TATA AIA Maha Raksha Supreme Select

Quick Information

Basic Details

Entry Age 18 to 65 years

Coverage Amount Not specified

Policy Term Up to 82 years

Premium Payment Up to 80 years

Claim Settlement 99.13% (FY 2025)

Claim Value Ratio 0.00%

Best For

Families needing comprehensive coverage

People who want no room rent restrictions

Those preferring cashless treatments

Individuals looking for AYUSH coverage

Senior citizens seeking reliable cover

What Works Well

Coverage available till age 100

Strong claim settlement ratio

Joint life option available

Rolling Limited Pay feature

Critical illness rider available

Accidental death benefit available

Watch Out For

No increasing cover feature

No early exit benefit

No claim payout customization

No waiver of premium rider for critical illness

Premiums higher than many competitors

No monthly income payout option

Hidden Clauses - Read Very Carefully!

These clauses are often buried in fine print. MyInsureBuddy surfaces them so you're never surprised at claim time.

Suicide exclusion during first 12 months

Terminal illness benefit payable only after policy conditions are met

Additional cover options subject to underwriting approval

Joint life benefits vary based on selected option

Misrepresentation or non-disclosure can lead to claim rejection

⚡ At a Glance

Return of Premium Whole Life Cover Joint Life Available Child Education Benefit Smoker Allowed Terminal Illness Cover Critical Illness Rider Accidental Death Rider

Death Benefit Options

•["Lump Sum"]

Premium Payment Options

•Regular Pay

•Limited Pay

•Single Pay

Premium Frequency

•Annual

•Semi-Annual

•Quarterly

•Monthly

Available Riders

•Critical Illness Rider: Additional payout on diagnosis of 60 covered critical illnesses

•Accidental Death Benefit Rider: Additional payout in case of accidental death

Claims Experience

•99.58% claims settled within 30 days

•Claim settlement ratio of 99.13%

•Only 0.03% claim complaints

•Online claim tracking available

Features Not Supported

•Increasing cover option not available

•Early exit with premium refund not available

•Monthly income payout option not available

•Claim payout customization not available

•Waiver of premium rider not available

Additional Benefits

•Rolling Limited Pay option

•Joint Life cover option

•Education Secure benefit

•Instant claim payout facility

•FlexiPay premium deferment feature

•Terminal illness benefit with inbuilt premium waiver

Customer Service Details

•Twitter support response is quick

•Toll-free support response is slower than industry leaders

•No personal relationship manager available

Home Pickup of Claims

•Available

Age-wise Premium Breakdown

Age	Premium (approx)
18-25 Years	₹9,000
26-35 Years	₹12,150
36-45 Years	₹18,450
46-55 Years	₹28,350
56-65 Years	₹45,900

Premium by Cover Amount

Cover Amount	Premium (approx)
₹50 Lakh	₹9,500
₹1 Cr	₹17,500
₹2 Cr	₹34,000

Coverage & Benefits

Base Death Benefit

Lump sum or income payout to nominees upon the policyholder's demise during the policy term.

Terminal Illness Cover

Accelerated payout of the base cover if diagnosed with a terminal illness.

Return of Premium

100% refund of total premiums paid if the policyholder survives the policy term.

Whole Life Cover

Extended life coverage up to 99 or 100 years of age.

Joint Life Option

Option to cover your spouse under the same policy.

Child Education Benefit

Additional payouts tailored to secure a child's educational milestones.

Critical Illness Rider

Lump sum payout upon diagnosis of covered critical illnesses.

Accidental Death Rider

Additional sum assured paid in case of death due to an accident.

Official Policy PDF

Download the official IRDAI-filed brochure from TATA AIA Life Insurance.

Download (0.3 MB)

MyInsureBuddy Score

Recommended

Among top 20% in category

Claim Settlement 97%

Product Benefits 0%

Value for Money 70%

Flexibility 81%

Rider Strength 88%

Hidden Risk Safety 0%

Risk Level Low Risk (2/10)

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Quick Information

What Works Well

Watch Out For

Hidden Clauses - Read Very Carefully!

⚡ At a Glance

Death Benefit Options

Premium Payment Options

Premium Frequency

Available Riders

Claims Experience

Features Not Supported

Additional Benefits

Customer Service Details

Home Pickup of Claims

Age-wise Premium Breakdown

Premium by Cover Amount

Coverage & Benefits

Terms & Conditions (Simplified)

Maximum Maturity Age

Free Look Period

Grace Period

Revival Period

Early Exit Benefit

Rolling Limited Pay

Joint Life Cover

Child Education Benefit

What's Not Covered

Official Policy PDF

MyInsureBuddy Score

Quick Actions

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