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Non-Linked, Non-Participating, Group Protection Plan (UIN: 110N173V01)

Tata AIA Life Insurance Fortune Guarantee Pension Plan - Retirement Plan Mobile Banner

Tata AIAGroup Sampoorna Raksha Supreme

 Life cover to all group members under one policy

 Choose from level or reducing cover*

 Get Income Tax benefits as per tax# laws

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Non-Linked, Non-Participating, Group Protection Plan (UIN: 110N173V01)

Tata AIA Life Insurance Fortune Guarantee Pension Plan - Retirement Plan Mobile Banner

Tata AIAGroup Sampoorna Raksha Supreme

 Life cover to all group members under one policy

 Choose from level or reducing cover*

 Get Income Tax benefits as per tax# laws

Banner Image Alt


Tata AIA Group Sampoorna Raksha Supreme

  • As companies grow and support their employees, they need to offer more than just salaries. One way to do this is by providing financial support to employees' families during unexpected events.
     

    Tata AIA Group Sampoorna Raksha Supreme offers the opportunity to cover a host of life’s uncertainties and ensure the financial security. This plan is available for both Employer-Employee and Non-Employer-Employee groups. In case of an unexpected event, the sum assured will be paid to the insured member or their nominee.


Tata AIA Group Sampoorna Raksha Supreme Plan Benefits
 

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Comprehensive Coverage Options

Comprehensive benefit plan with wide range of optional benefits.

Covers-Pre-existing-Diseases

Flexible Coverage

Choose between single life and joint life coverage to secure the financial future of employee’s families.

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Customizable Coverage Levels

Option to choose from level or reducing cover*.

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Flexible Policy Duration

Select a flexible policy duration of 1 month to 40 years with the choice for premium return.

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Premium Rate Options

Option to choose among Unisex/Age Band Rate/Individual premium rates^.

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Tax Benefits

Avail income tax benefits# as per applicable tax laws

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Coborrower Coverage

Option to provide cover to up to 5 co-borrowers on an individual or shared cover basis

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Easy Premium Payment Options

Yearly renewable, single pay, limited pay, and regular pay payment options available

Why choose a Group Term Insurance Plan?

Benefits

Benefit for Employers

Benefits for Employees

Financial Security

Provides financial security to your employees' families in case of unfortunate event such as death of the life insured.

Provides financial support for the family in the event of the breadwinner's untimely death.

Cost-Effective

More cost-effective compared to individual policies due to lower premiums.

Get coverage from your employer without paying individual premium rate.

Employee Retention

Enhances employee loyalty and may help reduce attrition.

Increases job satisfaction and provides a sense of security.

Peace of Mind

Provides peace of mind for employers knowing employees can focus on the job without worrying about financial protection.

Helps reduce stress related to financial planning for unforeseen events.

Customizable Plans

Flexibility to customize plans according to the needs of the organization and employees.

Helps employees protect their family’s financial future as per the plan option chosen.

 

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Choose one or more benefit options amongst below 16 optional benefits along with the death benefit.

Cancer Protect

Cancer Care

Major Critical Illness

Comprehensive Critical Illness

Accidental Death Benefit

Accidental Total and Permanent Disability

All cause Total and Permanent Disability

Accidental Partial and Permanent Disability

Accidental Dismemberment Benefit

Hospital Cash Benefit

Surgical Cash Benefit

Waiver of EMI on Hospitalization

Terminal Illness

Waiver of Premium on Major Surgery

Waiver of Premium on Major Critical Illness

Waiver of Premium on Accidental Total and Permanent Disability

 

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Frequently asked questions

What are group insurance plans?

Group insurance plans offer insurance cover to members of a group. They can either be members of a specific society, employees of a company, or a group of loan borrowers. Tata AIA Life Insurance group insurance plans extend a myriad of benefits to employer-employee groups, and non-employer-employee groups. Members of these groups can get pure term, superannuation, gratuity, and loan cover, among others.  
 

For instance, lending institutions can protect the money they lend to borrowers by purchasing credit life insurance plans, which removes the burden of outstanding debts from the shoulders of the borrowers’ families, in the event of their untimely demise. Similarly, employers can ensure the financial well-being of the families of their employees by purchasing group term insurance plans. It also helps employers retain their workforce, while meeting the statutory obligations via group insurance plans.

What are the benefits of group insurance plans?

Group insurance solutions benefit a variety of groups like employer-employee groups, non-employer-employee groups, and groups of loan borrowers from a common lender.
 

Benefits for employer-employee groups:
By purchasing group insurance, employers can ensure the financial security and well-being of their employees’ families. This is generally seen as a good practice, which motivates the employees, and increases employee satisfaction. Employers can also meet their statutory obligations by purchasing group insurance, while the premium paid by them can be treated as a business expense. This enables the employer to claim tax deductions.


The employees can also avail tax# benefits on the premiums paid, while the funds they invest in are managed by experts.
 

Benefits for non-employer-employee groups:
By purchasing group insurance, members of such groups can avail life cover, while credit life insurance plans provide cover against outstanding debts to the borrowers.

How do these group insurance plans work?

Group insurance policies can be purchased by either employer-employee groups, or non-employer-employee groups, in order to ensure the financial well-being of the members’ families.

The non-employer-employee groups can include members of a specific society or can include borrowers from a common lender. Hence, such groups need to have a purpose of existence. Group insurance plans will also have a Master Policyholder, who will serve as the central administrator, and will act on behalf of the members of the group.

Can individuals purchase group insurance plans?

As the name suggests, group insurance plans are applicable for specific groups only eg: Employer-employee or Non-Employer Employee affinity groups. Individuals can purchase the retail plans available at Tata AIA Life Insurance.

Disclaimers

  • #Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment 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.
  • *While selecting Master policy holder has the option to choose between level and reducing cover. For more details, please refer brochure
  • ^These come under Admirative Connivence option. For more details, please refer brochure
  • Tata AIA Group Sampoorna Raksha Supreme - Non-Linked, Non-Participating, Group Protection Plan (UIN: 110N173V01)
  • Riders are not mandatory and are 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/Intermediary/ branch.
  • 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
  • All Premiums, Charges, and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses, or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium, charges or interest. Tata AIA Life shall have the right to claim, deduct, adjust, and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.
  • For more details on risk factors, benefit exclusions, terms, and conditions, please read the sales brochure carefully before concluding a sale
  • L&C/Advt/2024/Jun/1658
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