Tata AIA Sampoorna Raksha Promise

Sampoorna Raksha Promise by Tata AIA Life Insurance is a pure-term insurance pla ...Read More

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Term & Life Insurance

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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Anchita Bhattacharyya

Anchita Bhattacharyya

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Anchita has over 6 years of experience in content marketing, insurance, and healthcare sectors. Her motto to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.

Updated on Jul 28, 2025 4 min read

Tata AIA Sampoorna Raksha Promise

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:

why-choose
  • Choice of Plan Options
  • Instant Payment on Claim Intimation
  • Whole Life Coverage Option
  • Special Discount for Female Policyholders
  • Add-on Riders to Choose
  • Choice of Death Benefit Payout

Eligibility Criteria for Tata AIA Sampoorna Raksha Promise

Your Occupation

Entry age

Minimum age- 18 years, Maximum age- 65 years

Mukhyamantri Amrutam Yojana

Maturity age

Maximum maturity age- 100 years

Your Gender

Policy term

Minimum term - 1 year Maximum term - 84 years

Maternity Benefit Rider

Sum assured

Base sum assured- Rs 25 lakhs to No limit

Dr YSR Aarogyasri Trust

Policy loan

No policy loan is available under this plan.

Maternity Benefit Rider

Payment modes

Yearly, half-yearly, quarterly, and monthly

Plan Options Available With Tata AIA Sampoorna Raksha Promise

There are 4 plan options available with the Sampoorna Raksha Promise Plan:

Plan Options Benefits
Life Promise Option Under this plan option, the policyholder chooses the sum assured at the start of the policy term. In case of the policyholder’s death during the policy tenure, death benefits are paid to the nominee.
Life Promise Plus Option Under this plan option, death benefits are paid in case of the policyholder’s death. If the policyholder survives the policy tenure, 100% of the premiums are paid back.
Joint Life Promise Option This plan option covers both the policyholder and the spouse under the same plan. In case of death of both individuals, the death benefits will be paid to the nominee.
Joint Life Promise Plus Option This plan option offers death benefits same as the above plan option. In case both the policyholder survives till maturity, 100% of the premiums are paid back.

How Does Tata AIA Sampoorna Raksha Promise Plan Work?

Let's understand how the Tata AIA Sampoorna Raksha Promis Term Plan works with a simple premium illustration.

Why Buy Term Insurance Online?

Problem

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.

Solution

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.

Benefits of Tata AIA Sampoorna Raksha Promise

Here are the benefits associated with the Tata AIA Sampoorna Raksha Promise

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Riders You Can Avail With Sampoorna Raksha Promise

You can choose from the following riders with your Tata AIA Sampoorna Raksha Promise Plan:

Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider

Under this rider, benefits are offered in case of diagnosis/death due to terminal illness, accidental death, or accidental total/permanent disability.

Tata AIA Life Insurance Non-Linked Comprehensive Health Rider

This health rider pays benefits on certain conditions including accidental permanent/partial disability, critical illness, cancer, cardiac conditions, etc.

Tata AIA Vitality Protect

This rider provides coverage against various risks including accidental death, accidental disability, cancer or cardiac conditions, etc.

Tata AIA Vitality Health

Under this health rider, benefits are paid in case of hospitalization or ICU admission, cancer, heart-related diseases, minor injuries, or major diseases.

Features of Tata AIA Sampoorna Raksha Promise

Instant Payout on Claim Intimation

In case of the policyholder’s demise after completion of a 3-year waiting period, the death benefit of Rs 3 lakhs will be paid from the sum assured within 24 hours of death.

Cover Continuance Option

In case of one of the policyholder’s deaths under the joint life option, the surviving partner may continue the policy by paying a single premium.

Life Stage Option

This option allows the policyholders to increase their coverage amount in various circumstances including marriage, home loan, childbirth, etc.

Multiple Premium Payment Options

Sampoorna Raksha Promise offers multiple premium payment options including single premium, yearly, 
half-yearly, quarterly, monthly, etc.

Exclusions of Sampoorna Raksha Promise

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.

  • No policy loan is available under this plan.

Conclusion

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.

Explore other Tata AIA Term Insurance

Tata AIA Term Insurance offers one of the best term insurance plans to cater to the unique needs of every customer. You can buy their term plans with high life cover at pocket-friendly costs. Get a 5% discount for online purchases and 100% claim assistance with Tata AIA Term Insurance plans. Below is the list of term plans offered by Tata AIA.

Tata AIA Sampoorna Raksha Promise

Tata AIA Sampoorna Raksha Promise

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 ...

Unique Features

  • 4 Plan Options
  • Joint Life Option
  • Instant Payout on Claim

Tata AIA Sampoorna Raksha Promise (Pros)

Tata AIA Sampoorna Raksha Promise
  • Choice of Plan Options
  • Instant Payment on Claim Intimation
  • Whole Life Coverage Option

Tata AIA Sampoorna Raksha Promise (Cons)

Tata AIA Sampoorna Raksha Promise
  • No Policy Loan is Available
  • No Plan Conversion Option
  • No Maturity Benefit

Tata AIA Sampoorna Raksha Promise (Other Benefits)

Tata AIA Sampoorna Raksha Promise
  • Special Discount for Females
  • Add-on Riders to Choose
  • Choice of Death Benefit Payout

Tata AIA Sampoorna Raksha Promise (Eligibility Criteria)

Tata AIA Sampoorna Raksha Promise
  • Entry Age - 18 years
  • Minimum Sum Assured - 25 L
  • Max Maturity Age - 100 Yrs
  • Premium Payment Term - LP/RP/SP
  • Max Entry Age - 65 years (Adaptable)

TATA AIA Maha Raksha Supreme

TATA AIA Maha Raksha Supreme

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 w...

Unique Features

  • Life Stage Plus Option
  • Payout Accelerator Benefit
  • Non-smoker & Female Discounts

TATA AIA Maha Raksha Supreme (Pros)

TATA AIA Maha Raksha Supreme
  • Additional Riders
  • High Cover Discount
  • Life Coverage with Terminal Illness Payout

TATA AIA Maha Raksha Supreme (Cons)

TATA AIA Maha Raksha Supreme
  • No Policy Loan is Available
  • No Plan Conversion Option
  • No Maturity Benefit

TATA AIA Maha Raksha Supreme (Other Benefits)

TATA AIA Maha Raksha Supreme
  • Payout Accelerator Benefit
  • 105% SA Death Benefit
  • Whole Life coverage (till age 100 years)

TATA AIA Maha Raksha Supreme (Eligibility Criteria)

TATA AIA Maha Raksha Supreme
  • Entry Age - 18 years
  • Minimum Sum Assured - 50 L
  • Max Maturity Age 100Yrs
  • Premium Payment Term - LP/RP/SP
  • Max Entry Age - 65 years(Adaptable)

TATA AIA Saral Jeevan Bima

TATA AIA Saral Jeevan Bima

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 t...

Unique Features

  • A simple and easy plan
  • Affordable premiums
  • Choose your rider options

TATA AIA Saral Jeevan Bima (Pros)

TATA AIA Saral Jeevan Bima
  • Available for Online Buying
  • Choose to pay Premium Once
  • Max Sum Assured 50L

TATA AIA Saral Jeevan Bima (Cons)

TATA AIA Saral Jeevan Bima
  • No Survival Benefit
  • No Maturity Benefit
  • No Surrender Benefit

TATA AIA Saral Jeevan Bima (Other Benefits)

TATA AIA Saral Jeevan Bima
  • Suicide Cover
  • Spouse Cover
  • Policy Revival Within 5 Years

TATA AIA Saral Jeevan Bima (Eligibility Criteria)

TATA AIA Saral Jeevan Bima
  • Entry Age - 18 years
  • Max Entry Age - 65 years
  • Minimum Sum Assured - 5 L
  • Maximum Maturity Age - NA
  • Premium Payment Term - RP/SP/LP(5&10 Years)

Tata AIA SRS Vitality Protect

Tata AIA SRS Vitality Protect

Tata AIA SRS Vitality is a rеmarkablе term insurance plan that sеamlеssly blеnds two еssеntial еlеmеnts - Tata AIA Life Insurance Sampoorna ...

Unique Features

  • Whole Life Cover
  • Wellness Program
  • Cover Boosters

Tata AIA SRS Vitality Protect (Pros)

Tata AIA SRS Vitality Protect
  • 10% Guaranteed Discount
  • Wellness Rewards Program
  • Guaranteed 1st Year Discount

Tata AIA SRS Vitality Protect (Cons)

Tata AIA SRS Vitality Protect
  • No Plan Conversion Option
  • No Maturity Benefit
  • Limited Premium Payment Terms

Tata AIA SRS Vitality Protect (Other Benefits)

Tata AIA SRS Vitality Protect
  • 75% SA Terminal Illness Coverage
  • Cover Boosters
  • Up To 30% Rider Premium Discount

Tata AIA SRS Vitality Protect (Eligibility Criteria)

Tata AIA SRS Vitality Protect
  • Entry Age - 18 years
  • Max Entry Age - 65 years
  • Minimum Sum Assured - 50 L
  • Max Maturity Age 100Yrs
  • Premium Payment Term - (5-81 Yrs) LP/RP/SP

TATA AIA Insta Protect

TATA AIA Insta Protect

Tata AIA Insta Protect is a comprehensive plan protecting your family against death, disability, and disease under a single plan. The plan safeguards ...

Unique Features

  • All round protection
  • Loaded with features
  • Very high Sum Insured

TATA AIA Insta Protect (Pros)

TATA AIA Insta Protect
  • Covers Death Due to Accident
  • No Medical Tests
  • Accelerated Terminal Illness

TATA AIA Insta Protect (Cons)

TATA AIA Insta Protect
  • No Loans Allowed
  • No Maturity Benefit
  • No Suicide Cover in Terminal Illness

TATA AIA Insta Protect (Other Benefits)

TATA AIA Insta Protect
  • Return of Premiums (Optional)
  • Survival and Maturity Benefit
  • Health and Wellness Benefits

TATA AIA Insta Protect (Eligibility Criteria)

TATA AIA Insta Protect
  • Entry Age - 18 years
  • Max Entry Age - 45 years
  • Minimum Sum Assured - 25 L
  • Maximum Maturity Age - 75 Yrs
  • Premium Payment Term - LP/RP/SP

FAQs: Tata AIA Sampoorna Raksha Promise

1. What is Tata AIA Sampoorna Raksha Promise policy?

Sampoorna Raksha Promise is a flagship term plan by Tata AIA Life Insurance that offers financial protection to your loved ones in your absence.

2. Does Sampoorna Raksha Promise offer tax benefits?

Yes, Sampoorna Raksha Promise offers tax benefits up to Rs 1.5 lakhs under Section 80 (C) and Section 10 (10D) of the Income Tax Act, 1961.

3. When can the Flexi Pay benefit in the Sampoorna Raksha Promise Plan be exercised?

The flexi pay benefit in the Sampoorna Raksha Promise Plan can be exercised in case of emergency situations. This option allows to delay premium payments for up to 12 months.

4. Can I avail additional riders with Sampoorna Raksha Promise?

Yes, you can avail of additional riders with your Tata AIA Sampoorna Raksha Promise Plan.

5. How many plan options are available with Tata AIA Sampoorna Raksha Promise?

Sampoorna Raksha Promise offers the policyholders to choose from four plan options including Life Promise, Life Promise Plus, Joint Life Promise, and Joint Life Promise Plus.

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Himanshu Kumar

Written By: Himanshu Kumar

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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