Maha Raksha Supreme Select in one table
| Insurer | Tata AIA Life Insurance Company Limited |
|---|---|
| Sum insured | ₹25 lakh upwards, with no stated upper limit. What you are offered above that depends on your age, income and health at underwriting. |
| Entry age | 18 to 65 years (last birthday). Bought through a bank or a point-of-sale agent, entry closes at 60 on Life Secure and Joint Life Secure, and at 55 on the two Plus options. |
| Cover runs to | Up to 100 years. Bought through a bank or a point-of-sale agent, cover ends at 65. |
Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.
What Maha Raksha Supreme Select does, and what it does not
Term insurance is a narrow product, so the useful question is not how this plan scores against a benchmark – it is what it pays for and what it leaves out. Both lists come from Tata AIA's own documents.
Which variant should you take?
This plan is sold in more than one form, and the choice is made once at purchase. Picking the wrong one is not something you can quietly correct later, so it is worth a minute now.
Cover on a single life with nothing paid at maturity. The shortest term of the four at five years, and the cheapest way into the plan.
The same cover with 100% of the premiums you paid handed back if you outlive the term. The minimum term rises to ten years and the premium is materially higher – you are pre-funding the refund yourself.
You and your spouse on one policy. It pays on the first death, or on both of you dying together, and then it ends. The survivor is left without cover, which is the trade for the single premium.
The joint-life version with all premiums returned if both of you survive the term. It carries the same single-payout limitation as Joint Life Secure.
Maha Raksha Supreme Select exclusions: what the plan will not pay for
Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.
Where Maha Raksha Supreme Select falls short
No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.
Maha Raksha Supreme Select questions, answered
How much cover does Maha Raksha Supreme Select offer?
₹25 lakh upwards, with no stated upper limit. What you are offered above that depends on your age, income and health at underwriting.
Who can buy Maha Raksha Supreme Select?
Entry to Maha Raksha Supreme Select runs from 18 to 65 years. Cover can run to age 100, which is the maximum maturity age on this plan. What you are actually offered still depends on your income, health and any cover you already hold.
What does Maha Raksha Supreme Select not cover?
Like every term plan, Maha Raksha Supreme Select excludes suicide within 12 months of the policy starting or of its latest revival – the nominee receives the higher of 80% of the premiums paid or the surrender value, provided the policy is in force. Other exclusions are listed on this page, and the policy wording you are issued is the contract.
Read it from the insurer
We summarise. The policy wording is the contract, and it is the only document that settles a dispute. These links go to the insurer's own pages.
Understand the terms before you commit
A plan page tells you what this policy does. These explain why each term matters and what it costs you when it is missing.
Other Tata AIA plans we have read
Tata AIA files these separately, and the terms differ between them. If you are choosing within the range, compare the waiting periods and the exclusions rather than the sum insured.