Maha Raksha Supreme vs Sbi Saral Jeevan Bima Term Insurance Plan 2026 | PolicyX

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TATA AIA has introduced a term plan which covers you for terminal illnesses. You can avail of 50% of the basic sum assured in case you are diagnosed with any terminal illness during policy term.

In addition to this, if you bought your plan at an early age and now plan to get married, you might feel that the sum assured that you chose would be insufficient for the new chapter of your life. For this, Maha Raksha Supreme offers a Life Stage Plus option that helps you to increase the basic sum assured with upcoming future responsibilities such as marriage and childbirth, without undergoing any medical tests again.

Tata AIA Maha Raksha Supreme Term Plan offers you a range of benefits including:

  • Life stage plus option
  • Tax benefits
  • Special rates for non-smokers and women
  • Additional riders
  • Death benefit
  • Payout Accelerator Benefit
PLAN DETAILS

Maha Raksha Supreme

Sbi Saral Jeevan Bima

Premium Including GST
Key Features
(Key features of the plan)
  • Life Stage Plus Option
  • Payout Accelerator Benefit
  • Non-smoker & Female Discounts
  • Standard plan
  • Affordable premiums
  • Tax benefits
Plan Maturity age Maximum Maturity Age - 80 years Maximum Maturity Age - 70 years
Plan Sum Assured Base sum assured: Rs 50 lakhs to no limit Basic Sum Assured: ₹5L to ₹25L
Plan Entry Age Minimum Age - 18 years Maximum Age - 50 years Minimum Age - 18 years Maximum Age - 65 years
Plan Payment modes Annual, half-yearly, quarterly & monthly Single, Yearly, Half-Yearly, and Monthly
Plan Policy loan The policy loan is not available under TATA AIA Maha Raksha Supreme The policy loan is not available under SBI Saral Jeevan Bima.
Plan Sample Premium 615-/ per month Rs 521-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 4 years Maximum term - 40 years Minimum term - 5 years Maximum term - 40 years
Claim Settlement Ratio (2024-25) 99.41 98.83%
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* The above sample premiums are for a 30-year-old male, nonsmoker with a sum assured of Rs 50 lakhs and a policy tenure of 25 years. You can calculate the premiums for the above term insurance plans using the PolicyX Term Insurance Calculator.

Riders

Riders Associated with Tata AIA Maha Raksha Supreme Plan

You can add the following riders to your Tata AIA Maha Raksha Supreme:

Tata AIA Life Insurance Accidental Death and
Disability Rider

In case of the policyholder’s demise or disability due to an accident, a payout is paid to the nominee.

Tata AIA Non-Linked Comprehensive
Protection Rider

This rider provides coverage for various unforeseen events, such as death, disability due to accident, a wide range of critical illnesses, or terminal illnesses.

Other Term Insurance Companies

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