Tata AIA Sampoorna Raksha Supreme has four plan options, out of which the Life Option and the Credit Protect Option are pure term plans while the Life Plus Option and the Life Income Option offer return of premiums and a regular income option respectively, subject to terms and conditions.

The Tata AIA Sampoorna Raksha Supreme Plan is another addition to the Rakshakaran or Protection plan category of Tata AIA Life. The key features of the plan include:

• Choice of different death benefit options from Life Option, Life Plus Option, Life Income Option and Credit Protect Option
• Whole life coverage up to 100 years of age^
• Life Stage Option to increase the sum assured at critical stages of life
• Inbuilt Payor Accelerator to receive 50% of the sum assured in case of a terminal illness diagnosis
• Choice to receive death benefit payout as a lump sum, regular income, or lump sum + regular income
• Choice of the policy term and premium paying term
• Ability to choose from a list of unique riders for coverage enhancement
• Preferential premium rates for female policyholders
• Tax benefits~ as per applicable tax laws

There are four types of plan options available under the Tata AIA Life Sampoorna Raksha Supreme plan:

• Life Option - pure risk cover with a death benefit
• Life Plus Option - protection-oriented cover with a death benefit + return of premium on maturity)
• Life Income Option - pure risk cover with a death benefit + survival benefits as a regular income benefit during the policy term
• Credit Protect Option - pure risk cover with a death benefit in line with the outstanding loan amount

The minimum entry age for purchasing the policy and availing of its benefits is 18 years except for Life Income plan option where the entry age is 30 years. 

Under the Inbuilt Payor Accelerator Benefit, a pre-defined percentage of the sum assured is paid out to the policyholder on the confirmed diagnosis of terminal illnesses. The benefit paid out under this feature is a part of the base/effective sum assured, and the payout reduces the sum assured of the plan. Upon payment, the policy will continue with the reduced sum assured and applicable premiums.

For detailed information regarding the definition of terminal illness, the medical requirements, effective rates under different coverage options and other guidelines, kindly refer to the policy document.

Under Tata AIA Sampoorna Raksha Supreme Plan, you can get maturity benefits only under the Life Plus Option coverage. The coverage option pays out 105% of the total premiums** paid as a maturity benefit.

Under the Tata AIA Sampoorna Raksha Supreme plan, you get the flexibility to choose between Life Option, Life Plus Option, Life Income, and Credit Protect death benefit options.

The Life and Life Plus Option will provide the policyholder with insurance coverage if they pass away during the plan’s tenure.

The Life Income Option will provide the policyholder with income based on the income start age and income rate provided by the policyholder during policy initiation. The policyholder will get the income from the plan until the plan expires or they pass away.

The Credit Protect option will help the policyholder in taking care of outstanding loans or debts.   

If your requirements indicate the need for pure life cover protection, then the Life Option is the right choice for you. However, if you want to get more out of your term plan than life cover, then the Life Plus Option offers a 105% return of the total premiums^** paid on the base policy.

Yes, all the plan options under the Tata AIA Sampoorna Raksha Supreme have an inbuilt Payor Accelerator Benefit that offers 50% of the sum assured if the policyholder is diagnosed with a terminal illness and once the claim is approved.

Yes! We understand your need to adjust your term insurance coverage as per your changing liabilities. This is why we offer the Life Stage Benefit with our Tata AIA Sampoorna Raksha Supreme Plan. Under this option, policyholders can increase their sum assured at specific life stages by paying an additional plan premium. The sum assured can be increased by a predetermined percentage within 180 days of the following incidents:

• Marriage (only 1 marriage covered) - 50%
• Birth/Adoption of first child - 5%
• Birth/Adoption of 2nd child - 25%
• Home Loan Disbursal - 100% (subject to disbursal of home loan)

For detailed instructions, procedures, and eligibility for this feature, kindly read the policy document carefully.

Yes, the sum assured for the Tata AIA Sampoorna Raksha Supreme can be increased through the Top-up Sum Assured Option. 

You can opt for any of the two riders - Tata AIA Non-Linked Comprehensive Protection Rider or Tata AIA Non-Linked Comprehensive Health Rider for Critical Illness Cover. The detailed list of critical illnesses covered under the riders is available in the respective policy documents.

Yes, you can increase the life cover of your Life or Life Plus plan at any point in time with the Life Stage Option. This optional benefit, you can avail of additional life coverage for important milestones, as per the events and the percentage increase specified in the policy. You will have to increase the sum assured within 180 days of the event to avail of the additional coverage.

With the Top-Up Sum Assured option under your Life or Life Plus plan, you can choose to increase your life cover by 5% of the basic sum assured select at the policy inception. This increase can be opted for at every policy anniversary with an additional premium payment.

When it comes to Tata AIA Sampoorna Raksha Supreme, you get a choice of multiple rider^## options with the base product:

1. Tata AIA Vitality Health - A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V01)
2. Tata AIA Vitality Protect - A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V02)
   
3. Tata AIA Non-Linked Comprehensive Protection Rider - A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V02 or any other later version)
   
4. Tata AIA Non-Linked Comprehensive Health Rider - A Non-Linked, Non- Participating Individual Health Rider (UIN: 110B031V02 or any other later version)
   

Under the Tata AIA Sampoorna Raksha Supreme policy, one can opt for a single premium payment option or pay the premiums on a monthly, quarterly, half-yearly or annual basis.

Under the Tata AIA Sampoorna Raksha Supreme plan, non-smokers and women can get preferential premium rates. 

Tata AIA Life offers a seamless online process to buy their term plan Tata AIA Life Sampoorna Raksha Supreme:

• Visit the Tata AIA website. Click on “Buy Term Plan”
• Provide all the details as displayed on the screen. Provide the OTP shared on your Registered Mobile Number.
• Fill in all the details as prompted by the screen. Click on 'Get Quote'.
• The screen will display different plan options for you. Customize them as per your requirements.
• Add some more information needed to process your request. Click on 'Continue'.
• The screen will display a Plan Summary. Check the details and click on 'Continue'.
• ·Your policy number will be generated and displayed on the screen. Pay the final premium amount.

The death benefit under Tata AIA Sampoorna Raksha Supreme Plan is available under 3 options:

• Lump sum - a one-time payment of the entire base/effective sum assured
• Staggered Benefit: income stream, as stipulated by the policyholder, payable to the nominee for a fixed period and frequency
• Combination of lump sum and staggered benefit

Once the terminal illness claim is settled under this policy, the policy will continue to be in effect, and the due premiums will have to be paid. 

The claim initiation can be done online, and the claim payout can be made through NEFT. 

If you choose the Life/Credit Protect/Life Income plan option, your beneficiaries can make a single death benefit claim on your demise during the policy term.

If you opt for the Non-Linked Comprehensive Health Rider, you can make multiple claims under this optional rider^## benefit as per the coverage it offers.

If you want to raise a claim under this plan, you can choose any of the following channels – 

• You can visit our official website, go to the Claims page to upload your documents and register your claim online.

• For a chat-based service, type “CLAIM” and send it on our WhatsApp number 7045669966

• If you need the documents to be picked up from your home, give us a call.

• Look for your nearest Tata AIA branch office here and visit us.

• Get in touch with us on customer.care@tataaia.com or on our helpline number 1860-266-9966 or NRI number +91-80-67603700 for any claim-related assistance.