How does my nominee claim the death benefit?

The nominee needs to submit a death certificate, policy documents, and any required forms to the insurer. After verification, the payout is processed.

How much coverage should I get?

A good rule of thumb is to have coverage that is 10-15 times your annual income, but the exact amount depends on factors like debts, living expenses, and future financial goals.

Can I increase my coverage later?

Some insurers allow policyholders to enhance coverage at key life stages (marriage, childbirth) through step-up options. Otherwise, a new policy may be needed.

Does TATA AIA Maha Raksha Supreme Select cover critical illnesses?

Yes – the TATA AIA Maha Raksha Supreme Select does not include critical illness cover by default, but you can add an optional Critical Illness rider that covers up to 40 specified illnesses, with a 90-day waiting period and payout made 30 days after diagnosis, paid on top of the base sum assured

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Term Insurance

Tata AIA Maha Raksha Supreme Select

Compare Maha Raksha Supreme Select benefits, exclusions, ratings and related variants in one place.

1.75

Solvency

99.41%

ICR

25.4%

Growth

75,930.31

AUM

Policy Brochure

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Yes

Our Verdict

Tata AIA Maha Raksha Supreme Select Review: Our Verdict

Final Verdict

Tata AIA Maha Raksha Supreme is ideal for individuals seeking pure protection with a terminal illness payout. It offers strong add-ons like disability and critical illness riders but lacks maturity benefits. Best for those prioritizing long-term family financial security.

About

What Is Tata AIA Maha Raksha Supreme Select?

Tata AIA Life Insurance's Maha Raksha Supreme is a non-linked, non-participating term plan providing pure protection. It offers a death benefit, paying the highest of the sum assured, 10 times the annualized premium, or 105% of total premiums paid. The Payout Accelerator Benefit provides 50% of the sum assured if diagnosed with a terminal illness (life expectancy of six months or less). Policyholders can enhance coverage with the Life Stage Plus feature, ensuring financial security for beneficiaries during unforeseen events.

About Company

About Tata AIA Life Insurance Co. Ltd

Tata AIA Life Insurance Company Limited is a leading life insurance provider in India, established in 2001 as a joint venture between Tata Sons Pvt. Ltd. and AIA Group Ltd. This partnership merges Tata's renowned leadership and trust in India with AIA's extensive experience across 18 markets in the Asia-Pacific region. The company is headquartered in Mumbai, India. A wide variety of products are available from Tata AIA Life Insurance to accommodate different protection requirements and financial objectives. Their portfolio consists of Unit Linked Insurance Plans (ULIPs) that give market-linked returns, savings plans that combine wealth growth and life insurance, and term insurance for family stability. Additionally, they offer retirement plans including annuities and pensions for post-retirement income as well as health insurance to cover medical costs. Every plan offers different policy terms, variable premium alternatives, and extra riders for increased coverage, guaranteeing customised solutions for each policyholder's particular requirements.

Ratings

Tata AIA Maha Raksha Supreme Select Rating

Insurer Rating

7.79

out of 10

Insurance Rating

9.8

out of 10

Layer 1

Lump Sum + Income Option

Yes

Waiver of Premium Rider

Yes

Online Purchase Available

Yes

Layer 2

Claim Process Simplicity

5/5

Premium Competitive

4/5

Claim Process Simplicity

5/5

Testimonials

Tata AIA Life Insurance Co. Ltd Customer Testimonials

Customer feedback and experiences.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…always been available to assist with any insurance/claim queries.

Nakul N

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

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Inclusions and Exclusions

Tata AIA Maha Raksha Supreme Select Inclusions and Exclusions

Payout accelerator benefit

Payout accelerator benefit equal to 50% of the basic sum assured under the policy shall be paid to the insured, provided the policy is in force and the life expectancy of the insured under the policy is established to be no greater than 6 months due to a ‘terminal illness’.

Life stage Plus Option

You also have the option to take an additional sum assured, over and above the basic sum assured, provided the policy is in force, without any further medical underwriting on the occurrence of a prescribed lifestyle event.

Total Permanent Disability Payout

The Tata AIA Maha Raksha Supreme Select plan pays a lump sum of 50% of the base sum assured if the policyholder is diagnosed with a terminal illness. The policyholder will also no longer need to pay any future premiums.

Premium Payment Customizations

The policy offers a FlexiPay Benefit that allows the policyholder to defer premium payments for up to 12 months
The policy offers a Return of Premium Option
The policy offers a grace period of 15 days for monthly premiums and 30 days for other premium payment modes

Exclusions

Suicide within the first 12 months of policy commencement or revival, only returning 80% of premiums paid.
Death due to participation in hazardous activities like adventure sports, racing, or extreme sports.
Pre-existing diseases and conditions not disclosed at the time of policy issuance.
Death or disability due to war, terrorism, civil commotion, or military service.
Death resulting from drug abuse, alcohol consumption, or substance intoxication.

Add ons

Tata AIA Maha Raksha Supreme Select Add-Ons and Riders

Accidental Death Benefit Rider

Critical Illness Rider

Total and Permanent Disability Rider

Waiver of Premium Rider

Terminal Illness Benefit Rider

Tata AIA Maha Raksha Supreme Select Related Variants

PNB MetLife Mera Term Plan Plus

Bajaj Life E Touch

Claim Process

Tata AIA Maha Raksha Supreme Select Claim Settlement Process

Steps and flow followed by the insurer.

Term Cover Calculator

Tata AIA Maha Raksha Supreme Select Insurance Premium Calculator

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Renewal

Tata AIA Maha Raksha Supreme Select Renewal

Renewal steps and key points.

FAQs

Tata AIA Maha Raksha Supreme Select FAQs

Got questions about Tata AIA Maha Raksha Supreme Select? You’re not alone. Here are some of the most commonly asked questions to help you understand this term life plan, coverage, claims, and benefits better.