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.

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Term Insurance

TATA AIA Smart Sampoorna Raksha

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

1.75

Solvency

99.41

ICR

25.4

Growth

75,930.31

AUM

Get your term insurance quote

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

The Tata AIA Smart Sampoorna Raksha Supreme is a unit-linked life insurance plan combining wealth creation and life protection. It offers 11 investment fund options, death benefits, and a refund of premium allocation charges in policy years 10–13. From the 16th year, fund boosters help maintain target returns. Female policyholders receive an extra 0.5% of premiums in the first year. After five years, policyholders can access funds via three withdrawal strategies, ensuring flexibility for long-term financial goals.

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

Inflation Protection Coverage

The Cover Continuance Booster adds extra units to the policy fund, helping to maintain coverage over time.

Premium Payment Customizations

Policyholders can choose from multiple premium payment options:Regular Pay – Premiums paid throughout the policy term.Limited Pay – Options of 5, 10, or 12 years.
Payment frequencies available: Annual, Half-Yearly, Quarterly, and Monthly.

Cover Continuance Booster

If the fund value falls below a specified level, the insurer adds extra units to maintain policy coverage.
This ensures the policy continues even if investment returns fluctuate.

Refund of 2X Mortality Charges

Starting from the 11th policy year, at the end of each policy month, twice the mortality charges deducted 120 months earlier are added back to the fund value as extra units.
Ensures a cost-effective policy structure.

Refund of 2X Premium Allocation Charges

At the end of policy years 10, 11, 12, and 13, twice the total premium allocation charges deducted 10 years earlier are refunded into the fund as additional units.
Helps reduce overall policy expenses.

Settlement Option for Maturity Benefit

Instead of receiving a lump sum maturity benefit, policyholders can opt for periodic payouts over five years.
Offers flexibility in receiving funds based on financial needs.

Partial Withdrawals

After five policy years, policyholders can withdraw a portion of their fund value to meet financial emergencies.
Up to four withdrawals per year are allowed without additional charges.

Inflation Protection Coverage

The Cover Continuance Booster adds extra units to the policy fund, helping to maintain coverage over time.

Premium Payment Customizations

Policyholders can choose from multiple premium payment options:Regular Pay – Premiums paid throughout the policy term.Limited Pay – Options of 5, 10, or 12 years.
Payment frequencies available: Annual, Half-Yearly, Quarterly, and Monthly.

Cover Continuance Booster

If the fund value falls below a specified level, the insurer adds extra units to maintain policy coverage.
This ensures the policy continues even if investment returns fluctuate.

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Exclusions

Suicide within 12 months from the risk commencement or policy revival date results in a refund of 80% of total premiums paid or the surrender value, whichever is higher.
If suicide occurs within 12 months of opting for the Life Stage Option , the nominee will receive 80% of premiums paid for the increased sum assured tranche.
No claim will be payable for Terminal Illness Benefit if the condition arises from attempted suicide within the first year from policy inception or revival.

Claim Process

Claim Settlement Process

Steps and flow followed by the insurer.

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Renewal steps and key points.

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.