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A Non-Linked Non-Participating Individual Life Insurance Plan (UIN:110N160V02)

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Tata AIA Life InsuranceSampoorna Raksha Supreme

It is natural to seek a safe and secure life for yourself and, more importantly, your family. However, ensuring a safe financial future for them, especially in your absence, is also equally crucial. This is when your term plan should be able to offer 360-degree protection to them, to take care of their needs at all times.

Tata AIA Life Insurance Sampoorna Raksha Supreme is a comprehensive term life insurance plan that offers you flexible plan options to secure your family’s financial future. Experience our Rakshakaran ki Reet by protecting your family, from uncertainties of life.

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Benefits of Tata AIA Life Insurance

Sampoorna Raksha Supreme – A Term Plan

Option to Get 105% Return of Premium**

Option to Get 105% Return of Premium**

You can recover the premium you had paid during the policy tenure. Under the Life Plus option, you can receive 105% of the total premiums you paid towards the policy at the end of the policy term, on survival, if the policy is not terminated earlier.

Increase Life Cover at Important Milestones

Increase Life Cover at Important Milestones

Boost your life insurance cover to meet the increased financial needs and liabilities at different stages of your life. 

Get Whole Life Coverage

Get Whole Life Coverage

You can get whole life coverage up to 100 years of age^ to guarantee long-term financial security for your loved ones. 

Get Income Tax Benefits~ 

Get Income Tax Benefits~ 

When you purchase a term insurance plan, you get Tax Benefits as per applicable tax laws thus it will help you to save on tax.

Online Medical Consultation# Facility

Online Medical Consultation# Facility

The online medical consultation facility lets you access health management services from registered service providers, ensuring appropriate diagnosis and treatment for your ailment.

Enhance your Protection with Optional Riders##

Enhance your Protection with Optional Riders##

Riders are addon cover to the base policy which will provide additional benefits. Choose an optional rider for your policy for better coverage against critical and terminal illness, accidental death, etc., with a lump sum amount or income for a fixed period.

Highlights of Tata AIA Life Insurance 
Sampoorna Raksha Supreme

  • Multiple Payment
    Options

    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. 

  • Lower Premium
    Rates for Women

    The premium rates for women policyholders will be lower as compared to smokers, non-smokers or also their male counterparts. Women policyholders or female life insured can get lower premium rates on their insurance policy.  

  • Death Benefit
    Pay-out

    Secure your family’s financial future in your absence and ensure they lead an independent life in your absence with the death benefit pay-out. In case of death of the life assured for an in-force policy (all due premiums have been paid), the death benefi­t will be paid to the nominee as per the plan option chosen. 

  • Flexibility to
    Choose Plan Option

    Choose from four flexible plan options under this policy, each designed to serve your unique insurance needs. The Inbuilt Payor Accelerator Benefit pays out 50% of the Basic Sum Assured when you are diagnosed with a Terminal Illness. This pay-out is made in the form of a lump sum.

  • Option to get
    Income Pay-outs

    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.  

  • Maturity
    Benefits

    Provided all premiums are paid on time, you will enjoy the benefits of the return of premium** payment upon policy maturity. In the Life Plus option, a 105% return of the total premiums on the base policy will be paid out to you as maturity benefit. Under Life/Credit Protect/Life Income, only the total sum assured is paid to your family in case of your untimely demise during the policy term. 

  • Top-Up Sum
    Assured

    Get the option to beat the effect of inflation on your coverage with a regular increase in your sum assured. With the top-up premium feature, you can opt to increase your base sum assured by a fixed 5% for every policy anniversary by paying an additional premium for every increase. This option is available under the Life and Life Plus option and can be opted for at policy inception. 

  • Income Term and
    Payment Flexibility

    The income period refers to the specific number of years after the policy maturity date, wherein you receive the maturity benefit. The policyholder can choose an income term of up to 60 months after the maturity of the policy if they select the income option. Or one can also choose to receive the maturity benefit in the form of a lump sum at the end of the policy. 

Why is Term Insurance
Essential?

Term 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. 

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.

Get Large Cover
at Lower Premium

When you are young, you have limited responsibilities, and you are just starting your career. As a salaried individual, you should opt for adequate life cover protection for your family in return for affordable premiums that do not burden your earnings.

Early Mover
Advantage

With an increase in age, your premium may also increase. When you buy the term plan at an early age it is more affordable.

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.

Product Snapshot


Tata AIA Sampoorna Raksha Supreme Life Insurance Product Snapshot

Tata AIA Life
Insurance

Sampoorna Raksha Supreme
  • Basic Sum Assured1

    ₹ 1,00,000

  • Choice of Plan Options

    Life, Life Plus, Life
    Income, Credit Protect

  • Life Cover Upto

    100 years

  • Rider Options

    Non-Linked Comprehensive
    Protection Rider & Non-Linked
    Comprehensive, Health Rider

  • Premium Paying Options

    Single payment, Annual payment, Half-yearly payment, Quarterly payment and Monthly payment options 

  • Claim Settlement Ratio2

    98.02% in FY 2020 - 21

Traditional Term Insurance vs Tata AIA Life Sampoorna Raksha Supreme

Parameters

Return of Premiums

Whole Life Coverage

Comprehensive Financial Security

Choice of Premium Payment Options

Life Stage Option Benefit

Flexible Payout Options

Waiver of Premiums

Traditional Term Plans

Traditional term plans that offer a pure risk cover do not offer a return of premiums on survival.

These term plans offer pure risk cover only up to a limited number of years.

A simple and traditional term insurance plan only offers a death benefit to your loved ones.

Traditional term plans generally offer limited and fixed options when it comes to the payment of premiums in return for life cover protection.

Traditional term plans do not often offer the benefit of increasing the policy coverage systematically during important stages of your life.

There may not be much of a choice when it comes to receiving the death benefit payouts from a traditional term plan.

The term insurance coverage of a pure risk term plan ends when you are unable to make premium payments to uphold the policy.

Sampoorna Raksha Supreme

You can get 105% of the total premiums** paid as a survival benefit under the Life Plus Option.

Under this plan, you can avail of whole life coverage up to 100 years of age*.

With a range of rider options, you can be covered against critical illness, accidental death, etc., under this plan.

This solution allows you to choose between Single Pay, Limited Pay and Regular Pay as well as flexible premium payment modes.

The Life Stage Option benefit lets you increase your insurance cover by 25%, 50% or 100%, in accordance with the requirement during a certain life stage.

With our solution, you can opt for a lump sum payout or a regular income of up to 60 months or a combination of both options.

The rider option under this plan enables you to uphold the policy and waives off future premiums while keeping the policy in effect.

Who Should opt for Tata AIA Life Sampoorna Raksha Supreme?

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!

  • Young Individuals

    This plan can be quite beneficial for single individuals, who may be responsible for their aged parents’ care. In the absence of this individual, the life insurance cover will provide financial assistance to the senior parents. For such a person, the Life Option can be an ideal choice as it offers pure life cover along with an in-built Payor Accelerator Benefit that offers an additional benefit of 50% of the base sum assured in the form of a lump sum in case a terminal illness is diagnosed.

    Young Individuals

    This plan can be quite beneficial for single individuals, who may be responsible for their aged parents’ care. In the absence of this individual, the life insurance cover will provide financial assistance to the senior parents. For such a person, the Life Option can be an ideal choice as it offers pure life cover along with an in-built Payor Accelerator Benefit that offers an additional benefit of 50% of the base sum assured in the form of a lump sum in case a terminal illness is diagnosed.
  • Married Couples

    It is essential for newlyweds to buy a term insurance plan as with marriage you get additional responsibilities of your spouse. After your marriage, the Life Stage option from Tata AIA Life Insurance Sampoorna Suraksha Supreme benefit can be handy for helping you increase your sum assured by 50% to help you cover your partner and take care of newer responsibilities.

    Married Couples

    It is essential for newlyweds to buy a term insurance plan as with marriage you get additional responsibilities of your spouse. After your marriage, the Life Stage option from Tata AIA Life Insurance Sampoorna Suraksha Supreme benefit can be handy for helping you increase your sum assured by 50% to help you cover your partner and take care of newer responsibilities.
  • Young Parents

    Couples who are planning to or already have a child/children can utilise the plan’s Life Stage Benefit to increase their plan’s coverage by 25%. Apart from the life cover offered by base plan option, you can also choose to Top-Up their sum assured by 5% of the basic sum assured that was chosen at policy inception. At each policy anniversary, you can get this additional coverage with the payment of extra premiums.

    Young Parents

    Couples who are planning to or already have a child/children can utilise the plan’s Life Stage Benefit to increase their plan’s coverage by 25%. Apart from the life cover offered by base plan option, you can also choose to Top-Up their sum assured by 5% of the basic sum assured that was chosen at policy inception. At each policy anniversary, you can get this additional coverage with the payment of extra premiums.
  • Entrepreneurs

    In general, a term insurance policy can be helpful in protecting your family from the financial risks of unpaid business loans and debts in case of the untimely demise of the life assured. The extensive death benefit can handle all the unsettled debts while taking care of your family’s daily sustenance.

    Entrepreneurs

    In general, a term insurance policy can be helpful in protecting your family from the financial risks of unpaid business loans and debts in case of the untimely demise of the life assured. The extensive death benefit can handle all the unsettled debts while taking care of your family’s daily sustenance.
  • Retired Individuals

    The Life Income Option under this solution provides the dual benefit of death benefits as well as regular monthly income making it an ideal choice for a stable future income to safeguard the financial security of your loved ones. Therefore, while planning your retirement, the Life Income Option can enable you to receive a steady income from an Income Start Age at 55, 60 or 65 years, as selected by you. This way, you can continue receiving regular income through this plan option until your demise or till the end of the policy term.

    Retired Individuals

    The Life Income Option under this solution provides the dual benefit of death benefits as well as regular monthly income making it an ideal choice for a stable future income to safeguard the financial security of your loved ones. Therefore, while planning your retirement, the Life Income Option can enable you to receive a steady income from an Income Start Age at 55, 60 or 65 years, as selected by you. This way, you can continue receiving regular income through this plan option until your demise or till the end of the policy term.
  • Working Women

    Working women have responsibilities like looking after their family or old parents, managing their own expenses, making investments, planning a new business venture, their wedding, etc. In the absence of the woman, the sum assured of a term plan can effectively enable the bereaved family to take care of the financial responsibilities. Therefore, life insurance for women is a necessity.

    Working Women

    Working women have responsibilities like looking after their family or old parents, managing their own expenses, making investments, planning a new business venture, their wedding, etc. In the absence of the woman, the sum assured of a term plan can effectively enable the bereaved family to take care of the financial responsibilities. Therefore, life insurance for women is a necessity.

Why Do You Need Tata AIA Life
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.

  • 01.

    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.

  • 02.

    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.

  • 03.

    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.

  • 04.

    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.

  • 05.

    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.

  • 06.

    Additionally, you can also enhance your life insurance coverage with the rider## options available for all the plan options.

 Enhance Your Cover with These Riders

Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider

  • Additional coverage against unforeseen events like accidental death, accidental disability, critical illnesses including cancer and cardiac conditions, and terminal illnesses, and more.

  • Option to extend the rider coverage to protect your loved ones under the same plan.
    Option to receive the balance premiums on maturity.

Tata AIA Life Insurance Non-Linked Comprehensive Health Rider

  • Additional coverage against different risks such as hospitalisation, accidental disability and critical illnesses like cancer and cardiac arrests at minor and major stages, and more.

  • Coverage against major ailments as well as major and minor illnesses or injuries along with multiple claim payouts.

  • Flexible choice of benefit payout as a lump sum, monthly income for 10 years, or lump sum and income for a fixed period.

Eligibility

Tata AIA Life Insurance Sampoorna Raksha Supreme - LIFE OPTION

Plan Option

Minimum Age at Entry

Maximum Age at Entry

Age at Maturity

Premium Payment Mode

Premium Payment Term (PPT) - Minimum

Premium Payment Term (PPT) - Maximum

Life (POS)

18 years

60 years

65 years

Annual, quarterly, half-yearly, monthly, single

Regular Pay - 60 months, Limited Pay - 60 months

Regular Pay - 564 months, Limited Pay - 563 months

Life (non-POS)

18 years

65 years

100 years

Annual, quarterly, half-yearly, monthly, single

Regular Pay - 13 months, Limited Pay - 13 months

Regular Pay - 984 months, Limited Pay - 983 months

 

Tata AIA Life Insurance Sampoorna Raksha Supreme - LIFE PLUS OPTION

Plan Option

Minimum Age at Entry

Maximum Age at Entry

Age at Maturity

Premium Payment Mode

Premium Payment Term (PPT) - Minimum

Premium Payment Term (PPT) - Maximum

Life Plus (POS)

18 years

55 years

65 years

Annual, quarterly, half-yearly, monthly, single

Regular Pay - 120 months, Limited Pay - 60 months

Regular Pay - 480 months, Limited Pay - 479 months

Life Plus (non-POS)

18 years

65 years

100 years

Annual, quarterly, half-yearly, monthly, single

Regular Pay - 120 months, Limited pay - 60 months

Regular Pay - 480 months, Limited pay - 479 months

 

 

Tata AIA Life Insurance Sampoorna Raksha Supreme – CREDIT PROTECT OPTION

Plan Option

Minimum Age at Entry

Maximum Age at Entry

Age at Maturity

Premium Payment Mode

Premium Payment Term (PPT) - Minimum

Premium Payment Term (PPT) - Maximum

Credit Protect (POS)

18 years

60 years

65 years

Annual, quarterly, half-yearly, monthly, single

Regular Pay - 60 months, Limited Pay - 60 months

Regular Pay - 360 months, Limited Pay - 359 months

Credit Protect (non-POS)

18 years

65 years

95 years

Annual, quarterly, half-yearly, monthly, single

Regular Pay - 60 months, Limited pay -  13 months

Regular Pay - 360 months, Limited pay - 359 months

 

 

Tata AIA Life Insurance Sampoorna Raksha Supreme - LIFE INCOME OPTION

Plan Option

Minimum Age at Entry

Maximum Age at Entry

Age at Maturity

Premium Payment Mode

Premium Payment Term (PPT) - Minimum

Premium Payment Term (PPT) - Maximum

Life Income (non-POS)

30 years

50 years

100 years

Annual, quarterly, half-yearly, monthly, single

Regular Pay - N/A, Limited Pay - 60 months

Regular Pay - N/A, Limited Pay - 120 months

 

 

Documents Required

PAN card

Aadhar Card

Bank statement

(for the previous 6 months)

Salary Slip

Income Tax Reciept

How Does This Plan Work?

Step 1 - Choose a Plan Option

Tata AIA Life Insurance Sampoorna Raksha Supreme offers these four options:

  • Life Option - the Life Option offers a pure risk cover, where the policyholder selects a suitable sum assured during the purchase of the policy. In case of the policyholder’s unfortunate death, the sum assured is paid out to the nominee. If the policyholder opts for the Top-Up sum assured or Life Stage option, then the death benefit will include the additional sum assured. The Life Option also has an in-built Payor Accelerator Benefit, which provides 50% of the sum assured on approval of a terminal illness claim.

  • Life Plus Option - The Life Plus Option provides a risk cover that offers a death benefit on the passing of the policyholder during the policy term. This option also includes the Payor Accelerator Benefit, and in case the policyholder outlives the term of the policy, a maturity benefit, which is equivalent to 105% of the total premiums paid towards the base policy, is paid out to the policyholder.

     

  • Life Income Option- This option provides a monthly income payout to the policyholder along with death benefits for the nominees. This plan has an inbuilt benefi­t called “Payout Accelerator Bene­fit” wherein the benefi­t amount equal to 50% of the Effective Sum Assured (as on the date of diagnosis) is paid out as lumpsum on acceptance of Terminal Illness (TI) claim by us.

     

  • Credit Protect Option - The Credit Protect Option provides the total sum assured as a death benefit to the nominees of the policyholder, subject to the payment of all the premiums to date. This pure risk cover also comes with the Payor Accelerator Benefit that aids the policyholder through payment of 50% of the sum assured, which will be paid out as a lump sum on approval of a terminal illness claim.

     

Step 2 - Choose a Suitable Sum Assured

The basic sum assured that can be chosen for this policy is INR 1,00,000, and while there is no limit on the maximum sum assured amount, it is subject to approval from the Board’s underwriting policy.

Step 3 - Choose the Policy Term and Premium Payment Term






 Policy Term (PT)
 (Months)
 For PoS:
 Benefit 
 Option
 Regular
 Pay
 Limited
 Pay
 Single
 Pay
Min. Max. Min. Max. Min. Max
 Life 60 564 61 564 60 564
 Life
 Plus
120 480 120 480 120 480
 Life
 Income
 n/a  n/a  n/a  n/a  n/a  n/a
 Credit 
 Protect
60  360 61 360 60 360
 For Other than PoS
 Benefit
 Option
 Regular 
 Pay
 Limited
 Pay
 Single
 Pay
Min. Max. Min. Max. Min. Max
 Life  13   984  14  984 1 984
 Life
 Plus
120 480 120 480 120 480
 Life 
 Income
 n/a  n/a 240* 840  n/a  n/a
 Credit 
 Protect
60 360 61 360 60 360
*The minimum policy term will be subject to the 
minimum maturity age being atleast equal to 70 years.

 

 



 Premium
 Payment
 Term(PPT)
 (Months)
 Regular Pay - Equal to Policy Term, subject to
 the boundary conditions mentioned below.
 Single Pay - Lump sum at Policy Inception
 Limited Pay - Subject to the boundary 
 conditions below with maximum Premium
 Paying Term limited to Policy Term less
 1 month.


 For PoS
 Benefit 
 Option
 Regular 
 Pay
 Limited 
 Pay
 Min.  Max.  Min.  Max
 Life   60  564  60  563
 Life Plus  120  480  60  479 
 Life Income  n/a  n/a  n/a  n/a
 Credit
 Protect
 60  360  60  359

 

 



 Premium 
 Payment
 Term(PPT)
 (Months)
 For Other than PoS
 Benefit
 Option
 Regular Pay  Limited Pay
 Min.  Max.  Min.  Max
 Life  13  984  13  983
 Life Plus   120  480  60  479
 Life Income$  n/a  n/a  60  120
 Credit
 Protect
 60  360  13  359
 $This option is available only for 60 and 120 
 months under Limited Pay

 

Benefit Illustration

Life Option (Pure Term)

Sum Assured

1 Crore

Policy Term

Whole Life

Premium Payment Term

Regular Pay

Age Annual Premium Monthly Premium
Male Female Male Female
20 years ₹ 12,600 ₹ 10,700 ₹ 1,113 ₹ 945
25 years ₹ 15,700 ₹ 13,300 ₹ 1,386 ₹ 1,174
30 years ₹ 20,700 ₹ 17,600 ₹ 1,828 ₹ 1,554
35 years ₹ 27,900 ₹ 23,700 ₹ 2,464 ₹ 2,093
40 years ₹ 38,600 ₹ 32,800 ₹ 3,408 ₹ 2,896
45 years ₹ 53,800 ₹ 45,700  ₹ 4,035 ₹ 4,035

Life Plus Option
(Term + Return of Premium)

Sum Assured

1 Crore

Policy Term

40 years

Premium Payment Term

Regular Pay

Age Annual Premium Monthly Premium
Male Female Male Female
20 years ₹ 12,900 ₹ 11,000 ₹ 1,139 ₹ 971
25 years ₹ 16,400 ₹ 13,900 ₹ 1,448 ₹ 1,227
30 years ₹ 22,200 ₹ 17,600 ₹ 1,960 ₹ 1,669
35 years ₹ 31,600 ₹ 26,900 ₹ 2,790 ₹ 2,375
40 years ₹ 46,500 ₹ 39,500 ₹ 4,106 ₹ 3,488
45 years ₹ 72,100 ₹ 61,300 ₹ 6,366 ₹ 5,413

How to Register 

a Claim Online

All claim settlements are top most priority for us. When you register a claim with us, we know what it means to you and your family. Our trained team expertly examines your claim, and guides you to settle your claim in a seamless manner.

Tata AIA Life Insurance helps you settle your claims in three easy steps –

Step 01

Register you claim online & upload your documents

Step 02

Documents are verified & claim is processed

Step 03

Claim amount is disbursed
  • Doorstep claim services

    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.

  • 4 hour claim settlement"

    Also, with our Express Claims 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 hours3.


 

Frequently Asked Questions

General Policy Cover Premium Claim
What is a term life insurance plan?

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 the 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 ones 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.

Does term insurance only provide a pure life cover?

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 Life Insurance Sampoorna Raksha Supreme a pure term plan?

Tata AIA Life Insurance 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.

What are the major features of Sampoorna Raksha Supreme?

The Tata AIA Life Insurance 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

  • Option to avail medical second opinion/medical consultation/ personal medical case management#

  • 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

  • Lower premium rates for female policyholders

  • Tax benefits~ as per applicable tax laws

How many plan options can one choose under this policy?

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

When is 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.

What is the Inbuilt Payor Accelerator Benefit with this plan?

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 Life Insurance 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 Life Insurance 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.

Is there a critical or terminal illness benefit that comes with the plan?

Yes, all the plan options under the Tata AIA Life Insurance 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.

Can I increase my sum assured at specific stages of life with this plan?

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 Life Insurance 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 - 25%

  • 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.

Can I regularly increase the sum assured at every policy anniversary?

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

Does the plan have a Critical Illness cover? Which critical ailments are covered by the rider?

You can opt for any of the two riders - Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider or Tata AIA Life Insurance 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.

Can I increase my plan’s life cover during the policy term?

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.

What rider benefits are available with Sampoorna Raksha Supreme?

When it comes to Tata AIA Life Insurance Sampoorna Raksha Supreme, you get a choice of two riders with the base product:

a. Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider:

  • Choose one or more benefits from the accidental death benefit, accidental disability benefit, terminal illness and critical illness

  • Cover your loved ones under the same plan

  • Choice of benefit payout - lump sum + income, income till survival of partner or waiver of future premium

  • Return of balance premiums on maturity

b. Tata AIA Life Insurance Non-Linked Comprehensive Health Rider:

  • Get cover against major and minor illnesses, along with multiple claim payouts

  • 5 benefit options to choose from

  • Choice of benefit payout - lump sum + income for a fixed period or lump sum + monthly income for 10 years

  • Return of balance premiums on maturity

  • Family members can be covered under a single plan

What are the options under the premium payment frequency?

Under the Tata AIA Life Insurance 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.

Does the plan offer any preferential premium rates?

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

How can I buy Sampoorna Raksha Supreme plan online?

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

  • Visit the Tata AIA website. Go to 'Plans' --> 'Term Insurance' --> Sampoorna Raksha Supreme.

  • On the Product Page, click on 'Buy Online'.

  • 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.

What are the payout options under this plan?

The death benefit under Tata AIA Life Insurance 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

What happens to the policy after a terminal illness claim is settled?

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.

Can the claim payout be made online?

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

How many claims can I make under this plan?

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.

How do I file a claim for this plan?

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 Life Insurance 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.

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Disclaimer
  • *Option available with Life and Life plus option

  • ^ Applicable for Life, Life Plus and Life income options

  • **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.

  • # Medical Second Opinion/Personal Medical Case Management is an optional service offered to you at no additional cost. The eligibility of the Life Insured to avail these services shall be determined by the Company from time to time. You may exercise your own discretion to avail the services and to follow the treatment path suggested by the service provider. These services shall be directly provided by the service provider. The services can be availed only where policy/rider is inforce. All the supporting medical records should be available to avail the service. We reserve the right to discontinue the service or change the service provider at any time. The services are being provided by third party service provider and Tata AIA Life Insurance Company Ltd will not be liable for any liability.

  • ~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 implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.

  • ##Rider is not mandatory and is 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/ branch.

  • $Assigned the highest issuer rating of AAA by ICRA. Issuer Rating represents opinion on ability to pay policy-holder obligations and claims in a timely manner for an insurance company.

  • 1For PoS, the Basic Sum Assured shall be in multiples of INR 50,000

  • 2Individual Life Claim Settlement Ratio is 98.02% for FY 2020 - 21 as per the latest annual audited figures.

  • This plan offers pure risk premium option under Life Option and return of premium benefit under Life Plus Option along with other benefits. Please refer sales brochure for complete details.

  • 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. For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.

  • In case of sub-standard lives, extra premiums will be charged as per our underwriting guidelines.

  • 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.

  • Claims beyond three years from the date of issuance of policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later. Subject to all the relevant terms and conditions of the policy contract.

  • Claim Processing - All the relevant terms and conditions of the policy contract, including provisions in respect to claim procedure shall apply. Unit linked products; policies with unclaimed amounts or last premium payment not cleared are excluded.

  • 34 Hour claim processing is applicable for Tata AIA Life Insurance working days (Monday to Friday) up to 2 pm and also bank working days subject to submission of complete documents.

  • L&C/Advt/2021/Dec/2210

Need more information?

Let us help you

By submitting your details, you are giving your consent to receive SMS/Call by Tata AIA Life Insurance Company Limited or its representative, with reference to this solicited inquiry even though you may be registered on the DND list. L&C/Advt/2019/Jan/075

Looking to get a new plan? 

Connect with us now

+91

By submitting your details, you are giving your consent to receive SMS/Call by Tata AIA Life Insurance Company Limited or its representative, with reference to this solicited inquiry even though you may be registered on the DND list. L&C/Advt/2019/Jan/075