{"uin":"110N171V12","name":"Tata AIA Maha Raksha Supreme Select","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12","insurer":{"slug":"tata-aia-life-insurance","name":"TATA AIA Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/tata-aia-life-insurance"},"line":"life","category":"term-life","category_name":"Term life","irdai_type":"Product","kind":"product","status":"active","approved_on":"2023-11-25","withdrawn_on":null,"summary":"Tata AIA Maha Raksha Supreme Select is a non-linked, non-participating pure risk individual life insurance plan with Life Secure, Life Secure Plus, Joint Life Secure and Joint Life Secure Plus options. It pays death benefit as a lump sum, staggered benefit or both, and the Plus options pay 100% of total premiums paid at maturity.","analysis":{"state":"machine","analysed_at":"2026-10-19 23:51:42.918765+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Life Secure Option","Life Secure Plus Option","Joint Life Secure Option","Joint Life Secure Plus Option"],"display":"Life Secure Option; Life Secure Plus Option; Joint Life Secure Option; Joint Life Secure Plus Option","note":null,"quote":"The options available are as follows:\nOption 1: Life Secure Option Option 2: Life Secure Plus Option Option 3: Joint Life Secure Option Option 4: Joint Life Secure Plus Option","sources":[{"clause":"3.1(I)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-3-1-i"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording only says the Policy Term is mentioned in the Policy Schedule; the schedule values are not included in the provided document.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"All death claims must be notified immediately in writing. Claim forms and proof must be completed and furnished within 90 days after the insured event happens, unless specified otherwise.","display":"Death claims to be notified immediately in writing; proof within 90 days after the insured event, unless specified otherwise","note":null,"quote":"Notice of Claim | – All cases of death\nmust be notified immediately to us in writing. However, any delay in notifying shall require to be substantiated to Our satisfaction. ... and any appropriate forms as required by us must be completed and furnished to us, at the claimant’s expenses, within 90 days after the date the Insured event happens, unless specified otherwise.","sources":[{"clause":"6(ii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-6-ii"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim Forms Part I: Application Form for Death Claim (Claimant's Statement) along with NEFT form","Part II: Physician's Statement - to be filled by last attending physician","Death Certificate issued by a local government body","Medical Records","Claimant's Photo ID with age proof & relationship with the Insured along with Address proof of the claimant","Cancelled cheque with name and account number printed or cancelled cheque with copy of Bank Passbook / Bank Statement","If no nomination - Proof of legal title to the claim proceeds","If Death due to Accident or unnatural death: FIR or Panchanama/Police complaint/Inquest, Post-Mortem report/Autopsy and Viscera report, Final Police Investigation report/Charge sheet"],"display":"Death claim form and physician statement, death certificate, medical records, claimant ID/address/relationship proof, cancelled cheque or bank proof, legal-title proof if no nomination, and police/post-mortem/final investigation papers for accidental or unnatural death","note":"The company may require additional proof and documents in support of the claim.","quote":"Death (all causes of death other than the Accidental Death) | a) Claim Forms Part I: Application Form for Death Claim (Claimant's Statement) along with NEFT form Part II: Physician's Statement - to be filled by last attending physician ... b) Death Certificate issued by a local government body like ... c) Medical | Records ... d) Claimant's Photo ID with physicians or registered medical practitioners age proof & relationship with and any forms as required by us must be the Insured along with Address completed and furnished to us, at the proof of the claimant and claimant’s expenses. Cancelled cheque with name and account number printed or We reserve the right to require any additional cancelled cheque with copy of proof and documents in support of the claim. Bank Passbook / Bank Statement Proof of Continuing Loss – In the case of If no nomination - Proof of legal title to the claim proceeds ... If Death due to Accident or unnatural death (to be submitted in addition to the above) | • Copy of the First Information Report (FIR) or Panchanama/Police complaint/Inquest# • Copy of Post-Mortem report (PMR)/Autopsy and Viscera report# • Copy of the Final Police Investigation report (FPIR)/Charge sheet#","sources":[{"clause":"6(ii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-6-ii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"For eligible in-force policies after completion of the 3 Policy Year waiting period, an accelerated instant death benefit of INR 3 Lakhs from the Effective Sum Assured is paid within 1 working day from the claim registration date. The remaining Sum Assured is payable after completion of claim investigation.","display":"Eligible instant payout: INR 3 Lakhs within 1 working day from claim registration; balance after claim investigation","note":"The instant payout applies only if the policy is in force, death is not during the first 3 Policy Years, and the policy has minimum Sum Assured of Rs. 1 Crore.","quote":"In case of death of the Life Insured, post completion of Waiting period of 3 Policy Years from the inception or Revival of the Policy and provided the Policy is in force, an accelerated instant death benefit of INR 3 Lakhs from the Effective Sum Assured shall be paid within 1 (one) working day from the claim registration date ... The remaining Sum Assured shall be payable post the completion of the claim investigation by the Company.","sources":[{"clause":"3.1(II)(g)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-3-1-ii-g"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["In case of death due to suicide within 12 months, only the suicide-clause amount is payable instead of the full death benefit","No Terminal Illness claim if the Terminal Illness arises directly or indirectly as a result of attempt to suicide in the first year from inception or Revival of policy","Point of Sale policies: if death occurs during the first 90 days from commencement of risk, Total Premiums Paid are refunded and the policy terminates","Accidental Death Benefit: Death as a result of any disease or infection","Accidental Death Benefit: Death arising due to any condition other than death solely and directly as a result of an Accident","Accidental Death Benefit: Any Pre-existing condition or Disability arising out of a Pre-existing Diseases or any complication arising therefrom","Accidental Death Benefit: Suicide, attempted suicide, intentional self-inflicted injury, acts of self-destruction","Accidental Death Benefit: use, abuse or consequence or influence of any substance, intoxicant, drug, alcohol or hallucinogen","Accidental Death Benefit: foreign invasion, act of foreign enemies, hostilities, warlike operations, civil war, rebellion, revolution, insurrection, military or usurped power","Accidental Death Benefit: flying activity except as a bona fide, fare-paying passenger of a recognized airline on regular routes and on a scheduled timetable","Accidental Death Benefit: speed contest, racing, bungee jumping, parasailing, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing, deep sea diving, polo, snow and ice sports","Accidental Death Benefit: breach of law or participating in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion with criminal intent","Accidental Death Benefit: ionizing radiation, radioactivity, nuclear fuel, nuclear waste, nuclear, chemical or biological attack"],"display":"Suicide within 12 months, Terminal Illness from attempted suicide in the first year, Point of Sale 90-day waiting period, and specified Accidental Death exclusions such as disease, non-accidental death, pre-existing conditions, self-harm, intoxicants, war, flying, hazardous sports, breach of law and nuclear/chemical/biological events","note":"The 90-day waiting period is stated as applicable only if the Policy is availed under Point of Sale product norms and is not applicable for death due to accident if all due premiums have been paid.","quote":"In case of death due to suicide within 12 months: ... the nominee or beneficiary of the Policyholder shall be entitled to at least 80% of the Total Premiums Paid till the date of death or the surrender value available as on the date of death whichever is higher, provided the policy is in force; ... No claim will be payable if the Terminal Illness arises directly or indirectly as a result of attempt to suicide in the first year from inception or Revival of policy. ... If death of the Life Insured occurs during the first 90 days from the Date of commencement of risk, we shall refund Total Premiums Paid and the policy will terminate with immediate effect. ... Accidental Death Benefit shall not be payable for any losses caused directly or indirectly, wholly or partly, by any one of the following occurrences:\n• Death as a result of any disease or infection\n• Death arising due to any condition other than death solely and directly as a result of an Accident\n• Any Pre-existing condition or Disability arising out of a Pre-existing Diseases or any complication arising therefrom. ... Suicide, attempted suicide, intentional self-inflicted injury, acts of self-destruction,\nirrespective | of | mental\ncondition. ... Death arising from or caused due to use, abuse or a consequence or influence of an abuse of any substance, intoxicant, drug, alcohol or hallucinogen ... Death arising out of or attributable to foreign invasion, act of foreign enemies, hostilities, warlike operations ... Death caused by participation of the insured person in any flying activity, except as a bona fide, fare-paying passenger of a recognized airline on regular routes and on a scheduled timetable. ... Insured Person whilst engaging | combustion of nuclear fuel,\nin a speed contest or racing of | nuclear, chemical or biological\nany kind (other than on foot), | attack.","sources":[{"clause":"6(i)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-6-i"},{"clause":"6(ii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-6-ii"},{"clause":"Annexure B","heading":"Definitions","page":45,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-annexure-b"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First register the grievance with Tata AIA through its helpline, email, online policy account, branches/CAMS Service Centers, agent/distributor or by writing to the Customer Service Department. If not satisfied with the decision or if no response is received within the stipulated timelines, escalate to the Grievance Redressal Officer at GRO@tataaia.com or the stated postal address.","display":"First Tata AIA Customer Service; then Grievance Redressal Officer (GRO)","note":null,"quote":"Customers can register their grievances through multiple service avenues:\n• Call our helpline number 1-860- 266-9966 (Call charges apply)\n• Email us at life.complaints@tataaia.com\n• Login to online policy account on www.tataaia.com\n• Visit any of the nearest Tata AIA Life branches or CAMS Service Centers\n• Contact your Tata AIA Life Agent / Distributor\n• Write to us on the following address:\nCustomer Service Department Tata AIA Life Insurance Company Ltd., 9th Floor, B - Wing, I-Think Techno Campus, Behind TCS (Lodha), Pokhran Road No.2, Thane (West), Mumbai – 400 607 ... In case customers are not satisfied with the decision of the above offices, or has not received any response within the stipulated timelines, they may contact the following officials for resolution:\n• Level of Escalation: Grievance Redressal Officer (GRO)\nFor escalations, customers can email to GRO@tataaia.com or write to – Grievance Redressal Officer (GRO) Tata AIA Life Insurance Company Limited, 9th Floor, B - Wing, I-Think Techno Campus, Behind TCS (Lodha), Thane (West), Mumbai – 400 607.","sources":[{"clause":"6.9.1","heading":"Resolution of Grievances","page":32,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-6-9-1"},{"clause":"6.9.2","heading":"Escalation Mechanism","page":33,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-6-9-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"not-stated","value":null,"display":null,"note":"The wording defines Sum Assured and says the Basic Sum Assured when issued is shown in the Policy Schedule, but it does not state the product's minimum and maximum life cover in the provided document.","quote":null,"sources":[],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"For Life Secure and Life Secure Plus, death benefit for an in-force policy is the highest of 1.25 x Single Premium or DB multiple x Annualised Premium, 105% of Total Premiums Paid up to death, or the absolute amount assured to be paid on death, which is the Effective Sum Assured. Joint Life options use the same highest-of formula on first death or simultaneous deaths; if both lives die simultaneously due to accident, an additional amount equal to the Effective Sum Assured is payable.","display":"Highest of 1.25 x Single Premium or DB multiple x Annualised Premium, 105% of Total Premiums Paid, or Effective Sum Assured; joint accidental simultaneous death adds Effective Sum Assured","note":"For Life Secure and Life Secure Plus, the DB multiple is stated as 7 for Life Secure and 10 for Life Secure Plus. For Joint Life Secure and Joint Life Secure Plus, the wording states the DB multiple is 7 for Joint Life Secure Plus and 10 for Joint Life Secure.","quote":"For Life Secure / Life Secure Plus In case of death of the Life Insured for an in-force policy (all due premiums have been paid), the death benefit equals to Sum Assured on Death payable to the Claimant is as outlined below:\nHighest of:\n• 1.25 x Single Premium (excluding discount) or DB multiple(1) x Annualised Premium(2) (excluding discount);\n• 105% of Total Premiums Paid (excluding loading for modal premiums and discount) up to date of death; or\n• An absolute amount assured to be paid on death(3) ... The absolute amount assured to be paid on death is the Effective Sum Assured applicable (as defined earlier) as on the date of death. ... Joint Life Secure / Joint Life Secure Plus options – In case of first death of any of the Life Insureds or simultaneous deaths of both Life Insureds for an in-force policy, wherein all due premiums have been paid, the death benefit equals to Sum Assured on Death payable to the Claimant is as outlined below:\nHighest of:\n• 1.25 x Single Premium (excluding discount) or DB multiple(1) x Annualised Premium (excluding discount);\n• 105% of Total Premiums Paid (excluding loading for modal premiums and discount) up to date of death; or\n• An absolute amount assured to be paid on death(2) ... In case of simultaneous death of both the first life and second life due to Accident for an in-force policy (all due premiums have been paid), the amount payable in addition to the death benefit (defined above) shall be equal to Effective Sum Assured.","sources":[{"clause":"3.1(II)(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-3-1-ii-b-2"},{"clause":"3.1(II)(b)(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-3-1-ii-b-i"},{"clause":"3.1(II)(b)(ii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-3-1-ii-b-ii"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"Life Secure and Joint Life Secure pay no additional benefit at maturity. Life Secure Plus pays 100% of Total Premiums Paid towards the base benefit option and Life Stage or Top-up SA if opted and applicable, if the Life Insured survives to maturity and the policy has not terminated earlier; Joint Life Secure Plus pays the same if both Life Insureds survive to maturity.","display":"Life Secure/Joint Life Secure: no additional maturity benefit; Plus options: 100% of Total Premiums Paid at maturity","note":null,"quote":"In case the Life Insured survives till the Date of Maturity, no additional benefit is payable, and the Policy shall terminate. ... In case any or both the Life Insureds survive till Date of Maturity, no additional benefit is payable, and the Policy shall terminate. ... Life Secure Plus:\nAn amount equal to the 100% of the Total Premiums Paid (excluding loading for modal premiums and discount) towards base benefit option and “Life Stage” or “Top-up SA”, if opted and applicable, shall be payable at the end of the Policy Term, provided the Life Insured survives till maturity and the policy is not terminated earlier. ... Joint Life Secure Plus:\nAn amount equal to the 100% of the Total Premiums Paid (excluding loading for modal premiums and discount) towards the base benefit option and “Life Stage” or “Top-up SA”, if opted and applicable shall be payable at the end of the Policy Term, provided both the Life Insureds survive till maturity and the policy is not terminated earlier.","sources":[{"clause":"3.1(I)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-3-1-i"},{"clause":"5(i)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-5-i"},{"clause":"5(ii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-5-ii"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"not-stated","value":null,"display":null,"note":"The wording only says the Premium Payment Term is the number of years that premium is payable for and is mentioned in the Policy Schedule; the schedule values are not included.","quote":null,"sources":[],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"For Life Secure and Life Secure Plus, death due to suicide within 12 months from commencement of risk or revival pays at least 80% of Total Premiums Paid till death or the surrender value on the date of death, whichever is higher, if the policy is in force. For Joint Life options, the same applies on suicide of either or both lives within 12 months, measured to the earlier death; Life Stage and Waiver of Premium on Husband’s Death have separate 80% premium refund rules.","display":"Within 12 months: at least 80% of Total Premiums Paid or surrender value, whichever is higher; variants for Life Stage and husband's waiver option","note":null,"quote":"Suicide provisions will be applicable as per the Option selected by Policyholder and detailed as mentioned below:\n(i) Life Secure, Life Secure Plus In case of death due to suicide within 12 months:\nFrom the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, the nominee or beneficiary of the Policyholder shall be entitled to at least 80% of the Total Premiums Paid till the date of death or the surrender value available as on the date of death whichever is higher, provided the policy is in force; ... ii) Joint Life Secure, Joint Life Secure Plus:\nIn case of death due to suicide within 12 months:\nFrom the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, of either or both of the Life Insureds, the nominee or beneficiary of the Policyholder shall be entitled to at least 80% of the Total Premiums Paid till the date of earlier death or the surrender value available as on the date of death whichever is higher, provided the policy is in force.","sources":[{"clause":"6(i)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-6-i"},{"clause":"6(ii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-6-ii"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policy terminates on payment of surrender benefit. For Life Secure and Joint Life Secure, Unexpired Risk Premium Value is paid on surrender: regular pay is zero, limited pay is payable if at least 2 years of premiums have been paid, and single pay is payable any time after the premium is paid. For Life Secure Plus and Joint Life Secure Plus, surrender value is available after one policy year with one full year's premium for Limited/Regular Pay with PPT at least 5 years, and immediately for Single Pay or PPT less than 5 years; it is the higher of GSV and SSV.","display":"Life Secure/Joint Life Secure: URPV, with regular pay zero and limited pay after 2 years; Plus options: higher of GSV and SSV, after 1 year for PPT >= 5 years or immediately for single/PPT < 5","note":null,"quote":"The surrender benefit available under the product varies by the Option chosen. The policy will terminate upon payment of this benefit. ... Under Life Secure, and Joint Life Secure (Post attaining the last Milestone Age), we will pay Unexpired Risk Premium Value on surrender which is as follows:\n• Regular Pay: Unexpired risk value will be zero.\n• Limited Pay: Unexpired Risk Premium Value will be payable provided at least 2 years of premiums have been paid. ... • Single Pay: Unexpired Risk Premium Value will be equal to Unexpired Risk Premium Value Factor (URPVF) * Single Premium paid (excluding discount), A positive Unexpired Risk Premium Value is payable on surrender – o Life Secure, and Joint Life Secure - Any time after the premium is paid ... Under Life Secure Plus and Joint Life Secure Plus, a policyholder shall be eligible for Surrender Value on completion of one policy year provided one full year’s premium is paid for Limited/Regular Pay policies with PPT greater than equal to 5 years. For Single Pay policies and for Limited/Regular Pay policies with PPT less than 5 years, the Policyholder shall be eligible fora Surrender Value immediately after it is issued.\nThe surrender value shall be equal to the higher of the Guaranteed Surrender Value (GSV) and the Special Surrender Value (SSV).","sources":[{"clause":"6.7(II)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-6-7-ii"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"If premium is in default beyond the grace period and the policy has not been surrendered, it may be revived within five years after the due date of the first unpaid premium and before maturity, subject to written application, evidence of insurability and payment of overdue premiums with interest.","display":"Within five years after the due date of the first unpaid premium and before maturity","note":"Any revival only covers loss or insured event occurring after the Revival Date.","quote":"If a premium is in default beyond the Grace Period and subject to the Policy not having been surrendered, it may be revived, within five years after the due date of the first unpaid premium and before maturity subject to: (i)\nPremium Paying options | Befor | After | Benefits Payable (if applicab le)\ne 2 | 2\nYour written application for revival; (ii)\nyea | year\nproduction of Insured’s current health\nrs’ | s’\ncertificate and other evidence of insurability\npremi | pre\nsatisfactory to Us; (iii) payment of all overdue\num | miu\npremiums with interest.","sources":[{"clause":"6.5","heading":"REVIVAL","page":26,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-6-5"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Loan is not available under this Policy.","display":"Loan is not available","note":null,"quote":"Loan is not available under this Policy.","sources":[{"clause":"6.6","heading":"LOAN","page":27,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-6-6"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["Dependent Care Option","Life Stage","Top-Up SA","Education Secure","Renewability option at Maturity","Cover Continuation Option","Flexi Pay Benefit","Super Retirement Benefit","Premium Holiday due to Pregnancy","Child Education Protect","Waiver of Premium on Husband’s Death"],"display":"Dependent Care, Life Stage, Top-Up SA, Education Secure, Renewability at Maturity, Cover Continuation, Flexi Pay, Super Retirement, Premium Holiday due to Pregnancy, Child Education Protect, Waiver of Premium on Husband’s Death","note":"These are product options/features stated in the base wording. Some require additional premium or are available only with specified plan options.","quote":"II) Other Additional Options ... 1. Dependent Care Option ... 2. Cover Enhancement Options ... a) Life Stage: ... b) Top-Up SA ... c) Education Secure: ... d) Renewability option at Maturity: ... e) Cover Continuation Option: ... f) Flexi Pay Benefit: ... h) Super Retirement Benefit ... i) Premium Holiday due to Pregnancy ... j) Child Education Protect ... k) Waiver of Premium on Husband’s Death","sources":[{"clause":"3.1(II)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-3-1-ii"},{"clause":"3.1(II)(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-3-1-ii-a"},{"clause":"3.1(II)(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-3-1-ii-b"},{"clause":"3.1(II)(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-3-1-ii-c"},{"clause":"3.1(II)(d)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-3-1-ii-d"},{"clause":"3.1(II)(e)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-3-1-ii-e"},{"clause":"3.1(II)(f)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-3-1-ii-f"},{"clause":"3.1(II)(h)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-3-1-ii-h"},{"clause":"3.1(II)(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-3-1-ii-i"},{"clause":"3.1(II)(j)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-3-1-ii-j"},{"clause":"3.1(II)(k)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-3-1-ii-k"}],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground whatsoever after expiry of 3 years from the date of issuance, commencement of risk, revival or rider, whichever is later. Within 3 years, it may be called in question on fraud or material misstatement grounds, with written communication of the grounds and materials.","display":"Cannot be called in question after 3 years; within 3 years only as stated for fraud or material misstatement","note":null,"quote":"No Policy of Life Insurance shall be called\nin question on any ground whatsoever after expiry of 3 yrs from\na) the date of issuance of policy or\nb) the date of commencement of risk or\nc) the date of revival of policy or\nd) the date of rider to the policy\nwhichever is later. ... On the ground of fraud, a policy of Life\nInsurance may be called in question within 3 years from\na) the date of issuance of policy or\nb) the date of commencement of risk or\nc) the date of revival of policy or\nd) the date of rider to the policy\nwhichever is later. ... Life insurance Policy can be called in\nquestion within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the Life Assured was incorrectly made","sources":[{"clause":"01","heading":"No Policy of Life Insurance shall be called","page":43,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-01-3"},{"clause":"02","heading":"On the ground of fraud, a policy of Life","page":43,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-02-3"},{"clause":"06","heading":"Life insurance Policy can be called in","page":43,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-06-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"not-stated","value":null,"display":null,"note":"The wording only states how applicable taxes, duties, surcharge, cesses or levies are borne or recovered; it does not state tax benefits.","quote":null,"sources":[],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Refund is of all premiums paid without interest after deducting stamp duty and medical examination cost along with applicable taxes, cesses and levies incurred for issuing the policy.","quote":"Such notice must be signed by you and received directly by the Company within 30 days from the date of receipt of the policy document whether the Policy is sourced electronically or otherwise.","sources":[{"clause":"6(f)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-6-f"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Monthly mode has fifteen (15) days; all other modes have thirty (30) days.","quote":"A Grace Period of fifteen (15) days for monthly mode and thirty (30) days for all other modes, from the due date will be allowed for payment of each subsequent premium. The Policy will remain in force during this period.","sources":[{"clause":"6.3","heading":"GRACE PERIOD","page":26,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-6-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["annual","semi-annual","quarterly","monthly"],"display":"annual, semi-annual, quarterly or monthly","note":null,"quote":"premiums may be paid on an annual, semi-annual, quarterly or monthly mode at the premium rates applicable on the Issue Date.","sources":[{"clause":"6.2.2","heading":"CHANGE OF FREQUENCY OF","page":26,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-6-2-2"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Single Pay","Regular Pay","Limited Pay"],"display":"Single Pay, Regular Pay and Limited Pay","note":null,"quote":"The option is available to all premium paying terms (Regular Pay/Limited Pay), except Single Pay ... • Single Pay: Unexpired Risk Premium Value will be equal to Unexpired Risk Premium Value Factor (URPVF) * Single Premium paid","sources":[{"clause":"3.1(II)(f)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-3-1-ii-f"},{"clause":"6.7(II)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619#c-6-7-ii"}],"law":[]},{"key":"return_of_premium","label":"Return of premium option","section":"Cover","meaning":"Whether premiums come back if you survive the term, and at what cost. 'No' only when the document says no maturity benefit is payable.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"payout_options","label":"Payout options","section":"Cover","meaning":"Lump sum, monthly income, or a mix for your family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"terminal_illness","label":"Terminal illness benefit","section":"Cover","meaning":"Whether part of the cover is paid early on diagnosis of a terminal illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"increasing_cover","label":"Increasing or life-stage cover","section":"Cover","meaning":"Options to raise cover over time or at marriage or childbirth.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"waiver_of_premium","label":"Waiver of premium","section":"Cover","meaning":"Whether future premiums stop on disability or critical illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"medicals","label":"Medical tests","section":"Eligibility","meaning":"Whether medical tests are needed, and at what cover.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Maha Raksha Supreme Select 110N171V01 T&C","pages":17,"fetched_at":"2026-10-17 20:13:44+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/pdf/download-centre/english/withdrawn-plans/tata-aia-maha-raksha-supreme-select/Maha-Raksha-Supreme-Select-110N171V01-TandC.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16616"},{"kind":"wording","label":"Maha Raksha Supreme Select 110N171V12 T&C","pages":46,"fetched_at":"2026-10-17 20:13:47+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/pdf/download-centre/english/withdrawn-plans/tata-aia-maha-raksha-supreme-select/Maha-Raksha-Supreme-Select-110N171V12-TandC.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12/document/16619"}],"versions":[{"uin":"110N171V01","version":null,"approved_on":null},{"uin":"110N171V12","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"TATA AIA Life Insurance official website","url":"http://tataaia.com/","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Tata AIA Maha Raksha Supreme Select (UIN 110N171V12), IndiaInsurances, https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v12"}