Tata AIA Term Insurance
Tata AIA Maha Raksha Supreme Select is a pure term insurance plan that ...Read More
A quick read on what this Tata AIA Term Insurance term plan covers and why it might be a fit for you.
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 debts. It is a Non-Participating, non-linked, and Individual Life Insurance product that provides flexibility at every step. Under this plan, you get 4 death benefit options, 50% acceleration of sum assured and waiver of premiums on terminal illness, and whole life cover. You also get joint life cover for your spouse, discounts for salaried individuals and women, instant claim payout, FlexiPay benefit to defer premiums, and optional riders for wellness and health benefits.
Tata AIA Maha Raksha Supreme Select Plan offers various benefits, including:
A quick honest summary — the strengths and the trade-offs.
Eligibility criteria pulled straight from the policy wording.
Let's understand how the Tata AIA Maha Raksha Supreme Select Plan works with a simple premium illustration.
Mr. Sharma needs a term insurance plan that offers comprehensive financial protection for his family with options for individual or joint coverage.
He visited PolicyX.com, analyzed the plans, and selected the Tata AIA Maha Raksha Supreme Select Plan.
Let us see a brief illustration of the Tata AIA Maha Raksha Supreme Select Plan.
| Age | Annual premiums | Policy tenure | Premium payment term | Sum Assured | Total premiums paid |
| 30 years | ₹9,300 | 30 years | 30 years | ₹50 Lakhs | ₹2,79,000 |
Key Takeaways: In case of Mr. Sharma's demise during the policy tenure, ₹1 Crore will be paid to his nominee.
You can add the following riders to your Tata AIA Maha Raksha Supreme Select Plan:
Provides a lump-sum payout if you are diagnosed with a covered critical illness.
Adds extra life cover or payout in case of death, disability, or terminal illness.
Offers additional protection benefits along with rewards for staying healthy and active.
Provides health-related benefits and rewards based on your fitness and wellness activities.
Key features that make Tata AIA Maha Raksha Supreme Select Plan stand out.
Information regarding policy portability for this plan is not available on this page.Here are the key benefits of the Tata AIA Maha Raksha Supreme Select Plan.
Documents required for this plan are not specified on this page.Here is the list of exclusions associated with the plan:
If suicide occurs within 12 months of the policy issuance, the nominee will receive 80% of the premiums paid or the surrender value, whichever is higher.
The policy provides an accelerated payout of 50% of the sum assured if the insured is diagnosed with a terminal illness. This benefit is not payable if the claim is made within two years of the policy issuance date or if the condition is directly associated with suicide in the first year.
Under joint life options, this exclusion applies to simultaneous death. The benefit is not payable if death is associated with pre-existing conditions, self-harm or abuse, conflict and war, hazardous activities (such as deep-sea diving or paragliding), aviation risks, criminal acts, nuclear events, or professional/occupational risks.
The Tata AIA Maha Raksha Supreme Select Plan brings together protection, flexibility, and long-term
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The 5 most-asked questions about Tata AIA Maha Raksha Supreme Select Plan, answered.
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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