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Get good returns on your investment with our top rated funds$

Get good returns on your investment with our top rated funds$


    TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in.

    What is a Combo Insurance Plan?

    A combo insurance plan is a life insurance plan that combines two or more life insurance products into a single product solution and is designed to cater to your specific financial needs. It provides a life cover to protect your family in case of any unfortunate events while securing funds for your future by increasing your savings and wealth in the long term.

    As multiple financial benefits are combined in one product solution, it saves your time and effort in researching and comparing separate solutions for specific purposes. In addition, it makes it easier to maintain life insurance policy benefits by paying the premium regularly for the combined product long term.

    Tata AIA Combo Insurance Solutions

    In This Policy, The Investment Risk in Investment Portfolio Is Borne by The Policyholder.

    Looking to buy a new insurance plan? 

    Our experts are happy to help you!


    Select plan
    • Term plans
    • Saving plans
    • Retirement plans
    • Wealth plans
    • I don't know/I need help

    TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in

    • What are the benefits of Combo Insurance Solution?

      Comprehensive Coverage

      Comprehensive coverage is one of the most important combo plan benefits. Combo insurance plans provide comprehensive coverage by including multiple products with varied benefits into one single product solution.

      Tailor-Made Financial Product

      With a combo insurance plan, you can create a tailor-made product by deciding on the sum-assured, policy term, premium payment term, payout options, etc., suiting your current financial condition and future requirements.

      Guaranteed Returns

      The policy returns are guaranteed in a combo insurance plan. As a result, you can meticulously plan for your future money goals by determining the correct sum assured and maturity benefits with a convenient policy term and an affordable premium.

      Convenient To Manage

      You can purchase and pay the premium online at your convenient space and time. Further, with a combo plan, you can easily understand and manage the policy compared to having different life insurance policies with varied premium payment terms and processes.

      Income Tax Benefits

      You can avail of tax# deductions on the premium paid and exemption benefits on the maturity/death payouts under relevant sections of the Indian Income Tax Act based on the applicable income tax laws.

    • Reasons To Include Combo Plans in Your Portfolio

      Be it your present needs or your future goals, a combo insurance plan ensures that you receive 360-degree support, be it to secure your life and that of your family, grow your savings fund or chalk out a lucrative investment plan! Here are some reasons why you should have a combo insurance plan in your portfolio:

      • Over a lifetime, your needs will keep changing, and getting new insurance plans for different life stages can be a hassle. A combo plan works well when it comes to covering life insurance, savings, and investment plans under a single policy!

      • Researching and looking for two or more plans that cover your insurance needs and your savings and investment goals is time-consuming. A combo insurance plan can save you a lot of time by providing a solution for each of your needs.

      • Premium payment for multiple policies may become a burden and difficult to manage. A single insurance solution that covers all your requirements is a more cost-effective solution in comparison.

    Things to Consider before Choosing a Combo Insurance Plan

    • Evaluate your Requirement

      Before choosing a combo insurance plan, assess your insurance needs and coverage such as health, life, and potential risks. Check the amount of cover you require to secure your financial future.

    • Fund Performance

      If the combo insurance plan, involves an investment component like a Unit Linked Insurance Plan (ULIP), then check the historical performance of the funds over time. This information will help you assess the potential growth of your invested funds.

    • Decide Investment Goals

      Assess your financial goals whether you are seeking a long-term wealth accumulation or balance between growth and stability.

    • Claim Settlement Ratio

      Research and evaluate the claim settlement ratio of the insurance provider offering the combo insurance plan. A higher claim settlement ratio suggests a good track record of honouring claims on time.

    Why Choose Tata AIA Life Insurance? 

    Families protected so far - Why Choose Tata AIA Life Insurance?

    72 Lakh+

    Families protected so far~

    98.02% Claim settlement ratio - Why Choose Tata AIA Life Insurance?

    Top Rated Funds

    All funds rated 4 or 5 stars$ by Morningstar@

    300 + Branches across major cities in India - Why Choose Tata AIA Life Insurance?

    400+ Branches

    Presence across major cities in India

    4 Hours Express Claim settlement - Why Choose Tata AIA Life Insurance?

    Pay as Per Convenience

    Flexibility to choose premium payment mode as per convenience

    How To Choose the Right Combo Plan for Your Needs?

    Buying a combo plan can be a simple and hassle-free process with Tata AIA Life Insurance! These are some of the steps you can follow to secure yourself and all your goals with your choice of plan:

    • 01.

      Visit the Tata AIA Life Insurance Combo Insurance Product pages to learn more about our combo plan offerings and their features.

    • 02.

      If you need help selecting a plan, you can click on the plan and provide your name and phone number to receive a call back from us.

    • 03.

      You can also calculate the premiums and maturity amount for our combo plans with the help of the insurance calculator.

    • 04.

      You can start by filling in the investment amount, the plan option, the premium payment term, the mode of premium payment, etc.

    • 05.

      Based on your data, you can find the maturity value, the annual guaranteed* income, and your life cover amount.

    Looking to buy a new insurance plan? 

    Our experts are happy to help you!


    Select plan
    • Term plans
    • Saving plans
    • Retirement plans
    • Wealth plans
    • I don't know/I need help

    TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in

    People like you Also Read

    Frequently Asked Questions - Combo Plans

    What is a combo insurance plan?

    Combo insurance plans are life insurance solutions that combine the benefits of two or more policies so that multiple insurance needs, and the investment and savings goals of the policyholder can be met through a single policy.

    What is the combination of term insurance and health insurance?

    A combination of term insurance and health insurance is a combo insurance plan that combines the benefit of the two insurance plans, the life coverage and the coverage for medical and hospitalisation expenses incurred towards treating health complications. It is a single term and health insurance combo for easy access and better management.

    What are the types of combo plans?

    The types of combo plans can be based on the combination of individual insurance products. For instance, it can combine savings insurance and ULIP plans.

    What is an All-in-One Insurance plan?

    An "all-in-one insurance solution" or a Combo Insurance solution refers to a comprehensive insurance product or package that combines multiple insurance policies into a single policy. It is developed to cover your various financial needs into one. An All-in-One insurance solution combines the product benefits of multiple life insurance policies with different coverage options. Policyholders can avoid the burden of managing multiple policies and dealing with various insurers by combining coverage into a single policy.

    What are the Income Tax Benefits of Combo Insurance Plan?

    You can claim for income tax# deductions for the premium amount paid by you and the maturity benefit received as per applicable income tax laws.

    Can I switch to a combo insurance plan if I already have individual policies?

    The option to switch to a combo insurance plan will be based on the specific product terms and conditions. You can always surrender your life insurance policies held and start afresh with a combo insurance plan to secure the investments or savings previously held and continue to build on your savings or investments.

    When is the right time to buy a combo plan?

    Once you are aware of your investment/insurance needs, you should check which plan will help fulfil it. If you are looking for a plan which provides multiple benefits like guaranteed savings, wealth creation through market-linked returns^ as well as life cover to secure your family’s future in a single plan, then you should buy a combo plan.

    What are the different combo insurance plans offered by Tata AIA Life Insurance?

    Any two insurance plans can be combined to form a combo insurance plan. However, it is subject to the insurer's product terms and conditions. At Tata AIA, we offer the Secure Insurance Solution and the Capital Guarantee Solution.


    Secure Insurance Solution offers two different combinations:

    Capital Guarantee Solution combines Tata AIA Life Insurance Smart Income Plus with Tata AIA Life Insurance Fortune Pro or Tata AIA Life Insurance Wealth Pro.

    How does a combo insurance solution differ from individual insurance policies?

    Unlike individual insurance policies, a combo insurance solution offers the convenience of combining multiple life insurance policies into a single policy. This simplifies management of the policy, offering cost benefits through and provides holistic coverage under one single plan instead of managing separate policies.


    • *Guaranteed Benefit is a % of the Annualised Premium or Total Premiums Paid based on the plan option selected. Please refer Brochure for more details.

    • ^Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations.

    • $on a 5-year basis as of September 2022.

    • @©2020 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India, and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar); (2) may not be copied, redistributed or used by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from the data published on various dates and procured from various sources and (5) shall not be construed as a n offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates, or agents shall be responsible or liable for any traducing decisions, damages or other losses resulting directly or indirectly from the information.

    • %Liquidity through partial withdrawal from ULIP funds after completion of 5 years.

    • #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 implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you. 

    • ~72,34,092 families protected till 31st March 2023.

    • This product is underwritten by Tata AIA Life Insurance Company Ltd.

    • This plan is not a guaranteed issuance plan and it will be subject to Company’s underwriting and acceptance.

    • Insurance cover is available under this product.

    • In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines

    • For more details on risk factors, benefit exclusions, terms and conditions, please read the sales brochure carefully before concluding a sale

    • For ULIP products


      • Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.

      • Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.

      • The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.

      • Premium paid in the Unit Linked Life Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the Insured is responsible for his/her decisions.

      • Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the Insurance Company. 

      • L&C/Advt/2023/Jul/2128


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