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Protect yourself and your future and secure your wealth and your savings with a unique life insurance combo plan today!

A combo plan is a unique life insurance solution that combines the best of a unit-linked insurance plan and savings plan to protect your life and also your growing wealth!

How a Combo Insurance Plan Works


A combo insurance plan comprises two or more life insurance plans under a single solution.

  • With a combo insurance plan, you can choose the Premium Payment Term and the Policy Term as per your insurance/savings/investment objectives.
  • Such a policy offers multiple benefits - savings, investments, life insurance - in a single plan.
  • Under the plan options, the policyholder can either opt for regular income or endowment at the beginning of the policy.
  • The policyholder enjoys the benefit of life insurance coverage throughout the policy term while paying premiums for a predefined and fewer number of years.
  • At the end of the policy term, as chosen by the policyholder, the policy enables a guaranteed return on the investment.
  • The policyholder can avail of the returns on the combo insurance plan as a lump sum amount.


Combo Insurance Plans from Tata AIA Life Insurance

The Secure Insurance Solution by Tata AIA offers the following features:

  • Pay premiums for a limited premium payment term and enjoy the life insurance coverage for the whole policy term.
  • Get market-linked returns with the benefit of the upside of investments made through the unit-linked insurance plan.
  • Enjoy returns on the policy guaranteed protection of all premiums paid.

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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’s, 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 as well as your savings and investment goals is a time-consuming process. A combo insurance plan can save you a lot of time by providing a solution for each of your needs.

  • The premium payment for multiple policies can be worrisome and also quite expensive in the long run. A single insurance solution that covers all your requirements is a more cost-effective solution in comparison.


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 -

  1. Visit the Tata AIA Life Insurance homepage to learn more about our combo plan offerings and their features.
  2. 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.
  3. You can also calculate the premiums and maturity amount for our combo plans with the help of the insurance calculator.
  4. You can start by filling in the investment amount, the plan option, premium payment term, mode of premium payment, etc.
  5. Once that is complete, provide us with your name, email address, date of birth, phone number, and then click on “Proceed” to fill in the pin code, the city, and your nationality.
  6. Based on the data you provide, you can find out the maturity value, the annual guaranteed income, and your life cover amount. 

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. 

How does a combo plan help?

A combo plan is helpful since it saves the policy buyer the trouble of buying various insurance plans for different needs. With a combo plan, you can save money for the future, make market-linked investments through the policy and also get life cover for yourself and your family.

Do I need a savings plan if I have a ULIP?

A savings plan and a Unit-Linked Insurance Plan are both different insurance products that serve different purposes. A policyholder may choose either one or both of them, but that depends on their savings or investment objectives.

Since savings plans offer guaranteed returns, people add them to their portfolio. If a savings plan fulfils your objective, you can have one, irrespective of whether you have a ULIP or not.

Is it better to have a combo plan instead of two insurance plans?

Yes, a combo plan is better than having two insurance plans in terms of its functionality and cost-effectiveness. Combo plans cover all the financial goals and life cover needs of an individual, depending on the choice of the plan as per one’s preference. A single combo plan is also easier to manage than two individual plans since the premiums are not paid separately, and you don’t need to remember separate policy dates. 

When is the right time to buy a combo plan?

You should buy a combo insurance plan as soon as you are sure about what you need from your insurance plan. In case you already have a life insurance plan but want to switch to a combo plan, you can contact us, and we will guide you on the next steps. 

How can I choose and purchase a combo plan?

First, map your requirements and expectations from an insurance plan. You can visit the Tata AIA website and browse out plans to select one that meets your needs. 

How do I file a claim if I buy this plan?

If you want to file a claim, you can get in touch with us through the following channels:

  • If you register your claim online, then click on ( to upload your documents.
  •  Contact us on WhatsApp: Type CLAIM and send to 7045669966
  •  You can give us a call, and your documents will be picked up from your doorstep.
  •  Email us at or call us on our helpline number - 1860-266-9966 \ NRI Number: +91-80-67603700
  •  If you want to register your claim offline, look for our Tata AIA Life Insurance branch offices at and visit us.
  •  You can also write 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.      

What documents are needed to complete the claims process?

You can click on this link to know which documents are needed for a claim intimation.

How long does it take to settle a claim?

Settling a death claim does not take over 30 days, and at Tata AIA Life Insurance, we always try to ensure that your claims are settled at the earliest. However, if there are aspects of the claim that need to be investigated or re-examined, the claim process, along with the regulatory turnaround time, will be 90 days.



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By submitting your details, you are giving your consent to receive SMS/Call by Tata AIA Life Insurance Company Limited or its representative, with reference to this solicited inquiry even though you may be registered on the DND list. L&C/Advt/2019/Jan/075