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Tata AIA Param Rakshak Pro | TATA AIA Term Insurance Plan | | TATA AIA Param Rakshak Pro Solution |
Tata AIA Term Insurance
Tata AIA Term Insurance
Tata AIA Life Insurance is a joint venture between Tata Sons Pvt. Ltd. and AIA Group Ltd. The company is among the top ...Read More
99.41%
Claim settlement ratio
31,483.60 crores
Annual Premium
6
Active plans
1.8x
Solvency ratio
🛡️ IRDAI Approved
⭐ 4.6/5 · 937 reviews
✅ 99.41% claim settlement ratio
📊 1.8x solvency ratio
🌐 500+ pan-India
What you get with Tata AIA Term Insurance
The headline features and policy mechanics, at a glance.
Annual Premium 31,483.60 crores
Affordable premium options starting from entry-level to comprehensive whole-life protection.
99.41% claim settlement ratio
Industry-leading approval rate on eligible term insurance claims in the most recent fiscal year.
1.8x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
6 active term plans
Choose from level cover, increasing cover, and return-of-premium variants.
5+ optional riders
Extend a base policy with add-on covers — critical illness, accidental death, waiver of premium and more.
500+ pan-India presence
Branch offices and claim service centres across India for easy policy servicing.
Video reviews
Tata AIA Term Insurance Plans
Types of Tata AIA Term Insurance Plans
Every plan currently being sold by Tata AIA Term Insurance, shown side-by-side so you can shortlist quickly.
Tata AIA Maha Raksha Supreme Select Plan
Tata AIA Maha Raksha Supreme Select is a pure term insurance plan that protects your family's lifestyle, secures long-term objectives, and helps repay...
Unique Features
- Flexible death benefit options
- Whole life cover
- Super Retirement Benefit (Life Secure Options)
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 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 Saral Jeevan Bima
TATA AIA Saral Jeevan Bima is a pure protection plan. The plan is designed with simple terms and conditions, making it affordable and accessible even ...
Unique Features
- A simple and easy plan
- Affordable premiums
- Choose your rider options
Tata AIA SRS Vitality Protect
Tata AIA SRS Vitality is a remarkable term insurance plan that seamlessly blends two essential elements - Tata AIA Life Insurance Sampoorna Raksha Sup...
Unique Features
- Whole Life Cover
- Wellness Program
- Cover Boosters
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
Term Plans Comparison
Side-by-side across the 3 most-bought Tata AIA Term Insurance plans on PolicyX.
| Feature | Tata AIA Maha Raksha Supreme Select Plan | Tata AIA Sampoorna Raksha Promise | TATA AIA Maha Raksha Supreme |
|---|---|---|---|
| Plan type | Term Plan | Term Plan | Term Plan |
| Sum assured | ₹ 25,00,000 to no limit | Base sum assured- Rs 25 lakhs to No limit | Base sum assured: Rs 50 lakhs to no limit |
| Entry age | 18 to 65 years | Minimum age- 18 years, Maximum age- 65 years | Minimum Age - 18 years. Maximum Age - 50 years. |
| Top benefits | Financial protection · Illness and waiver benefits | Choice of Plan Options · Instant Payment on Claim Intimation | Additional Riders · High Cover Discount |
Why Choose PolicyX.com?
Don't just take our word for it — check out what our happy customers say about us!
All my claims were rejected for 3 years. Then, I received a text from PolicyX team, who noticed that my claims hadn't been settled. They managed to get my claims settled, totalling ₹4.5 L. I really appreciate the efforts of the PolicyX advisors for their support in settling my claims.
Ravindra SinghI highly appreciate the help of the PolicyX team for settling my claim of Rs. 5 Lakhs with zero deductions. I took a policy online from them in March 2024. As a customer, it's been a great experience throughout the process.
Priti VarshneyI'm very satisfied because my claim of over ₹2 L has been settled as a result of your team effort. However, I was very upset with the insurer, who delayed the claim for almost 2 months. But with your support and interaction, the claim was settled within 30 days & I appreciate it a lot.
Nisha MaryI bought my health policy from PolicyX, and so far, it's been a very pleasant experience with the team. I really appreciate the help for renewing my health policy. I look forward to continuing my relationship with PolicyX and recommend it to everyone.
Ajay ShahPolicyX has been a savior during a medical emergency in my family recently. My wife was admitted in the hospital, and the insurance company declined my claim request. The PolicyX team handled the situation very well and I received the claim right on time.
Vijay RathodI purchased a health plan for the very first time and the support by PolicyX is commendable. They helped me with the paperwork, explained the policy details to me with patience and supported me at every step of policy buying. A big thanks to you guys.
Uma MahajanFrequently asked questions
The 18 most-asked questions about Tata AIA Term Insurance, answered.
The company provides customers with a variety of convenient options to make premium payments such as Net banking /Credit Cards/Debit Cards/Paytm/Wallets etc.
Yes. If you are a smoker, you have to pay a higher premium than a non-smoker.
No, one can’t change a term plan’s specifications after buying it. However, if required, one can opt for a plan that has an increasing or decreasing sum assured.
Various documents are required to file a death claim such as photo identification proof, current address proof, canceled cheque, death certificate, proof of legal title to the claim proceeds, and cause of death–related documents.
Yes, you can change the beneficiary of the TATA AIA term plan during the tenure of the policy.
TATA AIA term plan offers a 30 days free look period to cancel your policy and the premium paid will be refunded.
No, the TATA AIA term plan does not offer maturity benefits. You can choose the Term Insurance with Return of Premium (TROP) Plan in which you can get back the premiums paid on term insurance.
Various term plans introduced by TATA AIA include TATA AIA Sampoorna Raksha Promise, TATA AIA Instaprotect Solution, TATA AIA Maha Raksha Supreme Select, TATA AIA Saral Jeevan Bima, and TATA AIA Bharat Suraksha Cover Micro Insurance Plan.
The Claim Settlement Ratio of the TATA AIA Term Insurance plan is 99.01%.
Yes, Tata AIA term insurance is one of the trusted and leading life insurance companies operating in India.
Yes investing in Tata AIA life insurance plans is 100% safe.
Tata AIA term insurance plans has a waiting period of 15 to 30 days
Yes, Tata AIA is a good insurance company to buy a term insurance plan.
Both Tata AIA and LIC are good term insurance companies. While LIC offers low-cost term plans with minimum customization, Tata AIA offers more customization options.
The Tata AIA term plan calculator is an online tool that helps to calculate the premiums for Tata AIA term plans.
Tata AIA 1 crore term insurance provides 1 crore sum assured in case of the policyholder’s uncertain death during the policy tenure.
Tata AIA 2 crore term plans offers an insurance coverage of Rs 2 crore to your family in case of your uncertain death.
Your policy will lapse if you don’t pay premiums on time.
Customer satisfaction
Aggregate ratings from 937 verified PolicyX customers who bought a Tata AIA Term Insurance plan.
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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