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Tata AIA Life Insurance: Term Plan with Return of Premium

Term insurance plans are known to be quite flexible, affordable, and are suitable for nearly everyone. But since everyone’s insurance needs are different, Tata AIA Life Insurance brings to you the term plans with a return of premium option feature!

What is a Term Life Insurance Policy?

Term insurance is a form of life insurance policy that offers a pure risk cover to the policyholder’s family in the event of the policyholder’s untimely demise during the policy term. The sum assured or the death benefit of term insurance can be extensive enough to act as a strong financial support system for the bereaved family members while the premiums of term insurance policies are quite low and affordable. One can avail of a very large sum assured by paying nominal premiums unlike other types of life insurance policies that can account for costly premiums.

A pure or regular term life insurance policy does not have any maturity benefits, which means, if the policyholder outlives the policy term, no benefits will be offered to them or their family members. However, a term insurance policy can be a good way to fund any loans and debts a policyholder may owe so that the burden of any unpaid debts does not fall on the late policyholder’s family.

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What is TROP or Term Plan with Return of Premium?

 

A term plan with a return of premium works the same way as a term insurance plan, offering a risk cover to the policyholder and their family. However, the main distinction between a term plan and a term plan with a return of premium is the maturity benefit offered by the latter.

Under a term plan with return of premium (TROP), you will be eligible for a return of the premiums at the end of the policy term, if you survive that period. Like a pure term plan, a TROP also offers death benefits to the policyholder’s family in the event of death. Hence, a term plan with a return of premiums offers dual benefits under a single insurance plan.

While pure risk term insurance plans are meant for those seeking to protect their loved ones’ financial future, term plans with return of premium also serve the same purpose but with the added benefit of receiving the sum of all the paid premiums on maturity, subject to the policyholder surviving the policy term.

However, it is important to know that the premiums you pay towards a TROP policy will be slightly higher than that of a pure term insurance plan. This is why it is advisable to choose a TROP that enables you to pay reasonably priced premiums and enjoy the coverage of the policy. And like a term plan, the TROP should also offer sufficient coverage to your family so that their financial future can be well-protected.

 

How does a Term Plan with Return of Premium Work?

 

Term insurance with return of premiums offers additional benefits over a pure risk term plan cover and the flexibility of paying the premiums. Here, the policyholder can choose to pay the premiums as per a premium payment frequency of their choice. Tata AIA Life Insurance Sampoorna Raksha Supreme plan allows you to pay your renewal premium in Annual, Quarterly, Half-yearly, Monthly and Single payment option.

In a pure term plan with the If the policyholder passes away during the policy term, the family will receive the sum assured as a death benefit.

However, if the policyholder survives the policy term, they are entitled to a refund of the premium amount paid. For the maturity benefit in the term plan with returns, the policyholder can choose to receive the return of premiums payout as a lump sum or as an income option or a combination of both payout options, as they prefer. 

Product Snapshot

Tata AIA Life
Insurance

Sampoorna Raksha Supreme

Know More

  • Basic Sum Assured1

    ₹ 1,00,000

  • Choice of Plan Options

    Life, Life Plus, Life
    Income, Credit Protect

  • Life Cover up to

     

    100 years^

  • Rider Options

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

  • Premium Paying Options

    Single Pay, Regular Pay, Limited Pay, Anually, Half-yearly, Quarterly, Monthly.

  • Claim Settlement Ratio2

    98.02% in FY 2020 - 21

Who should buy a Term Plan with Return of Premium?

  • If You are Single

    As a single individual, when you buy a term plan with a return of premium can help you get life cover protection for your family, while the maturity benefits can act as an additional corpus once the plan matures.

    If You are Single

    As a single individual, when you buy a term plan with a return of premium can help you get life cover protection for your family, while the maturity benefits can act as an additional corpus once the plan matures.
  • If You are Married

    As a couple, it is always your duty to keep your spouse safe from uncertain events in life. With a term plan with a return of premium, you can ensure that your partner will be protected in the event of your demise while the maturity bonus can help them further on.

    If You are Married

    As a couple, it is always your duty to keep your spouse safe from uncertain events in life. With a term plan with a return of premium, you can ensure that your partner will be protected in the event of your demise while the maturity bonus can help them further on.
  • If You are Married and Have Kids

    Once children come into the picture, there are always more responsibilities. Hence, having a comprehensive life cover along with the benefit of the return of premiums on maturity can be a good option in such scenarios.

    If You are Married and Have Kids

    Once children come into the picture, there are always more responsibilities. Hence, having a comprehensive life cover along with the benefit of the return of premiums on maturity can be a good option in such scenarios.
  • If You are a Senior Citizen

    It is important for senior citizens to not only protect their families with a life insurance cover but also ensure that they have access to financial resources during their retirement. A return on premium term insurance fills this gap. 

    If You are a Senior Citizen

    It is important for senior citizens to not only protect their families with a life insurance cover but also ensure that they have access to financial resources during their retirement. A return on premium term insurance fills this gap. 

Features of a Term Plan with Return of Premium

  • Policy Term

    When you buy a term plan with a return of premium, it offers comprehensive life cover protection. With Tata AIA Life Insurance Sampoorna Raksha Supreme, you can enjoy a life cover of up to 100 years of age^ with a whole life cover as per the plan feature and ensure your family’s safety and security!

  • Policy Revival

    The term insurance with return of premiums can be revived before the date of maturity if the revival takes place within 5 years from the last unpaid premium. For that, the overdue premium payments need to be made along with an interest.

  • Dual Benefits

    A term plan with returns offers death benefits as well as maturity benefits. While the former is paid out to the nominees on the policyholder’s demise, the survival benefit is the return of the premiums.

  • Premium Paying Term

    Many Insurance companies offer flexible premium payment terms when you buy our term plan with a return of premium. You can pay your premiums monthly, quarterly, half-yearly, annually, or as a single premium payment.

  • Flexible Payout Option

    Insurance companies offer flexible payout option for Term Insurance plans. With Tata AIA Life Insurance Sampoorna Raksha Supreme, when you choose the Life Plus or Life Income option, you can choose to receive the payout in the form of a lump sum or as a monthly income of up to 60 months or a combination of both options.

  • Riders

    A term plan with return of premium can also be enhanced with optional riders** in the term plan that can help you cover emergency situations, especially emergency medical expenses, without affecting your family’s financial stability.

What are the Benefits of a Term Plan with Return of Premium?

Life Cover

Life Cover

A term plan with a return of premium offers a life insurance cover for your family, helping you keep them safe from any future uncertain situations in your absence. The life cover ensures that your family will have access to a financial support system in case of any such untoward misfortune.

Get your premiums back

Get your premiums back

As compared to a pure term plan, term plans with a return of premium enable you to enjoy a maturity benefit, where you receive a refund on your premiums. The Life Plus option of the Tata AIA Life Insurance Sampoorna Raksha Supreme offers an amount equal to 105% of the total premiums* paid towards the plan.

Death Benefit

Death Benefit

Being a term plan variant, a TROP also offers a death benefit to your nominees in case of your untimely demise during the policy term. Here, the nominees will be entitled to the death benefit as sum assured. 

Tax Benefits

Tax Benefits

Our term insurance plans with a return of premium comes with tax benefits as per the applicable tax~ laws.

Tata AIA Life Term Insurance Plans

 

Take a look at our popular term insurance plans:

Types of Term Insurance Plans

  • Term Insurance for Senior Citizens

    Term insurance plans are developed keeping in mind the requirements for senior citizens which offers whole life coverage and ensures that your dependents are financially protected in your absence.

    Term Insurance for Senior Citizens

    Term insurance plans are developed keeping in mind the requirements for senior citizens which offers whole life coverage and ensures that your dependents are financially protected in your absence.
  • Term Insurance for Spouse

    A term plan for your significant other can help you secure them against future financial uncertainties when you’re not around.

    Term Insurance for Spouse

    A term plan for your significant other can help you secure them against future financial uncertainties when you’re not around.
  • Term Insurance for Family

    By buying a term policy for your family, you can enable them to lead a life free from financial obligations in case of an unforeseen eventuality.

    Term Insurance for Family

    By buying a term policy for your family, you can enable them to lead a life free from financial obligations in case of an unforeseen eventuality.
  • Term Insurance for NRIs

    Get term life insurance coverage with a policy tenure, sum assured and premium payment options especially designed for NRIs.

    Term Insurance for NRIs

    Get term life insurance coverage with a policy tenure, sum assured and premium payment options especially designed for NRIs.

Why Should You Choose a Term Plan with Return of Premium Option?

 

Getting a term plan with a return of premium not only helps you secure your family’s future but also ensures that you have a financial plan that will help you fulfil certain goals in the future. By comparing and buying a policy online, you can select the best term plan with a return of premium. Below are some of the reasons why having a term plan with a return of premium can be suitable:

  • Maturity Benefit in the Form of Refund

    Out of the different types of term insurance plans, in a term plan with a return of premiums, the lumpsum premium amount is returned on the maturity of the policy, if the policyholder outlives the policy term. This ensures that the premiums paid over the policy tenure are not lost. A term insurance plan return of premium can be a good money-back plan where all the premiums paid over the years are refunded after the policy matures. 

  • Guaranteed Return of Premiums

    With a return of premium term life insurance, the benefits are guaranteed. You can be eligible for a refund that is equal to 105% of the total premiums* paid at the end of the policy term. Since there is no savings or investment component to a term plan with a return of premiums other than a life cover and a maturity benefit, the amount returned on maturity is guaranteed.

  • Options in Premium Payment

    The best term plan with return of premium allows you the flexibility to pay the premiums on a monthly, quarterly, half-yearly or annual basis. This ensures that you can chalk out your financial plans and also pay your policy premiums right on time without disrupting your other financial commitments and payment or overburdening yourself with too many payments at any given point in time. 

  • Paid-up Option for Non-earning Investors

    Term plans with return of premiums come with an option wherein the plan can be converted into a paid-up policy. Hence, in case you default on the premium payments due to some reason till the end of the grace period, the policy turns into a paid-up policy by default to prevent it from lapsing.

  • Enjoy Tax Benefits

    There are certain tax benefits that come along when you buy a term plan with a return of premium*. Under Section 80C of the Income Tax Act, you can claim a deduction of up to ₹1.5 lakhs for the premiums paid towards the policy while Section 10(10D) allows for a tax exemption on the death and maturity benefits offered by the term plan with return of premiums.

  • Gain Rider Benefits

    You can choose to enhance the benefits of your term plan with a return of premium with optional riders**. You can add a critical illness rider or a waiver of premium rider to your plan so that, in times of emergency, you do not have to compromise on your savings or premium payments and can easily avail of the additional rider coverage.

How to Choose a Life Insurance Plan with Return of Premium?

To find the right term insurance plan with a return on premiums, it is essential to check in on a few pointers. These are some things you should keep in mind before selecting your term plan with return on premium –

  • 01.

    Before the purchase, chart out the coverage amount that will keep your family comfortable in case of your sudden and untimely demise.

  • 02.

    Check if the premiums you are going to pay are well within your budget so that you do not compromise on other expenses or skip any payments.

  • 03.

    It is crucial that the claim settlement ratio of your insurance provider is high. It shows that they can undertake successful and timely claim settlements.

  • 04.

    The plan you select should allow for annual, half-yearly, quarterly, or monthly payments so that you find it easier to make the premium payments on time.

  • 05.

    If you are aware of these simple tips before purchasing a term plan with a return of premiums, you will be able to find a policy that fulfils your needs properly.

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

TATA AIA Life Insurance

Sampoorna Raksha Supreme

Key Features:

  • Option to get 105% return of premium*

  • Increase Life cover at Important milestones with Life Stage# option

  • Enhance your protection with optional riders**

  • Get tax benefits~ as per applicable tax laws

  • Get Online Medical Consultation Facility^^

  • Flexibility to choose plan option

Pure Term Insurance Plan vs. Term Plan with Return of Premium

Pure Term Insurance Plan

The simplest form of life insurance offering a pure risk cover.

Term plans only offer death benefits to the policyholder’s family in case of the former’s demise during tenure.

A term insurance policy is for those seeking a pure risk cover without any maturity benefits.

These plans can help protect your family from unpaid debts and loans in your absence.

Term Plan with Return of Premium

A type of term plan that offers a return on total premiums paid.

Return on premium term insurance plans offer death benefits as well as maturity benefits if the policyholder outlives the policy term.

These plans are designed to provide some returns on the policy once the plan matures.

These plans can help you earn a lump sum benefit at the end of the policy term.

InstaProtect Solution

 
Key Features:

  • Get comprehensive health and life cover protection

  • With Express Issuance*** get your policy issued instantly

  • Get Health Cover against 40 Critical Illnesses## with Critical Plus Benefit 

  • Get Tax Benefits$$ as Per Applicable Tax Laws

  • Option to get your premiums back at the end of the policy period wit

Why Should You Choose Us?

If you compare and choose your term plan carefully, you will be able to get the best term plan with a return of premium. Here are some of the reasons you should choose Tata AIA Life Insurance for your insurance needs –

 

  • 62 Lacs +

    Families protected so far

  • 98.02%

    2Claim Settlement Ratio for FY 2020-21

  • 4 Hours

    1Express Claim

  • AAA(Stable)$

    Rating by ICRA

Frequently Asked Questions on Term Plan with Return of Premiums

General Premiums Coverage Claim Others
What is the importance of term insurance policies?

Term insurance policies are important because they provide an assured life cover protection to your family. In the event of an unfortunate eventuality, the sum assured of the term insurance policy will offer financial support to your loved ones to secure their future.

Term Insurance Policies: How They Operate?

Term insurance policies offer a pure risk cover throughout the policy term. This risk cover helps your family avail of a sum assured in the event of your (policyholder’s) demise during the policy term. However, if you survive the term, a pure term plan will not offer any survival benefits.

What is the difference between term insurance and term insurance return of premium which one is better option and why?

Between term insurance and term insurance with return of premium, each one will be suitable for a policy buyer as per their needs. If someone only wants a pure risk cover then they can opt for a term insurance plan. But if someone wants to get the premium amount paid back on maturity, then they should buy a term plan with return of premium.

Which is the best term plan with return of premium?

The best term plan with return of premium would be the one that suits your insurance needs and provides adequate coverage to your family in case of an unforeseen misfortune. To select the best term plan with return of premium, it is important to calculate the premiums and compare the plans before making a final choice.

What is the catch with the term insurance plans with return of premium option?

A term insurance return of premiums is designed to offer the return of the total premiums paid only on maturity and not during the policy term. Moreover, if the policyholder passes on, then the bereaved family is entitled to the death benefits, which is the sum assured and not the return of the premiums. It is advisable to learn more about term insurance with return of premium plan before purchasing it.

What is the death benefit under return of premium term insurance plan?

Under a return of premium term insurance plan, the death benefit is the total sum assured of the policy that will be paid out to the nominee/nominees if the policyholder passes away during the policy term.

What Is the Grace Period In Term Plan With Return Of Premium?

Tata AIA’s term plan with return of premium has a grace period of 30 days for annual, half-yearly and quarterly frequencies from the due date of the last paid premium while the grace period for monthly frequency is 15 days from the due date of the last paid premium.

Can you get your money back from term insurance on maturity?

A pure term policy does not offer a money-back option since it is only designed to offer a pure risk cover or a death benefit. But in a term plans with return of premium, you can get a return of the premiums at the end of the policy term (on maturity).

What is the premium payment frequency under a TROP?

With a Tata AIA term plan with return of premium, you can choose from the monthly, quarterly, half-yearly, annual and single premium payment frequencies.

What happens if one is unable to pay the premiums?

If you are unable to pay the premium on your TROP until the end of the grace period, then your policy can be converted into a paid-up policy. Only once you pay all the unpaid premiums and revive your policy, can the plan become valid again valid.

Can I determine the term insurance cost before my purchase?

Yes, you can calculate your term insurance premiums online with a term insurance calculator before you compare and buy a policy that is not only affordable for you but also meets your needs.

How long should I keep my term life insurance?

You can choose to have term life insurance cover for as long as you need to. While most term plans offer coverage for a limited number of years, Tata AIA Life Insurance term plans offer a whole life cover. Whole life term insurance coverage of up to 100 years of age^ ensures that your family can be protected against life’s uncertainties for the maximum number of years.

What type of term coverage is a return of premium plan?

A return of premium term coverage offers a life cover and also a 105% return of the total premiums* paid towards the policy on maturity. This coverage offers the dual advantage of death benefits as well as maturity benefits.

Is there any term insurance plan offered by Tata AIA which provides a return of premium option?

Yes, Tata AIA Life Insurance offers a term insurance plan with return of premium. You can take a look at the policy here.

Are There Any Riders Available With TROP?

Yes, there are rider** options available with term plans with a return of premium policy and you can add the ones you need to your policy for an additional premium. Tata AIA Life Insurance offers the Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider and the Tata AIA Life Insurance Non-Linked Comprehensive Health Rider with its term plan with a return of premium.

How do I file a claim with Tata AIA for my term plan with return of premium?

You can file a claim with us through any of the following channels:

  • Call our helpline number - 1860-266-9966 (local charges apply)

  • Email us at: customercare@tataaia.com

  • Visit us at any of our Tata AIA Life Insurance Company branch offices

  • Write to us at:

The Claims Department,

Tata AIA Life Insurance Company Limited

B- Wing, 9th Floor,

I-Think Techno Campus,

Behind TCS, Pokhran Road No.2,

Close to Eastern Express Highway,

Thane (West) 400 607.

IRDA Regn. No. 110

What are the documents needed for filing a claim?

Please click here to know the list of documents needed for the claim intimation and settlement process.

When can I file a claim for a term plan with return of premium?

You, as a nominee, can file a death claim for a term plan with return of premium if and when the policyholder passes away during the policy term. You will need to present the appropriate documents and submit them to initiate the claim process.

What is the claim procedure of the nominee is outside of India?

If the nominee wants to file a claim from outside of India, they can upload copies of their documents online or send them to us by email. For the offline procedure, the nominee will have to mail the documents to their representative in India who can then visit any of our office branches to file the claim.

Can the claim be filed at the same branch from where the policy was purchased?

Yes, you can file the claim on your term insurance with return of premium at the same branch where the policy was purchased or you can visit any of the Tata AIA Life Insurance office branches to file a claim.

What is The Eligibility Criteria for a Term Plan with Return Of Premium?

The eligibility criteria for availing of a term plan with return of premium can vary according to the plan you select. However, the minimum eligible age for getting a term plan with return of premium is 18 years while the maximum age for the same can be capped at 65 years.

How Does Smoking or drinking alcohol habit Affect The Term Plan With Return Of Premium?

Yes, like any other life insurance policy, your smoking habits will affect your term plan premiums, be it a pure term plan or a return on premium term insurance. This is because smokers incur a higher risk in their lives as compared to non-smokers.

To Sum Up

 

Term insurance plans with return of premiums can provide an attractive life insurance cover at very reasonable premium amounts if chosen wisely. And apart from the life cover, these plans are can be useful if you want assured returns on your policy without any additional savings or risky investment components involved. Hence, calculate your premium payments, compare plans and choose a suitable term plan with return of premium policy with us today!

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

Disclaimer
  • *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

  • **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.

  • ~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.

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

  • #Option available with Life and Life plus option.

  • ^^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.

  • $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.

  • 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 policy, whichever is later. Subject to all the relevant terms and conditions of the policy contract.

  • 2Indiviual death claim ratio for FY 202-21 as per annual financial statements.

  • Tata AIA Life Insurance InstaProtect comprises Tata AIA Life Insurance Sampoorna Raksha Supreme (Non-Linked, Non-Participating, Individual Life Insurance Plan) (UIN: 110N160V02) - Life Option (in case Return of Premium is No) or Life Plus Option (in case of Return of Premium is Yes), Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (NLCPR) (UIN: 110B033V02) - A Non-linked, Non-participating, Individual Health Rider; Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (NLCPR) (UIN: 110B031V02) - A Non-linked, Non-participating, Individual Health Rider.

  • CritiCare Plus (CPB), Accidental Death Benefit (ADB), Accidental Total & Permanent Disability (ATPD) are benefit options available under Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (A Non-linked, Non-participating, Individual Health Rider) (UIN: 110B033V02 or any later version).  HospiCare Benefit (HCB) is a benefit option available under Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (A Non-linked, Non-participating, Individual Health Rider) (UIN: 110B031V02 or any later version)

  • ***Express Issuance for standard lives. The solution will be underwritten by Tata AIA Life Insurance Company Limited. Additional Requirements may be called at underwriters’ discretion.

  • ##Please refer brochure/s of above product and rider/s for additional details and Annexure for Definitions and Exclusions under these benefits

  • $$Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment 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 for tax implications mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you. Buying a life Insurance policy/rider is a long-term commitment. Early termination of the policy/benefit option under a rider usually involves high costs, and the surrender value payable may be less than all the premiums paid.

  • ^^^At the time of purchase, if the policyholder chooses to opt for a Return of Balance Premium option -For Sampoorna Raksha Supreme (Life Plus Option), an amount equal to the 105% of the Total Premiums Paid towards the product (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. For Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider and Tata AIA Life Insurance Non-Linked Comprehensive Health Rider, an amount equal to the Total Premiums Paid towards the respective benefit option (excluding loading for modal premiums), less any claim amount already paid out under the respective benefit option, shall be payable at the end of the benefit option term, provided the benefit option is not terminated.
  • L&C/Advt/2022/Jan/0131

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