📘 Tata AIA Maha Raksha Supreme Select – Full Review & Simple Guide
Tata AIA Maha Raksha Supreme Select is a smart and flexible term life insurance plan designed to protect your family’s future. It offers two variants: Life Secure and Life Secure Plus, giving you the option to choose pure protection or protection with a return of premiums.
✅ Option 1: Life Secure – Affordable Protection
This is a basic term insurance plan. You pay a small premium every year. If something happens to you during the policy term, your nominee receives the full sum assured. No money is returned if you survive.
- Age: 30 years
- Policy Term: 40 years
- Annual Premium: ₹12,000
- Sum Assured: ₹1 Crore
Death at age 50: ✅ Family gets ₹1 Crore
Survives till 70: ❌ No payout
✅ Option 2: Life Secure Plus – Return of Premium
This version offers protection + savings. If you survive the policy term, you get back all premiums paid.
- Age: 30 years
- Policy Term: 40 years
- Annual Premium: ₹20,000
- Sum Assured: ₹1 Crore
Death at age 50: ✅ Family gets ₹1 Crore
Survives till 70: ✅ You get ₹8,00,000 (₹20,000 × 40 years)
🟨 Life Secure vs Life Secure Plus – Key Differences
| Feature | Life Secure | Life Secure Plus |
|---|---|---|
| Death Benefit | ✅ Yes | ✅ Yes |
| Return of Premium | ❌ No | ✅ Yes (All Premiums) |
| Terminal Illness Benefit | ✅ Yes | ✅ Yes |
| Payout Options | Lump Sum / Income | Lump Sum / Income |
| Increase Cover on Life Events | ✅ Yes | ✅ Yes |
| Premium Pause | ❌ Not available | ❌ Not available |
| Quick Claim Payout | ❌ Not specified | ❌ Not specified |
✅ Optional Rider Benefits
Enhance your coverage with the following add-on riders:
- Accidental Death Benefit Rider: Additional payout on accidental death.
- Total & Permanent Disability Rider: Protection against disability from accidents.
- Critical Illness Rider: Lump sum payout on diagnosis of serious illness.
- Waiver of Premium Rider: Premiums are waived on disability or illness.
✅ Core Features of Maha Raksha Supreme Select
- ☑️ Term cover up to age 100
- ☑️ Return of premium (ROP) option
- ☑️ Monthly income or lump sum benefit
- ☑️ Terminal illness coverage
- ☑️ Cover increases when you marry, have a child, or take a home loan
- ☑️ Tax savings under 80C & 10(10D)
🔄 Maha Raksha Supreme Select vs Sampoorna Raksha Promise
| Feature | Maha Raksha Supreme Select | Sampoorna Raksha Promise |
|---|---|---|
| Return of Premium | ✅ In Life Secure Plus | ✅ In Life Promise Plus |
| Quick Claim Payout (₹3L) | ❌ Not mentioned | ✅ Yes |
| Premium Break Option | ❌ No | ✅ Yes (1 year every 5 years) |
| Cover Increase on Life Events | ✅ Yes | ✅ Yes |
| Policy Term Range | 10 to 100 years | Up to 100 years |
| Payout Type | Lump sum or Monthly Income | Lump sum or Monthly Income |
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