Tata AIA Sampoorna Raksha Promise vs ICICI iProtect Smart Plus

Sampoorna Raksha Promise or iProtect Smart Plus: which should you buy?

Tata AIA Sampoorna Raksha Promise is the cheaper plan at age 30 and the higher-rated of the two; ICICI Pru iProtect Smart Plus pays the whole death benefit early on a terminal illness. Sampoorna Raksha Promise runs cover to 100 and starts at ₹5 lakh. iProtect Smart Plus lets you raise cover on a home loan, marriage or a child, and take premiums back through Smart Exit.

For a non-smoking 30-year-old man, ₹1 crore of cover to age 60 costs ₹9,384 a year on Sampoorna Raksha Promise and ₹10,020 on iProtect Smart Plus (nyvo's own premium data, May 2026). Tata AIA settles 99.5% of individual death claims and ICICI Prudential 98.5%, and Tata AIA draws 3.0 complaints per 10,000 claims against ICICI Prudential's 11.0 (IRDAI data, a weighted average of the last three financial years, latest available as of March 2026).

On nyvo's Term Plan Rating, Sampoorna Raksha Promise scores 4.7 and iProtect Smart Plus 4.4 out of 5 in our best term plans for 2026; here is how we rate plans.

How do Sampoorna Raksha Promise and iProtect Smart Plus compare, feature by feature?

Sampoorna Raksha Promise and iProtect Smart Plus both take entry from 18 to 65, set no fixed upper limit on cover, let you fix a lump sum, an income or a split at purchase, and let you defer a year's premium once five years are paid. They differ on terminal illness, minimum cover, how long cover runs and the riders on offer.

Plan features from the Sampoorna Raksha Promise brochure, policy document and customer information sheet (UIN 110N176V12) and the iProtect Smart Plus brochure (UIN 105N205V04) and policy document, as recorded in nyvo's policy database. Claim settlement ratios: IRDAI data, a weighted average of the last three financial years, latest available as of March 2026. Premiums: age 30, ₹1 crore cover, cover till 60, regular pay, non-smoker and non-diabetic, salaried graduate on ₹10 lakh income; nyvo's own premium data, May 2026.

Which is cheaper, Sampoorna Raksha Promise or iProtect Smart Plus?

Tata AIA Sampoorna Raksha Promise is the cheaper plan at age 30. A non-smoking 30-year-old man pays ₹9,384 a year for ₹1 crore of cover to 60 on Sampoorna Raksha Promise and ₹10,020 on ICICI Pru iProtect Smart Plus, so ICICI costs ₹636 a year more, about 7% (nyvo's own premium data, May 2026).

Age 30, ₹1 crore cover, cover till 60, regular pay, non-smoker and non-diabetic, salaried graduate on ₹10 lakh income. nyvo's own premium data, May 2026.

At 30, Sampoorna Raksha Promise is the second cheapest of the five plans nyvo rates and iProtect Smart Plus the second dearest (nyvo's own premium data, May 2026). Each plan's price moves differently with age, so get both quoted at your own age. Our ₹1 crore term insurance cost breakdown shows how premiums rise with entry age from 25 to 45.

Where is Sampoorna Raksha Promise the better choice?

Tata AIA Sampoorna Raksha Promise suits a buyer who wants the lower premium at 30, the stronger claim record, cover that runs to 100 and a family income that can last up to 30 years and rise each year. It also sells cover from ₹5 lakh and offers a 12-month premium holiday in pregnancy.

• The lower premium at 30. ₹9,384 a year against ₹10,020 for a non-smoking man buying ₹1 crore of cover to 60, and ₹664 a month against ₹710 for a woman (nyvo's own premium data, May 2026).
• The stronger claim record. Tata AIA settles 99.5% of individual death claims against ICICI Prudential's 98.5%, and draws 3.0 complaints per 10,000 claims against 11.0 (IRDAI data, a weighted average of the last three financial years, latest available as of March 2026).
• Cover to age 100, against 85 on iProtect Smart Plus, or 99 on its whole-life option.
• A longer family income. The income can run for up to 30 years, level or rising each year at a simple rate of up to 15%, and your nominee can turn what is left into a lump sum at any point. iProtect Smart Plus pays its income over 10 years.
• A ₹5 lakh minimum, against ₹50 lakh, so a smaller cover is possible.
• A pregnancy premium holiday. A woman can take a 12-month premium holiday during pregnancy after two years' premiums, up to twice in the premium term. Like FlexiPay it is a deferral: the held-back premium falls due later, and cover continues throughout.
• Joint cover, if you want it. Joint Life Promise puts you and your spouse on one policy, though it pays only once.
• More riders to choose from. The Comprehensive Protection Rider adds a second term cover, accidental death, accidental disability and critical illness, and the brochure also allows the Vitality Protect, Vitality Health and Comprehensive Health riders. nyvo's policy database records one rider for iProtect Smart Plus, for critical illness.

Where does iProtect Smart Plus pull ahead?

ICICI Pru iProtect Smart Plus suits a buyer who wants the whole death benefit early on a terminal illness, expects cover needs to grow with a home loan, marriage or children, and wants a route to premiums back without paying for a refund variant. Its critical illness rider also offers a 60-condition package.

• The whole death benefit early on a terminal illness. iProtect Smart Plus brings the entire death benefit forward and the policy then ends. On ₹1 crore of cover that is ₹1 crore early, against ₹50 lakh on Sampoorna Raksha Promise.
• Cover that grows with you. Raise cover by 100% on a home loan, 50% on marriage and 25% for each child, on Regular Pay policies.
• Premiums back without a refund variant. Smart Exit returns your premiums, excluding rider premiums, extra loadings and taxes, after 25 policy years once you are 60, though not in the last five policy years; taking it ends the cover. On Sampoorna Raksha Promise, premiums come back on the Plus options, which carry a higher premium from the start.
• A 60-condition critical illness option. The Health Protect Rider comes in a 20 or 60-condition package, against 40 illnesses on Tata AIA's Criticare, whose benefit term is capped at five years.
• Switching to limited pay later. After three policy years you can move from Regular Pay to Limited Pay, provided you bought no rider at inception.
• Bigger accident cover on Life Plus. A separate accidental death sum assured, from ₹1 lakh up to three times the base cover subject to underwriting, is paid on top of the death benefit.

What should you check before buying either plan?

Both plans fix the payout shape at purchase, both pay ₹3 lakh on claim intimation only on cover of ₹1 crore or more and never in the first three policy years, and neither includes terminal illness cover if bought through a point-of-sale agent. Neither offers a loan against the policy. Each also has conditions of its own.

Tata AIA Sampoorna Raksha Promise

• Terminal illness pays half the sum assured early, not all of it, and can be claimed only once.
• Joint life pays once, on the first death or on both of you dying together, 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; our joint life term insurance guide explains why two separate policies usually work better.
• The Criticare rider runs for 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.
• Bought through a bank or a point-of-sale agent, the plan carries no terminal illness cover, and death in the first 90 days other than by accident pays only a refund of premiums.
• The ₹3 lakh is an advance against the claim, not extra money, and Tata AIA can ask for it back if the claim is later found not payable. Insurers must settle a death claim within 15 days of intimation, or within 45 days of intimation where the claim is investigated (IRDAI Master Circular on Protection of Policyholders' Interests, 5 September 2024).
• The Plus options close entry at 55 and cost materially more than Life Promise; read whether return of premium is worth it before paying for one.

ICICI Pru iProtect Smart Plus

• The payout shape is fixed for the life of the policy. If your family later wants one payment instead of an income, it is discounted at 6.5% or the ten-year government bond yield, whichever is higher.
• Smart Exit needs 25 policy years and age 60, is unavailable in the last five policy years, and on a 20 or 25-year term never becomes available.
• Buying any rider at inception permanently blocks the switch from Regular Pay to Limited Pay.
• Bought through a point-of-sale agent, the plan carries no terminal illness cover, and death in the first 90 days other than by accident pays only a refund of premiums.
• Life Rebalancing takes entry only to 45, needs a term of at least 15 years and is not sold through the bank and point-of-sale versions.
• iProtect Smart and iProtect Smart Plus are separate products with separate filings. Check the UIN on your quote rather than the name.

Which plan should you choose?

Choose Sampoorna Raksha Promise if you want the lower premium at 30 and the stronger claim record of the two, want cover past 85, want your family paid an income for up to 30 years, or need cover below ₹50 lakh.

Choose iProtect Smart Plus if you want the whole death benefit early on a terminal illness, expect to raise cover for a home loan, marriage or children, or want the chance of premiums back on a long policy without buying a refund variant.

A couple should usually buy two separate policies rather than Tata AIA's joint-life option, because the joint policy ends after paying once.

Want both quoted at your own age? A nyvo advisor can price the two plans like for like and show how each terminal illness benefit plays out at your cover size. Book a free call. It costs you nothing; here is how nyvo is paid.

FAQs

Is Tata AIA Sampoorna Raksha Promise cheaper than ICICI iProtect Smart Plus?

Yes, at age 30. A non-smoking 30-year-old man pays ₹9,384 a year for ₹1 crore of cover to 60 on Tata AIA Sampoorna Raksha Promise and ₹10,020 on ICICI Pru iProtect Smart Plus (nyvo's own premium data, May 2026). Prices move differently with age, so compare quotes at your own age.

Which insurer has the better claim settlement ratio, Tata AIA or ICICI Prudential?

Tata AIA. It settles 99.5% of individual death claims against ICICI Prudential's 98.5%, and draws 3.0 complaints per 10,000 claims against 11.0 (IRDAI data, a weighted average of the last three financial years, latest available as of March 2026).

Which plan pays more on a terminal illness?

ICICI Pru iProtect Smart Plus pays more up front. It brings the whole death benefit forward and the policy then ends, while Tata AIA Sampoorna Raksha Promise pays half the sum assured early, waives every future premium and keeps the rest of the cover in force.

Can I get my premiums back?

On both, in different ways. Tata AIA Sampoorna Raksha Promise returns your premiums if you outlive the term on its Plus options, which cost more; ICICI Pru iProtect Smart Plus's Smart Exit returns them after 25 policy years once you are 60, outside the last five years, and taking it ends the cover.

Which plan covers me for longer?

Tata AIA Sampoorna Raksha Promise. Its cover can run to age 100, while ICICI Pru iProtect Smart Plus runs to 85, or to 99 on the whole-life option of its Life variant.

What is the minimum cover on each plan?

₹5 lakh on Tata AIA Sampoorna Raksha Promise and ₹50 lakh on ICICI Pru iProtect Smart Plus. Neither has a fixed upper limit; larger covers depend on underwriting.

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