Tata AIA Maha Raksha Supreme Vs Bajaj Life Smart Protect Goal

Tata AIA Maha Raksha Supreme

Premium starts ₹604/month

Claim Settlement Ratio

99.5%

Bajaj Life Smart Protect Goal

Premium starts from ₹494/month

Claim Settlement Ratio

99.3%

₹1 Crore Life cover starting from ⁺

Lowest Price Guarantee ^˜

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Tata AIA Maha Raksha Supreme is a pure term plan that can cover you till age 85 or for your whole life, up to age 100. You can pay once, for a limited period, or throughout the policy term. Its Life Stage Plus Option lets you increase your cover after marriage or the birth of a child, without fresh medical tests.

The plan also pays 50% of your basic sum assured in advance if you are diagnosed with a terminal illness.

Here are some key features of this plan:

Whole Life Cover till 100

Life Stage Plus Option

50% Payout on Terminal Illness

Single, Regular or Limited Pay

Entry Age up to 70 Years

Option to Add Riders

Comparison

Comparison between Plans

Tata AIA Maha Raksha Supreme

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Bajaj Life Smart Protect Goal

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About Plan (9 Key Differences)

Key Features

Whole Life Cover till 100
Life Stage Plus Option
Terminal Illness Payout

Return of Premium Option
Joint Life Cover
Whole Life Cover till 99

Plan Maturity age

Maximum Maturity Age - 85 years, or 100 years (Whole Life)

Maximum Maturity Age - 85 years (without ROP), 75 years (with ROP), 99 years (Whole Life)

Plan Sum Assured

Base sum assured: ₹50 lakh (in multiples of ₹5 lakh)

Base sum assured: ₹5 lakh

Plan Entry Age

Minimum Age - 18 years, Maximum Age - 70 years (65 years for 10 and 12 pay; 45 years for pay till 60)

Minimum Age - 18 years, Maximum Age - 65 years

Plan Variants

None

Life Cover, Life Cover with Child Education Extra Cover, Life Cover with Joint Life, Increasing Life Cover

Plan Payment modes

Single, regular or limited pay (5, 10, 12 years or till age 60); annual, half-yearly, quarterly & monthly

Single, regular or limited pay; [confirm payment frequencies from brochure]

Critical Illness Cover

Not built in; available through the Comprehensive Protection Rider

55 illnesses, with payouts at minor and major stages (add-on)

Payout Options

Lump sum

Return of Premium

Not available

Available as a maturity benefit option (not with Whole Life)

Rider of Different Plans

Accidental Death and Dismemberment (Long Scale) Rider

Get a lump sum if death happens due to an accident, or a part of the rider cover for accidental loss of limbs, loss of bodily functions or severe burns.

Non-Linked Comprehensive Protection Rider

Choose one or more extra covers, such as death, accidental death or disability, critical illness and terminal illness.

Non-Linked Comprehensive Health Rider

Add health cover to your policy, with benefits based on the option you choose.

Explore the popular searches and stay informed

˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar Insurance Brokers Private Limited does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

+On the basis of your profile

+Rs. 410/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10

+Rs. 410/month (Rs.14/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age rounded off to nearest 10

+Rs. 245 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10

+Rs. 15/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10

+Rs. 504/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 494/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 636/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 918/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,286/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 453/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.582/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 786/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,592/month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 525/month is the starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 68 years of age.

+Rs. 668/month is starting price for a 2 crore term life insurance for an 25 year-old male, non-smoker, with no pre-existing diseases, cover upto 45 years of age.

+Rs. 1,200/month is starting price for a 2 crore term life insurance for an 35 year-old male, non-smoker, with no pre-existing diseases, cover upto 55 years of age.

+Rs. 410/month is starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 577/month is starting price for a 1 crore term life insurance for an 18 year-old Male, self employed, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. ₹361/month is the starting price for a ₹1 crore loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

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