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Tata AIA Life Insurance Saat Saath Overview

UIN – 110N123V01

It is a Non-linked, Non-participating Endowment Micro Insurance Plan with return of a pre-specified percentage of "Total Premiums Paid" at maturity.

This plan not only provides you with life cover, but also ensures returns at maturity. You pay premium for 7 years and get life cover for 10 years!

Tata AIA Life Insurance Saat Saath provides attractive returns at specified rates for higher Sum Assured on survival.



Tata AIA Life Insurance Saat Saath Features

  • Life coverage throughout the Policy Term
  • Fixed Policy Term of 10 years
  • Fixed Premium Paying Term of 7 years
  • No medical tests
  • Preferential rates# for Female lives

#A 3 year age set back to male Premium rates are applicable for female lives


Tata AIA Life Insurance Saat Saath Eligibility

Plan Parameters  
Minimum Entry Age 18 years
Maximum Entry Age 50 years
Minimum Basic  Sum Assured Rs. 10,000 (multiples of 1000 thereafter)
Maximum Basic Sum Assured Rs. 200,000
Declaration of health as per proposal form

You may choose to pay your premiums in Annual, Semi-annual, Quarterly, Monthly mode as per your convenience.

Modal loading is as follows:

Frequency Modal Loading
Annual Premium Rate No loading
Semi-Annual Premium Rate Multiply Annual Premium Rate by 0.51
Quarterly Premium Rate Multiply Annual Premium Rate by 0.26
Monthly Premium Rate  Multiply Annual Premium Rate by 0.0883



  • This product is underwritten by Tata AIA Life Insurance Company Ltd.
  • Insurance cover is available under this product
  • Buying a Life Insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premium paid.
  • Tax benefits and liabilities under the Policy are subject to prevailing tax laws. Tax laws and the benefits arising thereunder are subject to change. The Policyholder is advised to seek an opinion of tax advisor in relation to the tax benefits and liabilities applicable
  • This product will be offered only to Standard lives
  • All Premiums are subject to applicable taxes, cesses & levies which will entirely be borne by the Policyholder and will always be paid by the Policyholder along with the payment of Premium. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder. Alternatively, Tata AIA Life Insurance Company Limited has the right to deduct the amount from the benefits payable by Us under the Policy.

INDUSIND Bank Limited (CA0001) is the Corporate Agent of Tata AIA Life Insurance Company Limited and does not underwrite the risk or act as an insurer. INDUSIND Bank Limited, 2401, Gen. Thimmayya Rd., (Cantonment), Pune - 411001. Participation by the Bank’s clients in the insurance products is purely on a voluntary basis. The contract of insurance is between Tata AIA Life and the insured and not between the bank and the insured.

Beware of Spurious Phone calls and Fictitious/Fraudulent offers:
IRDA of India clarifies to public that

  • IRDA of India or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.
  • IRDA of India does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.
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  • Daily balance upto Rs.10 Lakhs 4 %
  • Daily balance above Rs.10 Lakhs and upto Rs.1 Crore 5 %
  • Daily balance above Rs.1 Crore and upto Rs 10 Cr 5.5 %
  • Daily balance above Rs.10 Crore 6 %

  • 1 year to 1 year 2 months 7 %
  • Indus Tax Saver Scheme - 5 years (upto Rs 1.5 lacs) 6.5 %
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