Tata AIA Term Plans

Tata AIA term insurance plans are the ideal solutions for those individuals who wish to secure the financial future of their family. The company offers a comprehensive range of term insurance plans to its customers that are designed to fit the diverse needs of every individual and secure their loved ones in the event of an eventuality. Some important features of the Tata AIA term plan are protection from illnesses, income options in case of unfortunate death, long term cover, death, survival and tax benefits.

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Tata AIA Term Plans

Tata AIA term insurance plans are the ideal solutions for those individuals who wish to secure the financial future of their family. The company offers a comprehensive range of term insurance plans to its customers that are designed to fit the diverse needs of every individual and secure their loved ones in the event of an eventuality. Some important features of the Tata AIA term plan are protection from illnesses, income options in case of unfortunate death, long term cover, death, survival and tax benefits.

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Dedicated Claims Assistance Program

Why Should You Buy Tata AIA Term Plans?

With a CSR of 99.01% in FY 2022-23, Tata AIA life insurance provides claim settlement within 4 hours with its ‘Express Claims’ option. The company offers term plans with special benefits like the option of enhancing the base cover with accidental death and critical illness benefits or extending the policy term to cover for the whole life (99/100 years). 

Following are a few reasons to buy Tata AIA Term plans:

Life cover up to age 85 or option for Whole Life coverage (till age 100 years)
In-Built Terminal Illness Benefit (Free) upto 50% of Sum Assured
High claim settlement ratio of 99.06%
Hospicare benefit - Upto 5 Lakhs hospital cash benefit cover available.
Covers death due to any pandemic such as COVID-19
ExpressClaim: 4 hour claim settlement & EasyClaim: Doorstep claim service
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Tata AIA Term Insurance Plans

Tata AIA term insurance offers various types of term plans that provide comprehensive coverage against death, disability, and critical illness at affordable premiums for a long policy term.
Here is a list of term insurance plans offered by Tata AIA Term Plans in India:

What Are The Critical Illnesses Covered Under Tata AIA Term Plans?

Tata AIA term insurance offers coverage against a variety of life-threatening illnesses like strokes, heart failure, kidney issues, specific stages of cancer, and many more. To get coverage against these illnesses, you need to add the critical illness rider to your base term plan, and you will receive the lump sum benefit amount on the diagnosis of any of the listed illnesses. You can use the payout received to pay for the treatment costs and hospital bills. Following is a list of critical illnesses covered under Tata AIA term plans:

Cancer of Specified SeverityCardiomyopathy (of specified severity)Heart transplant
Major surgery of AortaMyocardial Infarction(First Heart Attack of specified severity)Open Chest CABG (Coronary Artery Bypass Graft)
Open Heart Replacement or Repair of Heart ValvesPrimary (Idiopathic) Pulmonary HypertensionStroke resulting into permanent symptoms
Alzheimer's DiseaseApallic SyndromeAplastic Anaemia
Bacterial MeningitisBenign Brain TumorBlindness
Chronic Recurrent PancreatitisComa of Specified SeverityCreutzfeldt-Jacob disease
DeafnessEncephalitisEnd Stage Liver Failure
End Stage Lung FailureFulminant Viral HepatitisKidney Failure requiring Regular Dialysis
Loss of Independent ExistenceLoss of limbsLoss of Speech
Major Head TraumaMajor Organ (less heart)/ Bone Marrow TransplantMedullary Cystic Kidney Disease
Motor Neuron Disease with Permanent SymptomsMultiple Sclerosis with Persisting SymptomsMuscular Dystrophy
Parkinson's DiseasePermanent Paralysis of LimbsPoliomyelitis
Progressive SclerodermaSevere Rheumatoid ArthritisSLE with Renal Involvement
Third Degree Burns
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What Are The Tata AIA Term Insurance Riders?

The Tata AIA term plan riders are additional benefits that can be added to the base plan to enhance the policy’s coverage. These riders can protect you against a wide range of eventualities like terminal illness riders, accidental death, accidental total permanent disability, and waiver of premiums. You can add any of these riders to your base plan at nominal premiums paid with the base premiums.

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)
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How Much Cover I Need?

HLV, or the human life value, is the estimation of the suitable life cover that is enough to cover your family’s financial needs in your absence. As per the general thumb’s rule, the life cover should be at least 10-15 times your annual income.

For example: Rajesh wants to buy term plan that will cover his family’s expenses in his absence. If he is currently 28 years old and earns 7 LPA, his ideal life cover amount should be 1.75 crores. Use the below calculator to quickly calculate the suitable sum assured. 

Human Life Value Calculator is an online tool that can help you find the right life cover based on your age and annual income. It is important to buy term plan with a suitable life cover as this is the amount payable to your family in case of an eventuality. Thus the amount should be large enough to cover your family’s expenses and financial obligations in your absence.

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Choose the Right Sum Assured Option

The right life cover can help your family take care of their financial needs and obligations in the event of your untimely demise and pay off any remaining loans and debts. Here is a list of sum assured options available that might be the right choice for you and your family.

Tata Life1 Crore
Term Insurance
Tata Life2 Crore
Term Insurance
Tata Life5 Crore
Term Insurance
Tata Life75 Lac
Term Insurance
Tata Life70 Lac
Term Insurance
Tata Life50 Lac
Term Insurance

Term Insurance Premium Calculator

Our term life insurance calculator in india can help you calculate the following:

Know more about Tata AIA Term Plans
Types of term plans

Policybazaar offers the following types of term insurance plans to fit the different needs of Individuals from all walks of life.

Term insurance articles

Check out the recent and popular articles on term insurance listed below to see what's new in term insurance

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Tata AIA Term Plans Reviews & Ratings

4.2 / 5 (Based on 28 Reviews)
(Showing Newest 10 reviews)
Kanpur, March 10, 2021
Different companies
Last year when I bought a tata aia term plan I have found various good plans into the policybazaar website. Such a good place to plan a term plan. They helped me a lot to get the best term plan. Thanks.
Aranthangi, March 09, 2021
Stress-free process
I am happy that I have been a part of policybazaar and tata aia term plan. As their process is stress free and best. I really like the product which is been given by the policybazaar.
Dwarka, January 23, 2019
Very Good
I have opened a Sampoorna Raksha+ plan with TATA AIA term insurance. I was not sure about the in-depth details of the plan and its benefits. I logged on to the Policybazaar website as I had seen many advertisements for the brand on TV. I entered my details on their website and one of their representatives contacted me. I had talked to other people too about the term insurance but the way Policybazaar executive explained the plan, was very simple and easy to understand. I was able to get all my confusions cleared beforehand and got the insurance policy opened. The documents involved were minimal and the process was also easy to follow. It took only 4 days to complete the process and I received my policy documents on my communication address as well as my email. All in all, I am really happy and satisfied with my experience with Policybazaar and Tata AIA.
Guwahati, October 18, 2016
Marvelous Insurance Plan
Having term insurance policy which is so beneficial and the investment is also low. Service provided is quick and on time. Online renewals are made so simple through online portal service. Policy coverage is good and claims are even better.
Gurgaon, September 27, 2016
TATA Term Policy
Got the tata aia term insurance policy in low budget and coverage is high as promised. Service given is very nice and staff member of the company available 24X7. Claiming is simple and renewals are done through online portals which is very good service.
Dangar, July 27, 2016
Quality Investment
The term insurance plan i have is very perfect in all other policies. Maximum returns and many benefits. The 24X7 service of yours is the most attractive point which is very clam and nice behaviour of the staff. Renewals are simple to do through online portal service.
Mirzapur, July 12, 2016
Term plan
My term insurance plan is an above average policy which comes in low premiums. Policy coverage is high and claims are high too. Service is fantastic and because of that the documentations become hassle free. Renewal is easy by online portal.
Bawal, June 30, 2016
I bought a term insurance plan and the policy provide me many benefits like low premiums and returns are high. Service you gave is superb and policy coverage is good but the investment is less. My family is very happy with your services.
Sant_kabir_nagar, April 21, 2016
slow service
The tata aia term plan has slow service issue. Policy coverage and claims are high with low investments. The executives and staff members behave well with the customers and providing nice outputs. The daily updates are mailed and texted to me regularly. It saves taxes.
Ooty, April 21, 2016
Nice Policy
Tata aia term policy plan is wonderful with huge benefits like low premiums and the policy coverage is high 91%. Claims are good and the payback amount is around Rs.40 L after the policy get mature. Internet services are great with easy interface and vast variety of policies are there with full descriptions. Good future investment with tax savings.
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