2- All data was sourced from public disclosures (FY 2023-2024, Q4) except LIC (their FY 2023-2024, Q4 data isn't fully updated, so we have considered their FY 2023-2024, Q3 PD data), insurer websites, and the IRDAI website.

3- Only features that are currently available for purchase online were considered when calculating the Beshak Ratings.

4- In the Premium Ratings, we do not display premium amounts - instead, we show the product's relative pricing compared to the median.

5- Premium for all plans is 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 annual premiums, till the end of the policy. Except for these plans:

・Bajaj Allianz Life Diabetic Term Plan Sub 8 HbA1c - Premium is calculated for a 30-year-old, non-smoker, married male, having Type 2 diabetes, with HbA1c level between 6.5 to 7, for a sum assured of INR 1 Crore, up to the age of 55 years, paying annual premiums for 25 years.

・HDFC Life Click 2 Protect Elite - Premium is calculated for a 30-year-old, non-smoker, married male, for a sum assured of INR 2 Crore, up to the age of 65 years, paying annual premiums for 15 years.

・IndiaFirstLife Guaranteed Protection Plus Plan - Premium is calculated for a 30-year-old, non-smoker, married male, for a sum assured of INR 1 Crore, up to the age of 75 years, paying annual premiums for 40 years.

・TATA AIA Maha Raksha Supreme - Premium is calculated for a 30-year-old, non-smoker, married male, for a sum assured of INR 2 Crore, up to the age of 65 years, paying annual premiums, till the end of the policy.

6- The overall ratings do not include the premium rating. This is because we believe that the affordability of premiums is a personal thing. Something that seems unaffordable or expensive to one person could seem cheap and affordable to another, regardless of their income. We leave it up to our users to decide whether the price they pay seems reasonable for the features they receive.

7- The Response time on Twitter (Beta) was calculated using a sample set of tweets from February to August 2023 - (Analyzed in September 2023).

8- Claims Experience was assessed based on an audit of various processes and facilities offered by the insurers, during claim settlement.

Legal Disclaimer

Your use of the website shall be governed by the Terms and Conditions and Privacy Policy of our website.

Compare TATA AIA Sampoorna Raksha Supreme and India First Life Guaranteed Protection Plus

Claims Track Record:

TATA AIA Sampoorna Raksha Supreme

TATA AIA Life Insurance Company has settled 99.80% of claims in under 30 days, with a fewer number of claim complaints. TATA AIA Life Insurance Company boasts of a claim settlement ratio of 99.01% and a claim amount settlement ratio of 94.65%. The insurance company offers online tracking of claims and a home pick-up claim service. However, it does not offer the benefit of a personal manager for customers or a dedicated toll-free for claims service. It comes with a moderately lengthy claim form.

India First Life Guaranteed Protection Plus

India First Life Insurance Company has settled 99.73% of their claims within 30 days but with a higher number of claim-related complaints, compared to other insurers. Their estimated claim settlement ratio is 97.04%, and their estimated claim amount settlement ratio is 91.10%. And, you can track your claim online. However, there are a few limitations. The company does not offer personal relationship managers for claims, home pickup of claims, or toll-free claim support. They also offer a very long form for claims.

Service Experience:

TATA AIA Sampoorna Raksha Supreme

TATA AIA Life Insurance Company offers customer services via toll-free and Twitter. Our research indicates that their toll-free service is quick, but their Twitter response rate is slow, compared to other insurers. This suggests that you and your family will likely receive better assistance from their service team throughout your journey via their toll-free service.

India First Life Guaranteed Protection Plus

India First Life Insurance Company can be reached via their toll-free number and Twitter. However, the response rate on the toll-free number is slow and Twitter is average, compared to other insurers. This means your family may not get prompt assistance for your queries.

Product Benefits:

TATA AIA Sampoorna Raksha Supreme

The TATA AIA Sampoorna Raksha Supreme Smart Term Insurance Plan offers affordable pricing and several customization options, but it does not include the option to increase the cover amount. The TATA AIA Sampoorna Raksha Supreme Smart Term Insurance Plan provides life cover up to age 100 with several Limited Pay options like 5, 6, 7, 8, and 10 years. You can pay the premiums monthly, quarterly, half yearly, or yearly. The claim payout options under the plan are one time lump sum, monthly instalments, and one time lump sum + monthly instalments.

India First Life Guaranteed Protection Plus

The India First Life Guaranteed Protection Plus Plan offers a wide range of customization options. However, the plan doesn’t have an increasing cover feature. India First Life Guaranteed Protection Plus Plan offers coverage for up to 99 years, with a variety of rolling limited payment options, ranging from 5 to 40 years. Premiums can be paid monthly or annually. You can choose from multiple claim payout options, including one-time lump sum and lump-sum with monthly income option. The India First Life Guaranteed Protection Plus Plan offers only a Waiver of Premium Rider for Critical Illness and Accidental Disability. A rider is an optional add-on that provides extra protection and peace of mind - so you can be fully prepared for anything life may bring.