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FOR NEW POLICY
Non-Linked Non-Participating, Individual Life Insurance Pure Risk Premium Product (UIN: 110N102V05)
Non-Linked Non-Participating, Individual Life Insurance Pure Risk Premium Product (UIN: 110N102V04)
A pure term insurance
with room for more protection
A pure term insurance
with room for more protection
Tata AIA
Maha Raksha Supreme
Insure the future of your loved ones who depend on you financially by securing a ‘pure protection plan’ that let you secure more in more way than one.
Tata AIA
Maha Raksha Supreme
Insure the future of your loved ones who depend on you financially by securing a ‘pure protection plan’ that let you secure more in more way than one.
Insurance for extensive term till age of 100 years
Insurance for extensive term till age of 100 years
Flexibility to increase cover at important milestones with Life Stage Option
Flexibility to increase cover at important milestones with Life Stage Option
Save taxes as much as Rs. 46,800~
Save taxes as much as Rs. 46,800~
Plan Snapshot
Personalise your plan as per your priorities.
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Enjoy long-life cover till 100 years of age
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Grow your cover as you grow Boost your life cover to meet the evolving needs of your family
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Flexi premiums
Regular/Limited Pay/
Lumpsum
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Inbuilt Benefits
- Terminal Illness Protection with 50% payout
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Add-on security (Riders)^
- 3D: Death, Disability & Disease
- Critical Illness, Hospitalization expenses etc covered
Benefits of Tata AIA Maha Raksha Supreme – A Term Insurance Plan
Whole Life Coverage
Whole Life Coverage
By opting for the whole life cover option under this policy, you can avail of extensive life cover up to 100 years of age. This life cover option ensures your family’s security for the longest possible policy term.
Life Stage Plus Option
Life Stage Plus Option
The Life Stage Plus** Option, if chosen at policy inception, enables you to increase your life cover with an additional sum assured on the same policy during important stages/milestones such as marriage or childbirth during your lifetime.
Inbuilt Accelerator Payout Benefit
Inbuilt Accelerator Payout Benefit
This plan comes with in-built Payout Accelerator benefit, which offers 50% of the basic sum assured if you get diagnosed with terminal illness.
Tax Benefits
Tax Benefits
Your policy premiums paid will be eligible for tax# deductions under Section 80C of the Income Tax Act while the benefits payable on death during the policy term will be exempt from taxes under Section 10(10D) of the Income Tax Act.
Special Premium Rates
Special Premium Rates
A healthy lifestyle should be rewarded and we offer special rates for non-smokers. Additionally preferential rates are offered to female lives. When you opt for higher protection, you get discounts* that make the plan more affordable.
Optional Riders
Optional Riders
You can add additional Riders^ to increase your plan coverage.
Highlights of Tata AIA Insurance Maha Raksha Supreme
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Flexible Plan Options
With a choice of flexible life cover options, you have the choice of premium payment modes, terms and frequencies under the term insurance plan enables you to customise your policy as per your needs and affordability.
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High Cover Discount
High cover discount* available in your plan for Regular Pay / Single Pay plan option. For Limited Pay, high cover discounts are built in the premium rates.
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Free-Look Period
The free-look period enables you to review your policy terms and conditions or cancel the policy within 30 days of policy purchase if purchase online and 15 days if purchased offline. Once cancelled, subject to the company guidelines, the paid premiums will be refunded.
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Financial Protection
The nominee will receive the sum assured in case of unfortunate death of the life assured during the policy term.
Eligibility Criteria
Plan Options |
Parameters |
|||
Minimum Entry Age |
18 years |
|||
Maximum Entry Age |
For Non - POS 70 years for Single Pay, Regular Pay and Limited Pay 4 and 5 65 years for Limited Pay 6 to 45 45 years for Pay to Age 60 For POS 60 years for Single Pay, Regular Pay and Limited Pay 5 to 45 |
|||
Maturity Age (For POS) |
|
Minimum |
Maximum |
|
Non-Whole Life |
23 |
85 |
||
Whole Life |
100 |
100 |
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Maturity Age (For Non-POS) |
|
Minimum |
Maximum |
|
Non-Whole Life |
23 |
65 |
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Basic Sum Assured |
Min: Rs. 5,000,000 & Max: No Limit Subject to Underwriting Sum Assured should be in multiples of Rs. 5,00,000 |
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Premium Paying Term (PPT) |
Min. Policy Term |
Max. Policy Term |
Min. Policy Term |
Max Policy Term |
Non whole life (non-POS) |
Non whole life (POS) |
|||
Single pay |
10 |
50 |
10 |
47 |
Regular Pay |
10 |
50 |
10 |
47 |
Limited Pay 4 |
PPT + 1 |
Up to age 85 |
NA |
NA |
Limited Pay 5 to 45 |
PPT + 1 |
Up to age 85 |
PPT + 1 |
Up to Age 65 |
Limited Pay to Age 60 |
Not Applicable |
Not Applicable |
||
Premium Paying Term |
Max Policy Term |
Whole Life (Non-POS) |
|
Single Pay |
Not Applicable |
Regular Pay |
|
Limited Pay 5 |
|
Limited Pay 10 |
|
Limited Pay 12 |
|
Limited Pay to Age 60 |
| Premium Payment Modes: Regular/Limited Pay | Annual/Semi-Annual/Quarterly/Monthly |
Documents Required
PAN card
Aadhar Card
Bank statement
(for the previous 6 months)
Salary Slip
Income Tax Reciept
How Does This Plan Work?
Choose the amount of life insurance cover you need to financially safeguard your family. The amount of life you choose is the Basic Sum Assured which can be a minimum of ₹50,00,000, while there is no limit on the maximum Basic Sum Assured (subject to underwriting).
At policy inception, if you opt for the Life Stage Plus** Option, you will be able to avail of an additional sum assured or life cover at important stages in your life without any need for new medical underwriting. You can choose between 10%-50% of the additional sum assured based on your requirement with the limit of 50 Lakh.
Next, you will have to choose the policy term and premium payment option as per your needs. You can pay the premiums as Single, Limited or Regular Pay and also choose to pay the premiums on an annual, semi-annual, quarterly or monthly basis.
To ensure that you are able to pay your premium as per your affordability and convenience, our Tata AIA Life Insurance advisor will help you with the premium calculation, basis the life cover amount and coverage option you select. While the Inbuilt Payout Accelerator Benefit is a part of the policy, an optional rider^ may be chosen by you, depending on your needs. This rider will carry an additional but nominal premium charge.
Once the term insurance policy has been customised as per your needs, you can complete the policy purchase with the help of the options of digital payment channels available on our official website.
Downloads
Frequently Asked Questions
Why is term insurance important?
Term insurance is important because this type of life insurance offers a comprehensive and protective life cover to your family for a fixed policy term. During this term, any unforeseen circumstances leading to your unfortunate demise can become a financial setback for your loved ones; however, the term plan will pay out a death benefit to them in such a situation to help them sustain their livelihood.
What is the primary benefit of a term insurance plan?
The primary benefit of a term insurance plan is that it provides extensive life insurance coverage for very affordable premiums. Hence, even if you select a high sum assured to ensure your family’s future financial security, the premiums paid throughout the policy term will still be reasonably priced.
Do all term plans offer whole-life coverage?
No, most term plans only offer life insurance coverage for a flexible period of 5-40 years; however, some term plans, such as the Tata AIA Maha Raksha Supreme is a term life insurance product that offers a choice between 85 years or 100 years of life insurance cover.
How to choose a suitable term plan?
You can choose a suitable term plan as per your family’s future financial needs and your current and future financial capacity to pay the policy premiums. Before you purchase a term plan, consider your family’s needs that may have to be fulfilled in your absence, any emergency needs as also the repayment of any debts or loans if needed. This will help you decide the life insurance coverage amount for your term plan that will secure your family financially.
How do I purchase the Tata AIA Maha Raksha Supreme?
You can buy the Tata AIA Maha Raksha Supreme online through the official Tata AIA Life Insurance website. If you want to purchase the policy offline, you may visit any of the Tata AIA Life Insurance office branches.
What is the Life Stage Plus Option?
The Life Stage Plus** Option is a feature offered under the Tata AIA Maha Raksha Supreme that allows you to increase your life cover during significant life stages over and above the Basic Sum Assured. You can opt for this feature when purchasing your policy and avail of it within a year of any important milestone that requires you to increase the policy coverage.
What benefits on the premium can policyholders get from this term plan?
If you are a woman policyholder, you can avail of lower premium rates on the policy, provided you are a non-smoker. Even healthy policyholders with no smoking habits can avail of preferential premium rates. Moreover, if you have opted for a life insurance coverage amount of ₹1,00,00,000 and above, you can avail of a discount on the cover under the Regular Pay and Single Pay premium payment options. In case you have opted for a higher life cover under Limited Pay, the discount is built into the premium rates.
Does the Tata AIA Maha Raksha Supreme have maturity benefits?
No, the Tata AIA Maha Raksha Supreme does not offer any maturity benefits as it is a pure term life insurance plan. Once the death benefits are paid out as applicable, the policy is terminated, and no further benefits can be paid out.
What does the death benefit of this term plan comprise?
The death benefit, paid out on the death of the policyholder during the policy term, comprises the Sum Assured and any Additional Sum Assured (under the Life Stage Plus** Option). Under the Regular and Limited premium payment mode, the sum assured is the highest of – the basic sum assured or 10 times the annualised premium or 105% of the total premiums paid up to the date of death.
Under the Single Pay, it can be the highest of either the basic sum assured or 125% of the Single Premium.
Why do I need to add a rider to my term plan?
You can add an optional rider^ to your term plan to enhance the coverage of your policy. The term plan coverage offers death benefits payable only on the death of the policyholder during the policy term; however, a rider like the Tata AIA Life Insurance Accidental Death and Dismemberment Long Scale) (ADDL) Rider also offers additional benefits in case of accidental death, dismemberment or severe burns, subject to the rider’s terms and conditions.
What does the claim settlement ratio mean?
The claim settlement ratio is indicative of the insurer’s capacity to settle life insurance claims. It is a ratio determined by the number of claims that have been cleared by an insurance company as compared to the number of claims received in a financial year.
Do I need to file a claim for the Inbuilt Payout Accelerator Benefit?
Yes, you will have to file a claim to receive the benefits of the Inbuilt Payout Accelerator Benefit. When diagnosed with a terminal illness, you will have to submit the documentation supporting the diagnosis so that 50% of the basic sum assured can be paid out to you. And on death, the other 50% of the benefit will be paid out to your nominee as a death benefit.
How to file a claim under this term plan?
To file a claim, you can reach out to us through any of the following channels:
- Email us at: customercare@tataaia.com
- Call our helpline number - 1860-266-9966 (local charges apply)
- Walk into any of the Tata AIA Life Insurance Company branch offices
- Write directly to us at:
The Claims Department,
Tata AIA Life Insurance Company Limited
B- Wing, 9th Floor,
I-Think Techno Campus,
Behind TCS, Pokhran Road No.2,
Close to Eastern Express Highway,
Thane (West) 400 607.
IRDA Regn. No. 110
Disclaimers
- The complete name of Tata AIA MahaRaksha Supreme is Tata AIA Life Insurance Maha Raksha Supreme (UIN: 110N102V05) - Non-Linked Non-Participating, Individual Life Insurance Pure Risk Premium Product
- ^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.
- Tata AIA Vitality Health (UIN: 110B045V02 or any other later version), Tata AIA Vitality Protect (UIN: 110B046V02 or any other later version), Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V02 or any other later version) and Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (UIN: 110B031V02 or any other later version) are available under this plan.
- Vitality is a trademark licensed to Tata AIA Life by Amplify Health Assets PTE. Limited, a joint venture between Vitality Group International, INC. and AIA Company Limited.
- #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.
- ~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.
- **The Life Stage Plus Option can be selected only at inception of the Policy
- *Applicable to large sum assured. For more details, Please refer discount table in product brochure.
- 1On enrolling into the Wellness Program, you get an upfront discount of 5% on 1st year premium for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care Benefits and of 10% on 1st year premium for Term Booster, CritiCare Plus, Accelerated CritiCare, Multistage CritiCare, Cancer Care, Cardiac Care, HospiCare. 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 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. Please refer policy document for more details.
- Insurance cover is available under this product.
- This product is underwritten by Tata AIA Life Insurance Company Limited. This plan is not a guaranteed issuance plan and it will be subject to Company’s underwriting and acceptance.
- 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 all the Premiums Paid.
- In case of sub-standard lives, extra premiums will be charged as per our underwriting guidelines.
- For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.
- L&C/Advt/2023/Oct/3466
