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Tata AIA UPTO 18.5% + 2.5% FESTIVE OFFER
Sampoorna Raksha Promise
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Tata AIA Sampoorna Raksha Promise
Get ₹ 1 Crore life cover
Save ₹30k+ with online premium
Financial security: Comprehensive life cover to protect your family’s future
Pay later: Option to defer premiums by 12 months after 5 policy years without additional charge 3
Early payout on terminal illness: 50% of life cover paid on diagnosis of terminal illness. Remaining amount paid on death
Instant Claim payout: Get instant payout of ₹3 Lakh on claim intimation 4
Premium waiver: On diagnosis of terminal illness, future premiums will be waived off and policy benefits will continue
Premium back option: Get all premiums paid back at the end of policy term on survival 5
10% discount on 1 st year premium is applicable on online purchase .
8.5% discount on 1 st year premium is applicable for salaried personnel. You will need to share your corporate email ID if you opt for this discount.
This discount is auto-applied if you select ‘Salaried’ as your occupation and can’t be removed
Applicable only if the policy is bought digitally. You will get the higher of online or employee discount, not both.
2% discount on 1 st year premium on these milestones
*Policy issuance eligibility for female customers will be determined by Board Approved Underwriting Policy (BAUP)
The above milestones cannot be clubbed to avail more discount, Such discount shall be capped to a maximum of ₹500 over the year.
1% discount on 1 st year premium for all payments paid through any permissible electronic mode debited through an auto-debit mandate. Maximum discount capping: ₹100 over the year.
Tata AIA Maha Raksha Supreme Select
Get ₹ 2 Crore life cover
Save ₹39.58k with online premium
Pay later: Option to defer premiums by 12 months after 5 policy years without additional charge 1
Instant Claim payout: Get instant payout of ₹3 Lakh on claim intimation 2
Premium back option: Get all premiums paid back at the end of policy term on survival 3
Top-up benefit: Increase life cover to accommodate rising responsibilities like marriage or child birth
5% Neu-coins: Loyalty program benefit where you earn Tata Neu-coins on 1 st year premium payment 4
1% discount on health product premium every year Additional fund booster will be added at the end of the policy term which is a defined % of average fund value on the last business day of the last eight policy quarters (2 years)
Protection + Wealth Creation Plan
Tata AIA Param Raksha Life Pro +
Get ₹ 1 Crore life cover + Maturity Benefit
Actual 5-yr returns of Multi Cap Fund: 15.42%
Financial security: High life cover to take care of your family's needs in your absence
Wealth creation: Select from 20+ funds rated 4 or 5 stars 1 by Morningstar 2 to grow your wealth
Get 22.45% returns: 5-year returns of Tata AIA Top 200 Fund as of Dec’25. Benchmark returns: 14.86% 3
Inbuilt coverage: Coverage against accidental death or permanent disability. 2X cover due to accident in public transport. 10% life cover paid on diagnosis of terminal illness 4
Premiums back: At the end of the policy term, get all premiums paid back 5
Refund of 2X premium allocation charges: 2X of the amount deducted will be added to the fund value from 10 th policy year in units
Refund of mortality charges: Mortality charge deducted will be added back to the fund value every month from 11 th policy year in units
Free fund switches: Unlimited fund switches available to maximize your returns
Partial withdrawal: Withdraw anytime after 5 years at no extra charge. Multiple withdrawals allowed
Tax benefit: Avail tax benefit under Section 80C on premiums paid and section 10(10D) for maturity benefit. Death benefit is completely tax free 6
Complimentary Doctor Teleconsultations: Connect with top doctors in a few clicks - anytime, anywhere
10% discount on 1 st year premium of Tata AIA Health Buddy is applicable on online purchase. This discount is auto-applied and can’t be removed
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Individual Death Claim Settlement Ratio 1
All funds rated 4 or 5 stars 2 by Morningstar 3
Express Claim Settlement 4
Families protected so far 5
Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V11)
Premiums shown are for non-smokers.
1 Illustrated premium of ₹826 is the monthly premium excluding taxes for a 25 yr. old Male, Standard Life, Non-Smoker for ₹1 Cr. Sum Assured with Policy Term of 35 yrs. (Regular Pay) under Life Promise Option of Tata AIA Sampoorna Raksha Promise. Please refer Benefit Illustration for more details.
2 Individual Death Claim Settlement Ratio is 99.41% for FY 2024-25 as per latest audited figures.
3 With FlexiPay Benefit, policyholder is allowed to defer the due premium for a period of 12 months while maintaining the full risk cover under the base plan and attached riders. At the end of Premium Deferment period, the policyholder is required to pay the due premiums, including the premium applicable for the period of Premium Deferment, i.e. the base cover premium and additional premium (if any). This benefit shall be available for multiple times with a gap of 5 policy years from the expiry date of previous Premium Deferment. The option can be exercised only after payment of 5 full years premium. No interest shall be levied on the premium due during the Premium Deferment period. If the premiums due are not paid within the grace period after expiry of the Premium Deferment, the Policy (including Rider(s), if any) shall lapse and no benefits shall be payable in the Policy or the Rider(s), if any) and company shall be entitled to recover the same from any amounts or This benefit payable under the Policy or Rider(s).
4 With this feature, instant death benefit of ₹3 Lakh from the Sum Assured will be paid within 1 working day from the claim registration date. This feature is applicable only after a waiting period of 3 policy years from the policy inception or revival of the policy and provided the policy is in force. The remaining sum assured shall be payable post the completion of the claim investigation. Further, in case of any discrepancy in the claim investigation resulting in the final decision of non-payment of the claim, the company reserves the right to recover the already paid amount. The acceleration of instant claim should not be construed/interpreted as acceptance of the claim. Applicable only for policies with minimum Sum Assured of ₹1 Cr.
5 Under Life Promise Plus Option, an amount equal to the 100% 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.
6 No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. The Tax-Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. Insurance cover is available under this product.
Tata AIA Maha Raksha Supreme Select - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V14)
1 With this feature, policyholder is allowed to defer the due premium for a period of 12 months while maintaining the full risk cover under the base plan and attached riders. At the end of Premium Deferment period, the policyholder is required to pay the due premiums, including the premium applicable for the period of Premium Deferment, i.e., the base cover premium and additional premium (if any). | FlexiPay Benefit shall be available for multiple times with a gap of 5 policy years from the expiry date of previous Premium Deferment. The option can be exercised only after payment of 5 full years premium. | No interest shall be levied on the premium due during the Premium Deferment period. If the premiums due are not paid within the grace period after expiry of the FlexiPay Benefit, the Policy (including Rider(s), if any) shall lapse and no benefits shall be payable in the Policy or the Rider(s), if any) and company shall be entitled to recover the same from any amounts or benefits payable under the Policy or Rider(s). | Please refer the sales brochure and policy document for more details.
2 With this feature, instant death benefit of ₹3 Lakh from the Sum Assured will be paid within 1 working day from the claim registration date. This feature is applicable only after a waiting period of 3 policy years from the policy inception or revival of the policy and provided the policy is in force. The remaining sum assured shall be payable post the completion of the claim investigation. Further, in case of any discrepancy in the claim investigation resulting in the final decision of non-payment of the claim, the company reserves the right to recover the already paid amount. The acceleration of instant claim should not be construed/interpreted as acceptance of the claim. Applicable only for policies with minimum Sum Assured of ₹1 Cr.
3 If Return of Balance Premium option is chosen with any of the benefit option/s, an amount equal to the Total Premiums Paid (excluding loading for modal premiums) towards the benefit option, 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.
4 Earn flat 5% Tata NeuCoins on insurance premium payment for Limited/Regular Pay policies, applicable for the 1st year. For Single Pay policies, 0.5% of premium can be earned as NeuCoins. There’s no capping on the maximum amount that can be earned. Benefits will reflect in your Tata Neu wallet 30 days after policy issuance. These points can be used to shop on Tata Neu across various categories like fashion, electronics and groceries.
5 No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. The Tax-Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
This advertisement is designed for combination of benefits of following individual and separate products named (1) Tata AIA Smart Sampoorna Raksha Supreme Unit Linked, Non-Participating Individual Life Insurance Plan (UIN: 110L179V02) and (2) Tata AIA Health Buddy, Non-Participating, Non-Linked, Individual Health Product (UIN: 110N183V01). These products are also available for sale individually without the combination offered/suggested. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein before concluding sale.
Accidental Death, Accidental Disability, Terminal Illness with Term Booster are available with Tata AIA Health Buddy (UIN:110N183V01).
1 All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of August 2025.
2 ©2025 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 data published on various dates and procured from various sources and (5) shall not be construed as an 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 trading decisions, damages or other losses resulting directly or indirectly from the information.
3 5-year computed NAV for Tata AIA Top 200 Fund as of December 2025. Other funds are also available. Benchmark of this fund is S&P BSE 200.
4 The Insured Amount under Terminal Illness with Term Booster option (in Health Buddy) is payable on earlier of death or diagnosis of Terminal illness of the Life Insured. Please refer Terms and Conditions for more details.
5 On survival to the end of the policy term, the Total Fund Value including Top-Up Premium Fund Value valued at applicable NAV on the date of Maturity will be paid.
7 Health check up includes Thyroid Profile, HbA1C, BSL, Cholesterol, BMI, Vit B12, Vit D, CBC (For Woman - Additional Test for Anaemia, PCOS, PAP Smear)
In this policy, the investment risk in investment portfolio is borne by the policyholder.
The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year.
Linked Life Insurance products are different from traditional insurance products and are subject to risk factors.
The premium paid in Linked Life Insurance policies is subject to investment risks associated with capital markets and publicly available index. The NAV of the units may go up or down based on the performance of Fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions.
Tata AIA Life Insurance Company Limited is only the name of the Life Insurance Company & Tata AIA Smart Sampoorna Raksha Supreme is only the name of the Linked Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the insurance company.
The 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.
Past performance is not indicative of future performance.
If your policy offers variable benefits, then the illustrations on this page will show two different rates of assumed future investment returns. Currently the gross investment returns are stipulated as 4% p.a. and 8% p.a. These assumed rates of return are not guaranteed, and these are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including actual future investment performance.
1 Individual Death Claim Settlement Ratio is 99.41% for FY 2024-25 as per latest audited figures.
2 All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of August 2025.
3 ©2025 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 data published on various dates and procured from various sources and (5) shall not be construed as an 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 trading decisions, damages or other losses resulting directly or indirectly from the information.
4 Applicable to only non-early claims more than 3 years of policy duration, non-investigation cases, up to Sum assured of ₹50 Lakh. Applicable for branch walk in. Time limit to submit claim to Tata AIA by 2 pm (working days). Subject to submission of complete documents. Not applicable to ULIP policies and open title claims.
5 89,43,554 families protected till 31st May 2025.
L&C/Advt/2026/Feb/0892
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