Tata AIA Sampoorna Raksha Promise Term Insurance: Complete 2024 Policy Breakdown

Tata AIA Sampoorna Raksha Promise stands out in India’s term insurance market by offering comprehensive protection with unique survival benefits. This detailed guide examines the Tata AIA Sampoorna Raksha Promise benefits, premium calculator, plan details, and how it compares to other Tata AIA term plans like the Smart Sampoorna Raksha variant.

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Key Policy Highlights

🛡️ Triple-Layer Protection:

• Death Benefit: Up to ₹2 Crore (Age 18-65)
• Critical Illness: Covers 64 conditions (Optional Rider)
• Accidental Death: Additional 100% sum assured

💰 Survival Benefits:

• Return of Premium: 50-125% premiums back at maturity
• Loyalty Additions: Up to 10% bonus on sum assured

📊 Tax Efficiency:

• Premiums: Section 80C
• Benefits: Section 10(10D)

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Plan Variants & Premium Comparison

Variant	Sum Assured	Term	Monthly Premium (35Y Male)	Unique Feature
Basic Promise	₹50L	30Y	₹1,299	Pure term cover
Smart Promise	₹1Cr	30Y	₹2,399	CI Rider included
Supreme Promise	₹1.5Cr	30Y	₹3,699	Premium Return + CI

Non-smoker premium with medical tests

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Policy Documents & Resources

📄 Essential Documents:

1. Tata AIA Sampoorna Raksha Supreme brochure PDF [Download Link]
2. Policy Wordings Document
3. Benefit Illustration Statement

🔍 Access via: Customer Portal > My Policies > Documents

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Premium Calculator: Estimate Your Costs

Sample Calculation:

• Age: 30 Years | Coverage: ₹75L | Term: 25Y
• Estimated Premium: ₹1,899/month (With CI Rider)

💡 Use official Tata AIA Sampoorna Raksha premium calculator for accurate quotes

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Critical Illness Coverage (64 Conditions)

🩺 Major Categories Covered:

1. Cancer (All Stages)
2. Neurological Disorders (Parkinson’s, Alzheimer’s)
3. Organ Transplants
4. Advanced Diabetes Complications
5. Major Burns (50%+ body surface)

📌 Complete list in policy document

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Claim Settlement Process

⚡ 4-Step Claim Journey:

1. Intimate claim via 1800-266-9966
2. Submit Death Certificate/Medical Reports
3. Field Verification
4. Payout within 10 days (99.1% settlement ratio)

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Tata AIA Sampoorna Raksha Review

✅ Pros:

• Widest CI Coverage: 64 conditions vs industry average of 40
• Flexible Payout Options: Lump sum or monthly income
• High Claim Settlement: Tata AIA’s 99.1% track record

❌ Cons:

• Medical tests mandatory for all policies
• Complex benefit structure for new buyers

PolicyBazaar Rating: 4.7/5 (Based on 15K+ reviews)

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Comparison With Other Tata AIA Plans

Plan	Coverage	Term	Unique Feature
Sampoorna Raksha Promise	₹2Cr	35Y	Premium Return
Smart Sampoorna Raksha	₹1.5Cr	30Y	Lower premiums
Saral Jeevan Bima	₹50L	40Y	No medical tests

📥 Complete Tata AIA Life Insurance Sampoorna Raksha benefits list on website

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Who Should Buy?

✔ Family Providers needing comprehensive coverage
✔ Health-Conscious Buyers wanting extensive CI protection
✔ Tax Savers looking for 80C benefits with returns

Alternatives:

• Pure term plans (Higher coverage at lower cost)
• Endowment plans (For guaranteed returns)