Maha Raksha Supreme Select

Service Details

Tata AIA Maha Raksha Supreme Select – Advanced Term Insurance for Comprehensive Financial Protection

Protecting your family's financial future is one of the most important responsibilities you can undertake. Tata AIA Maha Raksha Supreme Select is a comprehensive, non-linked, non-participating pure term insurance plan that offers high life cover with flexible protection options, premium flexibility, and valuable in-built benefits. Designed to adapt to your changing life needs, this plan provides financial security for your loved ones while allowing you to enhance your coverage as your responsibilities grow.

Why Choose Tata AIA Maha Raksha Supreme Select?

Tata AIA Maha Raksha Supreme Select is designed for individuals seeking extensive life insurance protection with customizable features. From increasing your life cover during important milestones to optional return of premium benefits, the plan offers flexibility to match your financial goals.

Key Features

High Life Cover

Comprehensive financial protection for your family.
Sum Assured options starting from ₹50 lakh, with higher cover available based on eligibility and underwriting.

Multiple Plan Options

Choose the protection option that best suits your needs:

Life Secure – Pure term insurance protection.
Life Secure Plus – Return of Premium option that refunds 100% of eligible premiums paid at maturity if you survive the policy term.
Joint Life Secure Plus – Protection for spouses with Return of Premium benefits, subject to policy terms.

Life Stage Benefit

Increase your life cover without additional medical underwriting at major life events such as:

Marriage
Childbirth
Home loan
Other eligible milestones

This ensures your insurance keeps pace with your growing financial responsibilities.

Premium Flexibility

FlexiPay Benefit

If you experience temporary financial difficulties, you can defer premium payments for up to 12 months while continuing your life cover, subject to policy terms.

Premium Discounts

Eligible customers can enjoy attractive discounts such as:

Salaried customer discount
Digital purchase discount
Family and nominee discounts
Women-specific premium advantages (where applicable)

Discounts are subject to eligibility and policy conditions.

Instant Claim Assistance

The plan offers an Instant Payout feature under eligible conditions, providing an immediate payment (subject to policy terms) shortly after claim intimation, helping nominees manage urgent financial expenses while the remaining claim is processed.

Terminal Illness Benefit

If the life insured is diagnosed with a terminal illness meeting the policy conditions, the plan provides an accelerated payout along with waiver of future premiums under eligible conditions, offering financial relief during a difficult time.

Optional Riders

Enhance your protection with optional riders such as:

Critical Illness Rider
Accidental Death Benefit Rider
Accidental Total & Permanent Disability Rider
Waiver of Premium Rider
Hospi Care Rider
Super Retirement Rider

These riders help provide additional financial support against unforeseen events. Availability is subject to rider terms and eligibility.

Who Should Buy This Plan?

Tata AIA Maha Raksha Supreme Select is suitable for:

Young professionals
Married individuals
Parents with dependent children
Home loan borrowers
Business owners
High-income earners seeking substantial life cover
Anyone looking for long-term financial protection for their family

Tax Benefits

Premiums paid and benefits received may qualify for tax benefits under the applicable provisions of the Income Tax Act, subject to prevailing tax laws.