TATA AIA Sampoorna Raksha Promise

Quick Information

Basic Details

Entry Age 18 to 65 years

Coverage Amount Not specified

Policy Term Up to 82 years

Premium Payment Up to 81 years

Claim Settlement 99.41% (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

Joint life option available

Return of premium variant available

Terminal illness benefit with premium waiver

Multiple death payout options

Top-Up SA increasing cover option

Watch Out For

Premiums higher than basic term plans

Critical illness cover requires rider purchase

Complex product structure with many options

Very long claim form

No dedicated personal relationship manager for claims

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 subject to policy definitions and medical assessment

Increasing cover subject to underwriting approval

FlexiPay available only after eligibility conditions are met

Misrepresentation or non-disclosure may lead to claim rejection

⚡ At a Glance

Return of Premium Whole Life Cover Income Benefit Monthly Income Option Waiver of Premium Joint Life Available Child Education Benefit Smoker Allowed Terminal Illness Cover Increasing Cover Critical Illness Rider Accidental Death Rider

Death Benefit Options

•["Lump Sum"

•"Monthly Income"

•"Combination Payout"

•"Increasing Income"]

Premium Payment Options

•Regular Pay

•Limited Pay

•Single Pay

Premium Frequency

•Annual

•Semi-Annual

•Quarterly

•Monthly

Available Riders

•Critical Illness Rider: Coverage against 40 specified critical illnesses

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

•Terminal Illness Benefit: 50% of effective sum assured paid on terminal illness with future premium waiver

Additional Features Not Present In Core Database

•Life Stage Cover Enhancement

•Top-Up Sum Assured Option

•Family Plan Option

•Child Education Protect

•Premium Holiday During Pregnancy

•Super Retirement Benefit

Claims Experience Details

•99.18% claims settled within 30 days

•Claim complaint ratio 0.03%

•Claim settlement ratio by value 98.38%

•Solvency ratio 180%

•Online claim tracking available

Not Available Features

•Dedicated Personal Relationship Manager For Claims

•Dedicated Toll-Free Number For Claims Service

•Separate Claim Form For Above 3-Year Claims

Home Pickup Of Claims Documents

•Available

Age-wise Premium Breakdown

Age	Premium (approx)
18-25 Years	₹6,000
26-35 Years	₹7,200
36-45 Years	₹11,100
46-55 Years	₹16,500
56-65 Years	₹27,000

Premium by Cover Amount

Cover Amount	Premium (approx)
₹50 Lakh	₹7,000
₹1 Cr	₹14,000
₹2 Cr	₹27,000

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.

Waiver of Premium

Future premiums are waived in case of critical illness or permanent disability.

Joint Life Option

Option to cover your spouse under the same policy.

Income Benefit Payout

Death benefit can be structured as regular monthly/annual income instead of a lump sum.

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.

Terminal Illness Benefit

50% of effective sum assured paid on terminal illness with future premium waiver

Official Policy PDF

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

Download (1.2 MB)

MyInsureBuddy Score

Recommended

Among top 20% in category

Claim Settlement 98%

Product Benefits 0%

Value for Money 86%

Flexibility 96%

Rider Strength 90%

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

Additional Features Not Present In Core Database

Claims Experience Details

Not Available Features

Home Pickup Of Claims Documents

Age-wise Premium Breakdown

Premium by Cover Amount

Coverage & Benefits

Terms & Conditions (Simplified)

Maximum Maturity Age

Free Look Period

Grace Period

Revival Period

Joint Life Option

FlexiPay Benefit

Return of Premium

Family Plan

What's Not Covered

Official Policy PDF

MyInsureBuddy Score

Quick Actions

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