TATA AIA Maha Raksha Supreme
  • Life Stage Plus Option
  • Payout Accelerator Benefit
  • Non-smoker & Female Discounts
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TATA AIA Maha Raksha Supreme

TATA AIA has introduced a term plan which covers you for terminal illnesses. You can avail of 50% of the basic sum assured in case you are diagnosed with any terminal illness during policy term.

In addition to this, if you bought your plan at an early age and now plan to get married, you might feel that the sum assured that you chose would be insufficient for the new chapter of your life. For this, Maha Raksha Supreme offers a Life Stage Plus option that helps you to increase the basic sum assured with upcoming future responsibilities such as marriage and childbirth, without undergoing any medical tests again.

Tata AIA Maha Raksha Supreme Term Plan offers you a range of benefits including:

why-choose
  • Life stage plus option
  • Tax benefits
  • Special rates for non-smokers and women
  • Additional riders
  • Death benefit
  • Payout Accelerator Benefit

Eligibility Criteria for TATA AIA Maha Raksha Supreme

Your Occupation

Entry age

Minimum Age - 18 years Maximum Age - 70 years

Mukhyamantri Amrutam Yojana

Maturity age

Maximum Maturity Age - 80 years

Your Gender

Policy term

Minimum term - 10 years Maximum term - 40 years

Maternity Benefit Rider

Sum assured

Base sum assured: Rs 50 lakhs to no limit

Dr YSR Aarogyasri Trust

Policy loan

The policy loan is not available under TATA AIA Maha Raksha Supreme

Maternity Benefit Rider

Payment modes

Annual, half-yearly, quarterly & monthly

How Does Tata AIA Maha Raksha Supreme Term Plan Work?

Let's understand how the Tata AIA Maha Raksha Supreme Term Plan works with a simple premium illustration.

Why Buy Term Insurance Online?

Problem

Mr. Verma is looking for a simple and affordable term plan that provides financial safety to his family in case of his unfortunate demise.

Solution

His financial advisor advised him to visit PolicyX.com and buy the Tata AIA Maha Raksha Supreme Term Plan. 

Let's understand how the Tata AIA Maha Raksha Supreme Term Plan works for him with a premium illustration table.

Age of policyholder Annual premiums Policy tenure Premium payment term Total premiums paid Sum assured
30 years Rs 9300 30 years 30 years Rs 2,79,000 Rs 50 lakhs

Key Takeaways: In case of Mr. Verma's demise during the policy tenure, Rs 50 lakhs will be paid to their nominee.

Benefits of TATA AIA Maha Raksha Supreme

Here are the benefits associated with the TATA AIA Maha Raksha Supreme

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Riders Associated with Tata AIA Maha Raksha Supreme Plan

You can add the following riders to your Tata AIA Maha Raksha Supreme:

Tata AIA Life Insurance Accidental Death and
Disability Rider

In case of the policyholder’s demise or disability due to an accident, a payout is paid to the nominee.

Tata AIA Non-Linked Comprehensive
Protection Rider

This rider provides coverage for various unforeseen events, such as death, disability due to accident, a wide range of critical illnesses, or terminal illnesses.

Features of TATA AIA Maha Raksha Supreme

Special rates for non-smokers and women

Tata AIA Maharakshak Supreme term plan offers special premium rates for non-smokers and women, upon choosing a higher sum assured amount. 

Payout Accelerator Benefit

Under the inbuilt Payout Accelerator Benefit, you can take up to 50% of the basic sum assured in the event of diagnosis of any terminal illness in which the chance of survival is not greater than 6 months. 

Free look period

If you are unsatisfied with Tata AIA Maha Raksha Supreme, you will get 15 days of free look period if you bought the policy from an offline medium and 30 days if you bought it online.

Grace period

Tata AIA Maha Raksha Supreme term plan offers 15 days for monthly mode and 30 days for all other ways if you miss the premium payment from the due date.

Exclusions of Tata AIA Maha Raksha Supreme Term Plan

Here is the list of exclusions associated with the plan:

  • Death occurred due to a pandemic is not covered by the company.
  • Death caused due to any type of adventure sports.
  • If a policyholder commits suicide within first 12 months of purchasing the policy, then no death benefits are paid to their nominee. Either premiums paid to date or the surrender value of the policy whichever is higher is paid to them.

Conclusion

TATA AIA Maha Raksha Supreme is a term plan which covers you for terminal illnesses. You can avail of 50% of the basic sum assured in case you are diagnosed with any terminal illness during policy term.  If you are still confused about which term plan is best for you then you can contact us at PolicyX.com. One of our insurance representatives will contact you shortly, understand your requirements, and suggest a plan that suits your needs.

Explore other Tata AIA Term Insurance

Tata AIA Term Insurance offers one of the best term insurance plans to cater to the unique needs of every customer. You can buy their term plans with high life cover at pocket-friendly costs. Get a 5% discount for online purchases and 100% claim assistance with Tata AIA Term Insurance plans. Below is the list of term plans offered by Tata AIA.

Tata AIA Insta Protect is a comprehensive plan protecting your family against death, disability, and disease under a single plan. The plan safeguards ...

Unique Features

  • All round protection
  • Loaded with features
  • Very high Sum Insured

TATA AIA Insta Protect (Pros)

TATA AIA Insta Protect
  • Covers Death Due to Accident
  • No Medical Tests
  • Accelerated Terminal Illness

TATA AIA Insta Protect (Cons)

TATA AIA Insta Protect
  • No Loans Allowed
  • No Maturity Benefit
  • No Suicide Cover in Terminal Illness

TATA AIA Insta Protect (Other Benefits)

TATA AIA Insta Protect
  • Return of Premiums (Optional)
  • Survival and Maturity Benefit
  • Health and Wellness Benefits

TATA AIA Insta Protect (Eligibility Criteria)

TATA AIA Insta Protect
  • Entry Age - 18 years
  • Max Entry Age - 45 years
  • Minimum Sum Assured - 25 L
  • Maximum Maturity Age - 75 Yrs
  • Premium Payment Term - LP/RP/SP

Tata AIA SRS Vitality is a rеmarkablе term insurance plan that sеamlеssly blеnds two еssеntial еlеmеnts - Tata AIA Life Insurance Sampoorna ...

Unique Features

  • Whole Life Cover
  • Wellness Program
  • Cover Boosters

Tata AIA SRS Vitality Protect (Pros)

Tata AIA SRS Vitality Protect
  • 10% Guaranteed Discount
  • Wellness Rewards Program
  • Guaranteed 1st Year Discount

Tata AIA SRS Vitality Protect (Cons)

Tata AIA SRS Vitality Protect
  • No Plan Conversion Option
  • No Maturity Benefit
  • Limited Premium Payment Terms

Tata AIA SRS Vitality Protect (Other Benefits)

Tata AIA SRS Vitality Protect
  • 75% SA Terminal Illness Coverage
  • Cover Boosters
  • Up To 30% Rider Premium Discount

Tata AIA SRS Vitality Protect (Eligibility Criteria)

Tata AIA SRS Vitality Protect
  • Entry Age - 18 years
  • Max Entry Age - 65 years
  • Minimum Sum Assured - 50 L
  • Max Maturity Age 100Yrs
  • Premium Payment Term - (5-81 Yrs) LP/RP/SP

TATA AIA Saral Jeevan Bima is a pure protection plan. The plan is designed with simple terms and conditions, it is affordable and accessible to even t...

Unique Features

  • A simple and easy plan
  • Affordable premiums
  • Choose your rider options

TATA AIA Saral Jeevan Bima (Pros)

TATA AIA Saral Jeevan Bima
  • Available for Online Buying
  • Choose to pay Premium Once
  • Max Sum Assured 50L

TATA AIA Saral Jeevan Bima (Cons)

TATA AIA Saral Jeevan Bima
  • No Survival Benefit
  • No Maturity Benefit
  • No Surrender Benefit

TATA AIA Saral Jeevan Bima (Other Benefits)

TATA AIA Saral Jeevan Bima
  • Suicide Cover
  • Spouse Cover
  • Policy Revival Within 5 Years

TATA AIA Saral Jeevan Bima (Eligibility Criteria)

TATA AIA Saral Jeevan Bima
  • Entry Age - 18 years
  • Max Entry Age - 65 years
  • Minimum Sum Assured - 5 L
  • Maximum Maturity Age - NA
  • Premium Payment Term - RP/SP/LP(5&10 Years)

TATA AIA has introduced a term plan which covers you for terminal illnesses. You can avail of 50% of the basic sum assured in case you are diagnosed w...

Unique Features

  • Life Stage Plus Option
  • Payout Accelerator Benefit
  • Non-smoker & Female Discounts

TATA AIA Maha Raksha Supreme (Pros)

TATA AIA Maha Raksha Supreme
  • Additional Riders
  • High Cover Discount
  • Life Coverage with Terminal Illness Payout

TATA AIA Maha Raksha Supreme (Cons)

TATA AIA Maha Raksha Supreme
  • No Policy Loan is Available
  • No Plan Conversion Option
  • No Maturity Benefit

TATA AIA Maha Raksha Supreme (Other Benefits)

TATA AIA Maha Raksha Supreme
  • Payout Accelerator Benefit
  • 105% SA Death Benefit
  • Whole Life coverage (till age 100 years)

TATA AIA Maha Raksha Supreme (Eligibility Criteria)

TATA AIA Maha Raksha Supreme
  • Entry Age - 18 years
  • Minimum Sum Assured - 50 L
  • Max Maturity Age 100Yrs
  • Premium Payment Term - LP/RP/SP
  • Max Entry Age - 65 years(Adaptable)

FAQs: TATA AIA Maha Raksha Supreme

1. What is the free look period available in Tata Aia Maha Raksha Supreme?

Tata Aia Maha Raksha Supreme plan offers 15 days of free look period for offline purchases and 30 days for online purchases.

2. What is the minimum age to purchase the Tata aia Maha Suraksha supreme term plan?

The minimum age to purchase the Tata AIA Maha Raksha Supreme is 18.

3. Can I get the total sum assured upon diagnosing any terminal illness?

No, you can only get up to 50% of the sum assured upon diagnosis of any terminal illnesses.

4. What is the minimum sum assured I can opt for under the Tata AIA Maha Raksha supreme term plan?

The minimum sum assured you can opt for under the Tata Aia Maha Raksha Supreme term plan is 50 lakhs.

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varun saxena

Written By: Varun Saxena

I am a passionate content writer with over three years of experience in the insurance domain. An avid learner, I always tries stays ahead of the industry's trends, ensuring my writing remains fresh and includes the latest insurance shifts. Through my work, I strive to engage with targeted insurance readers.