Tata AIA term insurance review
Tata AIA Life settles 99.5% of the death claims it decides and draws 3.0 complaints per 10,000 claims (IRDAI data, three-year average to March 2026), one of the strongest records among life insurers. Its Sampoorna Raksha Promise cost ₹782 a month for ₹1 crore at age 30 in our May 2026 premium data.
Written by Shadab SayeedReviewed by Kshitij JainUpdated nyvo insurance Services LLP, IRDAI Corporate Agent (Composite) CA1085Salaried advisors, no commission-based ranking
IRDAI published data, weighted over three financial years. Last checked . Compare every life insurer · Tata AIA claim settlement ratio
Tata AIA at a glance
| Death claims settled | 99.5%, ranked 3rd of 22 life insurers |
|---|---|
| Complaints per 10,000 claims | 3.0, ranked 4th of 21 (fewer is better) |
| Term plans we have read | Maha Raksha Supreme Select, Sampoorna Raksha Promise |
| Death claim deadline | 15 days from intimation, or 45 days if the insurer investigates (IRDAI, 5 September 2024) |
| Full name | Tata AIA Life Insurance Company Limited |
| ₹1 crore of cover at age 30 | ₹782 a month for a man, ₹664 for a woman, on Sampoorna Raksha Promise (nyvo premium data, May 2026) |
If Tata AIA is on your shortlist, ask one of our advisors to set it beside the alternatives. They are paid a salary, not per policy.
Why the settlement ratio tells you less here
A death claim is a binary event with a fixed sum, so life insurers settle almost all of them and their ratios cluster tightly while complaint volume across the market spans roughly 136 times. A two-point difference in settlement ratio is close to noise. What actually decides your family’s claim is what you disclosed when you bought, whether the policy was in force on the day, and whether the claim falls inside the first three years – the window in which Section 45 of the Insurance Act still lets the insurer contest on non-disclosure.
Is Tata AIA term insurance good?
Yes, on the numbers. 99.5% of death claims settled is the third-highest in our life table, after HDFC Life and Bandhan Life at 99.6%, and 3.0 complaints per 10,000 claims is the fourth-lowest (IRDAI data, 2022-25). After three policy years, Sampoorna Raksha Promise also pays a ₹3 lakh advance within one working day of a registered death claim, with the rest after the claim is assessed.
Sampoorna Raksha Promise or Maha Raksha Supreme Select?
Start with Sampoorna Raksha Promise, the one we rate and have priced. Tata AIA sells it and Maha Raksha Supreme Select in the same four shapes: single life, single life with every premium returned, and joint-life versions of both that put you and your spouse on one policy, with cover up to age 100. Our Tata AIA vs HDFC Life comparison sets it against the plan with the lowest complaint rate.
Is Tata AIA the same as Tata AIG?
No, and the names cause real confusion. Tata AIA Life Insurance sells life cover, including term plans. Tata AIG General Insurance is a separate company whose health plans we cover on our Tata AIG health insurance review. If you were searching for Tata AIG term life insurance, Tata AIA is the company you want.
The 2 Tata AIA plans we have read
Filing a Tata AIA death claim
IRDAI requires a death claim to be settled within 15 days of intimation, or 45 days of intimation where the insurer orders an investigation (Master Circular on Protection of Policyholders’ Interests, 5 September 2024). Those are deadlines your nominee can quote, not guidelines.
Servicing your Tata AIA policy
If you already hold a Tata AIA policy, these are its official servicing routes. The numbers and links are Tata AIA’s own, current as of our last check. The single most important thing is that your nominee knows the policy exists and where to find these details – a term claim can only be made by someone who does.
Tata AIA customer care number
Pay your Tata AIA premium
Tata AIA premium payment →Tata AIA claim status
File or track on Tata AIA →Tata AIA questions, answered
What is the Tata AIA claim settlement ratio?
99.5%, as a weighted average of the last three financial years from IRDAI published data, ranking Tata AIA 3rd of 22 life insurers. Read it knowing that life settlement ratios cluster above 96% and separate almost nobody, while complaint volume across life insurers spans roughly 136 times.
How does a nominee file a Tata AIA death claim?
Intimate the insurer with the policy number and date of death, then submit the death certificate, the policy document, the nominee's ID and bank details, and the claim form. IRDAI requires the insurer to settle within 15 days of intimation, or 45 days of intimation where it orders an investigation (Master Circular on Protection of Policyholders' Interests, 5 September 2024). Our Tata AIA death claim guide sets out the full document set and the escalation path.
Is a high claim settlement ratio enough to choose Tata AIA?
No, and on the life side less than most buyers assume. Life settlement ratios sit within a few points of each other because a death claim is a binary event with a fixed sum. What decides your family's claim is disclosure at the time of buying, whether the policy was in force, and whether it fell inside the first three years, when Section 45 still allows the insurer to contest on non-disclosure.
Which Tata AIA term plans has nyvo reviewed?
2. Each is read from the insurer's own policy wording and prospectus rather than marketing material, and each page states what the plan does not do as plainly as what it does.
What is the Tata AIA customer care number?
Tata AIA's customer care line is 1800-266-9966, and its website is https://www.tataaia.com/. Claims can be emailed to claims@tataaia.com. For a term policy the number that matters most is the one your nominee calls to intimate a claim, so keep it with the policy document.
How do I pay my Tata AIA premium online?
Pay on Tata AIA's official premium-payment portal (linked above under "Managing your Tata AIA policy") using your policy number. A term policy lapses if a premium is missed beyond its grace period, and reviving it can need fresh medical underwriting, so the payment date matters more than for most bills.
How does my nominee check a Tata AIA claim online?
Intimate and track a Tata AIA claim on its online portal (linked above), or call 1800-266-9966. IRDAI requires a death claim to be settled within 15 days of intimation, or 45 days of intimation where an investigation is ordered (Master Circular on Protection of Policyholders' Interests, 5 September 2024).
Can a husband and wife be covered on one Tata AIA term policy?
Yes. Sampoorna Raksha Promise and Maha Raksha Supreme Select both have joint-life options that put you and your spouse on one policy, with or without every premium returned at maturity. One policy is simpler to manage, but check what happens to the survivor's cover after the first claim before choosing it over two separate policies.
The ratio will not decide your family’s claim. Disclosure will.
We read the wording before recommending a term plan, and we help the nominee when the claim comes. If you are weighing Tata AIA against another insurer, talk it through first.
Talk to an advisor →Sources
- IRDAI annual reports, the published source of insurer death-claim data · read 24 Oct 2026
- Tata AIA Sampoorna Raksha Promise brochure (UIN 110N176V13) · read 24 Oct 2026
- nyvo's own premium data, May 2026, as published in our ₹1 crore term plan comparison
nyvo is an IRDAI-registered corporate agent (composite), licence CA1085. Figures are from IRDAI published disclosures, reproduced without adjustment, and describe the insurer rather than any individual policy.