Tata Aia Saral Jeevan Bima vs Saral Swadhan Plus Plan Term Insurance Plan 2026 | PolicyX

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TATA AIA Saral Jeevan Bima is a pure protection plan. The plan is designed with simple terms and conditions, it is affordable and accessible to even the lower-earning group of the society. It offers a fixed premium and flexible payment terms, covering individuals up to the age of 70.

TATA AIA Saral Jeevan Bima Plan offers you a range of benefits including:

  • Uncomplicated policy terms
  • Tax benefits
  • Discounts for females and non-smokers
  • Additional riders to choose from
  • Death benefits
  • Option to choose your policy term and premium payment term
PLAN DETAILS

Tata Aia Saral Jeevan Bima

Saral Swadhan Plus Plan

Premium Including GST
Key Features
(Key features of the plan)
  • A simple and easy plan
  • Affordable premiums
  • Choose your rider options
  • Death benefit
  • Maturity Benefit
  • Survival benefit
Plan Maturity age Maximum Maturity Age - 70 years Maximum Maturity Age - 70 years
Plan Sum Assured Base sum assured: Rs 5 lakhs to Rs 49,50,000 Basic Sum Assured: ₹30K to ₹4.75L
Plan Entry Age Minimum Age - 18 years Maximum Age - 65 years Minimum Age - 18 years Maximum Age - 55 years
Plan Payment modes Annual, half-yearly, quarterly & monthly Yearly
Plan Policy loan The policy loan is not available under TATA AIA Saral Jeevan Bima Plan The policy loan is not available under SBI Life Saral Swadhan+ Plan.
Plan Sample Premium - Rs 543-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 5 years Maximum term - 40 years Minimum term - 10 years Maximum term - 15 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 Saral Jeevan Bima Plan

You can add the following riders to your TATA AIA Saral Jeevan Bima:

TATA AIA Accidental Death Benefit (ADB)

In case of the policyholder’s demise due to an accident, an extra rider sum assured is paid to their nominee.

TATA AIA Accidental Total and Permanent Disability Benefit

Under the accidental disability rider, a lump sum is offered in case of the policyholder’s disability or demise due to the accident.

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