TATA AIA Sampoorna Raksha Supreme
  • All round protection
  • Loaded with features
  • Very high Sum Insured
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TATA AIA Life Insurance Sampoorna Raksha Supreme

Tata AIA Life Insurance Sampoorna Raksha Supreme is a protection plan that is highly customizable according to one’s requirements. Tata AIA Life Insurance Sampoorna Raksha Supreme is a wide-range insurance plan that offers the policyholder and their family all-around financial security and nestles them with a promise of a safe future.

Tata AIA Sampoorna Raksha Supreme is a Non-Linked Non-Participating Individual Life Insurance Plan and offers you the flexibility to choose amongst the provided options to suit your individual needs. Sampoorna Raksha Supreme offers various plan options such as life, life plus, life income and credit protect. Tata AIA Life Insurance Sampoorna Raksha is loaded with multiple features such as rider benefits, multiple payment options, lower premium rates for women, maturity benefits, and more.

TATA AIA Life Insurance Sampoorna Raksha Supreme Specifications

Entry Age

18 years to 65 Years

Sum Insured

Min: 1 lakh Max: No Limit subject to Board approved underwriting policy (BAUP)

Maturity Age

100 years

Policy Term (Months)

60 to 984

Premium payment mode

Regular/Single/Limited Pay

Read more specifications in the brochure.

Key Features of Tata AIA Sampoorna Raksha Supreme

Tata AIA Sampoorna Raksha Supreme is a unique plan with features that offer peace of mind as well as your family's financial security.

  • Multiple Plan Options: Under Sampoorna Raksha Supreme an insured individual gets 4 different plan options namely Life, Life Plus, Life Income, and Credit Protect option. The life option is a pure risk variant wherein the customer chooses the Base sum assured at the time of purchase, a lump sum equal to the effective sum assured as on the date of demise is provided at the time of an unfortunate event such as the unforeseen demise of the life assured during the policy term. Life Plus is a protection-oriented variant that provides a death benefit along with a maturity benefit equal to 105% of the sum assured.Further, we have a life income option that offers a death benefit along with the regular monthly income and lastly, we have a credit protection plan option which is also a pure risk variant.
  • Multiple Payment options: Tata AIA Sampoorna Raksha Supreme includes flexible premium payment options for the policyholder, which allows them to pay for the policy coverage at their convenience. Under this policy, policyholders can choose from single, monthly, half-yearly, quarterly, and yearly premium payment frequency options. Likewise, you can also opt for the regular or limited pay option, depending on the benefit option chosen.
  • Special Premium Rates for Women: Under Tata Sampoorna Raksha Supreme the premium rates for women policyholders will be lower as compared to smokers, non-smokers, or also their male counterparts. Women policyholders or female life insured can get lower premium rates on their insurance policy.
  • Death Benefit Payout Options: Under Tata Sampoorna Raksha Supreme in case of death of the life assured for an in-force policy, the death benefi­t will be paid to the nominee as per the plan option chosen. The death benefit under this policy is payable as a lump sum, staggered benefit, or a combination of a lump sum amount and staggered benefit, as chosen by the policyholder at the time of purchase. This flexibility is called the ‘Payout Plan’.
  • Top-Up Sum Assured: Under Sampoorna Suraksha Supreme you can beat the effect of inflation on your coverage with a regular increase in your sum assured. With the top-up premium feature, you can opt to increase your base sum assured by a fixed 5% for every policy anniversary by paying an additional premium for every increase. This option is available under the Life and Life Plus option and can be opted for at policy inception.

Benefits of Tata AIA Sampoorna Raksha Supreme

There are multiple benefits offered by Tata AIA Sampoorna Raksha Supreme which are mentioned below.

  • 24/7 Medical Opinion available: Under Sampoorna Raksha Supreme Plan you can avail of Instant Online Medical Consultations for 23+ specialties and Connect with a doctor in 180 seconds. There is an availability of doctors 24x7 and instant connection reduces the need to visit doctors.
  • Tax Benefit: Under Sampoorna Raksha Supreme you can avail of tax benefits as per the applicable Income tax laws.
  • Optional Rider Benefits: Riders are an add-on cover to the base policy that will provide additional benefits. With Sampoorna Raksha Supreme you can choose an optional rider for your policy for better coverage against critical and terminal illness, accidental death, etc., with a lump sum amount or income for a fixed period.
  • Whole Life Cover Benefit : With Sampoorna Raksha Supreme an insurance holder can get whole life coverage up to 100 years of age to guarantee long-term financial security for your loved ones. This allows you peace of mind knowing your family will be taken care of at every stage of your life.
  • Life Stage Benefit : Under the “Life Stage” option, the policyholder can increase the life cover at specific life stage events of the life assured, by paying an additional premium for every increase, under the Life and Life plus options. The right to increase the Sum assured needs to be exercised within 180 days of the happening/incidence of major life events such as marriage, birth or adoption of children, or home loan disbursal.

Tata AIA Sampoorna Raksha Supreme Plan Options

There are a total of 4 plan options available under the Sampoorna Raksha Supreme Plan. All these options offer different types of features. Given below is a brief overview of all these plan options.

  • Life Option: Under this plan option, in case the life assured dies during the policy term, the stipulated death benefit (based on the Effective Sum Assured as applicable on the date of death - defined below) less any payout under Payor Accelerated Benefit will be paid out to the nominee (as per the payout plan chosen) and the policy will terminate.
  • Life Plus Option: If you want a return on the term insurance premiums of your insurance plan, the Life Plus Option enables you to receive 105% of the total term insurance premiums paid on your base plan as a survival benefit.
  • Life Income Option: The Life Income Option offers regular income as well as a death benefit. You can choose to receive the income payouts at the convenient age selected by you.
  • Credit Protect Option :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.

Tata AIA Sampoorna Raksha Supreme Riders

Sampoorna Raksha Supreme Plan offers multiple rider options in order to provide enhanced protection.

  • Tata AIA Vitality Health Rider : Offers additional coverage against unforeseen events like accidental death, accidental disability, critical illnesses including cancer and cardiac conditions, terminal illnesses, and more. This particular rider is a comprehensive wellness program that helps you understand and improve your health thereby offering premium discounts on your policy basis the points earned.
  • Tata AIA Vitality Protect Rider : Coverage against major ailments as well as major and minor illnesses or injuries along with multiple claim payouts.
  • Tata AIA Comprehensive Protection Rider : Under this rider you have the option to extend the rider coverage to protect your loved ones under the same plan.
  • Tata AIA Comprehensive Health Rider : Under this rider you are offered coverage against major ailments as well as major and minor illnesses or injuries along with multiple claim payouts.

TATA AIA Term Insurance Plans

Take a look at the below section to understand the different term plans offered by TATA AIA. For your understanding, we have mentioned TATA AIA term plans along with some of their unique features. Scroll below to read.

Tata AIA Life Insurance Sampoorna Raksha Supreme

The plan offers various life coverage options, including Whole Life coverage up to age 100, and the added benefit of the Credit Protect option.

Unique Features

  • Low premiums for women
  • Life cover up to 100 years
  • 24x7 online medical consultation

Sampoorna Raksha Supreme (Pros)

  • 2 Premium Payout Options
  • 2 Rider Option
  • Top-Up Sum Assured

Sampoorna Raksha Supreme (Cons)

  • No Loans Allowed
  • Only 1% Discount on Installment
  • No Suicide Cover in Terminal Illness

Sampoorna Raksha Supreme (Other Benefits)

  • Non-Forfeiture Benefit
  • Survival and Maturity Benefit
  • Payor Accelerator Benefit advances 50% SA

Sampoorna Raksha Supreme (Eligibility Criteria)

  • Entry Age - 18 years
  • Max Entry Age - 60 years(POS)
  • Minimum Sum Assured - 1 L
  • Maximum Maturity Age - NA
  • Premium Payment Term - LP/RP/SP

TATA AIA Insta Protect Solution

This is a comprehensive plan that provides financial protection by combining life coverage with critical illness, accidental death and more.

Unique Features

  • Lump Sum Benefit
  • Payor Accelerator Benefit
  • Surrender Value Offered

Insta Protect Solution (Pros)

  • Covers Death Due to Accident
  • No Medical Tests
  • Accelerated Terminal Illness

Insta Protect Solution (Cons)

  • No Loans Allowed
  • No Maturity Benefit
  • No Suicide Cover in Terminal Illness

Insta Protect Solution (Other Benefits)

  • Return of Premiums (Optional)
  • Survival and Maturity Benefit
  • Health and Wellness Benefits

Insta Protect Solution (Eligibility Criteria)

  • 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

Tata AIA Life Insurance Saral Jeevan Bima

This is a simple and affordable plan that protects your family financially. The plan allows you to enhance your protection with the help of optional riders.

Unique Features

  • Flexibility to choose policy term
  • Lower premium rate for females
  • Avail Tax Benefits

Saral Jeevan Bima (Pros)

  • Available for Online Buying
  • Choose to pay Premium Once
  • Max Sum Assured 50L

Saral Jeevan Bima (Cons)

  • No Survival Benefit
  • No Maturity Benefit
  • No Surrender Benefit

Saral Jeevan Bima (Other Benefits)

  • Suicide Cover
  • Spouse Cover
  • Policy Revival Within 5 Years

Saral Jeevan Bima (Eligibility Criteria)

  • 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)

Explore TATA AIA Life Insurance

Know more about Tata AIA Term Insurance plans, claim process, buying process, and contact details of the company by clicking on the sections below:

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Buying Process

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Contact Us

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TATA AIA Sampoorna Raksha Supreme: FAQs

1. Is Tata AIA Sampoorna Raksha Supreme Plan a pure-term plan?

Tata AIA Sampoorna Raksha Supreme has four plan options, out of which the Life Option and the Credit Protect Option are pure term plans while the Life Plus Option and the Life Income Option offer return of premiums and a regular income option respectively, subject to terms and conditions.

2. What are the major features offered by Sampoorna Raksha Supreme Plan?

The Tata AIA Sampoorna Raksha Supreme Plan offers features such as:

  • Choice of different death benefit options from Life Option, Life Plus Option, Life Income Option, and Credit Protect Option.
  • Whole life coverage up to 100 years of age.
  • Life Stage Benefit Option to increase the sum assured at critical stages of life.
  • Inbuilt Payor Accelerator to receive 50% of the sum assured in case of a terminal illness diagnosis
  • Choice to receive death benefit payout as a lump sum, regular income or lump sum + regular income.
  • Choice of the policy term and premium paying term.
  • Ability to choose from a list of unique riders for coverage enhancement.
  • Lower premium rates for female policyholders.
  • Tax benefits~ as per applicable tax laws.

3. How many plan options can an individual choose under Sampoorna Raksha Supreme?

The available plan options available under the Tata AIA Life Sampoorna Raksha Supreme plan are:

  • Life Option - pure risk cover with a death benefit.
  • Life Plus Option - protection-oriented cover with a death benefit + return of premium on maturity).
  • Life Income Option - pure risk cover with a death benefit + survival benefits as a regular income benefit during the policy term.
  • Credit Protect Option - pure risk cover with a death benefit in line with the outstanding loan amount.

4. What is the entry age for Sampoorna Raksha Supreme Plan?

The minimum entry age for purchasing the policy and availing of its benefits is 18 years except for the Life Income plan option where the entry age is 30 years.

5. Can I avail maturity benefits if I purchase Sampoorna Raksha Supreme Plan?

Under Tata AIA Sampoorna Raksha Supreme Plan, you can get a term insurance plan with maturity benefits only under the Life Plus Option coverage. The coverage option pays out 105% of the total term insurance premiums paid as a maturity benefit.

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Tata AIA Term Insurance Reviews

Read what our customers have to say about Tata AIA term insurance company

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Kaushalya

Cuttack

March 15, 2024

I need an instant tax receipt for my Tata Aia life insurance premium pay for section 80C. So, I decided to reach out to Policyx.com for the same.

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mohit khanna

Madurai

February 24, 2022

I have a home loan, a 4 year daughter, old mother and wife. I am a salaried person and always worried about future saving for them. TATA gave me a good cheap plan that fulfills my wishes for fu...

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anu

Delhi

February 18, 2022

My husband passed away and I felt stuck but then when i contacted the company they helped me without giving me any issues.

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Vridhi Singh

Pune

October 5, 2021

It is a very good company. Not only it looks after the customers needs but also is always available whenever the customer has any queries

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Kanika Chaudhary

Delhi

September 21, 2021

If you are looking to buy a Term Life insurance policy, go for Tata aia Insurance company. their customer support team is very supportive and very helpful.

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Ravi Dhingra

Lukhnow

September 16, 2021

Happy with the services of the company, Full satisfied. The customer care team helps its customers very patiently and nicely.

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Kunal Sahni

Indore

June 28, 2021

TATA AIA offers a wide range of life insurance products. I have bought two life insurance plans from the company, and I am happy about my decision.

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Vivek Kumar Sahni

Chennai

June 28, 2021

One of the best thing I have bought for my family. I have this assurance that in my absence my family s dreams would be fulfilled without any roadblocks. Thank you TATA AIA for supporting every...

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