Tata AIA Life Insurance Company Limited
Tata AIA Life Insurance Maha Raksha Supreme
UIN 110N102V04We don't sell this — we'll still recommend if it fits
The dealbreaker fields (term life)
Sum assured (max)
—
Claim settlement (CSR)
99.1%
Claims TAT
[object Object] days
Suicide exclusion
12 months
Payout options
Pure Protection Cover · Life Stage Plus Option
Premium payment
Single Pay · Limited Pay · Regular Pay +1
Policy term
10–50 yrs
Surrender value
no
Free look
15 days
What this plan does well
- Payout Accelerator Benefit — 50% SA on Terminal Illness diagnosis
- Life Stage Plus Option — additional SA up to 50% on lifestyle events (Marriage / 2 children Births), 3x exercises, no medical exam
- Limited Pay + Single Pay get Surrender Value (Regular does not)
- Modal factors structured (15 days monthly grace standard)
- Free Look 15 days direct (30 distance marketing)
- Grace 30 days (15 monthly)
- Revival 5 years
- Suicide exclusion 12 months — 80% premium refund OR SV (whichever higher)
Watch out for
- 10x Annualised Premium minimum (industry standard, vs Bharti AXA Premier Protect 11x)
- Regular Pay has NO Surrender Value
- PAB and Life Stage Plus NOT available under Point-of-Sale variant
- PAB has 2-year waiting period from policy issue (delayed protection)
- Life Stage Plus max age 50 + not available in last 10 years (limited exercise window)
- No Maturity Benefit (pure-risk)
- Loan NOT available
- Plan Change/Conversion NOT allowed
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.