Tata AIA instaProtect Plan

Tata InstaProtect is a comprehensive innovative solution that provides financial protection to you and your family members. This smart product combines the long cover benefits with critical illness, accidental death, hospitalization expenses, accidental death, total and permanent disability, and others.

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Get ₹1 Cr. Life Cover at just ₹449/month+
Why Tata Aia Life Insurance? Know More
98.02% Claim Settlement Ratio+
4 Hours Claim Settlement+
40 Critical Illnesses Benefit+
Whole Life Cover+
Accidental Death Benefit+

Why Tata Aia Life Insurance?

×
  • 98.02% Claim Settlement Ratio

    The company ensures your loved ones receive the financial support needed in your absence, hassle-free.

  • 4 Hours Claim Settlement

    With ‘Express Claims’, TATA AIA endeavors to provide claim payment within 4 hours for policies with Death Benefit upto 50 Lacs.

  • 40 Critical Illnesses Benefit

    Additional Payout on 40 Critical Illnesses including Minor and Major Cancer related, Cardiac related and other Critical Illnesses. This benefit safeguards your family against financial urgency resulting from these illnesses.

  • Whole Life Cover

    Ensure financial protection and create a financial cushion for the family even in your absence with a whole life cover plan.

  • Accidental Death Benefit

    One death every minute in India happens due to a road accident. This optional benefit provides your loved one’s additional pay-out in case of death due to an accident.

*Tax benefit is subject to changes in tax laws.

**All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Disclaimers

Get ₹1 Cr. Life Cover at just ₹449/month+
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Key Features Of Tata AIA InstaProtect Plan 

Here are the Key features of Tata AIA InstaProtect Plan: 

  • Comprehensive Protection: The Tata AIA InstaProtect offers comprehensive life cover and health protection to you and your family, with flexible packages to choose from. It covers heart conditions, hospitalization, cancer, terminal illness, critical illness, and disability 

  • Cost-effective and economical premium rates: Each plan option come with a flexible term of premium payment and economical premiums for comprehensive benefits and coverage 

  • Return of premium (optional)

  • Tax Savings Benefit: Get tax benefits as per the applicable laws of the Income Tax Act 

  • Simplified procedure: Smooth and easy on-boarding process with no medical tests, claim settlement processes, and renewal with hassle-free online transaction modes. 

  • Express Issuance: This option offers the claim payout option within 4 hours of registering the claim

  • Flexibility: You can select the premium payment term and policy term at your convenience. 

Benefits of Tata AIA InstaProtect Plan 

Following are the benefits of the Tata AIA InstaProtect Plan: 

  1. Criticare Plus Benefits: Under this, you will be eligible for lump sum payout on 1st diagnosis of any of the mentioned 40 critical illnesses or undergoing any covered processes. Thus, this benefit offers comprehensive coverage against a number of illnesses such as cardiac and cancer. 

  2. Hospicare Benefit: In case of any medical emergency, if you are hospitalized, the hospicare benefit will pay for per day hospitalization advantage of 0.5% of the sum assured amount. Also, if you are admitted to ICU, then an additional 0.5 percent of the sum assured will be payable. 

  3. Accidental Total and Permanent Disability Benefit: In case of an unfortunate event such as total and permanent disability because of an accident, a lump sum amount will be paid. This amount will provide coverage for treatment expenses, income loss, etc. In this, the payout amount gets doubled if the accident occurs under some situations such as public transport, etc. 

  4. Life Cover: Protect your family’s financial future in case of your unforeseen demise with a term cover. The term cover will take care of your dear one’s financial well-being and provide much-required security in your absence. 

  5. Choose Return of Premium Option: Get ROP for respective coverage at the time of maturity, if the benefit option is in force till the completion of the policy tenure. 

Specifications of Tata AIA InstaProtect Benefits 

Benefits Sum Assured Package
25 Lakhs 50 Lakhs 70 Lakhs
Criticare Plus Benefit (Lumpsum) 3 Lakhs 5 Lakhs 10 Lakhs
Hospicare Benefit (Lumpsum) 5 Lakhs 10 Lakhs 10 Lakhs
Accidental Total and Permanent Disability (Lumpsum) 5 Lakhs 10 Lakhs 15 Lakhs
Accidental Death Benefit (lumpsum) 5 Lakhs 10 Lakhs 15 Lakhs
Sampoorna Raksha Supreme 7 Lakhs 15 Lakhs 20 Lakhs

**Payout accelerator benefit offers inbuilt terminal illness at 50 percent of sum assured 

Types of Term Plans


Eligibility Criteria 

Parameters  Minimum  Maximum 
Sum  Assured Package  25, 50, 70 Lakhs
Return of Premium option (ROP) ROP, non-ROP
Entry Age  18 years  45 years 
Maturity Age  23 years  75 years 
Policy Term  ROP  5 years  50 years 
Non-ROP  5 years  50 years 
Premium Payment Term  Single Pay  1 year
Limited Pay 5 year  PT minus 1 
Regular Pay  Equal to PT
Frequency of Premium Payment  Annual/Half-yearly/Quarterly/Monthly

How Does Tata AIA InstaProtect Plan Work? 

  • Step 1: Choose the correct sum assured package 

  • Step 2: Choose Non-Return of Premium (ROP)/Return of Premium 

  • Step 3: Choose Premium Payment Term/Policy Term and Payment Frequency

  • Step 4: You can easily and quickly buy the customized plan online through multiple digital payment modes. Proceed to pay the premium of Tata AIA InstaProtect Plan 

Five things to know before buying Term Plan Five things to know before buying Term Plan

Sample Premium Illustration 

The below table illustrates the annual premium amount for non-smoker males of 30 years. 

Age PT PPT Non-ROP option for sum assured package ROP option for sum assured package
25 Lakhs 50 Lakhs 70 Lakhs 25 Lakhs 50 Lakhs 70 Lakhs
35 years  20 years  5 13416 25237 35813 34058 64344 88629
20 years  10 7238 13608 19342 18789 35498 48921
20 years  12 6486 12208 17289 16867 31879 43819
20 years  20 4572 8609 12167 13725 25981 35398
30 years  5 20486 38656 55808 32978 62108 88306
30 years  10 11345 21413 30894 17777 33465 47665
30 years  12 9921 18737 26984 15476 29143 41459
30 years  30 5777 10930  15660 20611 20611 28770
Premium By Age

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Tata AIA instaProtect Plan Reviews & Ratings

4.2 / 5 (Based on 28 Reviews)
(Showing Newest 10 reviews)
Arya
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.
Nikunj
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.
Vimal
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.
Jaswant
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.
Yashvir
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.
Rahul
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.
Vishu
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.
Lakshay
Bawal, June 30, 2016
Good
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.
Nakul
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.
Abhinav
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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