{"uin":"110N171V14","name":"Tata AIA Maha Raksha Supreme Select","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14","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":"2024-06-19","withdrawn_on":null,"summary":"Tata AIA Maha Raksha Supreme Select is a non-linked, non-participating, pure risk individual life insurance premium plan with Life Secure, Life Secure Plus, Joint Life Secure and Joint Life Secure Plus options. Life Secure Plus and Joint Life Secure Plus pay 100% of total premiums paid at maturity, while Life Secure and Joint Life Secure have no additional maturity benefit.","analysis":{"state":"machine","analysed_at":"2026-10-19 23:50:24.018948+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":"Option 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":null,"heading":"Option 1: Life Secure Option Option 2: Life Secure Plus Option Option 3: Joint Life Secure Option Option 4: Joint Life Secure Plus Option","page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#c-option-1-life-secure-option-option-2-life-secure"}],"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 says the Policy Term is mentioned in the Policy Schedule, but does not print a product-level term range in the extracted clauses.","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":"Death claims must be notified immediately in writing. Any delay in notifying must be substantiated to the insurer's satisfaction.","display":"Notify death immediately in writing; delay must be substantiated","note":null,"quote":"Notice of Claim | – All cases of death must\nbe notified immediately to us in writing. However, any delay in notifying shall require to be substantiated to Our satisfaction.","sources":[{"clause":null,"heading":"4.10. CLAIM PROCEDURES","page":22,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#c-4-10-claim-procedures"}],"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 like Municipal Corporation","Medical Records (Admission Notes, Discharge/Death Summary, Indoor Case Papers, Test Reports etc)","Claimant's Photo ID with age proof & relationship with the Insured along with Address proof of the claimant and Cancelled cheque","If no nomination - Proof of legal title to the claim proceeds","If Death due to Accident or unnatural death: Copy of the First Information Report (FIR) or Panchanama/Police complaint/Inquest","If Death due to Accident or unnatural death: Copy of Post-Mortem report (PMR)/Autopsy and Viscera report","If Death due to Accident or unnatural death: Copy of the Final Police Investigation report (FPIR)/Charge sheet"],"display":"Death claim form, physician statement, death certificate, medical records, claimant ID/address/bank proof, legal title if no nomination, and police/post-mortem/final investigation papers for accidental or unnatural death","note":null,"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 and any appropriate forms as required by us local government body like must be completed and furnished to us, at the Municipal Corporation claimant’s expenses ... c) Medical Records (Admission date the Insured event happens, unless specified\nNotes, | Discharge/Death\notherwise. A list of primary claim documents Summary, Indoor Case Papers, listing the normally required documents is Test Reports etc)1 ... d) Claimant's Photo ID with age advance, to enable us release the maturity payout on or before the Maturity Date: proof & relationship with the\n- NEFT Form; Insured along with Address proof ... If no nomination - Proof of legal\nNotetitle 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":null,"heading":"Claim","page":22,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#c-claim"}],"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 instant payout on death, after completion of a waiting period of 3 Policy Years from inception or revival and if the policy is in force, 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":"Instant death payout of INR 3 Lakhs within 1 working day from claim registration date; remaining Sum Assured after claim investigation","note":"This is an accelerated instant payout feature, not a promise that the full death claim will be settled within 1 working day.","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-110n171v14/document/16627#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Register the grievance with Tata AIA through its helpline, complaint email, online 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 before approaching IRDAI or the Insurance Ombudsman.","display":"First complain to Tata AIA customer service; escalate to the Grievance Redressal Officer if not satisfied or no response","note":"The policy also says the company will provide an equitable resolution within 14 days of receipt of the grievance.","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)","sources":[{"clause":"6.9.1","heading":"Resolution of Grievances","page":31,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#c-6-9-1"},{"clause":"6.9.2","heading":"Escalation Mechanism","page":31,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#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 is shown in the Policy Schedule, but the extracted clauses do not print a minimum or maximum life cover.","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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 for the base benefit option and Life Stage or Top-up SA if opted and applicable, provided the Life Insured survives to maturity and the policy is not terminated earlier; Joint Life Secure Plus pays the same if both Life Insureds survive to maturity.","display":"No maturity benefit for Life Secure/Joint Life Secure; 100% of Total Premiums Paid for Life Secure Plus/Joint Life Secure Plus","note":null,"quote":"In case the Life Insured survives till the Date of Maturity, no additional benefit is payable, and the Policy shall terminate. ... i) 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. ... ii) 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":null,"heading":"Option 1: Life Secure Option Option 2: Life Secure Plus Option Option 3: Joint Life Secure Option Option 4: Joint Life Secure Plus Option","page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#c-option-1-life-secure-option-option-2-life-secure"},{"clause":"5(i)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#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-110n171v14/document/16627#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 says the Premium Payment Term is mentioned in the Policy Schedule, but the extracted clauses do not print the available year ranges.","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":"The extracted clauses do not state the maximum age at which cover ends.","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, if death by suicide occurs within 12 months from commencement of risk or revival, the nominee or beneficiary is entitled to at least 80% of Total Premiums Paid till death or the surrender value available on the date of death, whichever is higher, provided the policy is in force. For Joint Life Secure and Joint Life Secure Plus, if either or both lives die by suicide within 12 months from commencement or revival, the same 80% of Total Premiums Paid till earlier death or surrender value, whichever is higher, is payable provided the policy is in force.","display":"Within 12 months: at least 80% of Total Premiums Paid or surrender value, whichever is higher, if in force","note":"Separate suicide wording applies to Life Stage tranches and to Waiver of Premium on Husband’s Death.","quote":"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":null,"heading":"4.3. EXCLUSION 4.3.1 SUICIDE EXCLUSION","page":20,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#c-4-3-exclusion-4-3-1-suicide-exclusion"},{"clause":"6(ii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#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":"For Life Secure and Joint Life Secure, surrender pays Unexpired Risk Premium Value: zero for Regular Pay, payable for Limited Pay only if at least 2 years of premiums have been paid, and for Single Pay any time after the premium is paid. For Life Secure Plus and Joint Life Secure Plus, surrender value is available after completion of one policy year with one full year’s premium paid for Limited/Regular Pay policies with PPT at least 5 years, and immediately for Single Pay and for Limited/Regular Pay with PPT less than 5 years; the value is the higher of GSV and SSV.","display":"Life Secure/Joint Life Secure: Unexpired Risk Premium Value; Plus options: higher of GSV and SSV","note":null,"quote":"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 ... Life Secure, and Joint Life Secure - Any time after the premium is paid or ... 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":29,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#c-6-7-ii"},{"clause":"Annexure XXX","heading":null,"page":29,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#c-annexure-xxx"},{"clause":null,"heading":"Risk Premium Value Factor (URPVF)","page":29,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#c-risk-premium-value-factor-urpvf-2"}],"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":"A lapsed policy 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 all overdue premiums with interest.","display":"Within five years after the due date of the first unpaid premium, before maturity","note":null,"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) Your written\nyear | s’ | applicabl e)\napplication for revival; (ii) production of\ns’ | pre\nInsured’s current health certificate and other\npremi | miu\nevidence of insurability satisfactory to Us; (iii)\num | m\npayment of all overdue premiums with interest.","sources":[{"clause":"6.5","heading":"REVIVAL","page":25,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#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":"No policy loan","note":null,"quote":"Loan is not available under this Policy.","sources":[{"clause":"6.6","heading":"LOAN","page":26,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#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","Instant Payout on Claim Intimation","Super Retirement Benefit","Premium Holiday due to Pregnancy","Child Education Protect","Waiver of Premium on Husband’s Death"],"display":"Additional options include Dependent Care, Life Stage, Top-Up SA, Education Secure, Renewability at Maturity, Cover Continuation, Flexi Pay, Instant Payout, Super Retirement, Premium Holiday due to Pregnancy, Child Education Protect and Waiver of Premium on Husband’s Death","note":"These are described in the wording as Other Additional Options or features; no separately named rider UINs are printed in the extracted clauses.","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: ... g) Instant Payout on Claim Intimation ... h) Super Retirement Benefit ... i) Premium Holiday due to Pregnancy ... j) Child Education Protect ... k) Waiver of Premium on Husband’s","sources":[{"clause":"3.1(II)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#c-3-1-ii"},{"clause":null,"heading":"2. Cover Enhancement Options","page":7,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#c-2-cover-enhancement-options"},{"clause":"3.1(II)(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#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-110n171v14/document/16627#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-110n171v14/document/16627#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-110n171v14/document/16627#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-110n171v14/document/16627#c-3-1-ii-e"},{"clause":"3.1(II)(f)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#c-3-1-ii-f"},{"clause":"3.1(II)(g)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#c-3-1-ii-g"},{"clause":"3.1(II)(h)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#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-110n171v14/document/16627#c-3-1-ii-i"},{"clause":"3.1(II)(j)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#c-3-1-ii-j"},{"clause":"3.1(II)(k)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#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 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 questioned for fraud, or for material misstatement or suppression, with written communication of the grounds and materials; for non-fraud misstatement the premium collected is paid within 90 days from repudiation.","display":"After 3 years, policy cannot be questioned on any ground; within 3 years for fraud or material misstatement with reasons","note":null,"quote":"No Policy of Life Insurance shall be called in\nquestion 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 ... For this, the insurer should communicate in writing to the Life Assured or legal representative or nominee or assignees of insured, as applicable, mentioning the ground and materials on which such decision is based. ... Life insurance Policy can be called in question\nwithin 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 ... In case repudiation is on ground of mis\nstatement and not on fraud, the premium collected on policy till the date of repudiation shall be paid to the Life Assured or legal representative or nominee or assignees of insured, within a period of 90 days from the date of repudiation.","sources":[{"clause":"01","heading":"No Policy of Life Insurance shall be called in","page":42,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#c-01-3"},{"clause":"02","heading":"On the ground of fraud, a policy of Life","page":42,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#c-02-3"},{"clause":"06","heading":"Life insurance Policy can be called in question","page":42,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#c-06-3"},{"clause":"07","heading":"In case repudiation is on ground of mis","page":43,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#c-07-3"}],"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 that premiums, charges and interest are exclusive of applicable taxes and 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":null,"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":null,"heading":"4.14. FREE LOOK PERIOD","page":24,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#c-4-14-free-look-period"}],"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 for all other modes; 15 days for monthly mode","note":"The definition says this is except Single Pay.","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":25,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#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":"The extracted clauses do not state the minimum and maximum entry age.","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 PREMIUM PAYMENT","page":25,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#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 ... 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.","sources":[{"clause":"3.1(II)(f)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#c-3-1-ii-f"},{"clause":"Annexure XXX","heading":null,"page":29,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#c-annexure-xxx"},{"clause":null,"heading":"Risk Premium Value Factor (URPVF)","page":29,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627#c-risk-premium-value-factor-urpvf-2"}],"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 110N171V03 T&C","pages":19,"fetched_at":"2026-10-17 20:13:45+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-110N171V03-TandC.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16620"},{"kind":"wording","label":"Maha Raksha Supreme Select 110N171V14 T&C","pages":45,"fetched_at":"2026-10-17 20:13:53+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/pdf/download-centre/english/withdrawn-plans/tata-aia-maha-raksha-supreme-select/MRSS-V14-Policy-Document.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14/document/16627"}],"versions":[{"uin":"110N171V03","version":null,"approved_on":null},{"uin":"110N171V14","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 110N171V14), IndiaInsurances, https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v14"}