{"uin":"110N171V15","name":"Tata AIA Maha Raksha Supreme Select","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v15","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":"2024-03-04","withdrawn_on":null,"summary":"This 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. Death benefit can be paid as lump sum, staggered benefit or both, and the Plus options pay 100% of Total Premiums Paid at maturity if the stated conditions are met.","analysis":{"state":"machine","analysed_at":"2026-10-19 23:50:21.785017+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-110n171v15/document/16624#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 only says the policy term is mentioned in the Policy Schedule; the schedule is not included in the provided 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. Proof of claim and required forms must be furnished within 90 days after the insured event, unless specified otherwise.","display":"Notify immediately; proof within 90 days after the insured event","note":null,"quote":"Notice of Claim | – All cases of death must\nbe notified immediately to us in writing. ... Filing Proof of Claim – Affirmative proof of loss 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":null,"heading":"4.10. CLAIM PROCEDURES","page":22,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v15/document/16624#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":["Death Certificate","Cancelled Cheque / Bank account de-tails","claim intimation form","KYC of nominee","Policy document","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","Medical Records","Claimant's Photo ID with age proof & relationship with the Insured along with Address proof","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#"],"display":"Death certificate, bank details/cancelled cheque, claim form, KYC, policy document, death claim forms, physician statement, medical records, claimant ID/address proof, and additional police/post-mortem documents for accidental or unnatural death","note":"The insurer may ask for additional documents if required.","quote":"Documents required for Claim Intimation: Death Certificate, Cancelled Cheque / Bank account de-tails, claim intimation form, KYC of nominee and Policy document ... 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 ... c) Medical Records ... d) Claimant's Photo ID with age submit below documents sufficiently in proof & relationship with the advance, to enable us release the maturity Insured along with Address proof ... 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":"3.1(II)(g)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v15/document/16624#c-3-1-ii-g"},{"clause":null,"heading":"4.10. CLAIM PROCEDURES","page":22,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v15/document/16624#c-4-10-claim-procedures"}],"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 policies, an accelerated instant death benefit of INR 3 Lakhs from the Effective Sum Assured is paid within 1 working day from claim registration date. The remaining Sum Assured is payable after completion of claim investigation; the wording does not state a full claim settlement timeline.","display":"Instant payout of INR 3 Lakhs within 1 working day from claim registration date; balance after claim investigation","note":"Instant payout is available only after completion of a 3 Policy Year waiting period from inception or revival, while the policy is in force, and only for policies with minimum Sum Assured of Rs. 1 Crore.","quote":"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. ... On receipt of intimation of death, a payment of INR 3 Lakh is payable as insta-payment. The balance claim amount shall be payable at the time of claim settlement.","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-110n171v15/document/16624#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":"Complaints can be registered with Tata AIA through its helpline, email, online account, branch/CAMS service centre, agent/distributor or by writing to the Customer Service Department. If not satisfied or no response is received within the stipulated timelines, the customer may 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":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)","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-110n171v15/document/16624#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-110n171v15/document/16624#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 it does not state the product's minimum and 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":"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 the applicable DB multiple x Annualised Premium, 105% of Total Premiums Paid up to date of death, or the absolute amount assured to be paid on death, with the DB multiple 7 for Life Secure and 10 for Life Secure Plus. For Joint Life options, the first death or simultaneous deaths use the same highest-of formula, with DB multiple 7 for Joint Life Secure Plus and 10 for Joint Life Secure option, and simultaneous accidental death of both lives pays an additional amount equal to Effective Sum Assured.","display":"Highest of 1.25 x Single Premium or DB multiple x Annualised Premium, 105% of Total Premiums Paid, or Effective Sum Assured; joint simultaneous accidental death adds Effective Sum Assured","note":"Death benefit is payable as per the Payout Plan selected, and death after a valid Payor Accelerator Benefit claim is reduced by the amount already paid under that benefit.","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) (1) DB multiple is 7 in case of Life Secure and 10 in case of Life Secure Plus ... 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) (1) DB multiple is 7 in case of Joint Life Secure Plus and 10 in case of Joint Life Secure option ... 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":null,"heading":"1. Death Benefit","page":16,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v15/document/16624#c-1-death-benefit"},{"clause":"3.1(II)(b)(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v15/document/16624#c-3-1-ii-b-i"},{"clause":null,"heading":"Secure Plus)","page":17,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v15/document/16624#c-secure-plus"}],"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 have no additional maturity benefit. Life Secure Plus pays 100% of Total Premiums Paid at the end of the Policy Term if the Life Insured survives to maturity and the policy was not terminated earlier; Joint Life Secure Plus pays the same if both lives survive to maturity.","display":"No maturity benefit for Secure options; Plus options pay 100% of Total Premiums Paid at maturity if survival and policy conditions are met","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":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-110n171v15/document/16624#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-110n171v15/document/16624#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-110n171v15/document/16624#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 defines Premium Payment Term as mentioned in the Policy Schedule, but the schedule is not included in the provided clauses.","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 wording does not state the maximum maturity age for the base product.","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, suicide within 12 months from commencement of risk or revival pays at least 80% of Total Premiums Paid till death or the surrender value as on death, whichever is higher, if the policy is in force. For Joint Life Secure and Joint Life Secure Plus, suicide of either or both lives within 12 months pays at least 80% of Total Premiums Paid till the earlier death or the surrender value as on death, whichever is higher, if the policy is in force.","display":"Within 12 months: at least 80% of Total Premiums Paid or surrender value, whichever is higher, if policy is in force","note":"Separate suicide terms apply to increased tranches under the Life Stage option and to the Waiver of Premium on Husband’s Death option.","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; ... 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-110n171v15/document/16624#c-4-3-exclusion-4-3-1-suicide-exclusion"},{"clause":"6(ii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v15/document/16624#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 the surrender benefit. For Life Secure and Joint Life Secure, Regular Pay unexpired risk value is zero, Limited Pay pays Unexpired Risk Premium Value only after at least 2 years of premiums have been paid, and Single Pay can have positive Unexpired Risk Premium Value any time after the premium is paid. For Life Secure Plus and Joint Life Secure Plus, surrender value is higher of GSV and SSV, with eligibility after one policy year and one full year's premium for Limited/Regular Pay policies with PPT at least 5 years, and immediately for Single Pay and PPT below 5 years.","display":"Varies by option; policy terminates on surrender benefit; Plus options get higher of GSV and SSV","note":null,"quote":"The surrender benefit available under the product varies by the Option chosen. The policy will terminate upon payment of this benefit. ... • 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. At other points, Unexpired Risk Premium Value payable on surrender will be zero. ... • Single Pay: Unexpired Risk Premium Value will be equal to Unexpired ... A positive Unexpired Risk Premium Value is payable on surrender –\no 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":29,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v15/document/16624#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-110n171v15/document/16624#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-110n171v15/document/16624#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 overdue premiums with interest.","display":"Within five years after the due date of the first unpaid premium and 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 ... application for revival; (ii) production of ... Insured’s current health certificate and other ... evidence of insurability satisfactory to Us; (iii) ... payment 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-110n171v15/document/16624#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":26,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v15/document/16624#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":"Dependent Care, Life Stage, Top-Up SA, Education Secure, Renewability at Maturity, Cover Continuation, Flexi Pay, Instant Payout on Claim Intimation, Super Retirement Benefit, Premium Holiday due to Pregnancy, Child Education Protect, and Waiver of Premium on Husband’s Death","note":"These are additional product options/features named in the wording; the wording does not name separate rider products.","quote":"1. Dependent Care Option ... 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 ... 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-110n171v15/document/16624#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-110n171v15/document/16624#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-110n171v15/document/16624#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-110n171v15/document/16624#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-110n171v15/document/16624#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-110n171v15/document/16624#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-110n171v15/document/16624#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-110n171v15/document/16624#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-110n171v15/document/16624#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-110n171v15/document/16624#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-110n171v15/document/16624#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-110n171v15/document/16624#c-3-1-ii-k"},{"clause":null,"heading":"Death","page":16,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v15/document/16624#c-death"}],"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 into question on any ground after 3 years from the later of policy issuance, commencement of risk, revival, or rider date. Within 3 years, it may be questioned for fraud or for material misstatement/suppression, with written communication of grounds and materials.","display":"Cannot be questioned after 3 years; within 3 years may be questioned for fraud or material misstatement with written grounds","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 ... 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","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-110n171v15/document/16624#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-110n171v15/document/16624#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-110n171v15/document/16624#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 document only states that applicable taxes, duties, surcharge, cesses or levies are borne by the Policyholder; 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 premiums paid without interest after deducting stamp duty and medical examination cost 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":null,"heading":"4.14. FREE LOOK PERIOD","page":24,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v15/document/16624#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":15},"display":"15 days for monthly mode; 30 days for all other modes","note":"30 days applies for all non-monthly premium payment modes.","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-110n171v15/document/16624#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 wording provided does not state the youngest and oldest entry age for buying the base product.","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-110n171v15/document/16624#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 ... • 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.","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-110n171v15/document/16624#c-3-1-ii-f"},{"clause":"6.7(II)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v15/document/16624#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-110n171v15/document/16624#c-annexure-xxx"}],"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 110N171V02 T&C","pages":17,"fetched_at":"2026-10-17 20:13:38+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-110N171V02-TandC.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v15/document/16613"},{"kind":"wording","label":"Maha Raksha Supreme Select 110N171V15 T&C","pages":45,"fetched_at":"2026-10-17 20:13:51+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-110N171V15-TandC.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v15/document/16624"}],"versions":[{"uin":"110N171V02","version":null,"approved_on":null},{"uin":"110N171V15","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 110N171V15), IndiaInsurances, https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-maha-raksha-supreme-select-110n171v15"}