TATA AIA Sampoorna Raksha Supreme is a highly customizable term insurance plan that provides comprehensive financial protection and flexible death benefits for your loved ones. It offers whole life coverage up to age 100, critical illness options, and return of premium features.
However, Sampoorna Raksha Supreme is no longer the primary active retail term plan sold by TATA AIA. It has been effectively replaced by TATA AIA Sampoorna Raksha Promise, which offers enhanced features like Instant Payout, Flexi Pay, Life Stage cover enhancement, and Rolling Limited Pay.
This guide is for anyone who wants to learn more about the features of TATA AIA Sampoorna Raksha Supreme.
TATA AIA Life Insurance is one of the more well-known private life insurers in India, backed by the Tata Group (51%) and the AIA Group (49%). The insurer recorded an annual business volume of ₹9,253 crore and paid out ₹1,029.9 crore in death claims during FY 2022-25 (average).
TATA AIA Sampoorna Raksha Supreme (UIN: 110N160V06) is one of the retail plans offered by the insurer. However, it is no longer available on the official website, though it might still be sold offline through certain channels.
This guide discusses the benefits and limitations of this TATA AIA term insurance plan in detail.
Death Benefit Options: The plan allows you to choose from multiple death benefit options, including Life Option, Life Plus Option, Life Income, and Credit Protect.
Whole Life Coverage: You can opt for whole life coverage, which keeps the policy active until age 100.
Flexible Death Benefit Payout: The death benefit can be received as a lump sum, a monthly income for up to 60 months, or a combination of both.
Life Stage Option: You can increase your life cover at important milestones, such as marriage, childbirth, or other major life events.
Top-Up Option: The plan allows you to increase the sum assured through top-ups, enhancing your coverage over time.
Inbuilt Payor Accelerator Benefit: In the event of a terminal illness diagnosis, the plan advances 50% of the basic sum assured to meet immediate financial needs.
Income Payout: You can choose to receive income payouts starting at age 55, 60, or 65 for added financial support in later years.
Medical Support Services: The plan provides access to second medical opinions, consultations, and personal medical case management services.
Optional Riders: You can enhance your protection by adding any of the two optional riders available with the plan: Comprehensive Protection rider and Comprehensive Health rider.
CTA
Eligibility and Key Parameters
Feature
Details
Entry Age
18 to 55/60/65 years (depending on the plan variant)
Maximum Maturity Age
100 years (95 years for Credit Protect)
Minimum Sum Assured
₹1 lakh
Maximum Sum Assured
No limit (depends on underwriting)
Premium Payment Term
Regular, single, and limited pay (customizable)
Premium Payment Mode
Single, yearly, half yearly, quarterly, monthly
Quick Note: While the older Raksha Supreme term plan is no longer available for purchase, the insurer currently offers a similar product, TATA AIA Smart Sampoorna Raksha Supreme, under its Active Wealth variant. However, this is not a pure term plan. It is a Unit Linked Insurance Plan (ULIP) that combines life cover with market-linked investment options, so buyers should not confuse it with the earlier Raksha Supreme term insurance plan.
Should You Buy TATA AIA Sampoorna Raksha Supreme?
Pros
Cons
Strong insurer with 99.41% Claim Settlement Ratio (CSR) in FY 2024-25 and a 3-year average of 99.21%.
No longer the primary active retail plan sold by TATA AIA.
In-built terminal illness benefit covering 50% of the sum assured.
The Life Plus variant costs significantly more for poor investment returns.
Life stage cover increases without fresh medicals.
The Credit Protect option has a reducing cover and is not suited for income replacement.
Key Note: Existing policyholders of TATA AIA Sampoorna Raksha Supreme who have already purchased it and are covered under it can continue without any issues. The premiums are also locked in for the entire duration. Another thing to remember, term insurance plans cannot be ported or migrated.
TATA AIA Samoorna Raksha Supreme vs Raksha Promise: Key Differences
Product Name
Product Type
What Readers Should Know
TATA AIA Sampoorna Raksha Supreme
Older term insurance product
Tata AIA lists Sampoorna Raksha Supreme T&C documents with UINs 110N160V01 to V05 as withdrawn. V06 is the current version (though not actively offered).
TATA AIA Sampoorna Raksha Promise
Current pure-risk term plan
This is the plan that policyholders are more likely to be quoted today. It includes features such as instant death benefit, FlexiPay, a return of premium option, whole-life cover, and a women’s discount.
Premium Comparison
Profile
TATA AIA Sampoorna Raksha Promise
Axis Max Life Smart Term Plan Plus
HDFC Life Click2Protect Supreme Plus
25, Male
₹18,059
₹17,222
₹19,719
25, Female
₹15,350
₹14,640
₹16,671
30, Male
₹21,312
₹20,656
₹25,153
30, Female
₹18,114
₹17,558
₹21,380
For this example, we’ve considered the premiums for TATA AIA Sampoorna Raksha Promise (the alternate plan), Axis Max Smart Term Plan Plus, and HDFC Life Click2Protect Supreme Plus (Ditto’s top recommendations). These are healthy profiles of non-smoking, salaried individuals living in a tier-1 city like Delhi (pin code: 110001), with a sum assured of ₹2 crore until the age of 65.
Why Choose Ditto for Term Insurance?
At Ditto, we’ve assisted over 8,00,000 customers with choosing the right insurance policy. Why customers like Aaron below love us:
No-Spam & No Salesmen
Rated 4.9/5 on Google Reviews by 15,000+ happy customers
Ditto’s Verdict on Tata AIA Sampoorna Raksha Supreme
While the Sampoorna Raksha Supreme plan is not officially withdrawn, TATA AIA is no longer selling it. If you are applying fresh today, we recommend going for TATA AIA Sampoorna Raksha Promise, its alternative plan.
It provides a sum assured of ₹50 lakh with an Instant Payout option of ₹3 lakh within 1 working day of claim registration. Meanwhile, the Flexi Pay option allows you to defer premiums for up to 12 months while keeping your coverage active.
Is TATA AIA Sampoorna Raksha Supreme still available to buy in 2026?
TATA AIA Sampoorna Raksha Supreme is no longer the insurer's primary active retail term plan. It has been replaced by a new plan, TATA AIA Sampoorna Raksha Promise, which offers enhanced features including Instant Payout, Flexi Pay, and Life Stage cover enhancement. Earlier versions (V01 to V05) have also been formally withdrawn. If you are applying fresh today, you will most likely be quoted the Raksha Promise. Existing TATA AIA Sampoorna Raksha Supreme policyholders can continue their coverage without any issues, and their premiums remain locked in for the full duration.
What is the difference between TATA AIA Sampoorna Raksha Supreme and Sampoorna Raksha promise?
Sampoorna Raksha Supreme is an older plan that is no longer actively sold through TATA AIA's official website. Its replacement, TATA AIA Sampoorna Raksha Promise, adds several modern features, including an Instant Payout of up to ₹3 lakh paid within 1 working day of claim registration, a Flexi Pay option that lets you defer premiums for up to 12 months while keeping coverage active, and rolling limited pay options. At Ditto, we recommend the Sampoorna Raksha Promise for new buyers within the TATA AIA ecosystem.
What is the claim settlement ratio of TATA AIA life insurance?
TATA AIA’s 3-year average CSR for FY 2022-25 stands at 99.21%, making it one of the highest performing private life insurers in India. At Ditto, we consider the CSR trend, complaint volume, and the amount settlement ratio together when evaluating an insurer. TATA AIA's consistently strong CSR is a meaningful indicator of claims reliability, which is the most important factor when choosing a term insurer. It places comfortably above the industry average of 98.66%. For more information, refer to our guide on TATA AIA life insurance review.
What is the Life Plus option in TATA AIA Sampoorna Raksha Supreme?
The Life Plus option in TATA AIA Sampoorna Raksha Supreme is a variant that includes a return of premium (ROP) feature at maturity. Under this variant, an amount equal to 105% of the total premiums paid, excluding loading for modal premiums, is payable at the end of the policy term. This applies only if the life assured survives till maturity and the policy is not terminated earlier. At Ditto, we generally do not recommend ROP plans because they cost 60%-100% more than regular term plans for the same coverage.
What is the payout accelerator benefit in TATA AIA Sampoorna Raksha Supreme?
The Payout Accelerator benefit in TATA AIA Sampoorna Raksha Supreme is an in-built terminal illness feature. If the life assured is diagnosed with a terminal illness during the policy term, the plan advances 50% of the basic sum assured to the policyholder immediately. It allows the family to access funds while the insured is still alive, helping them manage medical costs and financial needs without waiting for a death claim. This feature is available across plan options and does not require an additional premium. The remaining sum assured is then paid to the nominee upon the life assured's death.
Is TATA AIA Sampoorna Raksha Supreme a good plan for critical illness cover?
TATA AIA Sampoorna Raksha Supreme offers optional critical illness (CI) protection through two riders: the Comprehensive Protection rider and the Comprehensive Health rider. These are add-ons and not built into the base plan. At Ditto, we recommend evaluating whether the rider coverage aligns with your specific health risk profile. For buyers who want strong inbuilt critical illness cover, plans like HDFC Life Click2Protect Supreme Plus or Axis Max Life Smart Term Plan Plus, which Ditto considers top recommendations with a ₹2 crore cover, may offer better-integrated CI features at comparable premiums.
What is the difference between TATA AIA Smart Sampoorna Raksha Supreme and Sampoorna Raksha Supreme?
These are two completely different products, and buyers frequently confuse them. TATA AIA Sampoorna Raksha Supreme is an older pure-risk term insurance plan that is no longer actively sold. TATA AIA Smart Sampoorna Raksha Supreme is a Unit-linked Insurance Plan (ULIP) that combines life cover with market-linked investment options. At Ditto, we do not recommend ULIPs for most buyers because insurance and investment are best kept separate to optimize outcomes on both fronts. For more details, refer to our guide on ULIP vs term insurance.
What are the death benefit payout options in TATA AIA Sampoorna Raksha Supreme?
TATA AIA Sampoorna Raksha Supreme offers four plan options: Life Option (lump-sum death benefit), Life Plus Option (lump-sum with return of premiums at maturity), Life Income (lump-sum plus monthly income payouts), and Credit Protect (a reducing cover designed to cover outstanding loan amounts). The death benefit can be received as a lump sum, in monthly installments for up to 60 months, or as a combination of both. The Credit Protect option is designed for loan coverage and features a decreasing sum assured, making it unsuitable as a standalone income replacement tool.
Last updated on:
Need a human touch?
Our advisors are here to help you pick the right plan.
Our advisors are here to help you pick the right plan.
