What exclusions apply?

Common exclusions include suicide within 12 months of policy commencement and any pre-existing conditions not disclosed at the time of application.

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 it cover outpatient expenses?

No, this plan is a Unit Linked Insurance Plan (ULIP) focused on life coverage and wealth creation. It does not cover outpatient expenses.

Can I renew the policy online?

Yes, premiums can be paid online through the Tata AIA Life Insurance portal.

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Tata AIA Smart Sampoorna Raksha Pro

Compare Tata AIA Smart Sampoorna Raksha Pro benefits, exclusions, ratings and related variants in one place.

1.75

Solvency

99.41

ICR

25.4

Growth

75,930.31

AUM

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Gender

Date of Birth

Coverage amount

Annual income

Education level

Your occupation

Current Location

Smoker / Non Smoker

Yes

Get your term insurance quote

Gender

Date of Birth

Coverage amount

Annual income

Education level

Your occupation

Current Location

Smoker / Non Smoker

Yes

1.75

Solvency

99.41

ICR

25.4

Growth

75,930.31

AUM

About

About Tata AIA Smart Sampoorna Raksha Pro

Tata AIA Smart Sampoorna Raksha Pro is a comprehensive life insurance plan designed to provide financial security and flexibility. It offers a range of coverage options, including life cover, return of premiums, and whole-life benefits, ensuring long-term protection for policyholders and their families. With customizable payout options, riders for enhanced coverage, and premium payment flexibility, this plan caters to diverse financial needs. It also includes a wellness program that incentivizes healthy living with rewards. Combining Tata AIA’s reliability with innovative features, Smart Sampoorna Raksha Pro ensures holistic financial planning, making it an ideal choice for those seeking lifelong security and peace of mind.

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...

Testimonials

Tata AIA Life Insurance Co. Ltd Customer Testimonials

Customer feedback and experiences.

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

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

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

Inclusions and Exclusions of Tata AIA Life Insurance Co. Ltd

Terminal Illness

Tata AIA Life Smart Sampoorna Raksha Pro plan offers a terminal illness benefit. If the life insured is diagnosed with a terminal illness, they will receive a lump sum payout of 50% of the base sum assured.

Death Benefit

Option 1: Upon the insured’s death during the policy term, the nominee receives the “Sum Assured on Death,” and the policy terminates with no further benefits payable.
Option 2: Upon the insured’s death, the nominee receives the “Sum Assured on Death” and 1% of the Basic Sum Assured monthly for 10 years, with a lump sum option available.

Total Permanent Disability Payout

The Tata AIA Life Smart Sampoorna Raksha Pro plan pays a benefit of ₹50 lakh in case of total and permanent disability of the policyholder due to an accident. The disability must occur within 180 days of the accident.

Premium Payment Customizations

The plan offers Regular, Limited (5, 10, or 12 years), or Single Pay options with yearly, half-yearly, quarterly, or monthly payments.

Terminal Illness

Tata AIA Life Smart Sampoorna Raksha Pro plan offers a terminal illness benefit. If the life insured is diagnosed with a terminal illness, they will receive a lump sum payout of 50% of the base sum assured.

Death Benefit

Option 1: Upon the insured’s death during the policy term, the nominee receives the “Sum Assured on Death,” and the policy terminates with no further benefits payable.
Option 2: Upon the insured’s death, the nominee receives the “Sum Assured on Death” and 1% of the Basic Sum Assured monthly for 10 years, with a lump sum option available.

Total Permanent Disability Payout

The Tata AIA Life Smart Sampoorna Raksha Pro plan pays a benefit of ₹50 lakh in case of total and permanent disability of the policyholder due to an accident. The disability must occur within 180 days of the accident.

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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.
Death due to criminal activities, illegal acts, or participation in unlawful activities.
Self-inflicted injuries, including attempted suicide, leading to death or disability.
Any medical conditions arising from nuclear contamination, radiation exposure, or biological warfare.

Claim Process

Claim Settlement Process

Steps and flow followed by the insurer.

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FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.