Tata AIA Sampoorna Raksha Promise
- 4 Plan Options
- Joint Life Option
- Instant Payout on Claim
Himanshu is a content marketer with 2 years of experience in the life insurance sector. His motto is to make life insurance topics simple and easy to understand yet one level deeper for our readers.
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Updated on Jun 30, 2025 4 min read
Sampoorna Raksha Promise by Tata AIA Life Insurance is a pure-term insurance plan that offers financial protection to your loved ones in case of your death. This plan allows you to opt for whole-life coverage (up to 100 years). You can choose from 4 plan options available with this plan. This plan comes with an inbuilt waiver of premium on diagnosis of terminal illness.
Tata AIA is one of the leading life insurance companies that offers multiple life insurance solutions including term plans, ULIPs, child plans, saving plans, etc.
Sampoorna Raksha Promise Plan offers you a range of benefits including:
Minimum age- 18 years, Maximum age- 65 years
Maximum maturity age- 100 years
Minimum term - 1 year Maximum term - 84 years
Base sum assured- Rs 25 lakhs to No limit
No policy loan is available under this plan.
Yearly, half-yearly, quarterly, and monthly
Let's understand how the Tata AIA Sampoorna Raksha Promis Term Plan works with a simple premium illustration.
Mr Shashank a 40-year-old salaried employee is looking for a term life plan that offers him flexibility to pay premiums along with an inbuilt terminal illness cover.
He scheduled an appointment with one of PolicyX’s insurance advisors. The advisor suggested Mr Shashank buy the Tata AIA Sampoorna Raksha Promise plan.
Upon careful consideration and the insurance expert’s advice, he bought Tata AIA Sampoorna Raksha Promise. Let’s understand how the plan works for him with a premium illustration table.
| Age of policyholder | Annual premiums | Policy tenure | Premium payment term | Total premiums paid | Sum assured |
| 40 years | Rs 68,111 | 45 years | 10 years | Rs 4,08,666 | Rs 1 crore |
Key Takeaways: (i) In the 7th policy year he gets diagnosed with terminal illness. The insurance company paid him Rs 50 lakhs (50% of the sum assured).
(ii) The coverage continues for Rs 50 lakhs (rest of the sum assured) till the policy term.
Here are the benefits associated with the Tata AIA Sampoorna Raksha Promise
You can choose from the following riders with your Tata AIA Sampoorna Raksha Promise Plan:
Under this rider, benefits are offered in case of diagnosis/death due to terminal illness, accidental death, or accidental total/permanent disability.
This health rider pays benefits on certain conditions including accidental permanent/partial disability, critical illness, cancer, cardiac conditions, etc.
This rider provides coverage against various risks including accidental death, accidental disability, cancer or cardiac conditions, etc.
Under this health rider, benefits are paid in case of hospitalization or ICU admission, cancer, heart-related diseases, minor injuries, or major diseases.
Here is the list of exclusions associated with the plan:
No claims shall be paid in case of the policyholder’s death due to suicide within one year of policy purchase.
Tata AIA Sampoorna Raksha Promise is a customizable term life insurance plan that allows you to choose from 4 different plan options as per your suitability. This is one of the flagship products offered by Tata AIA that offers comprehensive coverage and financial protection to your loved ones.
If you are still confused about whether this plan is an ideal choice or not, you can book an appointment with us at PolicyX.com. One of our experts will help you choose the right term insurance plan. We offer No Spam, No Gimmicks, and Only Expert Insurance Advice.
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Himanshu is a seasoned content writer specializing in keeping readers engaged with the insurance industry, term and life insurance developments, etc. With an experience of 2 years in insurance and HR tech, Himanshu simplifies the insurance information and it is completely visible in his content pieces. He believes in making the content understandable to any common man.
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