₹1 Crore Term plan starting @₹547/month$$
Why opt for a term plan?
Gift yourself and your family the best term insurance plan that offers complete financial security, designed for people just like you.
Express Claims Settlement in 4 Hours2
T&C Apply2
One Term Plan. Multiple Benefits.
What makes Tata AIA’s Term Insurance Plan Unique?
We offer customised solutions that enables you to protect the smiles of your loved ones.
Whole Life Coverage
Up to 100 years of age3 for your family's guaranteed life-long financial security
Get Additional Benefits
Avail Additional Benefits / Value Added Services4 up to Rs. 30,000/- per year at no additional cost
105% premium~ back
With Life Plus option
Add-on security (Riders~~)
40+ critical illness cover. Hospitalization benefit. Accidental death, Accidental Total & Permanent Disability Cover.
Tax savings up to ₹46,800*
As per the applicable Income Tax laws.
Boost life cover3
At important milestones such as home loan disbursal, marriage or child birth
Pay as per convenience
Monthly / Quarterly / Half-yearly / Annually / Lumpsum
Inbuilt privileges
Terminal illness benefit
Special premium for females
Sample Illustration$$
Additional coverage that can be added to your insurance policy
Life Option
Premiums given are excluding taxes for Life Cover of 1 Cr., Standard Life, Non-Smoker for a policy duration of 20 years, Regular Pay under Life Option.
| Age | Annual Premium | Monthly Premium | ||
|---|---|---|---|---|
| Male | Female | Male | Female | |
| 20 years | ₹ 7,300 | ₹ 6,200 | ₹ 645 | ₹ 547 |
| 25 years | ₹ 8,100 | ₹ 6,900 | ₹ 715 | ₹ 609 |
| 30 years | ₹ 9,400 | ₹ 8,000 | ₹ 830 | ₹ 706 |
| 35 years | ₹ 11,900 | ₹ 10,100 | ₹ 1,051 | ₹ 892 |
| 40 years | ₹ 16,800 | ₹ 14,300 | ₹ 1,483 | ₹ 1,263 |
| 45 years | ₹ 25,400 | ₹ 21,600 | ₹ 2,243 | ₹ 1,907 |
Life Plus Option
Premiums given are excluding taxes for Life Cover of 1 Cr., Standard Life, Non-Smoker for a policy duration of 40 years, Regular Pay under Life Plus Option.
| Age | Annual Premium | Monthly Premium | ||
|---|---|---|---|---|
| Male | Female | Male | Female | |
| 20 years | ₹ 11,900 | ₹ 10,100 | ₹ 1,051 | ₹ 892 |
| 25 years | ₹ 12,000 | ₹ 10,200 | ₹ 1,060 | ₹ 901 |
| 30 years | ₹ 15,900 | ₹ 13,500 | ₹ 1,404 | ₹ 1,192 |
| 35 years | ₹ 22,600 | ₹ 19,200 | ₹ 1,996 | ₹ 1,695 |
| 40 years | ₹ 31,800 | ₹ 27,000 | ₹ 2,808 | ₹ 2,384 |
| 45 years | ₹ 52,100 | ₹ 44,300 | ₹ 4,600 | ₹ 3,912 |
| Age | Annual Premium | Monthly Premium | ||
|---|---|---|---|---|
| Male | Female | Male | Female | |
| 20 years | ₹ 12,200 | ₹ 10,400 | ₹ 1,077 | ₹ 918 |
| 25 years | ₹ 13,600 | ₹ 11,600 | ₹ 1,201 | ₹ 1,024 |
| 30 years | ₹ 16,600 | ₹ 14,200 | ₹ 1,466 | ₹ 1,254 |
| 35 years | ₹ 22,000 | ₹ 18,800 | ₹ 1,943 | ₹ 1,660 |
| 40 years | ₹ 31,000 | ₹ 26,400 | ₹ 2,737 | ₹ 2,331 |
| 45 years | ₹ 49,600 | ₹ 42,200 | ₹ 4,380 | ₹ 3,726 |
| Age | Annual Premium | Monthly Premium | ||
|---|---|---|---|---|
| Male | Female | Male | Female | |
| 20 years | ₹ 17,300 | ₹ 14,767 | ₹ 1,528 | ₹ 1,304 |
| 25 years | ₹ 19,400 | ₹ 16,567 | ₹ 1,713 | ₹ 1,463 |
| 30 years | ₹ 23,567 | ₹ 20,133 | ₹ 2,081 | ₹ 1,778 |
| 35 years | ₹ 31,333 | ₹ 26,700 | ₹ 2,767 | ₹ 2,358 |
| 40 years | ₹ 45,000 | ₹ 38,267 | ₹ 3,974 | ₹ 3,379 |
| 45 years | ₹ 70,733 | ₹ 60,133 | ₹ 6,246 | ₹ 5,310 |
Discover a premium that perfectly aligns with your current income and future goals using our term insurance calculator.
All Premiums are subject to applicable taxes, cesses & levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium. Tata AIA Life shall have the right to claim, deduct, adjust, recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy. Kindly refer the sales illustration for the exact premium.”
Rider Options
Additional coverage that can be added to your insurance policy
A non-linked, Non-Participating Individual Health rider (UIN: 110B045V02)
Tata AIA
Vitality Health
Enroll in Tata AIA Vitality^^ to get discount++ on your premium
Tata AIA
Vitality Health
39 Critical Illness covered including minor stage illness
Pays fixed amount on Hospitalization and on ICU admission
A non-linked, Non-Participating Individual Health rider (UIN: 110B046V02)
Tata AIA
Vitality Protect
Offers protection against 40 Critical Illness including Cancer & Cardiac conditions
Tata AIA
Vitality Protect
Extended protection to your loved ones too under the same plan.
Return of balance premium$
Tax benefits* as per applicable laws.
A non-linked, Non-Participating Individual Health rider (UIN: 110B033V03)
Tata AIA
Comprehensive Protection Rider
Financial protection against Death, Accidental Death/Disability and Illness
Tata AIA
Comprehensive Protection Rider
40 Critical Illnesses covered including Cancer and Cardiac arrest
Tax benefits* as per applicable laws.
A non-linked, Non-Participating Individual Health rider (UIN: 110B031V03)
Tata AIA
Comprehensive Health Rider
Enhanced protection to cover risks which includes Disability, Hospitalization and Illness
Tata AIA
Comprehensive Health Rider
Flexibility to opt for Return of Premiums~
Tax benefits* as per applicable laws.
Tata AIA
A name you can count on
99.01%
Individual Death Claim Settlement Ratio^
4 Hours
Express Claim Settlement2
T&C Apply2
Rs 4,00,000 Crore+
Retail Sum Assured5
78 Lakhs+
Families protected so far6
Testimonials
Sohini Saha
Hi Team, This email is to appreciate the support of Monomay & Subrata even though they were working from home during the locked down phase. I really appreciate the support and the effort of the team to take extra steps to resolve my service request. Keep up the great work.
Mihir Bhandari
Respected Madam, I thank Ashwani Indulkar for her prompt service. She was very efficient in answering all my queries & concerns about my policy. I wish her all the best for future. It was a great experience & I shall recommend Tata AIA Life to my friends and relatives.
Harshit Shah
Dear Pratik, We are really thankful to you & your team & appreciate your kind nature, efforts & support with the necessary changes in my insurance policy document during the COVID-19 lock down. Thanks a lot...I received my updated Policy documents soft copy by mail.
Nishant Kumar
Dear Harshali, Thanks a lot. Amount has been credited to my account. I shall remain thankful to Tata AIA Life for the support in a time when the whole country is under COVID-19 lockdown. No other company has the guts to perform such a hassle-free service like Tata AIA Life.
Gautam Banerjee
Dear Rittwik, I am amazed to see the promptness from your side in this lockdown situation where human world is at stake. It's an example towards a sense of responsibility & feeling for the customer. Really admirable & thanks a lot for helping me in this abnormal situation.
Vinayak Sen
Greetings Mr. Upendra Kumar, Thanks a ton! I express my wholehearted appreciation for all your help in this case. Your proactive approach and prompt action especially during this COVID-19 Lockdown situation has been really impressive! Kudos!
Vivekananda Dutta
Dear Priya, Thank you for the splendid support & care rendered to me during this COVID-19 lock-down days. You attended my queries even at odd hours, while working from home. Your responses were prompt, courteous and full of Contents. I rate your services 10/10. Bravo Tata AIA Life.
V Sridhar
Dear Dr. Nilesh, Thanks for your time and detailed discussions, even during this COVID-19 lockdown, to help me identify the best plan for me and also for sharing the revised offers. Thanks also to the entire leadership team of Tata AIA Life for their support.
Downloads
Disclaimer
- Tata AIA Life Insurance Sampoorna Raksha Supreme (A Non-Linked Non-Participating Individual Life Insurance Plan) • UIN: 110N160V05
~Under Life Plus Option, an amount equal to the 105% of the Total Premiums Paid (excluding loading for modal premiums) shall be payable at the end of the Policy Term, provided the life assured survives till maturity and the policy is not terminated earlier.
^Individual Death Claim Settlement Ratio is 99.01% for FY 2022 - 23 as per the latest annual audited figures.
*Tax benefits of up to ₹46,800 u/s 80C is calculated at highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium paid of ₹1,50,000. Tax benefits under the policy are subject to conditions laid under Section 80C, 80D,10(10D), 115BAC and other applicable provisions of the Income Tax Act,1961. Good and Service tax and Cess if any will be charged extra as per prevailing rates. The Tax-Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.
**Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
~~Rider is not mandatory and is available for a nominal extra cost. For more details on benefits, premiums and exclusions under the Rider, please contact Tata AIA Life's Insurance Advisor/ branch.
1Applicable to large sum assured. For more details, please refer discount table in product brochure.
2Applicable to only non-early claims with more than 3 years of policy duration, non-investigation cases, up to Sum Assured of Rs. 50 lakhs. Applicable for branch walk in. Time limit to submit claim to Tata AIA Life Insurance is 2 pm on working days. Subject to submission of complete documents. Not applicable for ULIP policies and open title claims.
3Applicable for specific plan options. Please refer brochure for additional details.
&Online discount is applicable in first year only.
4The above-mentioned costs are based on estimated average market price for respective services and the eligibility criteria for availing teleconsultation and Personal Medical Case Management services is minimum total Sum Assured of Rs. 30 Lakhs [under base plan and Vitality rider/s]. For more information, please contact your Insurance Advisor / Intermediary or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at customercare@tataaia.com
| Additional Benefits/Value Added Services offered with Tata AIA Life SRS Vitality Protect |
||
Sr. No |
Value Added Services |
Frequency |
| 1 | Medical Teleconsultation | 4 consultations per month = 48 consultations per annum |
| 2 | Annual Health Check-up | 1 Health check-up per annum |
| 3 | Personal Medical Case Management (PMCM) (max. 3 months of service period) |
Throughout the year |
5Retail Sum Assured for FY2023 is Rs 4,43,479 Crores.
6Families protected from inception till date.
$The rider also offers Return of Balance Premium option where the ‘Total Premiums Paid’ (excluding loading for modal premiums) towards the respective Benefit Option, less any claim amount already paid out under the respective Option and any premium discounts availed under the wellness program such as premium discounts or premium cashback.
^^Tata AIA Vitality - A Wellness Program that offers you an upfront discount at policy inception. You can also earn premium discount / cover booster (as applicable) for subsequent years on policy anniversary basis your Vitality Status (tracked on Vitality app) Please refer rider brochures for additional details on health and wellness benefits.
++Wellness Discount is available with Vitality riders as follows:
|
Vitality Health (HospiCare) |
(Term Booster, CritiCare Plus) |
(Accidental Death, Accidental Total |
|
10% |
10% |
5% |
|
Up to 30% based on wellness status |
Up to 15% based on wellness status |
|
The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the Up-front Rewards and Annual Rewards Flex together or Cover Booster (applicable post premium payment Term) shall be 15% for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care and 30% for all other benefit options. Discount is driven by accumulated points which is achieved through wellness status.
L&C/Advt/2024/Apr/1043
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint
Tata AIA Life Insurance © 2024. All Right Reserved.
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