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Bajaj Allianz Smart Protect Goal vs TATA AIA Maha Raksha Supreme

How we score
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01 Claims Experience
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
% of Complaints received on overall claims
% customers unhappy with claims experience
How complex is the Claim Form?
The longer, the more hassles during claims
Moderately Long
Moderately Long
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02 Customer Service
Response time on Toll-Free BETA
How long does it take for the caller to connect with an customer service agent over toll-free?
Response time on Twitter BETA
How quickly does a user get a response on complaint Tweets?
% of Complaints received for after-sales service
% customers unhappy with after-sales service
03 product benefits
Increasing Cover
Cover starts increasing from
2nd Year onwards
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How much can the cover increase every year?
5%/ 8%/ 10%
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Cover can increase up to
2x of base cover
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Claim Payout Customization
Options for claim payout
Options available to customize claim payment to your nominee
One time
One time
Premium Payment Customizations
Payment modes available to pay the premium
Frequency in which you can pay premium - monthly, yearly installments?
Monthly, Quarterly, Half Yearly, Yearly
Monthly, Quarterly, Half Yearly, Yearly
Options to pay off premiums before maturity age
Types of Limited pay options available
5, 10, 15, 20, 25, 30 Years
5, 10, 12 Years
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  1. Beshak Ratings data was last updated in the month of March 2021 and will be updated on a quarterly basis.
  2. All data was sourced from public disclosures (FY 2019-2020), insurer websites and IRDAI website.
  3. Only those features that users can currently buy online were considered for calculating the Beshak Ratings.
  4. We do not display premium amounts - we only show the relative pricing of the product compared to the median in the Premium Ratings.
  5. Premium Ratings are calculated for the following profile: 30 year old, non-smoker, married male, for a sum assured of INR 1 Crore, up-to the age of 65 years, paying premiums yearly, till the end of the policy.
  6. Premium is not a part of Beshak Ratings, as we find affordability of premium to be a personal thing. Something that seems unaffordable or expensive to one person, could seem cheap and affordable to someone else, irrespective of their incomes. We leave it to our users to take the final call about whether the price they pay seems fair for the features they get.
  7. The Response time on Twitter (Beta) was calculated based on a sample set of tweets in the months June, August and October 2020 (Analyzed in July, September and November 2020 respectively)
  8. Claims Experience was measured based on an audit of various processes and facilities offered by the insurer, during claim settlement.
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Compare Bajaj Allianz Smart Protect Goal and TATA AIA Maha Raksha Supreme

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