tataaia.com Avis 25

Very disappointing experience with Tata AIA. I requested my policy details on 3rd April and even after multiple follow-ups, there has been no response or update. The lack of communication and accountability is frustrating and unprofessional.

When you invest your hard-earned money, you expect at least basic customer service but that clearly isn’t the case here. This delay has made me regret choosing Tata AIA.

Would not recommend their services based on my experience.

When I just invited them to understand the policy and later decide to take any one policy but the executive is continuously forcing me to just share debit card details and just activate police and he will force you after then also when you are saying please not now but he will force you again and again, it’s very scared movement for me. The executive names are Harish Rajshekhar and Mayur Dimble.

I'm absolutely furious with Tata AIA's terrible service. Their 'premium' helpline is a total rip-off—it eats up your balance with endless recorded ads, loops forever, then cuts you off without connecting anyone. Pure waste of time and money.
I tried surrendering my policy. After traveling an hour to their office, the agent handling surrenders was 'on sick leave'—classic dodge. Follow-up calls? Completely ignored.
It became obvious they're deliberately stalling: making up rules, inventing excuses, and using every delay tactic possible to wear me down, drain my resources, and push me to give up. It feels like they're hired to frustrate customers and hold onto the money as long as they can.
Pathetic interest rates, treating people like hostages—it's basically a scam. Stay far away from Tata AIA and go with any other insurer.
Wish I could give 0 stars; forced to give 1. Avoid them!

A Masterclass in How Not to Handle Insurance Claims------ My experience with Tata AIA

If you ever wanted to see how an insurance company can turn a straightforward, legitimate claim into a prolonged exercise in frustration, this company has perfected the art. What should have been a routine claims process dragged on for over six weeks — not because of missing documents, but due to their own vague “internal issues.” Instead of taking ownership and resolving it promptly, they chose a strategy that felt less like customer service and more like pressure tactics.

First came the shocker: a flat-out claim rejection from a customer service representative. No meaningful justification, just a blunt denial. Then, as if that wasn’t enough, they pivoted to a so-called “compromise” — essentially suggesting the customer should quietly accept a loss of around ₹50,000 to make the problem go away. This was done by several customer service managers who wanted me to agree to a lower NAV value compared to the one when the claim was made. When that didn’t work, they fell back on a stalling routine that became almost comical in its predictability: Every three days, an email would arrive politely asking for another three days. This went on like a subscription nobody signed up for. Their email is 'customercare'. I am tempted to rename them as 'customer-don't-care'.

Eventually, they admitted the claim would be processed as originally filed. One might assume that after weeks of delay caused solely by them, they would fast-track the payment. Not at all. They calmly took their standard five working days to settle the amount — as if the preceding month and a half of delay had never happened.
And now, after this entire ordeal, they have the audacity to state that “the issue has been resolved.”

No — the payment being made is not “resolution.” You have just paid the bill.

Real resolution would mean:
Acknowledging that their internal processes are clearly broken. Accepting that the customer was subjected to unnecessary stress and financial uncertainty
Demonstrating that concrete corrective measures have been put in place so no other customer has to endure this kind of treatment. Without that, nothing is resolved. A bill has been paid — that’s all.

To prospective customers: be extremely cautious before purchasing insurance from this company. The true test of an insurer is not how quickly they sell a policy, but how fairly and efficiently they honor a claim. This experience shows a serious gap between promise and performance.

To financial advisors and institutions: please exercise due diligence before recommending this insurer’s products. Your credibility is on the line when you endorse a company whose claims handling practices can put your clients through weeks of avoidable distress.

Insurance is supposed to provide peace of mind. With this company, it delivered the exact opposite.

Thanks for listening.
Meenakshi Subramanian

I have paid my premium on time from my NRE account. So I need to pay only 300000, which I paid in time. But I received a few phone calls, and they said I haven't paid the premium, but I said I have paid on time. Then I received today the premium 300000 back to my account.
I wonder what's going on with the TATA insurance company. I feel like there are uneducated staff working there.
Please fix this error, which happened from TATA.
Thank
Jose Kachappilly

I pay total Rs 23000 per month on my 6 policy in TATA AIA Ulip and Term life Insurance.
I swear on my mother .
Never buy Tata aia policy.
Very unprofessional service.
I will never suggest Tata aia,even for my enemy.
Worst service.
(I can't quit as there is 5 year lock in period)

Dear Team,

Greetings.

This is in reference to your email dated 16/12/2025 regarding my policy U242293455.

I am unable to understand why the same information is being requested repeatedly, despite the fact that all relevant details, clarifications, and disclosures have already been provided multiple times, both:

Through detailed email communications, and

During the Medibuddy video medical examination, which was conducted as advised by Tata AIA.

After the video medical examination was completed, I was never informed that the same was insufficient or that the case had reverted back to Health Certificate clarification again. Hence, your current request gives a clear impression that previous records, email history, and medical reports are not being reviewed before sending responses.

Requesting the same clarifications again and again without referring to earlier submissions reflects a lack of internal coordination and causes unnecessary delay and inconvenience to the customer.

I therefore request you to kindly clarify the following clearly and specifically:

Whether the Medibuddy video medical examination has been received and reviewed, and

If yes, what exact requirement is still pending, if any, to proceed further — please specify precisely, instead of generic repetition.

Please note that all health-related information has already been disclosed, and I am not in a position to keep submitting the same details repeatedly.

I request you to review the complete case history and provide a clear, final update on whether the policy can be reinstated or not, without further repetitive follow-ups.

With due respect, I would like to state that a simple reinstatement request is being unnecessarily complicated.

All relevant details, clarifications, and disclosures related to my health condition have already been provided multiple times, including through email communications and the Medibuddy video medical examination conducted as per Tata AIA’s instructions.

Despite this, the same information is being asked for again and again, which clearly indicates a lack of internal coordination and case continuity. This repeated approach is creating unwarranted issues for a straightforward matter and causing avoidable delay and inconvenience.

I request your team to review the complete case history and medical records already available, instead of restarting the process repeatedly.

Kindly provide a clear and final update on whether the policy can be reinstated or not, without raising repetitive or generic requirements.

Looking forward to a prompt and conclusive resolution.

A simple reinstatement request has been prolonged unnecessarily due to lack of case continuity and repeated reopening of already-addressed points. Such handling not only causes inconvenience to the customer but also reflects poorly on service standards and affects the company’s reputation and customer experience.

Insurance is based on trust and clarity. When a straightforward reinstatement involves prolonged and repetitive follow-ups, it naturally leads to apprehension regarding future service and claim settlement.

I therefore request Tata AIA to:

Conclude the reinstatement process transparently, and

Provide a clear and final decision after reviewing all existing records, without further repetitive requirements.

I hope this concern will be taken seriously and addressed promptly, restoring my confidence in Tata AIA’s service standards.

Total Cheating . Be very careful while buying policies. After policy purchase disaster service and from CEO office there is no ethics or any principles? Focus is on Cheating.

No proper response for the emails... No responsible person from their team to respond to our issues. worst experience.

I had a very disappointing experience with Tata AIA. The plan was initially sold as an investment option with added liver coverage, but the overall communication was extremely poor. I never received proper updates over email, and their toll-free number was consistently unreachable.

During the video verification, I clearly mentioned that I have diabetes. Despite this, the application was processed without any caution or clarity. Much later, I was suddenly informed that I would have to pay an additional ₹3 lakh in premium because of my diabetes, which is only borderline in my case. There was no prior indication that my premium could increase.

It took significant additional effort from my side to explain that I couldn’t afford the revised amount and to request a refund. My time was wasted from November 3rd to December 10th with absolutely no support from customer service. Overall, a terrible experience and you simply cannot reach them when you need help.

I am compelled to share my experience after six months of unrelenting frustration with TATA AIA regarding my Tata AIA Life Insurance Maha Raksha Supreme Select policy. Despite paying my premium twice, the company claimed the amount was sitting in a “suspense account” and refused to activate my policy or refund my money. For half a year, I have been left completely uninsured while they held my funds. This is, in my personal experience, unacceptable and deeply alarming.

To make matters worse, TATA AIA suddenly demanded a medical check-up - a requirement never disclosed during the sale or renewal. Shockingly, they insisted that I bear the cost, even though the entire problem arose due to their own internal system errors. Expecting customers to pay for their failures is, in my opinion, outrageous, unethical, and a severe breach of trust.

Throughout these six months, my repeated emails, clarifications, and submitted documents were met with generic, dismissive responses, demonstrating a complete lack of accountability and professional integrity. It appears that my case was never properly reviewed, despite the serious financial and personal impact this negligence caused.

After enduring this appalling treatment for half a year, I had no option but to escalate the matter to India’s Consumer Court, as this was the only available route to seek justice and protect my rights.

Based on my direct experience, I strongly urge potential customers to exercise extreme caution and do not consider engaging with TATA AIA. The combination of unresponsive service, withheld premiums, hidden requirements, and unjustified financial burdens on the customer creates an experience that is stressful, risky, and entirely unacceptable.

I am sharing this review so that no other consumer falls prey to what I consider a highly negligent and dangerously unreliable insurer. My hope is that this warning reaches as many potential customers as possible, because, in my opinion, the practices I experienced are a glaring red flag.

Extremely disappointing customer service, they don’t have call back fasciitis, emails are as equal to throwing it in a dustbin. I bought a market invested policy and opted to withdraw services yet they would refund premium after five years as per their policy. Work of advice is to stay away from TATA AIA, I can’t give a zero star here, hence one star.

I wish I had read reviews before I invested with them. Terrible service - I have been trying to make a withdrawal for weeks now. On chasing, someone finally called me, on a line where I could barely hear what she was saying, to say that some document was outstanding. I asked that they email to tell me what it was (I am sure I provided what was needed!) and a week later, nothing. Avoid…..

As an NRI, I’ve been struggling for over 5 months just to set up a Direct Debit outside India, and yet there’s been no proper resolution. The customer service is extremely poor, and it feels like the company only cares about onboarding new customers but provides zero support once the policy is sold.

Whoever is managing this is damaging the TATA brand name and reputation.

How can anyone trust a company like this for a long-term, lifetime investment?

PLEASE BE AWARE before you do anything.
I am genuine concern about the company...
Horrible customer experience- feel its spam company..
NEFT detail in policy but not updated.
When I tried to update same, denied with comments unable to reach you while I even don't have missed call.
Now asking physical verification or bank verification.
even complaint but no reponse.
even for video verification, gave time thrice
this is when policy document has NEFT details and premium paid from same account.

Extremely disappointed with TATA AIA Life Insurance.
My experience has been nothing short of frustrating. The customer service is almost impossible to reach—long wait times, clueless representatives, and zero follow-up. I faced repeated delays in policy processing, and nobody seems accountable.
The app and website are confusing and buggy, making it harder to track policy status or raise queries. Even basic requests like a policy document or premium update took multiple follow-ups and weeks of waiting.
I expected a trusted name like TATA to provide better service, but this feels like a completely mismanaged operation. If you're looking for reliability, responsiveness, or transparency—look elsewhere.

Worst and fraud company with very poor portfolio management with negative returns after 5 years ..go birla/icici ..u can see massive 70% returns in 5 years..

Don’t waste ur money and time with tata aia

How tata aia airlines operate? World knows that after gujarat incident

I have been trying to get in touch with customer care people for recommendation to buy policy..No calls so far. I am just waiting.

I have enrolled in a Tata AIA plan under the Tata AIA Life Guaranteed Return Insurance Plan. However, the customer support at Tata AIA is extremely poor. No one is willing to assist when we have any queries. Moreover, they deduct payments from the bank account without customer consent, even if the payment for that month has already been made. It is very difficult to recover the deducted amount, as no one is available to address our requests or concerns.

Buy online team shares wrong information to pull the customer, once we pay and start the process we will realize that we need to compromise many things.