{"uin":"110N173V03","name":"Tata AIA Group Sampoorna Raksha Supreme","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03","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":"group-life","category_name":"Group and credit life","irdai_type":"Product","kind":"product","status":"active","approved_on":"2024-06-08","withdrawn_on":null,"summary":"Tata AIA Group Sampoorna Raksha Supreme is a non-linked, non-participating group protection-oriented life insurance plan for employer-employee and non-employer-employee groups. It pays the applicable sum assured on death during the coverage term and allows level or reducing cover with optional benefits such as critical illness, accident, hospital cash and waiver benefits.","analysis":{"state":"machine","analysed_at":"2026-10-20 01:43:38.974292+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":"not-stated","value":null,"display":null,"note":"The documents describe coverage options and optional benefits, but do not name separate plan variants.","quote":null,"sources":[],"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":null,"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":"not-stated","value":null,"display":null,"note":"The policy says claims must be notified in writing, but does not state a deadline for intimation.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Non-investigative claims are to be settled within 15 days from receiving all documents. If further investigation is required, the time stated is 45 days from claim intimation.","display":"15 days from receiving all documents; 45 days from claim intimation if investigation is required","note":"The policy wording itself refers to extant regulatory timelines; the CIS gives the specific times.","quote":"Turn Around Time (TAT) for claims settlement and brief procedure : 15 days from receiving all the documents, for non investigative claims 45 days from the day of the claim intimation, if further investigation required.","sources":[{"clause":"37","heading":"Ear or body piercing and tattooing or treatment needed as a result of any of","page":14,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16202#c-37"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Suicide within 12 months, for schemes other than compulsory employer-employee groups","Terminal Illness benefit caused directly or indirectly by intentional self-inflicted injury or attempted suicide","Any Illness, sickness or disease other than specified Critical Illnesses/Disability","Any Pre-existing Disease or any complication arising therefrom","Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","intentional self-injury, suicide or attempted suicide","foreign invasion, act of foreign enemies, hostilities, warlike operations, civil war, rebellion or military power","ionizing radiation or contamination by radioactivity, nuclear, chemical or biological attack","professional hazardous or adventure sports","flying activity except as a bona fide, farepaying passenger of a recognized airline","specified disease/procedure waiting period","pregnancy and its related complication, childbirth including caesarean section"],"display":"Suicide and terminal-illness exclusions; optional benefit exclusions include pre-existing disease, substance abuse, self-injury, war, nuclear/chemical/biological risks, hazardous sports, flying, waiting periods and pregnancy-related treatment","note":"Most exclusions listed after suicide apply only to optional benefits such as terminal illness, critical illness, cancer, disability, hospital cash or surgical cash.","quote":"For all schemes other than those covering Employer- Employee groups on a compulsory basis, if the Insured Member commits suicide, whether sane or insane, within 12 months ... The Insured Member will not be entitled to any Terminal Illness benefit if it is caused directly or indirectly due to or occasioned, accelerated or aggravated by intentional self-inflicted injury or attempted suicide ... 1. Any Illness, sickness or disease other than those specified as Critical Illnesses/Disability under this Policy;\n2. Any Pre-existing Disease or any complication arising therefrom. ... 3. Any Critical Illness or Disability caused due to treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... 5. Any Critical Illness or Disability caused due to intentional self-injury, suicide or attempted suicide ... 6. Any Critical Illness or Disability caused by or arising from or attributable to a foreign invasion, act of foreign enemies, hostilities, warlike operations ... 7. Any Critical Illness or Disability caused by ionizing radiation or contamination by radioactivity from any nuclear fuel ... nuclear, chemical or biological attack. ... 9. Any Critical Illness or Disability caused by any treatment necessitated due to participation as a professional in hazardous or adventure sport ... 10. Participation by the Insured Person in any flying activity, except as a bona fide, farepaying passenger of a recognized airline on regular routes and on a scheduled timetable. ... Specified disease/procedure waiting period ... Any treatment arising from or traceable to pregnancy and its related complication, childbirth including caesarean section.","sources":[{"clause":"6.7.1","heading":"Suicide Exclusion","page":17,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-6-7-1"},{"clause":"6.7.2","heading":"Terminal Illness Exclusion","page":17,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-6-7-2"},{"clause":null,"heading":"Permanent Exclusions for Critical Illness, Cancer","page":44,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-permanent-exclusions-for-critical-illness-cancer"},{"clause":"Row 1(b)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-row-1-b-5"},{"clause":"14","heading":"Specified disease/procedure waiting period","page":49,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-14-4"},{"clause":"4","heading":"Any treatment arising from or traceable to","page":48,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-4-9"}],"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":"Customers may first register grievances with Tata AIA through the helpline, email, online policy account, branches/CAMS service centers, agent/distributor or by writing to the Customer Service Department. If dissatisfied or there is no response within the stipulated timeline, they may escalate to the Grievance Redressal Officer at GRO@tataaia.com before approaching IRDAI or the Ombudsman.","display":"First complain to Tata AIA customer service; escalate to GRO@tataaia.com 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 ... All Tata AIA Life branches have a Grievance Redressal Officer who can be contacted for any support during the grievance redressal process. ... In case customers are not satisfied with the resolution provided by the Company, 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":null,"heading":"7.2. GRIEVANCE REDRESSAL PROCEDURE 7.2.1. Resolution of Grievances","page":21,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-7-2-grievance-redressal-procedure-7-2-1-resoluti"},{"clause":null,"heading":"7.2.2. Escalation Mechanism","page":22,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-7-2-2-escalation-mechanism"}],"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":null,"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":"On death of an insured member during the coverage term while cover is in force, the sum assured is payable as per the chosen coverage option. If the sum assured is linked to a loan, the outstanding loan amount may be paid to the master policyholder or nominee and any balance to the nominee or beneficiary, depending on the lender-borrower arrangement.","display":"Applicable Sum Assured on death during the Coverage Term, subject to the chosen level or reducing coverage option","note":"Coverage may be level or reducing; joint-life and loan-linked payment rules can change who receives the money.","quote":"Upon death of an Insured Member during the Coverage Term provided the coverage is in force, the Sum Assured shall be payable. The Sum Assured payable on Death will be as per the Coverage Option chosen by You. ... The payment of benefits shall be made to the Master Policyholder to offset the outstanding on Insured Member’s loan account with the Master Policyholder ... Any balance Sum Assured remaining subsequent to this payment, shall be paid via the Policyholder or directly to the Insured Member’s nominee","sources":[{"clause":"3(I)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-3-i"},{"clause":"3(VI)(a)","heading":"Where Policyholder","page":7,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-3-vi-a-2"}],"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":"Maturity benefit is not applicable for several optional benefits. For base death benefit and specified accident or terminal illness benefits, it is payable at maturity only if the Return of Balance Premium Option is chosen, as X times total premiums paid towards that benefit less claim amount already paid, with X chosen at inception between 10% and 100%.","display":"Only with Return of Balance Premium option: X × total premiums paid less claim amount already paid; X is 10% to 100%","note":null,"quote":"Cancer Care/ Cancer Protect/ Major Critical Illness/ Comprehensive Critical Illness/ Hospi Cash Benefit/ Surgical Cash Benefit/ All Cause Total and Permanent Disability/ Waiver of EMI on Hospitalisation/ Waiver of Premium on CI/ Waiver of Premium on Major Surgery/ Waiver of Premium on ATD:\nNot Applicable ... The benefit is payable at Maturity only where Return of Balance Premium Option is chosen at inception. Maturity benefit shall be a X * Total Premiums Paid towards the respective Base/Optional Benefit(s) less claim amount already paid out for the respective Optional Benefit(s). Where X shall be within the range of 10% to 100%","sources":[{"clause":"3(III)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-3-iii"}],"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":null,"quote":null,"sources":[],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum maturity age is 85 years for the base death benefit. Some optional benefits have maximum maturity age 66 years, while accident and terminal illness benefits shown in the table can go to 85 years.","display":"Base death benefit maximum maturity age: 85 years; optional benefits: 66 or 85 years depending on benefit","note":"From the sales brochure; optional-benefit maturity ages vary by benefit.","quote":"Age at Maturity* (Years) | Minimum : 15 years for base death benefit /18 years for optional benefits Maximum maturity age is mentioned in the table below ... Base Death Benefit | 85 ... Cancer Protect | 66 ... Accident Death Benefit | 85 ... Terminal Illness | 85","sources":[{"clause":null,"heading":"Group Sampoorna","page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16270#c-group-sampoorna"}],"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 all schemes other than compulsory employer-employee groups, suicide within 12 months from commencement of risk/effective coverage date or revival pays at least 80% of total premiums paid or the surrender value, whichever is higher, without interest, subject to the policy being in force. Joint-life cases have separate refund and continuation rules.","display":"Other than compulsory employer-employee groups: within 12 months, at least 80% of total premiums paid or surrender value, whichever is higher, without interest","note":"The clause is framed as applying to all schemes other than compulsory employer-employee groups.","quote":"For all schemes other than those covering Employer- Employee groups on a compulsory basis, if the Insured Member commits suicide, whether sane or insane, within 12 months from the Date of Commencement of Risk/ Effective Coverage Date or from the date of revival of the Policy/Insured Member’s coverage, as applicable, the nominee or beneficiary of the Insured Member shall be entitled to the following:\n- Single Life Cover:\nAt least 80% of the Total Premiums Paid (for the coverage of the respective Insured Member) till the date of death or the Surrender Value available, without interest, as on the date of death of the Insured Member, whichever is higher","sources":[{"clause":"6.7.1","heading":"Suicide Exclusion","page":17,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-6-7-1"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"conflicting","value":"Under the policy wording, reduced paid-up applies by default only when base and optional benefits are chosen with Return of Balance Premium and premiums for at least full 2 years have been paid for limited pay or regular pay, with later premiums unpaid. Benefits are payable as the chosen benefit multiplied by the RPU factor, and reduced paid-up maturity benefit is X times total premiums paid less prior claims.","display":"Reduced paid-up after at least full 2 years' premiums for limited/regular pay with Return of Balance Premium; benefit × RPU factor","note":"Policy wording says at least full 2 years. The lower-priority brochure says at least one full year.","quote":"The status of Policy/ Certificate of Insurace will be converted into Reduced Paid-up by default, provided premiums for at least full 2 years is paid for Limited Pay / Regular Pay Optoin both with Return of Balance Premium Option, and subsequent premiums remain unpaid. ... Benefit payable as per the option chosen by You (Under Coverage Option ) x RPU Factor ... The member status will be converted into Reduced Paid-up by default, provided premiums for at least one full year is paid for Limited Pay (With Return of Balance Premium Option) / Regular pay (With Return of Balance Premium Option) option and subsequent premiums remain unpaid.","sources":[{"clause":"4.4.1","heading":"Reduced Paid-Up","page":13,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-4-4-1"},{"clause":"4.4.2","heading":"Benefits under a Reduced Paid-up Policy","page":14,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-4-4-2"},{"clause":"3(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16270#c-3-b-3"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"Revival period is five consecutive complete years from the date of first unpaid premium. Yearly renewable policies have revival rules within 150 days and after 150 days from the yearly renewable term; there is no revival option for single premium.","display":"Five consecutive complete years from first unpaid premium; YRT has 150-day rules; no revival for single premium","note":null,"quote":"“Revival Period” means the period of five consecutive complete years from the date of first unpaid premium. ... I) Revival within 150 days for YRT:\nIf a scheme is renewed within 150 days from the end of the Yearly Renewable Term ... II) Revival after 150 days from Yearly Renewable Term: ... There is no revival option for Single Premium.","sources":[{"clause":"2.1(b)(v)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-2-1-b-v"},{"clause":"4.2(I)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-4-2-i"},{"clause":"4.2(II)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-4-2-ii-2"},{"clause":"4.2(iii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-4-2-iii"}],"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 facility is not allowed under this plan.","display":"No policy loan","note":null,"quote":"Loan facility is not allowed under this Plan.","sources":[{"clause":"4.3","heading":"Loan","page":13,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-4-3"}],"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":["Cancer Protect (Additional/Accelerated)","Cancer Care (Additional/Accelerated)","Major Critical Illness (Additional/Accelerated)","Comprehensive Critical Illness (Additional/ Accelerated)","Accidental Death Benefit (Additional)","Accidental Total and Permanent Disability (Additional/Accelerated)","All cause Total and Permanent Disability (Additional/ Accelerated)","Accidental Partial and Permanent Disability (Additional)","Accidental Dismemberment Benefit (Additional)","Hospital Cash Benefit (Additional)","Surgical Cash Benefit (Additional)","Waiver of EMI on Hospitalization (Additional)","Terminal Illness (Accelerated)","Waiver of Premium on Major Critical Illness","Waiver of Premium on Major Surgery","Waiver of Premium on Accidental Total and Permanent Disability"],"display":"16 optional benefits including cancer, critical illness, accident, hospital cash, surgical cash, terminal illness and waiver benefits","note":"These are described as optional benefits under the base product, not as separate riders.","quote":"Under each of the below cover type, Master Policyholder/Insured Member can opt for one of more of the following sixteen(16) benefit options.:\n1. Cancer Protect (Additional/Accelerated)\n2. Cancer Care (Additional/Accelerated)\n3. Major Critical Illness (Additional/Accelerated)\n4. Comprehensive Critical Illness (Additional/ Accelerated)\n5. Accidental Death Benefit (Additional)\n6. Accidental Total and Permanent Disability (Additional/Accelerated)\n7. All cause Total and Permanent Disability (Additional/ Accelerated)\n8. Accidental Partial and Permanent Disability (Additional)\n9. Accidental Dismemberment Benefit (Additional)\n10. Hospital Cash Benefit (Additional)\n11. Surgical Cash Benefit (Additional)\n12. Waiver of EMI on Hospitalization (Additional)\n13. Terminal Illness (Accelerated)\n14. Waiver of Premium on Major Critical Illness\n15. Waiver of Premium on Major Surgery\n16. Waiver of Premium on Accidental Total and Permanent Disability","sources":[{"clause":"3(II)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-3-ii"}],"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":"The policy states that no life insurance policy can be called in question on any ground after 3 years from the later of issuance, risk commencement, revival or rider date. Within 3 years it can be questioned for fraud or material misstatement, with written communication of grounds and materials; for non-fraud misstatement, premiums collected are to be paid within 90 days of repudiation.","display":"Cannot be questioned after 3 years; within 3 years only on fraud or material misstatement rules, with 90-day premium refund for non-fraud repudiation","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs. from\na) the date of issuance of Policy or\nb) the date of commencement of risk or\nc) the date of revival of Policy or\nd) the date of rider to the Policy whichever is later. ... On the ground of fraud, a Policy of Life Insurance may be called in question within 3 years ... Life Insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life ... In case repudiation is on ground of mis-statement 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","sources":[{"clause":"01","heading":"No Policy of Life Insurance shall be called in","page":26,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-01-2"},{"clause":"02","heading":"On the ground of fraud, a Policy of Life Insurance","page":26,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-02-2"},{"clause":"06","heading":"Life Insurance Policy can be called in question","page":26,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-06-2"},{"clause":"07","heading":"In case repudiation is on ground of mis-statement","page":26,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-07-2"}],"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":"quote-verified","value":"The brochure says premiums may be eligible for tax benefits under Section 80C and life insurance proceeds may enjoy tax benefits under Section 10(10D), subject to prevailing tax laws and conditions, and advises consulting a tax consultant.","display":"Tax benefits under Section 80C and Section 10(10D), subject to prevailing tax laws","note":"From the sales brochure.","quote":"Tax Benefits Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961 and are subject to modifications made thereto from time to time. Moreover, Life Insurance proceeds enjoy tax benefits as per Section 10(10D) of the said Act. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Income Tax laws are subject to change from time to time.","sources":[{"clause":"3(b)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16270#c-3-b-5"}],"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 if policy term is greater than equal to 1 year; 15 days if policy term is less than 1 year","note":"Variant: 15 days where the policy term is less than 1 year.","quote":"You and/or the Insured Member, have a period of 30 (thirty) days whether received electronically or otherwise where the policy term is greater than equal to 1 year and 15 days where the policy term is less than 1 year , from the date of receipt of the Policy/Certificate of Insurance","sources":[{"clause":"4.1","heading":"Free look period","page":12,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-4-1"}],"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":"Not applicable for single pay policy and yearly renewable policies; monthly mode has 15 days.","quote":"A Grace Period of fifteen (15) days for monthly mode and thirty (30) days for all other modes, from the due date will be allowed for payment of each subsequent premium, except in case of Single Pay Policy and yearly renewable policies. The coverage will remain in force during this period. ... Grace Period is not applicable for single premium option.","sources":[{"clause":"3(VI)(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-3-vi-b-2"}],"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":"quote-verified","value":"For yearly renewable cover, minimum entry age is 14 years for base death benefit and 18 years for optional benefits. Base death benefit entry age is 14 to 84 years; optional benefits generally run 14 or 18 to 65 years, except Terminal Illness up to 84 years.","display":"Base death benefit: 14 to 84 years; optional benefits: 14/18 to 65 years, Terminal Illness up to 84 years","note":"From the sales brochure. Entry-age limits vary by benefit.","quote":"For Yearly Renewable, minimum entry age is 14 years for base death benefit and 18 years for all optional benefits. ... Base Death Benefit: | 14 years | 84 years ... Accidental Death Benefit | 14 | 65 ... Major Critical Illness | 18 | 65 ... Terminal Illness | 14 | 84","sources":[{"clause":null,"heading":"Group Sampoorna","page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16270#c-group-sampoorna"}],"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":["Single Pay","Annual","Half- yearly","Quarterly","Monthly"],"display":"Single Pay, Annual, Half-yearly, Quarterly or Monthly","note":null,"quote":"Subject to our minimum Premium requirements, Premiums may be paid on Single Pay, Annual, Half- yearly, Quarterly or Monthly mode at the premium rates applicable on the Coverage Effective Date.","sources":[{"clause":"3(VI)(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-3-vi-b-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","Limited","Regular","Yearly Renewable"],"display":"Single, Limited, Regular and Yearly Renewable","note":"Yearly renewable is shown in the sales brochure.","quote":"A Single/ Limited/ Regular premium is payable in respect of each Insured Member at the time of his enrolment ... Yearly Renewable | Same as Policy Term\nSingle | Single payment at inception\nLimited Pay | 24 months to 240 months\nRegular Pay | 1 months to 480 months","sources":[{"clause":"3(VI)(c)(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-3-vi-c-i"},{"clause":null,"heading":"Group Sampoorna","page":1,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16270#c-group-sampoorna"}],"law":[]},{"key":"cover_basis","label":"Cover basis","section":"Cover","meaning":"Flat cover, salary multiple or loan outstanding.","status":"quote-verified","value":"The product allows level coverage, where the sum assured chosen at inception remains unchanged, and reducing coverage, where it reduces as per the interest rate considered at risk commencement. For employer-employee groups, coverage or insured benefits related to salary may change with salary changes.","display":"Level cover or reducing cover linked to loan interest; employer-employee salary-linked benefits may change with salary","note":null,"quote":"A. Level Coverage: The Sum Assured chosen at inception will remain unchanged throughout the Insured Member’s Coverage Term. B. Reducing Coverage: The Sum Assured chosen at inception will reduce as per the interest rate considered at the time of risk commencement for the member. The loan interest should lie in the range of 0% to 36%. ... Changes in coverage amount is not allowed during the Policy Term, however for Employer-Employee groups, coverage/insured benefits related to salary etc. may change with changes in those underlying parameters.","sources":[{"clause":"3(I)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-3-i"},{"clause":"6.2","heading":"The Policy Contract","page":16,"url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702#c-6-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Group Sampoorna Raksha Supreme 110N173V01 T&C","pages":94,"fetched_at":"2026-10-17 20:13:10+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/pdf/download-centre/english/withdrawn-plans/tata-aia-group-sampoorna-raksha-supreme/Group-Sampoorna-Raksha-Supreme-110N173V01-TandC.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16586"},{"kind":"wording","label":"Policy Document","pages":60,"fetched_at":"2026-10-17 20:15:09+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/life-insurance-plans/group-insurance-solutions/group-sampoorna-raksha-supreme/GSRS-V3-Policy-Document.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16702"},{"kind":"cis","label":"Customer Information Sheet","pages":16,"fetched_at":"2026-10-17 20:05:49+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/new-product-page-images/fg-plus/Tata-AIA%20Group-Sampoorna-Raksha-Supreme-CIS.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16202"},{"kind":"brochure","label":"Brochure","pages":18,"fetched_at":"2026-10-17 20:07:13+00","source_url":"https://www.tataaia.com/content/dam/tataaialifeinsurancecompanylimited/life-insurance-plans/group-insurance-solutions/group-sampoorna-raksha-supreme/GSR-supreme-13-V3-Brochure.pdf","url":"https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03/document/16270"}],"versions":[{"uin":"110N173V01","version":null,"approved_on":null},{"uin":"110N173V03","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 Group Sampoorna Raksha Supreme (UIN 110N173V03), IndiaInsurances, https://indiainsurances.com/policy/tata-aia-life-insurance/tata-aia-group-sampoorna-raksha-supreme-110n173v03"}