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Ensure Financial Protection & Guaranteed Income for Your Family. Enjoy up to 20% discount* exclusively for Tata Group employees.
Discover Complete Health and Wealth: Our comprehensive plan takes care of your health, wellness, and financial security all in one.
In this policy, the investment risk in investment portfolio is borne by the policyholder.
Plan your retirement wisely with a suitable pension plan for peace of mind in your golden years.
Buying a policy from Tata AIA was a great experience for me. As I was getting an insurance policy for the first time, Drashti helped me a lot. I had no knowledge of the policy, but Drashti patiently explained every detail to me.
I wanted to express my sincere appreciation to Ravi Sharma for the outstanding service provided during the purchase of my new life insurance policy. Their professionalism and dedication were evident throughout the process. Their personalized approach tailored the policy to my needs and budget, ensuring I made an informed decision for my family's future.
Most of the time sales employees meet you at the time of sale but never come back once the sale is done. But the Tata AIA Officer Vinay is one person who not only keeps me updated on the premium due dates, but also calls me on my birthday and anniversary. He also informs me on the new products and services launched by Tata AIA from time to time.
Our Easy Claim Initiative offers doorstep claim service where beneficiaries can schedule an appointment via our helpline, and our agent will assist with documentation and expedite the claim process at their residence.
Also, with our Express Claims15 service, the beneficiary can submit the necessary documents with our agent who will initiate the claim process and ensure that the claim amount is received within 4 hours.
15T&C apply
What are the different kinds of insurance plans?
The most common types of life insurance plans are:
How to buy a life insurance plan online?
Purchasing life insurance online is a simple and less time-consuming process. The steps are as follows:
1. Click on Calculate Premium to know the premium amount for any of the plans mentioned above.
2. Compare the features and benefits to choose a suitable policy based on your financial needs.
3. Upon choosing a life insurance policy, provide the necessary details and upload the required documents.
4. Choose the add-on rider16 options if required.
5. The applicable premium will be displayed on the screen upon providing all the required details.
6. If you are satisfied with the premium, pay the premium online using any of the applicable online payment methods.
7. If unsatisfied, you can revise your inputs such as for the sum assured, policy tenure, etc., to determine the most affordable premium.
Can I get a term insurance tax benefit?
Yes! When you purchase a life insurance plan, you will get income tax5 benefits as per applicable income tax laws.
How much life insurance coverage does one need?
The life insurance coverage required will be based on individual financial status, expenses, future financial commitments, and other liabilities. It can be determined based on the following calculations:
Human Life Value - The life insurance coverage using the human life value method can be determined based on your income, loans and liabilities, expenses, and future financial commitments, considering the inflation rate. You can utilise our Tata AIA Life Insurance Human Life Value Calculator to determine this human life value.
Expenses - The sum assured based on expenses can be determined by considering your routine utility bills, loans and liabilities, and future financial goals.
General Thumb Rule - You can also calculate the required life insurance coverage based on the general thumb rule. The general thumb for calculating the life insurance coverage is 10 times your current annual income.
What are riders, and how do they help your insurance policy?
Riders are add-on covers that help you enhance the life insurance coverage for the policy tenure. It provides additional financial support in specific scenarios to help you reduce your liabilities. For instance, the rider16 for the critical illness benefit can provide financial support to pay for your medical and hospitalisation expenses if you are diagnosed with a critical illness during the policy period.
Can I make premium payments online?
Premium payments can be made online by logging into your account and choosing any online payment method such as net banking, debit card, credit card etc.
How does comparing premiums online help?
By comparing premiums online, you can determine the right and best-suited life insurance policy with the features and benefits to provide the required sum assured at an affordable premium.
What documents are required to register a claim online?
The documents required to register a claim online will depend on the type of claim. Some of the documents that may be required during death claim are:
Claimant’s statement
Proof of identity
Proof of residence
Death certificate
Cancelled cheque.
Physician’s Statement and Medical Records
Copy of First Information Report (FIR) in case of an accident
Copy of post-mortem report
The claim for the rider and other benefits will depend on the type of claim registered. Click here to learn more about these documents.
How can I file a claim online?
You can file a claim online using the following simple steps.
Visit our Tata AIA Life Insurance official web page.
Navigate to the ‘Where Do I?’ tab.
From the drop-down menu, choose the ‘Claim Intimations’ option.
Provide the necessary details and upload the required documents to file a claim online.
Is there any discount for Tata Group Employees?
A Tata Group Employee Discount* up to 20% is applicable on the premium for the first year for life insurance policies exclusively for Tata Group employees.
Disclaimers
The complete name of Tata AIA Sampoorna Raksha Supreme is Tata AIA Life Insurance Sampoorna Supreme (UIN:110N160V04) - A Non-Linked Non-Participating Individual Life Insurance Plan
Tata AIA SRS Vitality Protect is a term solution which includes Tata AIA Life Insurance Sampoorna Raksha Supreme, a non-linked, non-participating, individual life insurance plan (UIN: 110N160V04) and Tata AIA Vitality Protect, a non-linked, non-participating, individual health rider (UIN: 110B046V02). Tata AIA Life Insurance Sampoorna Raksha Supreme is also available individually for sale.
The complete name of Tata AIA MahaRaksha Supreme is Tata AIA Life Insurance Maha Raksha Supreme (UIN: 110N102V04) - Non-Linked Non-Participating, Individual Life Insurance Pure Risk Premium Product
The complete name of Tata AIA Fortune Guarantee Plus is Tata AIA Life Insurance Fortune Guarantee Plus (UIN: 110N158V11) - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan.
The complete name of Tata AIA Guaranteed Return Insurance Plan is Tata AIA Life Guaranteed Return Insurance Plan (Individual, Non-Linked, Non-Participating, Life Insurance Savings Plan) • UIN: 110N152V12
Tata AIA Pro-Fit comprises of Tata AIA Smart Health, A Unit-linked, Non-participating, Individual Health Insurance Plan (UIN: 110L168V02), Tata AIA Sampoorna Health, A Non-Linked, Non- Participating Individual Health rider (UIN: 110A167V02) & Tata AIA OPD Care, A Linked, Non-Participating Individual Health rider (UIN: 110A166V01). Tata AIA Smart Health is also available individually for sale.
Param Rakshak Plus solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN:110L156V03), Tata AIA Vitality Protect Plus, A Non-Linked, Non- Participating Individual Health rider (UIN: 110A048V02) and Tata AIA Vitality Health Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A047V02). Tata AIA Life Insurance Smart Sampoorna Raksha is also available individually for sale.
The complete name of Tata AIA Fortune Guarantee Pension is Tata AIA Life Insurance Fortune Guarantee Pension (UIN:110N161V08) - A Non-Linked Non-Participating Individual Life Insurance Plan. Multiple options are available in this plan: Immediate Life Annuity, Immediate Life Annuity with Return of Purchase Price, Deferred Life Annuity (GA-I) and with Return of Purchase Price, Deferred Life Annuity (GA-II) and with Return of Purchase Price.
The complete name of Tata AIA Saral Pension is Tata AIA Life Insurance Saral Pension (UIN: 110N159V07) - A Single Premium, Non-Linked, Non-Participating, Individual, Immediate Annuity Plan
*Discount on 1st year premium will be offered. Submission of Company ID card is mandatory to opt for this discount. This offer must be sourced from the direct sales of the Company/buy online. Scheme is for employees who are Indian National and residing in India. Staff discount shall be applicable on the premiums payable in the 1st policy year only. The Company may offer a premium discount to the customers on the policies sourced by the company for employees of the promoter group namely, the Tata and the AIA group, its Subsidiaries, fellow subsidiaries, Joint Ventures (which shall include Tata AIA Life Insurance Company Limited amongst others) and their Associates. This premium discount shall be applicable on the premiums payable in the 1st policy year only and shall vary based on Policy Term and Premium Payment Term. Such discounts shall be applicable on the premium rates. No discounts shall be applicable on exercising the Life Stage or Top-Up SA Option as the increased premium shall be payable from the next policy anniversary, which at the earliest would happen in the second policy year whereas the discount is applicable only on the 1st year’s premium. For regular pay / limited pay policies, this shall be 20% - 1.5% x (Policy Term – Premium Payment Term) and for single pay policies, this shall be 2%.
1Tata AIA Vitality - A Wellness Program that offers you an upfront discount at policy inception. You can also earn premium discount / cover booster (as applicable) for subsequent years on policy anniversary basis your Vitality Status (tracked on Vitality app). Please refer rider brochures for additional details on health and wellness benefits.
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. The assessment under the wellness program shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
2“Guaranteed Annual Income” shall be a fixed percentage of the Annualised Premium / Single Premium (excluding discount) payable in a year. Guaranteed Annual Income as per the chosen Income Frequency shall commence after maturity till the end of the Income Period, irrespective of survival of the life insured(s) during the Income Period.
3Available under Regular Income with an Inbuilt Critical Illness Benefit option
4Guaranteed Annual Income (GAI) in the Regular Income option is a percentage of one Annualised Premium while in the Whole Life Income option is a percentage of the Total Premiums Paid
5Income 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.
6Tax 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.
7Market-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.
8Subject to a maximum term of 40 years
9The word Guaranteed and Guarantee means the annuity payout is fixed at inception of the policy and will be payable for whole of life or till death of the Annuitant(s).
10The word Guaranteed, and Guarantee means the annuity payout is fixed at inception of the policy and will be payable for whole of life or till death of the Annuitant(s).
1172,34,092 families protected till 31st March 2023.
12Retail Sum Assured for FY23 is Rs 4,43,479 Crores.
13As on 31st August 2023, the company has a total Assets Under Management (AUM) of Rs. 81,601.11 Crores
14Individual Death Claim Settlement Ratio is 99.01% for FY 2022 - 23 as per the latest annual audited figures.
15Applicable to only non-early claims with more than 3 years of policy duration, non-investigation cases, up to Sum Assured of Rs. 50 lakhs. Applicable for branch walk in. Time limit to submit claim to Tata AIA Life Insurance is 2 pm on working days. Subject to submission of complete documents. Not applicable for ULIP policies and open title claims.
16Riders 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.
17Guaranteed returns in this plan depends on Age at Entry of life assured, Premium payment term, policy term, premium amount and plan option chosen.
18On 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. 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 or Cover Booster (applicable post premium payment Term) 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.
19On enrolling into the wellness Program, you get an upfront discount of 10% on first year premiums. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the upfront rewards and annual rewards together shall be 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.
20Applicable for specific plan options. Please refer brochure for additional details.
21Applicable for specific plan options. Please refer brochure for additional details.
22Under Life Plus Option, an amount equal to the 105% of the Total Premiums Paid (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 ULIP products
The fund is managed by Tata AIA Life Insurance Company Ltd. For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
Investments are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
Please make your own independent decision after consulting your financial or other professional advisor.
Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Smart Health and Tata AIA Smart Sampoorna Raksha is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
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.
IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. THE LINKED INSURANCE PRODUCT DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE POLICY HOLDER WILL NOT BE ABLE TO SURRENDER/WITHDRAW THE MONIES INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR.
This product is underwritten by Tata AIA Life Insurance Company Ltd.
The 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.
For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
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 the all the Premiums Paid.
In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
L&C/Misc/2023/Dec/0608