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Tata AIA vs HDFC Life Term Insurance: 2026 Comparison
Tata AIA Sampoorna Raksha Promise vs HDFC Life Click 2 Protect Supreme Plus, compared on terminal illness, payouts, riders, premium breaks and claim record.
Sampoorna Raksha Promise or Click 2 Protect Supreme Plus: which should you buy?
Tata AIA Sampoorna Raksha Promise and HDFC Life Click 2 Protect Supreme Plus are the two highest-scoring plans in nyvo's Term Plan Rating. Sampoorna Raksha Promise wins on flexibility: cover to 100, split payouts and lower rates for women. Click 2 Protect Supreme Plus wins on the terminal illness payout, Smart Exit and event-based cover increases.
Tata AIA settles 99.5% of individual death claims and HDFC Life 99.6% (IRDAI data, weighted average of the last three financial years, latest available as of March 2026). HDFC Life draws 1.33 complaints per 10,000 claims on the same data; we do not have a verified complaint figure for Tata AIA, so we do not compare the two on complaints.
On nyvo's Term Plan Rating, Sampoorna Raksha Promise scores 94 and Click 2 Protect Supreme Plus 92 out of 100, the top two plans in our best term plans for 2026. Here is how we rate plans.
How do the two plans compare, feature by feature?
Sampoorna Raksha Promise and Click 2 Protect Supreme Plus both offer cover with no fixed upper limit, entry up to 65, a terminal illness benefit and a way to pause premiums. They differ on how much terminal illness pays, who shapes the payout, how long cover runs and which riders you can add.
| Feature | Tata AIA Sampoorna Raksha Promise | HDFC Life Click 2 Protect Supreme Plus |
|---|---|---|
| Claim settlement ratio | 99.5% | 99.6% |
| Minimum cover | ₹5 lakh | ₹50 lakh |
| Maximum cover | No upper limit, subject to underwriting | No upper limit, subject to underwriting |
| Entry age | 18 to 65 (60 on Joint Life Promise, 55 on the Plus options) | 18 to 65 |
| Cover can run to | Age 100 | Age 85 |
| Plan options | Life Promise, Life Promise Plus (premiums back), Joint Life Promise, Joint Life Promise Plus | Life, Life Plus (double payout on accidental death), Life Goal (reducing cover) |
| Terminal illness | 50% of the sum assured paid early, with every future premium waived; not on bank or point-of-sale policies | The sum assured paid early, up to ₹2 crore, if diagnosed before 80 |
| Payout shape | Lump sum, staggered income for up to 30 years, or any split, fixed at purchase | Lump sum or monthly income; a split only through the Parent Protect Care rider |
| Premiums back | On the Plus options, for a higher premium | Smart Exit after 25 years, on policy terms of 31 years or more (not on Life Goal) |
| Pausing premiums | FlexiPay: defer 12 months once 5 full years are paid; a 12-month pregnancy holiday after 2 years' premiums, twice | Defer one year's premium after 5 policy years; for women after 2 years, during pregnancy or within six months of a delivery or a spouse's death |
| Critical illness rider | Criticare and Criticare Plus: 40 illnesses, 90-day wait, 5-year benefit term, cover to 75 | Health Plus: 60 conditions, 90-day wait, 15-day survival period, up to 15 years |
Plan features from each plan's brochure and policy document (Sampoorna Raksha Promise UIN 110N176V12; Click 2 Protect Supreme Plus UIN 101N189V01), as recorded in nyvo's policy database. Claim settlement ratios: IRDAI data, weighted average of the last three financial years, latest available as of March 2026.
Where is Sampoorna Raksha Promise the better choice?
Sampoorna Raksha Promise suits a buyer who wants long cover, a flexible payout for the family and lower rates for a woman on the policy.
- Cover to age 100, against 85 on Click 2 Protect Supreme Plus.
- A payout your family can live on. The death benefit can be a lump sum, a staggered income for up to 30 years or any split of the two, with no rider needed. The income can stay level or rise each year at a simple rate of up to 15%.
- 15% lower premium rates for women.
- Two ways to pause. FlexiPay defers 12 months of premium once five full years are paid, and a woman can take a 12-month premium holiday during pregnancy after two years' premiums, up to twice.
- Premium waiver on terminal illness. Half the sum assured is released early and every future premium is waived while the rest of the cover continues.
- A ₹5 lakh minimum, so smaller covers are possible.
Where does Click 2 Protect Supreme Plus pull ahead?
Click 2 Protect Supreme Plus suits a buyer who wants the most from the terminal illness benefit, the option of premiums back without paying for a refund variant, and cover that grows with life events.
- A bigger terminal illness payout. It brings the sum assured forward, up to ₹2 crore, on a diagnosis before 80. On ₹1 crore of cover that is the full ₹1 crore early, against ₹50 lakh on Sampoorna Raksha Promise.
- Smart Exit. You can take your premiums back after 25 years on policy terms of 31 years or more, on the Life and Life Plus variants; taking it ends the cover.
- Cover that grows with you. Raise cover by up to 50% on marriage, a child or a home loan, with no fresh medicals.
- Life Goal, a variant whose cover steps down against a home loan being paid off.
- Riders for income and family, including waiver of premium, accidental income, education income for a child, spouse cover and Parent Protect Care.
- A very low complaint rate: 1.33 per 10,000 claims (IRDAI data, weighted average of the last three financial years, latest available as of March 2026).
What should you check before buying either plan?
Tata AIA Sampoorna Raksha Promise
- The instant ₹3 lakh on claim intimation needs cover of ₹1 crore or more, and pays nothing if death happens in the first three policy years.
- Joint life pays once, on the first death, and then ends. The survivor keeps cover only if the Cover Continuation Option was chosen at inception, and its premium comes out of the payout.
- The critical illness rider carries a five-year benefit term and stops at 75, so what you buy at 40 is not what you hold at 60 unless you keep renewing it.
- Terminal illness cover is not included on policies bought through a bank or a point-of-sale agent, which also carry a 90-day waiting period on death.
HDFC Life Click 2 Protect Supreme Plus
- In nyvo's premium data for a 30-year-old non-smoker buying ₹1 crore, it costs the most of the five plans we rate; see what ₹1 crore costs and compare before deciding.
- Smart Exit needs a policy term of at least 31 years and is not offered on Life Goal.
- Terminal illness acceleration stops at 80, while cover can run to 85.
- Each rider is priced separately, and a long rider list can push a quote well above a plain term premium.
Which plan should you choose?
Choose Sampoorna Raksha Promise if you want cover past 85, want your family paid as a mix of lump sum and income, or are buying cover for a woman and want the lower rates.
Choose Click 2 Protect Supreme Plus if you want the sum assured paid early on a terminal illness diagnosed before 80, up to ₹2 crore, expect your cover needs to rise with marriage, children or a home loan, or want the chance of premiums back on a long term without buying a refund variant.
A couple should usually buy two separate policies rather than Tata AIA's joint-life option; our joint life term insurance guide explains why.
Want both quoted for your age and cover? A nyvo advisor can price the two plans like for like and walk you through the riders worth adding. Book a free call. It costs you nothing; here is how nyvo is paid.
FAQs
Which plan pays more on a terminal illness?
HDFC Life Click 2 Protect Supreme Plus, on covers up to ₹2 crore. It pays the sum assured early, up to ₹2 crore, if the diagnosis comes before age 80. Tata AIA Sampoorna Raksha Promise pays half the sum assured early and waives every future premium while the remaining cover continues, and does not offer the benefit on bank or point-of-sale policies.
Is Tata AIA's joint life option worth taking?
Usually not. The policy pays once, on the first death or on both of you dying together, and then ends. The surviving spouse is uninsured unless the Cover Continuation Option was chosen at inception, and the premium for that replacement cover is deducted from the payout. Two separate policies keep both of you covered.
Can I get my premiums back?
Tata AIA Sampoorna Raksha Promise returns premiums on its Plus options, which cost more. On HDFC Life Click 2 Protect Supreme Plus, Smart Exit returns your premiums after 25 years on policy terms of 31 years or more, on the Life and Life Plus variants. Taking it ends the cover.
Which plan is better for a woman buying term insurance?
Tata AIA Sampoorna Raksha Promise prices cover for women 15% lower and offers a 12-month premium holiday during pregnancy after two years' premiums, up to twice. HDFC Life Click 2 Protect Supreme Plus lets a woman defer a year's premium after two years during pregnancy, or within six months of a delivery or a spouse's death.
Which insurer has the better claim record?
They are almost level. HDFC Life settles 99.6% of individual death claims and Tata AIA 99.5% (IRDAI data, weighted average of the last three financial years, latest available as of March 2026).
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