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- HomeLife Insurance PlansTerm Insurance Plans Tata AIA Sampoorna Raksha Supreme
Plan Snapshot
Personalise your plan as per your priorities.
Get 105% premium back
with Life Plus option**
Boost life cover
at important milestones*
Pay as per convenience
- Single/Annual/ Half-yearly/ Quarterly/Monthly
- Terminal illness benefit
- Special premium for females
Express 4 Hour
Add-on security (Riders) ##
- Enhance cover with Accidental death, Accidental Total & Permanent Disability
- 40 Critical Illness cover & Hospitalization Benefit
- Benefits
- Sample Illustration
- Highlights
- Product Snapshot
- More Details
- Know the Right Plan Option for You
- Vitality Wellness Program
- Additional coverage
- Download Documents
- FAQs
- Disclaimer
Benefits of Tata AIA
Sampoorna Raksha Supreme – A Term Plan
Get your Premium Amount Back
![Recover the premium paid during the policy tenure - Benefits of Tata AIA Life Insurance Sampoorna Raksha Supreme](https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/life-insurance-plans/term-insurance/sampoorna-raksha-supreme/Return-of-Premium.jpg)
Get your Premium Amount Back
With Life Plus plan option, you can get up to 105% of the premium** amount you paid.
Increase Life Cover at Important Milestones
![Increase Life Cover at Important Milestones - Benefits of Tata AIA Life Insurance Sampoorna Raksha Supreme](https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/life-insurance-plans/term-insurance/sampoorna-raksha-supreme/Increase-Life-Cover.jpg)
Increase Life Cover at Important Milestones
With the Life Stage * option benefit, you can Increase policy cover at important milestones such as home loan disbursal, marriage, or birth of your child.
Get Whole Life Coverage
![Get whole life coverage up to 100 years of age^ - Benefits of Tata AIA Life Insurance Sampoorna Raksha Supreme](https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/life-insurance-plans/term-insurance/sampoorna-raksha-supreme/Life-Cover1.jpg)
Get Whole Life Coverage
You can get whole life coverage up to 100 years of your age ^ to guarantee long-term financial security for your loved ones.
Enhance your Protection with Optional Riders
![Get Income Tax Benefits~as per Applicable Tax Laws - Benefits of Tata AIA Life Insurance Sampoorna Raksha Supreme](https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/life-insurance-plans/term-insurance/sampoorna-raksha-supreme/Accidental-Riders.jpg)
Enhance your Protection with Optional Riders
Riders are add-on cover to the base policy which provide additional benefits. Choose an optional rider ## with your policy for coverage against critical and terminal illnesses, accidental death, etc.
Save Tax ~ Up to Rs 46,800 #
![Enhance your Protection with Optional Riders - Benefits of Tata AIA Life Insurance Sampoorna Raksha Supreme](https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/life-insurance-plans/term-insurance/sampoorna-raksha-supreme/Tax-Benefit-1.jpg)
Save Tax ~ Up to Rs 46,800 #
When you buy a term insurance plan, you can avail tax ~ benefits as per the applicable Income tax laws and save up to Rs. 46,800 # in taxes every year.
Express Claim Settlement
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Express Claim Settlement
Your claim settlement is our priority. Get your claim settled in 4 Hours with our Express Claim Service 4 4 T&C apply
Benefit Illustration
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Only Life Cover
Nakul is a 35-year-old healthy male. Having recently become a father, he feels that it is his responsibility to ensure the financial security of his family for which he opts for Tata AIA Sampoorna Raksha Supreme Term Plan and chooses the Life Option.
Life cover
1 Cr
40 years
Annual Premium
Rs 17,400 (excl GST)
Gets cover for
40 years
Policy commences
Life cover of ₹1 Cr from day 1
If death happens within 40 years term
Nominee will receive lump sum death benefit of ₹1 Cr & policy terminates
On survival till year 40
No benefit will be paid and life cover ends
![](https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/life-insurance-plans/benefit-illustration-dam-folder/Group1.png)
Life Cover with Riders
Rahul is a healthy, 35-year-old male. Being the sole breadwinner of his family, he works hard to ensure their well-being. He opts for Tata AIA Sampoorna Raksha Supreme with Life cover of ₹1 Crore and also opts for Accidental Total and Permanent Disability (ATPD) rider of ₹1 Cr and CritiCare Plus (CCP) rider of ₹10 Lakh.
Life cover
1 Cr
40 years
Gets cover for
40 years
Additional benefits
ATPD: ₹1 Cr
CCP: ₹10 Lakh
Annual Premium
Rs 25,690 (excl GST) (Base Plan- 17,400
ATPD- 2,700
CCP- 5,590)
Policy commences
Life Cover of ₹1 Cr + Accidental Total & Permanent Disability of ₹1 Cr + Critical Illness Benefit of ₹10 Lakh
Meets with an accident that leads to permanent disability in year 15
Rahul gets lump sum of ₹1 Cr & ATPD rider terminates
Diagnosed with covered critical illness in year 30
Rahul gets lump sum of ₹10 Lakh & CCP rider terminates
If death happens within 40 years term
Nominee will receive lump sum death benefit of ₹1 Cr & policy terminates
On survival till year 40
No benefit will be paid and life cover ends
![](https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/life-insurance-plans/benefit-illustration-dam-folder/retired-individuals-icon2.png)
Life Cover with Return of Premium (ROP)
Sameer is a 35-year-old working professional. He and his wife have jointly taken a home loan and are also supporting their ageing parents. Sameer wanted a plan with life cover to provide financial security for his family but wanted to get back the premiums in case no event occurs. So, he opts for Tata AIA Sampoorna Raksha Supreme Term Plan with the Life Plus Option
Life cover
1 Cr
40 years
Annual Premium
Rs 22,600 (excl GST)
Additional benefits
Return of Premium
Gets cover for
40 years
Policy commences
Life cover of ₹1 Cr from day 1
If death happens within 40 years term
Nominee will receive lump sum death benefit of ₹1 Cr & policy terminates
On survival till year 40
Sameer will receive a maturity benefit of Rs 9,49,200 and life cover ends
Highlights of Tata AIA Sampoorna Raksha Supreme
Get Income Tax Benefits
Get income tax ~ benefits as per applicable income tax laws
Multiple Payment Options
Under this policy, you can choose from single, monthly, half-yearly, quarterly, and yearly premium payment frequency options.
Preferential Premium Rates for Women
Women policyholders or female life insured can get preferential premium rates on their insurance policy.
Financial Protection
Secure your family’s financial future and ensure they live a life with the same lifestyle even in your absence with the death benefit pay-out.
Flexibility to Choose Plan Option
Choose from four flexible plan options under this policy, each designed to serve your unique insurance needs. You can opt for the Life Option, Life Plus Option, Life Income Option and Credit Protect Option, as per your life cover needs.
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.
Get Maturity Benefits
Provided all premiums are paid on time, you will enjoy the benefits of the return of premium** payment upon policy maturity.
Get Additional Benefits
Avail Additional Benefits / Value Added Services 6 up to Rs. 30,000/- per year at no additional cost
Additional Benefits/Value Added Services 6 offered with Tata AIA Life SRS Vitality Protect |
Sr. No | Value Added Services | Frequency |
1 | Medical Teleconsultation | 4 consultations per month = 48 consultations per annum |
2 | Annual Health Check-up | 1 Health check-up per annum |
3 | Personal Medical Case Management (PMCM) (max. 3 months of service period) | Throughout the year |
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 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 Claims4 service, a unique service initiative, the beneficiary can submit the necessary documents with our agent who will initiate the claim process and ensure that the claim amount is received within 4 hours.
Table of Content
- Why is Term Insurance Plan Essential?
- Who Should opt for Tata AIA Life Sampoorna Raksha Supreme Plan?
- Traditional Term Insurance vs Tata AIA Life Sampoorna Raksha Supreme Policy
- Why do you need Tata AIA Life Sampoorna Raksha Supreme Plan?
- Know the Right Plan Option for You
- Enrol in Tata AIA Vitality (Wellness Program)
- Enhance Your Cover with These Riders
- How to Purchase this Policy Online?
- Download Documents
- Frequently asked questions (FAQs) About Term Insurance Policy
- Disclaimer
![Why is Term Life Insurance Essential? | Tata AIA Life Insurance](https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/life-insurance-plans/term-insurance/sampoorna-raksha-supreme/Understand-Life-Insurance-Illustration.png)
Why is Term Insurance Essential?
Term 1 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 Higher Cover at Lower Premium 3
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.
Who Should opt for Tata AIA Sampoorna Raksha Supreme Plan?
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.
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.
Married Couples
It is essential for newlyweds to buy a term insurance plan as with marriage you get additional responsibilities of your spouse. With Life Stage plan option, you can 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. With Life Stage plan option, you can 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 option to increase their plan’s coverage by 25%.
Young Parents
Couples who are planning to or already have a child/children can utilise the plan’s Life Stage Benefit option to increase their plan’s coverage by 25%.
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.
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.
Retired Individuals
The Life Income Option under this plan provides the dual benefit of death benefit 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. You can receive a steady income from an Income Start Age at 55, 60 or 65 years, as selected by you.
Retired Individuals
The Life Income Option under this plan provides the dual benefit of death benefit 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. You can receive a steady income from an Income Start Age at 55, 60 or 65 years, as selected by you.
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. 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. Therefore, life insurance for women is a necessity.
Tata AIA Sampoorna Raksha Supreme Product Snapshot
Multiple Plan Options
Life, Life Plus, Life Income and Credit Protect
Whole Life Coverage
Up to 100 years of age ^
Get your Premiums Back
Get 105% premiums paid by you with Life Plus plan option **
Increase Life Cover
Increase your life cover at important milestones such as marriage or childbirth *
Express Claims Settlement
Get your claims settled in 4 hours 4
Easy Premium Payment Options
Single, Annual, Half-yearly, Quarterly, and Monthly payment options available
Traditional Term Insurance vs Tata AIA Sampoorna Raksha Supreme Policy
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
Sampoorna Raksha Supreme Policy
Why Do You Need Tata AIA 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.
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.
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.
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.
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.
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.
Additionally, you can also enhance your life insurance coverage with the rider ## options available for all the plan options.