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A Non-Linked Non-Participating Individual Life Insurance Plan (UIN:110N160V03)
Gift your family a financially-secured future with a comprehensive
term life insurance that offers you larger cover, higher security, and
speedy settlement.
Enjoy long life cover up to the age of 100 years^
Increase life cover at important milestones with Life stage option*
Save taxes as much as Rs. 46,800#
Get 1 Crore life cover
@Rs. 424/month$$
Get 1 Crore life cover
@Rs. 424/month$$.
Personalise your plan as per your priorities.
with Life Plus option**
at important milestones*
Inbuilt privileges
claim settlement4
health consultation5
4T&C apply
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Sampoorna Raksha Supreme – A Term Plan
With Life Plus plan option you can get up to 105% of the premium** amount you paid.
With the Life Stage* option benefit, you can Increase policy cover at important milestones such as home loan disbursal, marriage, or birth of your child.
You can get whole life coverage up to 100 years of your age^ to guarantee long-term financial security for your loved ones.
Riders are add-on cover to the base policy which provide additional benefits. Choose an optional rider## with your policy for coverage against critical and terminal illnesses, accidental death, etc.
When you buy a term insurance plan, you can avail tax~ benefits as per the applicable Income tax laws and save up to Rs. 46,800# in taxes every year.
Instant Online Medical Consultations5 for 23+ specialties. Connect with a doctor in 180 seconds. 24x7 doctor availability and instant connection reduces the need to visit doctors.
Benefit Illustration
Nakul is a 35-year-old healthy male. Having recently become a father, he feels that it is his responsibility to ensure the financial security of his family for which he opts for Tata AIA Sampoorna Raksha Supreme Term Plan and chooses the Life Option.
AGE
35
Year 0
Life cover of ₹1 Cr from day 1
Nominee will receive lump sum death benefit of ₹1 Cr & policy terminates
AGE
75
Year 40
No benefit will be paid and life cover ends
Rahul is a healthy, 35-year-old male. Being the sole breadwinner of his family, he works hard to ensure their well-being. He opts for Tata AIA Sampoorna Raksha Supreme with Life cover of ₹1 Crore and also opts for Accidental Total and Permanent Disability (ATPD) rider of ₹1 Cr and CritiCare Plus (CCP) rider of ₹10 Lakh.
Base plan:₹19,200
ATPD: ₹2,700
CCP: ₹5,590
AGE
35
Year 0
Life Cover of ₹1 Cr + Accidental Total & Permanent Disability of ₹1 Cr + Critical Illness Benefit of ₹10 Lakh
AGE
50
Year 15
Rahul gets lump sum of ₹1 Cr & ATPD rider terminates
AGE
65
Year 30
Rahul gets lump sum of ₹10 Lakh & CCP rider terminates
Nominee will receive lump sum death benefit of ₹1 Cr & policy terminates
AGE
75
Year 40
No benefit will be paid and life cover ends
Sameer is a 35-year-old working professional. He and his wife have jointly taken a home loan and are also supporting their ageing parents. Sameer wanted a plan with life cover to provide financial security for his family but wanted to get back the premiums in case no event occurs. So, he opts for Tata AIA Sampoorna Raksha Supreme Term Plan with the Life Plus Option
AGE
35
Year 0
Life cover of ₹1 Cr from day 1
Nominee will receive lump sum death benefit of ₹1 Cr & policy terminates
AGE
75
Year 40
Sameer will receive a maturity benefit of ₹13,77,260 & life cover ends
Your claim settlement is our priority. Get your claim settled in 4 Hours with our Express Claim Service4
4T&C apply
Get income tax~ benefits as per applicable income tax laws
The plan includes flexible premium payment options for you, which allows you to pay for the policy coverage at your convenience. Under this policy, you can choose from single, monthly, half-yearly, quarterly, and yearly premium payment frequency options.
The premium rates for women policyholders will be preferential as compared to smokers, non-smokers or also their male counterparts. Women policyholders or female life insured can get preferential premium rates on their insurance policy.
Secure your family’s financial future and ensure they live a life with the same lifestyle even in your absence with the death benefit pay-out.
Choose from four flexible plan options under this policy, each designed to serve your unique insurance needs. You can opt for the Life Option, Life Plus Option, Life Income Option and Credit Protect Option, as per your life cover needs.
The policyholder can choose the Income Start Age to begin receiving regular monthly income, as per the applicable plan option. You can select the Income Start Age at the age of 55, 60 or 65 years, based on your last birthday, to start receiving your regular monthly income for a peaceful life, free from financial worries.
Provided all premiums are paid on time, you will enjoy the benefits of the return of premium** payment upon policy maturity.
Term1 insurance serves an important purpose of providing a protective life cover to your loved ones and securing them against financial hardships in your absence. However, at some of the various stages of life, our insurance needs also change.
The Tata AIA Sampoorna Raksha Supreme Plan can help you meet certain important milestones and aid you in securing the financial future of your loved ones better at various stages of life. Besides, there are multiple advantages of buying a term insurance plan early.
The Tata AIA Life Insurance Sampoorna Raksha Supreme has been designed as a comprehensive solution to meet individual insurance needs, irrespective of age group, profession, life stage, etc. With a complete solution such as this, you and your family are protected against the financial insecurities and uncertainties as well as critical ailments, accidental death, major and minor injuries and illness, and much more!
Life, Life Plus, Life
Income and Credit Protect
100 years
Tata AIA Vitality Health - A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V01)
Tata AIA Vitality Protect - A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V01)
Tata AIA Non-Linked Comprehensive Protection Rider - A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V02 or any other later version)
Tata AIA Non-Linked Comprehensive Health Rider - A Non-Linked, Non- Participating Individual Health Rider (UIN: 110B031V02 or any other later version)
Single payment, Annual payment, Half-yearly payment, Quarterly payment, and Monthly payment options
98.53% in FY 2021 - 22
2T&C apply
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Why Do You Need Tata AIA Sampoorna Raksha Supreme?
The Tata AIA Sampoorna Raksha Supreme and its flexible plan options are designed to help you meet your insurance needs. At each life stage, regardless of one’s gender, occupation, age, etc., this plan can prepare your family for life’s uncertain events.
When it comes to choosing a simple life cover, you can opt for the Life Option to secure the needs of your loved ones in your absence.
If you want a return on the premiums of your insurance plan, the Life Plus Option enables you to receive 105% of the total premiums** paid on your base plan as a survival benefit.
The Life Income Option offers regular income as well as a death benefit. You can choose to receive the income payouts at convenient age selected by you.
The Credit Protect option offers a pure risk cover that you can use to protect your dear ones against unpaid loans and debts in your absence.
All the plan options offer an in-built Payor Accelerator Benefit advances a benefit equal to 50% of your sum assured if you are diagnosed with a terminal illness.
Additionally, you can also enhance your life insurance coverage with the rider## options available for all the plan options.
Know the Right Plan Option for You
Tata AIA Sampoorna Raksha Supreme |
||||
Plan Option |
Life |
Life Plus |
Life Income |
|
Entry Age (Years) |
Minimum |
18 |
18 |
20 |
Maximum |
65 |
65 |
60 |
|
Maturity Age (Years) |
Minimum |
23 |
28 |
65 |
Maximum |
100 |
100 |
100 |
|
Pay Premium For (Premium Payment Term in Years)
|
Minimum |
• Single Pay
|
• Single Pay
|
• 5 to 15
|
Maximum |
• Single Pay
|
• Single Pay
|
• 5 to 15
|
|
Stay Covered For (Policy Term in Years) |
Minimum |
10 |
• Single Pay - 10 |
10
|
Maximum |
82 |
• Single Pay - 40 |
80
|
|
Life Cover Amount (Base Sum Assured in Rs) |
Minimum |
50 lakhs |
50 lakhs |
50 lakhs |
Maximum |
No Limit (Subject to Board approved underwriting policy (BAUP)) |
No Limit (Subject to Board approved underwriting policy (BAUP)) |
No Limit (Subject to Board approved underwriting policy (BAUP)) |
|
Premium Payment Mode |
Annual Semi-annual Quarterly Monthly |
Annual Semi-annual Quarterly Monthly |
Annual Semi-annual Quarterly Monthly |
|
Death Benefit |
Lump sum life cover paid to the claimant on death of the Life Assured |
Lump sum life cover paid to the claimant on death of the Life Assured |
Lump sum life cover paid to the claimant on death of the Life Assured |
|
Option To Cover till Age Of 100 (Whole Life Coverage)^ |
Yes |
Yes |
Yes |
|
Option To Get Your Premium Amount** Back |
No |
You can get 105% of total base plan premiums paid (excl. loading, taxes & discount) returned on survival |
No |
|
Increase Life Cover at Important Milestones* such as Marriage or Childbirth |
Systematic cover increase option available (Life Stage Option) |
Systematic cover increase option available (Life Stage Option) |
No |
|
Terminal Illness Cover |
Payor Accelerator Benefit – 50% of the base sum assured paid on terminal Illness and the remaining amount paid to the nominee on death of the Life Assured |
Payor Accelerator Benefit – 50% of the base sum assured paid on terminal Illness and the remaining amount paid to the nominee on death of the Life Assured |
Payor Accelerator Benefit – 50% of the base SA paid on terminal Illness |
|
Health Benefit |
Option to attach Tata AIA Vitality and Comprehensive Riders |
Option to attach Tata AIA Vitality and Comprehensive Riders |
Option to attach Tata AIA Vitality and Comprehensive Riders |
|
Income Benefit 6T&C apply |
No |
No |
Guaranteed6 tax-free income with option to choose income start age - 55, 60 or 65.
Flexibility to decide guaranteed6 monthly income amount. Income Rate ranges from 0.01% to 0.15% of the Base Sum assured per month in increments of 0.01% |
|
Tax Benefit Up to Rs. 46,800# |
Yes |
Yes |
Yes |
|
Wellness Program^^ |
Tata AIA Vitality membership at no cost available with optional Vitality Riders |
Tata AIA Vitality membership at no cost available with optional Vitality Riders |
Tata AIA Vitality membership at no cost available with optional Vitality Riders |
|
Upfront Premium Discount |
Upfront discount of up to 10%~~ on first year Rider premium |
Upfront discount of up to 10%~~ on first year Rider premium |
Upfront discount of up to 10%~~ on first year Rider premium |
|
Upfront Premium Discount |
Discount of up to 30%~~ on premium of Vitality riders based on wellness status and Benefit Option chosen |
Discount of up to 30%~~ on premium of Vitality riders based on wellness status and Benefit Option chosen |
Discount of up to 30%~~ on premium of Vitality riders based on wellness status and Benefit Option chosen |
|
Other Benefits |
Multiple options to pay premium – Single, Limited, and Regular Pay Preferential premium rates for female lives |
Multiple options to pay premium – Single, Limited, and Regular Pay Preferential premium rates for female lives |
Limited premium payment term of 5 and 10 years
|
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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. The rewards may be in the form of Discount on Premium, Cover Booster etc.
On enrolling into the Wellness Program with Tata AIA Vitality Protect / Tata AIA Vitality Health rider, you can get an upfront discount of up to 10% on your 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.).
Choose a Plan Option
Choose a Suitable Sum Assured
Select a Suitable Policy Term and Premium Payment Term
Add Optional Riders
Pay Premium
The Tata AIA Sampoorna Raksha Supreme and its flexible plan options are designed to help you meet your insurance need. At each life stage, regardless of one's gender, occupation, age, etc., this plan can prepare your family for life's uncertain events.
Tata AIA Life Insurance helps you settle your claims in three easy steps –
Our Easy Claim Initiative provides convenient claim service at your doorstep. The Beneficiary can call our helpline to schedule an appointment. Our Rakshakarta agent will visit your residence and help in completing the documentation and quickly initiate the claim process.
Also, with our Express Claims4 service, 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 hours.
4T&C apply
Term Life Insurance is a pure protection life cover product. In term insurance, the policyholder pays a specified sum as a premium to the life insurance company, and in return, the company provides life cover to the insured. On any unfortunate event such as death of the life assured, the pre-specified sum assured (also known as the death benefit) is paid out to the appointed nominee.
Term Insurance plans are affordable, and the premium amount is less if you buy at a younger age. Term insurance plans are a must-have for anyone who is a breadwinner for their family and has loved one’s dependent on their income.
Why should I buy a term insurance plan?
Term insurance plans offer a high sum assured for a low premium cost as compared to other life insurance policies. These plans are perfect for people who are the bread earners in the family and have financial dependents. Here are a few reasons why you should buy a term life insurance plan:
Cost-effective coverage: Term insurance plans have one of the lowest premiums among life insurance policies. You can seamlessly get extensive coverage of up to Rs 1 crore well within your budget.
Safeguard your family's financial future: The death benefit pay-out from a term insurance plan will secure your family's financial future, even in your absence.
Customizable cover: You can enhance the coverage of the term plan with a choice of add on riders
Tax benefits: The premiums paid for a term insurance can used for availing income tax~ benefit as per applicable tax laws.
A pure term plan will provide only life cover and death benefits to the deceased policyholder’s family if the death occurs within the policy term. However, if the term plan offers a return on premium, then the total of all the premiums paid under the base plan will be paid back to the policyholder if they survive the policy term.
Who should buy term insurance?
Anyone who needs a pure risk cover, has financial liabilities and/or wants to secure their family against financial obligations in case of an unfortunate event should get a term insurance policy.
Is buying a term policy online safe?
Yes, purchasing a term policy online is safe. Also, the payment process is secured, and you get the benefit of easy access to your policy account, and more transparency and ease in paying the renewal premium.
Is Tata AIA Sampoorna Raksha Supreme a pure term plan?
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:
There are four types of plan options available under the Tata AIA Life Sampoorna Raksha Supreme plan:
When does the earliest one can choose to purchase the plan?
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.
Can I get maturity benefits with this plan?
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.
What are the different Death Benefit options available with the plan?
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.
Is it better to choose the Life Option or the Life Plus Option in the policy?
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:
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:
The death benefit under Tata AIA Sampoorna Raksha Supreme Plan is available under 3 options:
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.
|
Vitality Health (HospiCare) |
Vitality Protect (Term Booster, CritiCare Plus) |
Vitality Protect (Accidental Death, Accidental Total & Permanent Disability) |
Upfront discount on first year Rider premium |
10% |
10% |
5% |
Discount on renewal premium |
Up to 30% based on wellness status |
Up to 15% based on wellness status |
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