IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
Tata AIA Life Insurance
Smart Sampoorna Raksha
Unit-linked, Non-participating, Individual
Life Insurance Plan
for Savings and Protection
IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
Tata AIA Life Insurance
Smart Sampoorna Raksha
Unit-linked, Non-participating,
Individual Life Insurance Plan
for Savings and Protection
Power of three plans
at the comfort of one.
Say yes to a triple-power
wealth plan
Share Your Details For A Call Back
Choose a plan that offers Health+Wealth+LifeCover
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Returns + Peace of Mind
Growth of Market-Linked Investments+ + Full Security of a Trusted Plan
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Protection + Prosperity
Get protection against 3Ds: Death, Diseases & Disability + Attractive Refunds of Premium at regular intervals
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Options for Growth + Opportunity to Save
Choose from 11 Expert Rated Funds to Invest + Enjoy Tax Benefits* on Premiums paid
Market-linked Returns+. Tata AIA backed Protection.
Uncertain times demand innovative solutions. Tata AIA's Smart Sampoorna Raksha is a market-linked protection plan that gives you the dual benefit of insurance and investment. We make sure that your money grows steady over time through a bouquet of 11 expert rated funds (rated^ 4 or 5 by Morningstar~) while also securing adequate life cover to safeguard your family’s future. It is Smart because it encourages you to remain invested in the long-term through attractive refunds. It is Sampoorna because it provides comprehensive protection against the 3Ds – Death, Disability & Diseases. It is Raksha because it comes with #TataAIAkaBharosa.
Now choose the fund to grow your own fortune and guard your family’s future. All at the same time!
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Extended life cover
up to the age of 100
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Complete Health Protection
with 40+ Critical Illnesses Covered
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Assured market-linked returns+
paid at the end of Policy Term
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Additional Coverage
Accidental Death + Permanent Disability Benefit
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Hospital Cash Benefit
Per day Hospitalization Benefit @ 0.5% of Sum Assured
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Higher Flexibility
Choose from 11 expert rated fund options ranging from equity to debt-oriented
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Avail tax benefits
as per applicable tax laws*
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No medicals.
No paperwork
Why Tata AIA Life Insurance?
67 Lakh families3
Insurance of choice for
98.53%
of Claim Settled2 in FY2021-22
4 hours only1
Claims paid within
AAA(Stable)
Rated by ICRA$
What makes Smart Sampoorna Raksha a comprehensive plan?
Choosing a comprehensive savings plan is a wiser investment option because such a plan ensures a truly comprehensive protection. Smart Sampoorna Raksha offers a lot more growth opportunity, protection and coverage than a pure term insurance plan.
✔ Market-link Returns+
✔ Life cover
✔ 40+ Critical Illness Cover
✔ Protection against Death & Disability
This is made possible by bringing together a trusted unit-linked savings and protection plan, with a comprehensive protection rider and a health rider. So you get to secure your and your partner’s future as well as nurture your kid’s future, by buying just one policy.
Plus, you also get to pay as per your convenience with the flexibility to choose between 5 years, 10 years, 12 years or regular pay premium plans.
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PRODUCT DISCLAIMERS
- Linked Insurance Products 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.
- #Tata AIA Life Insurance Linked Comprehensive Protection Rider, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A032V02) and Tata AIA Life Insurance Linked Comprehensive Health Rider, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A031V02). Riders are not mandatory and are available for a nominal extra cost. For more details on benefits, premium charges and exclusions under the Rider(s), please contact Tata AIA Life's Insurance Advisor/ Intermediary/ Branch.
- *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 on this site. Please consult your own tax consultant to know the tax benefits available to you.
- **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.
- Insurance cover is available under this product. This product is underwritten by Tata AIA Life Insurance Company Limited. The plan is not a guaranteed issuance plan and it will be subject to Company’s underwriting and acceptance. This product will be offered to Standard lives only.
- 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.
- The fund is managed by Tata AIA Life Insurance Company Ltd.
- 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.
- 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).
- Please make your own independent decision after consulting your financial or other professional advisor.
- Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
- 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. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.
- 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.
- Premium paid in the 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.
- Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the Insurance Company.
- ^on a 5-year basis as of July 2021.
- ~©2020 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited ("Morningstar"); (2) may not be copied, redistributed or used by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from the data published on various dates and procured from various sources and (4) shall not be construed as a n offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates or agents shall be responsible or liable for any traducing decisions, damages or other losses resulting directly or indirectly from the information
- Tata AIA Life Insurance Smart Sampoorna Raksha -Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN:110L156V02)
- Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection
- **Individual Life Claim Settlement Ratio is 98.53% for FY 2021 - 22 as per the latest annual audited figures.
- 1Claims beyond three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the polic,whichever is later. Subject to all the relevant terms and conditions of the policy contract.
- 2Indiviual death claim ratio for FY 2021-22 as per annual financial statements.
- 367 Lakh + as on 30th June 2022
- $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.
- +Investments 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.
- L&C/Advt/2022/May/0934
