Get Sampoorna Rakshakaran and comprehensive coverage with InstaProtect Solution by Tata AIA Life Insurance!

InstaProtect Solution

Facing life’s challenges with the right type of life insurance plan is important so that you can be prepared to secure two of the most crucial aspects for your loved ones –health and financial future.

InstaProtect is comprehensive solution that provides financial protection to you and your family. This Smart Solution combines the benefit of a life cover along with critical illness, hospitalization expenses, accidental death, total and permanent disability and more.

Benefits of InstaProtect Solution

This smart solution offers the following benefits:

Benefit	Description	Package Sum Assured^{^}
Benefit	Description	25 Lakh^{^}	50 Lakh^{^}	70 Lakh^{^}
Critical Plus Benefit (Lumpsum)	Covers 40 Critical Illness (including cancer & Heart ailments)	3 Lakh	5 Lakh	10 Lakh
Hospicare Benefit (Lumpsum)	Covers hospitalization/ICU admission costs etc	5 Lakh	10 Lakh	10 Lakh
Accidental Total & Permanent Disability (Lumpsum)	Cover Total & Permanent Disability due to accident	5 Lakh	10 Lakh	15 Lakh
Accidental Death Benefit (Lumpsum)	Covers Death due to accident	5 Lakh	10 Lakh	15 Lakh
Sampoorna Raksha Supreme	Benefit payable on death or accelerated Terminal Illness*	7 Lakh	15 Lakh	20 Lakh

*Payout accelerator benefit provides Inbuilt terminal Illness at 50% of base plan sum assured.

Plan Benefits

Criticare Plus Benefit

Under Criticare Plus Benefit, you will be entitled for lumpsum payout^# on first diagnosis of any of the specified 40 critical illnesses or undergoing any covered procedures. Hence, this benefit provides comprehensive coverage against multiple illnesses, including cancer and cardiac.

Hospicare Benefit

If you are hospitalised in case of a medical emergency, the Hospicare Benefit option will pay out^# a per day hospitalisation benefit of 0.5% of the sum assured. And if you are admitted to the Intensive Care Unit (ICU), additional 0.5% of sum assured will be paid out.

Accidental Total and Permanent Disability Benefit

With this benefit, in case of an unfortunate event of as total and permanent disability due to an accident, a lumpsum will be paid^# which can help you cover the treatment expenses, expenses to modify your home/vehicle, loss of income etc. The payout is doubled^# if the accident occurs under specified circumstances like public transport etc.

Accidental Death Benefit

The Accidental Death Benefit pays out an additional lumpsum to your family in case of Death due to accident. The payout is doubled^# if the accident occurs under specified circumstances like public transport etc

Life Cover

Secure your family’s financial future in case of your untimely demise with a term life cover. The life cover will take care of your family’s financial well-being and offer much-needed support in your absence.

Option to choose Return of Premiums

Get return of premiums^## for respective coverage on maturity if the plan/benefit option is active (in force) till the end of the policy term.

Highlights of Insurance InstaProtect

Comprehensive coverage

The Tata AIA Life Insurance InstaProtect provides comprehensive health and life cover protection to you and your loved ones, with flexible packages to choose from.
Express Issuance^~

Get your policy issued instantly with a quicker and hassle-free process
Affordable premiums

Each of the plan options come with flexible premium payment terms and affordable premiums for comprehensive coverage and benefits.
Simplified Process

Enjoy easy and smooth onboarding, renewal and claim settlement processes with seamless online modes of transactions.
Flexible to choose Policy Term and Premium Payment Term

You can choose the policy term and premium payment term as per your convenience.
Avail Tax Benefits** as per applicable tax laws

You can avail of tax benefits as per applicable income tax laws.

Check Eligibility and Documents Required

Eligibility Criteria

Eligible age range at entry

Eligible Age-range

Entry Age

Minimum Maximum

18 years 45 years

Maturity Age

Minimum Maximum

23 years 75 years

All reference to age is as on last birthday.

Documents Required

PAN card

Aadhar Card

Bank statement

(for the previous 6 months)

Salary Slip

Income Tax Reciept

How Does This Plan Work?

Step 1 : Choose Package Sum Assured

Benefit

Package Sum Assured^{^}

₹25 Lakh^{^}

₹50 Lakh^{^}

₹70 Lakh^{^}

Criticare Plus Benefit (Lumpsum)

₹3 Lakh

₹5 Lakh

₹10 Lakh

Hospicare Benefit (Lumpsum)

₹5 Lakh

₹10 Lakh

₹10 Lakh

Accidental Total & Permanent
Disability (Lumpsum)

₹5 Lakh

₹10 Lakh

₹15 Lakh

Accidental Death Benefit
(Lumpsum)

₹5 Lakh

₹10 Lakh

₹15 Lakh

Tata AIA Life Insurance Sampoorna
Raksha Supreme

₹7 Lakh

₹15 Lakh

₹20 Lakh

Step 2 : Choose Return of Premium/Non-Return of Premium

Step 3 : Choose Policy Term/Premium Payment Term and Payment Frequency

	Non - Return of Premiums	Return of Premiums
Policy Term (PT)	5 to 50 years	10 to 40 years
Premium Payment Term (PPT)	Single Pay: 1 year Regular Pay: Equal to policy term Limited Pay: 5 years to (PT minus 1)	Single Pay: 1 year Regular Pay: Equal to policy term Limited Pay: 5, 10, 12 years
Payment Frequency	Annual, Half Yearly, Quarterly, Monthly

Step 4 - Payment Options

You can quickly and easily buy the customized policy online through multiple digital payment modes. Simply pay the premium amount as displayed on the screen and buy the Tata AIA Life Insurance InstaProtect Solution of your choice.

Benefit Illustrator

Sample Premiums^~~

Age	Policy term	Premium Payment Term	Package Sum Assured^{^}
Age	Policy term	Premium Payment Term	₹25 Lakh^	₹50 Lakh^{^}	₹70 Lakh^
35	20	5	₹13,416	₹25,237	₹35,813
35	20	10	₹7,238	₹13,608	₹19,342
35	20	12	₹6,486	₹12,208	₹17,289
35	20	20	₹4,572	₹8,609	₹12,167
35	30	5	₹20,486	₹38,656	₹55,808
35	30	10	₹11,345	₹21,413	₹30,894
35	30	12	₹9,921	₹18,737	₹26,984
35	30	30	₹5,777	₹10,930	₹15,660

^~~The premium shown in the illustration above are annualized premium exclusive of applicable taxes, cesses & levies for male, non-smokers, standard lives with non-return of premium option,. All taxes, duties, cesses or levies, (including but not limited to TDS, Surcharge or Cess) are applicable as per governing laws.

Download Leaflet

Download Policy Bond (Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider)

Download Policy Bond (Tata AIA Life Insurance Sampoorna Raksha Supreme)

Download Policy Bond (Tata AIA Life Insurance Non-Linked Comprehensive Health Rider)

Sample Illustration$$

Age (Last Birthday)	25 Lakh Package Sum Assured++				50 Lakh Package Sum Assured++				70 Lakh Package Sum Assured++
	Annual Premium (Rs)		Monthly Premium (Rs)		Annual Premium (Rs)		Monthly Premium (Rs)		Annual Premium (Rs)		Monthly Premium (Rs)
	Male	Female	Male	Female	Male	Female	Male	Female	Male	Female	Male	Female
20 years	3181	2880	281	254	5746	5211	507	460	7843	7173	693	633
25 years	3857	3452	341	305	7080	6345	625	560	9843	8863	869	783
30 years	4977	4377	439	386	9303	8193	821	723	13181	11591	1164	1023
35 years	6824	5890	603	520	12955	11206	1144	989	18690	16060	1650	1418

PRODUCT DISCLAIMERS
- Tata AIA Life Insurance InstaProtect comprises of Tata AIA Life Insurance Sampoorna Raksha Supreme (Non Linked, Non Participating, Individual Life Insurance Plan) (UIN: 110N160V03), Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (NLCPR) (UIN: 110B033V02 or any other latest version) - A Non-linked, Non-participating, Individual Health Rider; Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (NLCHR) (UIN: 110B031V02 or any other latest version) - A Non-linked, Non-participating, Individual Health Rider.
- Tata AIA Life Insurance Sampoorna Raksha Supreme (Non Linked, Non Participating, Individual Life Insurance Plan) (UIN: 110N160V03 or any later version) is also available individually for sale.
- Criticare Plus Benefit (CPB), Accidental Death benefit (ADB) and Accidental Total and Permanent Disability Benefit (ATPD) are benefit options available under Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider and HospiCare Benefit (HCB) is available under Tata AIA Life Insurance Non-Linked Comprehensive Health Rider.
- All reference to age is as on last birthday.
- Insurance cover is available under this solution.
- The solution is not a guaranteed issuance plan and it will be subject to company’s underwriting and acceptance. The solution will be underwritten by Tata AIA Life Insurance Company Limited. Additional Requirements may be called at underwriters’ discretion. In case of sub-standard lives extra premiums will be charged as per our underwriting guidelines.
- For more details on the benefits, premiums and exclusions under the Base product and rider, please refer both Product and Rider brochure or contact our Insurance Advisor /Intermediary or visit our nearest branch office.
- Buying a life Insurance policy/rider is a long-term commitment. An early termination of the policy/ benefit option under a rider usually involves high costs and the surrender value payable may be less than all the premiums paid.
- ⁺Express Issuance for standard lives.
- ^$At the time of purchase, if the policyholder chooses to opt for a Return of Balance Premium option -For Sampoorna Raksha Supreme (Life Plus Option), an amount equal to the 105% of the Total Premiums Paid towards the product (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. For Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider and Tata AIA Life Insurance Non-Linked Comprehensive Health Rider, an amount equal to the Total Premiums Paid towards the respective benefit option (excluding loading for modal premiums), less any claim amount already paid out under the respective benefit option, shall be payable at the end of the benefit option term, provided the benefit option is not terminated.
- ^~~Additional Package Sum Assured++ options are available in this solution.
- ⁺⁺The package Sum Assured is the maximum total coverage under the respective package and is the sum addition of the individual risks Sum Assureds payable on occurrence of various insured events. Payouts will be restricted to applicable benefit mentioned against the corresponding risk as per the product or rider terms and conditions. For details / break-up of Package Sum Assured please refer website (InstaProtect Solution - Buy Term Insurance with Riders | Tata AIA Life Insurance) Please refer Tata AIA Website for details.
- ^{^}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.
- Tata AIA Life Insurance Company Limited (IRDAI Regn. No.110 • CIN: U66010MH2000PLC128403). Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai - 400013. Trade logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. and is used by Tata AIA Life Insurance Company Ltd under a license. For any information including cancellation, claims and complaints, please contact our 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. Visit us at: www.tataaia.com.
- ^**Individual Life Claim Settlement Ratio is 98.53% for FY 2021 - 22 as per the latest annual audited figures.
- L&C/Advt/2022/May/0969

Get Sampoorna Rakshakaran and comprehensive coverage with InstaProtect Solution by Tata AIA Life Insurance!

InstaProtect Solution

Benefits of InstaProtect Solution