance assists you to use the online service. It is one of the best and easiest ways to check for policy details and know the current status as well. If you want to renew your policy then Aviva Life Insurance India Customer Login Portal is all you need and it will be helpful for online payment as well.

For Aviva Life Insurance Login, we are giving the Login process steps for the convenience of the customer.

  • The policyholder has to visit the official website of Aviva Life Insurance.
  • In Aviva Life Insurance home page, hover on the ‘Login’ option present on the top-right side of the page.
  • You will able to see 3 options: ‘Customer’, ‘Group’, ‘Advisor’.
  • Click on the ‘Customer’ option.
  • Then it will be directed to the ‘Aviva Life Insurance Customers Login’ page.
  • Now enter your Email ID or Mobile Number and password to directly login if you are a registered user else you need to register by clicking on the options present below ‘New User? Register’.
  • You can also login using OTP; click on ‘Login via OTP’ by providing your Email ID or Mobile Number.
  • Then click on ‘Generate OTP’ and go to your inbox or check your mobile phone for SMS to login.
  • Now you are good to go to check your policy details and online payment process to pay your premiums sitting at home.

FAQ's

Aviva has provided an Interactive Voice Response payment facility to its customers for hassle-free payment, via which policyholders can simply make the payment of premium for up to Rs. 15 lakhs using credit cards.

Yes, you can renew your Aviva Life Insurance policy online sitting at home.

If you wish to receive a duplicate of policy from the company, you will be required to fill a request form and submit it to the nearest branch together with all relevant documents for the procedure.

You can revive your lapsed policies as per the clauses of the policy and the company. To revive a lapsed policy, fill the declaration form of good health and submit complete information along with required documents.

There is a free-look period from the company in which the policyholder can check the details and information of the policy very clearly throughout that period. In this period you are also free to cancel the policy if you are not satisfied with any terms or conditions or maybe any other reasons. In either case, you need to send a request letter to the company marked to the ‘Customer Services’ along with the original policy document and premium receipt.

If you are a registered customer in the online portal of Aviva Life Insurance Company, you just need to login with your login credentials including email id or mobile number and password by visiting the official website Aviva Life Insurance else you will be required to create a login id and register yourself to go online and check the claim status after logging in.

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Last updated on 19-11-2019