A Review Of Tata AIA Return Of Premium Term Plan

“Policybazaar is suggested by one of my friend, So i took it from Tata AIA term insurance plan. Staff members and executives of policybazaar provides good and quick services. Policy coverage is good approx. 90 percent but the premiums are normal. Good terms in compare with other companies. Good future investment with tax saving.” – Gatik, Srinagar

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Note: Know more about what is term insurance first before reading this article.

Gatik, from Srinagar secured his family's future by simply choosing the Tata AIA Life Insurance Plan. With flexible benefits customized to the customer’s lifestyle and needs, Tata AIA Life Insurance ensures the safety and well-being of loved ones in unforeseen circumstances.

Let’s understand about Tata AIA Return of Premium Term Plan and its key features and benefits as mentioned in the Tata AIA term plan brochure:

What is Tata AIA Term Insurance With Return of Premium?

Tata AIA Life Insurance is one of the leading insurance companies in the Indian Private Sector. It offers various insurance products such as term, ULIP, savings and retirement plans to help individuals and families protect their financial future in the event of life's uncertainties. Tata AIA Return of Premium Term Plan provides you dual benefits, i.e., death benefit to your nominees upon your untimely death and survival benefit in case you outlive the policy term.

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⁺

Why Should You Consider Buying Tata AIA Return Of Premium Term Plan?

Below are some reasons why you can consider buying the Tata AIA Return of Premium Term Plan:

Comprehensive Plans: Tata AIA Life Insurance offers a wide range of plans, like Term life insurance, Retirement, Investment, child, and investment plans. You can easily use Policybazaar to buy the best Tata AIA Life Insurance Plan that suits your budget and requirements.
Online Buying Convenience: Tata AIA Life Insurance offers a quick and hassle-free online purchasing process for life insurance plans. Each policy offers various options to suit both your budget and needs. You can buy Tata AIA Life Insurance from Policybazaar and avail an extra 10% online discount.
High Claim Settlement Ratio: Tata AIA Life Insurance has a remarkable CSR of 99.4%, in the last financial year. A higher CSR signifies the reliability of the insurance company in settling claims.
Cost-Effective Coverage: Tata AIA Life Insurance provides comprehensive life coverage at affordable premium rates, thereby, providing multiple options within an affordable range.
Quality Customer Service: Tata AIA Life Insurance offers affordable premium rates and values its clients. The customer care service of this insurer is available 24x7 on their official website and can be contacted through their toll-free number to address any queries. You can also contact Policybazaar’s insurance advisors to solve queries and doubts regarding the Tata term insurance with return of premium that you buy.
4 Hours Express Claim Settlement: With ‘Express Claims’, Tata AIA term plan with return of premium provides claim settlement to the nominees of the deceased policyholders within 4 hours of claim intimation.
Tax Benefits: Premiums up to Rs. 1.5 Lakh per year is tax-exempt under section 80C of the Income Tax Act, 1961, as per the prevailing tax laws. Moreover, the life cover paid to your nominee is completely tax-free under section 10(10D) in case of your unfortunate death.

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What Is The Best ROP Plan Offered By Tata AIA Life Insurance?

Tata AIA Maha Raksha Supreme Select Plan is a comprehensive protection plan that comes with dual benefits of death and maturity benefits, i.e in the unfortunate event of your demise, your family will receive the life cover as death benefit. With 7 plan options to choose from, the Tata AIA Maha Raksha Supreme Select Plan is one of the best ROP Plans offered by TATA AIA Life Insurance.Let us take a look at the benefits and key features of this plan as per the Tata AIA term plan pdf:

What Are The Key Features of Tata AIA Maha Raksha Supreme Select Plan?

Below are the key benefits of the Tata AIA Maha Raksha Supreme Select Plan:

Maturity Benefits: 100% of Total Premiums Paid as maturity benefit under Life Secure Plus, Step-Up Secure Plus, and Joint Life Secure Plus Options.
Plan Options: 7 plan options to choose from the Tata AIA term plan brochure are i.e. Life Secure, Life Secure Plus, Joint Life Secure, Joint Life Secure Plus, Step-Up Secure, Step-Up Secure Plus, and Legacy Secure Plus.
Payor Accelerator Benefit: The Tata term insurance with return of premium PDF states that 50% of base sum assured as lump sum on Terminal Illness diagnosis will be paid and the future premiums waived.
Life Stage Option: As per the Tata AIA term insurance with return of premium brochure, you can increase coverage at marriage, birth/adoption of 1st & 2nd child, or home loan disbursal.
Top-Up Benefit: The Tata AIA return of premium term plan PDF states the top up benefit that provides annual increase in life cover to address inflation and rising needs.
Education Secure: Added protection for education expenses of up to 3 nominated children.
Cover Continuation Option: In Joint Life Secure, the surviving spouse may continue coverage with Single Premium policy.
Premium Discount for Women: Female customers can receive lower premiums due to their decreased risk of life.
Optional Riders: Add-on term insurance riders available for enhanced coverage.
Renewability Option at Maturity: Option to renew Tata AIA term plan with return of premium at maturity, up to 5 times.
Flexibility: Choice of policy term and premium payment term (single, limited, or regular premium payment).
Tax Benefits: Premiums and payouts are available for tax deductions/exemptions under Sections 80C and 10(10D) of Income Tax Act 1961.

Wrapping It Up!

Gatik made a good choice by buying the Tata AIA Life Insurance Plan. It will help him protect his loved ones from future financial burden. The Tata AIA term insurance with return of premium option in these plans allows him to get back all his premiums paid policy after maturity, i.e. an amount equivalent to 100% of the total premiums paid. Gatik easily bought the plan from Policybazaar, and he was also promised 100% Claims Assistance.

Note: Check out the best term insurance plan in India and choose one that suits your requirements.

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FAQs

Q. What is Tata AIA Return of Premium Term Plan?

A: Tata AIA Return of Premium Term Plan offers dual benefits, providing a death benefit to nominees upon the policyholder's untimely death and a survival benefit if the policyholder outlives the policy term.
Q. What is the best ROP Plan from Tata AIA Life Insurance?

A: The best ROP Plan from Tata AIA Life Insurance is the Tata AIA Maha Raksha Supreme Select Plan, which is a comprehensive Tata term insurance with return of premium plan with dual benefits of death and maturity benefits.
Q. Is Tata AIA’s claim settlement reliable?

A: Yes, Tata AIA Life Insurance has a remarkable 99.4% claim settlement ratio in the last financial year.
Q. Are there tax benefits with Tata AIA return of premium term plan?

A: Yes, you can enjoy tax exemptions on premiums and tax-free life cover payout under Section 80C and 10(10D) with Tata AIA return of premium term plan.
Q. What is the customer review regarding Tata AIA return of premium plan?

Ans: The review of Tata AIA return of premium plans is positive, with several customers receiving 100% of the premiums paid on survival of the policy term.

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Author's Bio

Varun Agarwal Head - Term Insurance

Varun has spent years in the insurance space, but what drives him isn't policies or premiums — it's the conversations he's had with real people. A young father in Pune wondering if his salary is enough. A newly married couple in Jaipur putting off "the insurance talk" for later. A mother in Chennai who never knew her husband was underinsured until it was too late.
These stories stay with him. As Head of Term Insurance at Policybazaar, Varun knows the numbers well — 52.4% of Indians are aware of term insurance, yet only 9.6% own it. And 87% of families don't realise they're leaving their loved ones with far less protection than they actually need. But behind every statistic, he sees a family that just needed someone to sit with them, explain it simply, and help them take that one step. That's exactly what Policybazaar's term insurance is built to do. In his words, "Most people aren't avoiding protection — they're just waiting for someone to make it easy. That's what we're here for."

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˜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 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

Rs. 400/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. 400/month (Rs.13/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.

+Rs. 230 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. 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. 12/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. 497/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. 487/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. 626/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. 905/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. ₹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

+Rs. 1,267/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.

*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. 447/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.679/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. 910/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. 1,924month 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.

Women

+Rs. 400/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, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

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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