TATA AIA Maha Raksha Supreme
How we score
INDIA’S FIRST UNBIASED, CONFLICT-FREE INSURANCE RATING
Overall Verdict
This product offers some unique features like door-step claim settlement, and allowing you to pay the first premium only after your proposal is approved. Further, the insurer has an excellent track record with respect to claims & service, meaning your family is very likely to get a smooth claim settlement experience. However, it is also considerably expensive compared to other products in the market. Further, this plan doesn’t allow you to choose some important customizations such as increasing cover and critical illness riders.
Pros
- Claim formalities can be done at your home
- Several Limited Pay options available, to speed up payments
- Received fewer complaints on claim settlement compared to other insurers
Cons
- Much costlier than other products in the market
- Doesn't offer the option to automatically increase your claim amount, with time
- No option to customize claim payouts
- Our study observed their responses on Twitter to be relatively slower than other insurers
Detailed Review
Claims Experience
5/5
Customer Service
3/5
Product Benefits
1.7/5
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
100%
% of Complaints received on overall claims
% customers unhappy with claims experience
0.01%
How complex is the Claim Form?
The longer, the more hassles during claims
Moderately Long
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