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IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER


Tata AIA
Smart Sampoorna Raksha Plus

A comprehensive solution that focuses on savings with market-linked returns~. Also, enjoy access to comprehensive wellness with Tata AIA Vitality## wellness program that helps you to understand, track and improve your health while also rewarding you with premium discounts!

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Plan Benefits

  • Grow your Wealth

    With this plan you get growth of investment with market linked returns~.

  • Attractive Refunds

    Refund of premium allocation charges and mortality charges at different points during the policy term

  • Investment choices

    Flexibility to invest in a variety of funds to suit your investment needs

  • Accidental Death^

    Safeguard your family with additional Sum Assured in case of Accidental Death and 2X Additional Sum Assured in case of unfortunate accidental death in public transport.

  • Accidental Total and Permanent Disability^

    In case of an accident, if you suffer a total and permanent disability due to the injuries, your family will receive a lump sum amount to replace the loss of income due to your disability under the Accidental Total and Permanent Disability Benefit.

  • Term Booster

    Sum Assured on Death or Terminal Illness

  • Return on Maturity

    Get the fund value on maturity from the base plan along with return of total rider premiums paid**.

  • Access To Tata AIA Vitality##, A Comprehensive Wellness Program

    As a holistic wellness-based program, Tata AIA Vitality can help you target and meet your health and fitness goals to achieve overall physical and mental wellness. It also offers you an upfront premium discount at policy inception. You can also earn premium discount / cover booster (as applicable) on every policy anniversary basis your Vitality Status (tracked on Vitality app). It also offers complimentary health check-up every year.

    • Click here to know more about how the wellness program works/how can you earn points and rewards.

  • Tax Benefits

    Save Income tax# as per applicable income tax laws

Plan Eligibility
 

Minimum Entry Age

18 Years

Maximum Entry Age

5 Pay – 52 Years

Other PPT– 55 years

Maximum Age at Maturity

Base Cover: 85 years

Term Booster: 85 years

Accidental Death, Accidental Total and Permanent Disability Benefit - 85 years

Policy term

30 or 40 years, subject to maximum Age at Maturity

Premium Payment Term (Years)

5/ 10/ 12 and Regular pay

Premium Mode

Annual, Half yearly, Quarterly and Monthly Mode

Sum Assured

Minimum

Maximum

Base (Life cover)

For 5 pay – 9L

Other PPT – 2.7L

Base (Life cover)

- 1 Crore

Term Booster, ADB and ATPD - Same as base

Term Booster, ADB and ATPD
– 1 Crore

Documents Required

PAN card

Aadhar Card

Bank statement

(for the previous 6 months)

Salary Slip

Income Tax Receipt

Disclaimer

  • 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.
  • The full name of Tata AIA Smart Sampoorna Raksha Plus is Tata AIA Life Insurance Smart Sampoorna Raksha Plus. This solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN:110L156V02), Tata AIA Vitality Protect Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V01).
  • ~Market-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.
  • **Return of Total Rider Premiums Paid (excluding loading for modal premiums) towards the respective Benefit Option, less any claim amount already paid out under the respective Option and any premium discounts availed under the wellness program such as premium discounts or premium cashback.
  • #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.
  • The solutions are not guaranteed issuance solutions and it will be subject to Company’s underwriting and acceptance. Benefits stipulated are available only if all the premiums are paid as per the premium paying term and the policies are in force till the completion of entire policy term opted for.
  • ^Critical Illness, Accidental Death, Accidental Disability are available with Tata AIA Vitality Protect Plus (UIN: 110A048V01 or any other later version)
  • 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 all the premiums paid.
  • Unit Linked Life Insurance products are different from traditional insurance products and are subject to risk factors. The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the “Company”). Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Life Insurance 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. 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.
  • Premium paid in 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. 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). All investments made by the Company 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 know the associated risks and the applicable charges, from your Insurance Agent or the Intermediary or Policy Document issued by the Insurance Company. Please make your own independent decision after consulting your financial or other professional advisor.
  • 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. The solutions are underwritten by Tata AIA Life Insurance Company Limited.
  • All Premiums, Charges, and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium, charges or interest. Tata AIA Life shall have the right to claim, deduct, adjust and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy. For more details on benefits, premiums and exclusions under the Rider(s), please refer to the Rider Brochures or contact Tata AIA Life's Insurance Advisor/Intermediary/ Branch.
  • ##On enrolling into the wellness Program, you get an upfront discount of 5% on first year premium for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care Benefits and of 10% on first year premiums of the other benefit options. 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 15% for 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.
  • 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 (Tata AIA Vitality) 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/Advt/2023/Jan/0111

Need more information?
Let us help you

TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in.

Looking to get a new plan? 
Connect with us now

+91

TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in.