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We all want to ensure that our loved ones have a comfortable life and secured future. We want to make sure they are never short in terms of financial resources to live the life of their dreams, thereby providing a strong 'foundation' of financial security for them. Tata AIA Sampoorna Raksha Supreme Plan provides financial protection to your family and offers you the flexibility to choose the plan that suits your need.
Benefits of Tata AIA Life Insurance Sampoorna Raksha Supreme
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Get Your Premium Amount Back
With Life Plus plan option you can get up to 105% of the premium** amount you paid.
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Save Income Tax Up to Rs 46,800+
Get income tax# benefits as per applicable income tax and save tax.
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Get Whole Life Coverage
With this plan, you can get life cover up to 100 years of your age^
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Increase Life Cover at important Milestones
With the Life Stage~~ option benefit, you can Increase policy cover at important milestones such as marriage or birth of your child.
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Avail Critical Illness Cover
Get Critical Illness@ cover against 40 critical illnesses including Heart and Cancer
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Express Claim Settlement
Get your claim settled in 4 Hours with Express Claim Service4
4T&C apply
Why Term Plan Is Necessary?
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Get Large Cover at Lower Premium
A term insurance premium is affordable and secures the financial future of your loved ones.
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Provides Financial Security
Buying a term plan is important if you are the sole bread earner in your family. In case of any unfortunate event, term plans help to cover the risk and secure the future of your loved ones.
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Early Mover Advantage
With an increase in age, your premium will also increase. When you buy the term plan at an early age it is more affordable.
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Avail Tax Benefits
When you purchase a term plan, you get Tax# Benefits as per applicable tax laws thus it will help you to save on tax.
Why Choose Tata AIA Life Insurance?
4T&C apply
Enrol in Tata AIA Vitality (Wellness Program)5
Tata AIA Vitality is a globally recognized, holistic and science-based wellness program that helps you understand and improve your health while also rewarding you.
On enrolling into the Wellness Program, you get an upfront discount6 of up to 10% on first year rider premium. The premium discount in the subsequent years may increase or decrease based on your Wellness status (Decided based on your engagement levels, i.e., completion of health assessments, achievement of fitness goals etc.).
Enrol in Tata AIA Vitality
(Wellness Program)5
Tata AIA Vitality is a globally recognized, holistic and science-based wellness program that helps you understand and improve your health while also rewarding you.
On enrolling into the Wellness Program, you get an upfront discount6 of up to 10% on first year rider premium. The premium discount in the subsequent years may increase or decrease based on your Wellness status (Decided based on your engagement levels, i.e., completion of health assessments, achievement of fitness goals etc.).
Frequently Asked Questions
What is a term life insurance plan?
A term life insurance plan is the simplest form of life insurance that offers a pure life cover. This type of insurance policy provides comprehensive life insurance coverage to you and your loved ones for a policy term of your choice and with a sum assured selected as per your needs. For pure term insurance plans, a lumpsum amount will be paid to the nominee of the life assured in case of any unfortunate event such as death of the life assured during the policy term.
Why should I buy a term insurance plan?
Term plans are considered to be quite popular as they offer higher life insurance coverage at very affordable premium rates. It is advisable to purchase a term insurance plan as they are quite flexible in terms of policy terms and premium payment terms, thus making term plans suitable for everyone’s insurance needs.
With pure life cover protection, term plans offer extensive coverage to your family, and in case of your demise during the policy term, the death benefit sum assured paid out to them can cover their financial needs for the years to come. You can simply choose a policy term, a premium payment term and a sum assured of your choice, depending on your needs, to provide the best possible life insurance coverage for your loved ones.
Is buying a term policy online safe?
Yes, buying a term insurance policy online with Tata AIA Life Insurance is a safe and secure process, right from the plan selection to the digital payment for the purchase.
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.
What are the benefits of Tata AIA Life Insurance Sampoorna Raksha Supreme?
Tata AIA Life Insurance Sampoorna Raksha Supreme offers the following benefits:
- You can enjoy a whole life coverage of up to 100 years^ under this policy which ensures comprehensive life insurance protection for your family throughout your lifetime. And in case of your demise before the end of the policy term, your family can avail of the death benefits for their financial security.
- With a choice of flexible plan options, you can choose the one that best suits your needs. This also comes with the choice of return of premium option, wherein you can get 105% return on premium** if you survive till the end of the policy term.
- The Life Stage option~~ enables you to increase your life insurance coverage at important milestones in your life and offers greater coverage for added financial responsibilities, such as your marriage or the birth or adoption of a child.
- As per Section 80C of the Income Tax Act, the insured can get a tax deduction of up to ₹1.5 Lakh on the policy premiums, subject to policy terms and conditions. In addition, the death benefit, and the maturity benefit, as per the policy terms and conditions, are also fully exempt from tax under Section 10(10D) of the Income Tax# Act.
- This policy comes with a choice of optional riders~ that you can add to your policy for enhanced coverage. Not only do these riders cover health emergencies but also specific unforeseen situations.
How fast is the claim settled?
With Express Claim, a unique service initiative, the Beneficiary can submit the necessary documents with our Rakshakarta agent who will initiate the claim process and ensure that the claim amount is received within 4 hours4.
4T&C apply
Can I increase my plan’s life cover during the policy term?
Yes, Tata AIA Life Insurance Sampoorna offers the Life Stage~~ benefit, which enables you to increase the sum assured coverage of your term life insurance plan at significant milestones. At the time of your marriage or during the birth/adoption of a baby, you can provide the appropriate documents as proof of the milestone and have your term insurance coverage increased through the Life Stage option.
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
- *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%.
- ~Illustrated Premium is the monthly premium excluding taxes for 20 yr. old female, Standard Life, Non-Smoker for 1 Cr. Sum Assured with Policy Term of 20 yrs. (Regular Pay) under Life Option. Please refer Benefit Illustration for more details. Premium is subject to applicable taxes, cesses & levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium. Tata AIA Life shall have the right to claim, deduct, adjust, recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy. Kindly refer the sales illustration for the exact premium.
- **Under 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.
- +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.
- ^Applicable for specific plan options. Please refer brochure for additional details.
- ~~Applicable for specific plan options. Please refer brochure for additional details
- @Term Benefit, Critical Illness, Accidental Death, Accidental Disability are available with Tata AIA Vitality Protect (A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V02) and Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V02 or any other later version).
- #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.
- 172,34,092 families protected till 31st March 2023.
- 2Retail Sum Assured for FY2023 is Rs 4,43,479 Crores
- 3As on 31st August 2023, the company has a total Assets Under Management (AUM) of Rs. 81,601.11 Crores
- 4Applicable to only non-early claims more than 3 years of policy duration, non-investigation cases, up to Sum assured of 50 lacs. Applicable for branch walk in. Time limit to submit claim to Tata AIA by 2 pm (working days). Subject to submission of complete documents. Not applicable to ULIP policies and open title claims.
- 5Tata 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.
- 6On enrolling into the Wellness Program, you get an upfront discount of 5% on 1st year premium for Accidental Death & Accidental Total & Permanent Disability Benefit and of 10% on 1st year premium for Term Booster benefit. 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 (applicable post premium payment Term) shall be 15% for Accidental Death & Accidental Total & Permanent Disability Benefit and 30% for Term Booster Benefit. Discount is driven by accumulated points which is achieved through wellness status. Please refer policy document for more details.
- 7Riders 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.
- Tata AIA Vitality Protect - A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V02), Tata AIA Vitality Health, A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V02), Tata AIA Non-Linked Comprehensive Protection Rider (UIN:110B033V03) - A Non-Linked, Non- Participating Individual Health Rider Tata AIA Non-Linked Comprehensive Health Rider (UIN: 110B031V03) - A Non-Linked, Non- Participating Individual Health Rider) 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.
- 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
- 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/0632
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