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Tata AIA Life Insurance is a joint venture of Tata Sons and the AIA Group, known for flexible term plans and a 99.4% individual death claim settlement ratio (FY 2024-25).
Tata AIA Life Insurance is a joint venture between Tata Sons and the AIA Group, operating in India since 2001 and headquartered in Mumbai. Its individual death claim settlement ratio was 99.4% in FY 2024-25 (IRDAI). In term insurance, Sampoorna Raksha Promise offers four variants, including return-of-premium and joint-life options, with cover up to age 100, a built-in terminal illness benefit, Life Stage cover increases and FlexiPay premium deferral. Vitality Protect adds wellness-linked premium discounts and a free annual health check-up.
3 plans available — compare coverage, premium, and key features.
Unique monthly income payout option — nominee receives a fixed monthly income instead of lump sum, ensuring long-term financial security.
Key Features
Step-by-step claim process for Tata AIA.
Call 1860-266-9966 or visit tataaia.com/claims. Nominee can also visit any Tata AIA branch.
Upload documents on Tata AIA portal or submit at branch — death certificate, policy, nominee KYC.
Claims processed within 15 working days. Tata AIA's 99.4% CSR ensures most claims are settled without issues.
Lump sum or monthly income (as chosen) credited to nominee's account within 7 working days of approval.
Tata AIA's term lineup stands out for flexibility. Sampoorna Raksha Promise offers four variants, including return-of-premium and joint-life options, with cover up to age 100, a built-in 50% terminal illness payout, Life Stage cover increases and FlexiPay premium deferral. The death benefit can be taken as a lump sum, in instalments or both. Vitality Protect adds wellness-linked premium discounts and a free annual health check-up. Compare final quotes with other insurers before you buy.
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Sampoorna Raksha Promise allows nominees to receive the claim as a monthly income instead of a lump sum. This is ideal for families who may not know how to invest a large sum wisely.
Tata AIA Vitality is a wellness programme where policyholders earn points for healthy activities — gym visits, health check-ups, steps walked. Based on your Vitality status, you get premium discounts up to 20%.
Tata AIA has a claim settlement ratio of 99.4% as per IRDAI Annual Reports.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Tata AIA website before purchasing.
Four plan options, joint-life cover for spouses under one policy, and a terminal illness benefit of 50% of the base sum assured.
Key Features
Women-only term plan that combines Sampoorna Raksha Promise with Tata AIA Health Buddy, with 15% lower premiums for women every year.
Key Features
Yes — Sampoorna Raksha Promise covers 40 critical illnesses. On diagnosis, premiums are waived and the critical illness sum is paid as a lump sum.
Yes — Tata AIA is a joint venture between Tata Sons and AIA Group (one of the largest insurers in Asia-Pacific). The Tata brand is among the most trusted in India.