Tata AIA Life Insurance: Policy Details, Premium & Benefits

Manages assets worth over ₹1.3 lakh crore, reflecting financial strength and stability.

Protects over 89 lakh families across India with reliable coverage.

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What Are The Various Life Insurance Policies Offered By Tata AIA Life Insurance?

The various life insurance policies in multiple segments offered by Tata AIA Life Insurance are as follows:

Tata AIA Term Insurance Plans

Tata AIA Life Insurance - Term Plans	Entry Age	Maturity Age	Sum Assured
Tata AIA Sampoorna Raksha Promise	18 - 65 years	100 years	Rs. 25 Lakhs - No Limit
Tata AIA Sampoorna Raksha Supreme	18 - 60 years	100 years	Rs. 5 Lakhs - 20 Crores
Tata AIA InstaProtect	18 - 45 years	75 years	Rs. 25 Lakhs - 1 Crore
Tata AIA SRS Vitality Protect	18 - 60 years	85 years	Rs. 50 Lakhs - 2 Crores
Tata AIA Maha Raksha Supreme	18 - 60 years	85 years	Rs. 2 Crores - 20 Crores
Tata AIA Smart Sampoorna Raksha	18 - 60 years	100 years	10 times of Annualised Premium
Tata AIA Saral Jeevan Bima	18 - 65 years	70 years	Rs. 5 Lakhs - 49.5 Lakhs

Tata AIA Term + Wealth

Tata AIA Life Insurance - Term + Wealth Plans	Entry Age	Maturity Age	Sum Assured
Tata AIA Smart Sampoorna Raksha Param Rakshak Plus	18 - 45 years	85 years	Rs. 50 Lakhs - 5 Crores
Tata AIA Param Rakshak Pro	18 - 65 years	100 years	Rs. 50 Lakhs - No limit
Tata AIA Param Rakshak (Return of Premium)	18 - 60 years	100 years	Rs. 50 Lakhs - No limit
Tata AIA Param Rakshak II	18 - 45 years	85 years	-
Tata AIA Param Rakshak IV	18 - 55 years	85 years	Rs. 50 Lakhs - No limit
Tata AIA Param Rakshak Elite	18 - 65 years	100 years	-
Tata AIA Param Rakshak Prime	23 years - 65 years	100 years	Rs. 1 Crore - No limit
Tata AIA Param Rakshak II 2.0	18 - 65 years	100 years	Rs. 50 Lakhs - No limit
Tata AIA Param Rakshak (Return of Premium) 2.0	18 - 65 years	100 years	Rs. 50 Lakhs - No limit

Tata AIA Savings Plans

Tata AIA Life Insurance - Savings Plans	Entry Age	Maturity Age	Sum Assured
Tata AIA Fortune Guarantee Plus	1 - 60 years	77 years	Rs. 50,000 - 25 Lakhs
Tata AIA Fortune Guarantee Supreme	30 days - 65 years	100 years	Minimum: For Joint Life (Death Benefit Multiple 7): 1st Death - Rs. 6,250 2nd Death – Rs. 35,000 For Regular/Limited pay: Option 1: Rs. 2,40,000 Option 2: Rs. 1,68,000 Maximum: No Limit
Tata AIA Guaranteed Return Insurance	45 - 65 years	85 years	Equal to the Death Benet Multiple x Annualised Premium Basic Sum Assured will vary by Entry Age, Plan Option & Premium Payment Term
Tata AIA Fortune Guarantee	Minimum: 18 years less Policy Term or 0 years (30 days), whichever is higher Maximum: 80 years less Policy Term or 65 years, whichever is lower	80 years	10 times the Annualized Premium
Tata AIA Smart Value Income	30 days - 65 years	85 years	—
Tata AIA Smart Income Plus	3 - 50 years	65 years	11 times the Annualised Premium
Tata AIA Money Back Plus	2 - 51 years	75 years	Rs. 2 Lakhs - No Limit
Tata AIA MahaLife Gold	30 days - 60 years	85 years OR 100 years	Rs. 1 Lakh - No Limit
Tata AIA Value Income Gold	30 days - 65 years	80 years	—
Tata AIA Guaranteed Monthly Income	6 - 60 years	68 years	11 times the Annualised Premium
Tata AIA Diamond Savings	3 - 55 years	—	11 times the Annualised Premium
Tata AIA Gold Income	6 - 55 years	77 years	Equal to Annualised Premium x Basic Sum Assured Multiple
Tata AIA POS Smart Income Plus	3 - 50 years	65 years	11 times the Annualised Premium

Tata AIA ULIP Plans

Tata AIA Life Insurance - ULIP Plans

Entry Age

Maturity Age

Sum Assured

Tata AIA Fortune Pro

30 days - 59 years

75 years

Minimum: For Single Pay: 1.25 times the Single Premium For Regular / Limited Pay: Higher of (10*AP) OR (0.5*Policy Term * AP) Maximum: For Single Pay: 1.25 times the Single Premium For Regular / Limited Pay: Entry Maximum

Entry Age Band	Maximum Multiple of AP
0 to 29	30
30 to 35	20
36 to 45	Higherof (Policy Term/ 2 or 15)
46 to 59	Higherof (Policy Term/ 2 or 10)

Tata AIA Fortune Maxima

30 days - 60 years

100 years

For Single Pay: 1.25 times the Single Premium For Limited Pay: Higher of (10*AP) OR (0.5*Policy Term*AP)

Tata AIA Wealth Maxima

30 days - 60 years

100 years

For Single Pay: 1.25 times the Single Premium For Limited Pay: Higher of (10*AP) OR (0.5*Policy Term*AP)

Tata AIA Wealth Pro

30 days - 60 years

75 years

Entry Age Band	Maximum Multiple of AP
0 to 30	30
31 to 40	20
41 to 50	Higherof (Policy Term/ 2 or 15)
51 to 60	Higherof (Policy Term/ 2 or 10)

Tata AIA Smart Sampoorna Raksha Plus

18 - 55 years

85 years

Minimum: Base (Life cover) For 5 pay – 9L Other PPT – 2.7L Manimum: Base (Life cover) - 50L

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 13/day⁺

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day⁺

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day⁺

Tata AIA Retirement Plans

Tata AIA Life Insurance - Retirement Plans	Entry Age	Maturity Age	Annuity Payout Amount
Tata AIA Fortune Guarantee Pension	Minimum: For PoS Option 2: 40 years Other than POS 30 years Maximum: For PoS Option 2: 70 years Other than POS Option 1 & 2: 85 years Option 3 & 4: 84 years	—	Minimum: • Yearly in arrears: R 12 (in ‘000s) • Yearly in advance: R 12 (in ‘000s) • Half Yearly in arrears: R 6 (in ‘000s) • Quarterly in arrears: R 3 (in ‘000s) • Monthly in arrears: R 1 (in ‘000s) Maximum: No Limit
Tata AIA Saral Pension Plan	40 - 80 years	—	Minimum: Annually: ₹ 12,000 Half-yearly: ₹ 6,000 Quarterly: ₹ 3,000 Monthly: ₹ 1,000 Maximum: No Limit
Tata AIA Smart Annuity Plan	45 - 85 years	—	Minimum: Annually: ₹ 12,000 Half-yearly: ₹ 6,000 Quarterly: ₹ 3,000 Monthly: ₹ 1,000 Maximum: No Limit
Tata AIA Fortune Guarantee Retirement Ready	18 - 75 years	85 years (vesting age)	Rs. 30,000 to No Limit

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What are the Benefits of Tata AIA Life Insurance Plan?

You should buy the Tata AIA Life Insurance plan because of the following reasons:

Financial Security for Your Loved Ones: Tata AIA Life Insurance plans are designed to provide financial security and peace of mind to your loved ones in case of an unfortunate event. The payout from the life insurance plans can help your family maintain their lifestyle, cover essential expenses, and even achieve long-term financial goals like education and retirement.
Health Management Services: Tata AIA Life Insurance offers policyholders health management services of up to 31K, which allows them to receive telemedical consultations, basic health check-ups, and comprehensive health check-ups for free.
Comprehensive Coverage Options: Tata AIA offers a wide range of insurance products tailored to suit various life stages and needs. Whether you're looking for pure protection with term insurance, wealth creation through investment-linked plans, or comprehensive coverage with a whole-life policy, Tata AIA has you covered. Their diverse portfolio ensures you can find a plan that aligns perfectly with your financial goals and requirements.
Guaranteed Returns: Tata AIA Life Insurance, particularly Savings and retirement plans, ensure you receive guaranteed returns when your plan matures. As you pay your premiums over time, your savings grow. Upon maturity, you can receive this accumulated amount either as a one-time lump sum or as a regular income.
Affordable Premiums: Tata AIA Life Insurance offers comprehensive plans, like term insurance plan, at very affordable premiums, so that you can financially secure your loved ones without any hassle.
Tax Benefits: Opting for Tata AIA Life Insurance plans can also provide tax benefits under Section 80C and Section 10(10D) of the Income Tax Act, 1961. This means you can secure your financial future and enjoy tax advantages while doing so, making Tata AIA a smart choice for your insurance needs.
4 Hours Express Claim Settlement: With ‘Express Claims’, Tata AIA Life Insurance provides claim settlement to the nominees of the deceased policyholders within 4 hours of claim intimation.

What are the Health Management Services in Tata AIA Life Insurance?

Tata AIA Life Insurance offers its Health Management Services, which allow policyholders to claim health management services for up to 31,750 individuals over the sum assured of 1.5 Crores.

How TATA AIA Life Insurance Plan Works?

Let us explain how these life insurance plans work with the help of Tata AIA benefit illustration:

Raman bought a term life insurance to secure his wife and two kids in the event of his untimely demise. He regularly paid the premiums to keep the policy active, with the policy covering him till 60 years of age. He suffered an unfortunate death in the 7th policy year. His wife then fills out the company's claim form and receives the death payout. She uses the payout amount for the rent, outstanding debts, and the child’s fees.

How To Buy Tata AIA Life Insurance From Policybazaar?

Here are the steps to buy Tata AIA Life Insurance from Policybazaar:

Step 1: Visit the official Policybazaar website and go to the Term Insurance section.

Step 2: Provide your name, contact details, gender, and date of birth.

Step 3: Enter your job type, yearly income, educational qualifications, and smoking/tobacco consumption habits.

Step 4: Choose Tata AIA term plan from the list of term insurance plans that appears.

Step 5: Pay using your preferred mode to complete the process.

How To File A Claim For a TATA AIA Life Insurance Policy?

The claim settlement process of TATA AIA Life Insurance involves the following steps:

Intimation of Claim: The first step is to inform TATA AIA Life Insurance Company about the policyholder's demise. Register the claim by visiting the company's official website.
Other than this, you can contact the customer care of TATA AIA Life Insurance at 1-860-266-9966.
Or Drop a mail at: claims@tataaia.com
You can also WhatsApp the company your query by typing CLAIM & send it to +91-7045669966.
Documentation: Once the claim intimation is received, the next step is to submit the required documents. These documents may include the original policy document, death certificate, and medical records (if applicable).
Claim Processing: TATA AIA Life Insurance processes the claim after receiving the necessary documents. This involves verifying the claim's authenticity and assessing the eligibility for payout based on the terms and conditions of the policy.

Documents Required For Filing TATA AIA Death Claims

The documents required to file the death claim under TATA AIA Life Insurance are mentioned below:

Mandatory documents

Claimant's statement
Cancelled cheque
Current address proof
Death certificate
(Issued by a local government body like Municipal Corporation / Appropriate Authority)
Cause of death – related document as mentioned below.

Additional Mandatory documents based on the death type:

Medical/nature of death	For accidental or unnatural death
Attending physician's statement Medical records (admission notes, discharge/death summary, indoor case papers, test reports etc. if applicable)	Attending physician's statement Copy of the First Information Report (FIR) or Panchanama/Police complaint Copy of the postmortem report (Autopsy report) & Viscera report, if performed Copy of the Final Police Investigation report (FPIR) or the charge sheet

What Are The Exclusions In Tata AIA Life Insurance?

Here are the exclusions in the Tata AIA Life Insurance:

Suicide: If the policyholder commits suicide within 12 months of buying the policy, his/her nominees will not be able to claim the death benefit of Tata AIA Life Insurance.
Risky Activities: Tata AIA Life insurance won't provide coverage if your demise results from involvement in unlawful or high-risk activities. Similarly, Tata AIA Life Insurance also doesn’t cover fatalities linked to extreme sports.
Pre-existing Health Conditions: When purchasing the Tata AIA Life Insurance policy, you must disclose any pre-existing medical conditions. Benefits will only be paid out if the insurer is aware of this information in advance.
Intoxication: Deaths caused by drug or alcohol use or overdose are not covered by Tata AIA life insurance policy.
Exemptions for Natural Disasters: Tata AIA Life insurance policies do not offer protection for loss of life due to natural disasters or calamities.

How To Use TATA AIA Login Portal?

If you want to login as a customer using the Tata AIA Login portal, follow these steps:

For Existing Tata AIA Life Insurance Policy:

Step 1: Visit the Tata AIA Login Page of TATA AIA Life Insurance
Step 2: Select Individual
Step 3: Enter your Mobile Number/Policy Number/Email ID
Step 4: Enter your DoB
Step 5: Click on “Login With OTP”

*You can also login to your Tata AIA Life Insurance account with your password by entering your password instead of DoB and Click on “Login with Password”

How Can I Contact Tata AIA Life Insurance Customer Care?

Get in touch with the below mentioned Tata AIA Life Insurance customer care number:

For Existing Tata AIA Life Insurance Policy

Call @ 1860 266 9966
Dedicated NRI Helpdesk: @ +91 22 6251 9966

For New Tata AIA Life Insurance Policy

Call @ +91 22 6984 9300
Or give a missed call for a call back: @ +91 11 6615 8748
For NRIs

Give a missed call for a call back: @ +91 11 4473 0242

Tata AIA Life Insurance Customer Care Email ID

You can mail to the Tata AIA Life Insurance Customer Care Email ID at customercare@tataaia[dot]com

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FAQs

Q: Is Tata AIA a good policy?

Ans: Whether a Tata AIA Life Insurance policy suits you depends on various factors, including your financial goals, risk appetite, and specific insurance needs. Tata AIA offers a range of insurance products catering to different requirements, such as term insurance, ULIPs, savings plans, and retirement solutions. To determine if a Tata AIA policy is a good fit for you, it's essential to carefully evaluate the policy features, benefits, terms, and conditions, considering how well they align with your financial objectives and preferences.
Q: How to pay the TATA AIA Life Insurance premium? What are the modes of payment available?

Tata AIA Life Insurance offers 5 modes of premium payment, namely;
Online Payment
DropBoxes
Auto debit
Cash/Cheque collection center
Payment Collection Center.
For online payment mode, the Tata AIA Life Insurance policyholder can pay via;
NEFT transfer
Activating auto debit facility in the bank account
Quick pay via ICICI portal
Internet Mobile Payment Service
Alternatively, the policyholder can pay in cash or drop cheque at any of the payment collection centers or dropboxes mentioned on the Tata AIA website.
Q: How can I check policy status of my Tata AIA Life Insurance policy?

If you are a registered user, directly log into Tata AIA Life Insurance website with relevant username and password. You would be directed to the homepage of your policy account. Now simply click the tab “Check Policy Details” to check the status of your Tata AIA Life Insurance policy and other relevant details. For new policyholders they must register on the Tata AIA Life Insurance website and proceed with the same steps.
Q: What is the Tata AIA Life Insurance policy renewal process?

Tata AIA Life Insurance offers policyholders a chance to renew their policy online. Simply log into the portal and follow the link to the secure payment process. You can renew your policy using a debit, credit card, or net banking option.
Q: What is the Tata AIA Life Insurance claim settlement process?

Tata AIA Life Insurance offers a transparent claim process. Policyholders can register claims by submitting their request at the customer care helpdesk. Upon receiving complete documents, the claim is settled within 7 working days. There are dedicated offices at certain locations to file claims directly.
Q: What is the Tata AIA Life Insurance policy cancellation process?

The Tata AIA Life Insurance policyholders must attach the relevant policy documents and a filled surrender form at any branch location in their city. Upon receiving the correct documents, the deposited amount is credited into the policyholder’s bank account as per the company’s records, and the policy is cancelled.
Q: Can we trust the Tata AIA Life Insurance policy?

Tata AIA Life Insurance offers a range of policies with a good claim settlement ratio. While they provide diverse coverage options, assessing your individual needs is essential before deciding. Prioritize policy features that align with your requirements to ensure ideal coverage and peace of mind.
Q: What riders are available in Tata AIA Life Insurance?

Ans: Tata AIA Life Insurance offers the following riders:
Term Rider: Increases life coverage.
Accidental Death Rider: Provides a lump sum payout in case of death due to an accident.
Accidental Disability Rider: Offers coverage for permanent, partial, or total disability due to an accident.
Critical Illness Rider: Provides a lump sum payout upon diagnosis of covered critical illnesses.
Waiver of Premium Rider: Exempts policyholder from future premium payments under certain conditions, ensuring the policy remains active.
Q: How can I buy Tata AIA Life Insurance from Policybazaar?

Ans: Follow these steps to buy Tata AIA Life Insurance plans:
Visit Policybazaar's official website and go to the Term Insurance section.
Enter your name, contact details, gender, and date of birth.
Provide your job type, yearly income, educational qualifications, and smoking habits.
Choose the Tata AIA term plan from the list.
Complete the payment process using your preferred mode.
Q: How do I file a claim for a TATA AIA Life Insurance policy?

Ans: The claim process of Tata AIA Life Insurance involves:
Intimation of Claim: Inform TATA AIA Life Insurance via their website, customer care at 1-860-266-9966, email (claims@tataaia.com), or WhatsApp (+91-7045669966).
Documentation: Submit required documents, including the original policy document, death certificate, and medical records.
Claim Processing: TATA AIA processes the claim after verifying the documents and eligibility.
Q: What documents are required for filing TATA AIA Life Insurance death claims?

Ans: The required documents for buying Tata AIA Life Insurance policy include:
Claimant's statement
Cancelled cheque
Current address proof
Death certificate
Additional documents for medical/nature of death, accidental, or unnatural death (physician's statement, medical records, FIR, postmortem report, etc.)
Q: How can I contact TATA AIA Life Insurance customer care?

Ans: For existing Tata AIA Life Insurance policies, call 1860 266 9966. For new Tata AIA Life Insurance policies, call +91 22 6984 9300. NRIs can call +91 22 6251 9966 or give a missed call for a callback at +91 11 4473 0242. For claim settlement assistance, call 1800-258-5881.
Q: How to do Tata AIA Life Insurance customer login?

Ans: You can do Tata AIA Life Insurance customer login by simply visiting the TATA AIA login portal of their official website, submitting all information, and then logging in.
Q: Is it possible to do Tata AIA life insurance login with OTP?

Ans: You can easily do Tata AIA Life Insurance login with OTP by visiting the TATA AIA login page of their official website, entering all necessary information, and then clicking on “Login with OTP.” Agents can also use the Tata AIA Life Insurance agent login option to log in to their TATA AIA accounts.
Q: TATA AIA Where do I download statements for TATA AIA Premium payment?

Ans: You can download statements for TATA AIA Premium payment by firstly authenticating yourself on the TATA AIA login portal or their official website, choosing your policy, and then choosing the type of statement that you want to download. After that, click on the statement and download it. You can easily download Tata AIA premium certificate, Tata AIA premium receipt, Tata AIA policy document, Tata AIA Unit statement, and Tata AIA account holder statement.

Early payout on Terminal illness (free)	Extra Payout on Accidental Death (paid)
Extra Payout on Accidental Disability (paid)	Cover against 40 critical illnesses (paid)
Hospicare Benefit (paid)

Tata AIA Life Insurance

Tata AIA Life Insurance

What Are The Various Life Insurance Policies Offered By Tata AIA Life Insurance?

Tata AIA Term Insurance Plans

Tata AIA Term + Wealth

Tata AIA Savings Plans

Tata AIA ULIP Plans

Tata AIA Retirement Plans

What are the Benefits of Tata AIA Life Insurance Plan?

What are the Health Management Services in Tata AIA Life Insurance?

How TATA AIA Life Insurance Plan Works?

How To Buy Tata AIA Life Insurance From Policybazaar?

How To File A Claim For a TATA AIA Life Insurance Policy?

Documents Required For Filing TATA AIA Death Claims

Additional Mandatory documents based on the death type:

What Are The Exclusions In Tata AIA Life Insurance?

How To Use TATA AIA Login Portal?

How Can I Contact Tata AIA Life Insurance Customer Care?

Tata AIA Life Insurance Customer Care Email ID

People also search for

FAQs

Q: Is Tata AIA a good policy?

Q: How to pay the TATA AIA Life Insurance premium? What are the modes of payment available?

Q: How can I check policy status of my Tata AIA Life Insurance policy?

Q: What is the Tata AIA Life Insurance policy renewal process?

Q: What is the Tata AIA Life Insurance claim settlement process?

Q: What is the Tata AIA Life Insurance policy cancellation process?

Q: Can we trust the Tata AIA Life Insurance policy?

Q: What riders are available in Tata AIA Life Insurance?

Q: How can I buy Tata AIA Life Insurance from Policybazaar?

Q: How do I file a claim for a TATA AIA Life Insurance policy?

Q: What documents are required for filing TATA AIA Life Insurance death claims?

Q: How can I contact TATA AIA Life Insurance customer care?

Q: How to do Tata AIA Life Insurance customer login?

Q: Is it possible to do Tata AIA life insurance login with OTP?

Q: TATA AIA Where do I download statements for TATA AIA Premium payment?

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