Insurance Company
Tata AIA Life Insurance
Policy Name
Sampoorna Raksha Promise
Expert Overview -
Tata AIA is a life insurer formed as a joint venture between Tata Sons Pvt. Ltd. and AIA Group Ltd., combining Tata’s Indian presence with AIA’s pan-Asia insurance expertise.
Plan Strategy -
A comprehensive term policy with flexible plan options, including choices like whole-life cover/return-of-premium variants (as applicable), and the ability to enhance cover with riders such as accident/disability and other optional benefits.
Network Hospitals
N/A+
Not applicable
Claim Ratio
99.41%
>95% recommended
Complaints
3
<10 recommended
Policy Features
Policy Analysis Detail
Inbuilt Value
Strategic Verdict
4 hrs express claim settlement
Included
Standard Feature
Option to defer 12 months premium once
Included
Standard Feature
Accelerated payout of 50% coverage in case of terminal illness
Included
Standard Feature
Instant claim payout of 3 lacs on intimation
Included
Standard Feature
Option to include upto 40 critical illness
Included
Standard Feature
Flexibility to cover spouse under joint life option
Included
Standard Feature
Based on IRDAI Public Disclosures (2025-26)
Enhanced Coverage
Key Add Ons Available
Accidental Death BenefitAdditional payout on accidental death
Waiver of PremiumPremiums waived on disability or CI
Critical Illness BenefitLump-sum on CI diagnosis
