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Param Raksha Plus 2.0 is designed for combination of benefits of following individual and separate products named (1) Tata AIA Smart Sampoorna Raksha Supreme - Unit Linked, Non-Participating Individual Life Insurance Plan (UIN: 110L179V02) and (2) Tata AIA Health Buddy - A Non-linked, Non-participating, Individual Health Product (UIN:110N183V01) These products are also available for sale individually without the combination offered/ suggested.
Introducing Param Raksha Plus 2.0, an innovative life insurance plan that combines comprehensive protection with market linked 4 returns. Get coverage for critical illnesses, return of premiums, OPD benefits for 2 family members, and additional protection against accidental death and permanent disability. Moreover, the Tata AIA Health Buddy Wellness program ensures your well-being is always a priority.
Invest in our Top-rated funds which have earned 4 or 5 stars 2 from Morningstar 3 for their consistent performance over the years.
Now available with an exceptional 30-year premium guarantee, offering coverage for over 60 critical illnesses with customizable combinations.
Offers daily cash payouts for every day of hospitalization, designed to seamlessly manage out-of-pocket medical costs.
Complete outpatient coverage for doctor visits, diagnostics, and prescribed medications. This feature is now available for two family members in one plan, offering greater value.
Get financial protection to safeguard your family’s financial future in case of any unfortunate event.
An additional sum assured, will be paid to your family in case of accidental death. Benefit will be doubled 5 in case of death due to accident in public transport or other specified circumstances.
Extra cover against accidental total and permanent disability in case of an accident. Double benefit 5 in case the accident occurs in public transport or under other specified circumstances.
Access wellness 10 services like health coaching, diagnoses treatment, and more with the Health Buddy wellness program designed to support your health journey.
Returns as of '26 . Fund ratings by Morningstar as of July'26.
Minimum Age of Entry
Maximum Age of Entry
Max. age at maturity
Premium Payment Term*
5 to 20 for Limited pay
Same as Policy Term for Regular pay
Annual, Half yearly, Quarterly and Monthly
Base (Life cover): ₹60 Lakh
Mega CI or Select CI: ₹6 Lakh
HospiCash**: ₹2500 per day
For all the benefits, it is as per Board Approved Underwriting Policy
Age as on Last Birthday *Maximum PPT for OPD is 15 years | **HospiCash benefit can be chosen for 15/30/45/60 days in year
Speak to our Expert You can contact our financial advisor who will guide you to choose the right plan option to fulfil your life goals.
Select the Sum Assured Choose a suitable sum assured amount under the policy as per your life insurance needs, starting from a minimum sum assured of 60 lakhs.
Choose the Policy Term, Premium Payment Term and Mode of Payment Opt for a flexible premium paying term, policy term and premium payment mode so that you can easily pay affordable and reasonable premiums.
Param Raksha plus 2.0 is an Investment Linked proposition combining the benefits of Tata AIA Smart Sampoorna Raksha Supreme and Tata AIA Health Buddy.
The return of premium option allows you to receive back all the premiums paid 6 at the end of the policy term.
The maturity benefit offered under this policy is the total fund value of your investment at 4% or 8%, as maturity 9 amount including loyalty additions and other refundable charges, along with the return of all the premiums paid towards the life insurance policy.
No, the plan includes single life coverage only, However the plan helps extend the coverage to two lives for OPD benefit, offering enhanced value for families and couples by covering both lives under a single policy.
T he linked insurance product does not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
2 All funds open for new business which have completed 5 years since inception are rated 4 or 5 Star by Morningstar as of August 2025
3 ©2024 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar”); (2) may not be copied, redistributed or used, by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from data published on various dates and procured from various sources and (5) shall not be construed as an offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates or agents shall be responsible or liable for any trading decisions, damages or other losses resulting directly or indirectly from the information.
4 The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. On survival to the end of the policy term, the Total Fund Value including Top-Up Premium Fund Value valued at applicable NAV on the date of Maturity will be paid.
5 Refer Tata AIA Health Buddy brochure for details.
6 On survival to the end of the policy term, the Total Fund Value including Top-Up Premium Fund Value valued at applicable NAV on the date of Maturity will be paid.
7 No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time. 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. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. The Tax-Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
8 Tax benefits of up to ₹46,800 u/s 80C is calculated at highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium paid of ₹1,50,000 as per old tax regime. Tax benefits under the policy are subject to conditions laid under Section 80C, 80D,10(10D), 115BAC and other applicable provisions of the Income Tax Act,1961. The Tax-Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.
9 Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits then these will be clearly marked “guaranteed’ in the illustration table on this pages. If your policy offer variable benefits then the illustrations on this pages will show two different rates of assumed future investment returns. Currently the gross investment returns are stipulated as 4% p.a. and 8% p.a. These assumed rate of return are not guaranteed and these are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including actual future investment performance.
10 Health Buddy is part of the wellness offerings of TATA AIA Health Buddy. It is the customer’s sole discretion to avail the services. All medical-related services will be directly provided by the Service Providers and not by Tata AIA Life Insurance. These services shall be subject to the availability of the Service Provider. Tata AIA Life Insurance shall not be liable for any liability arising due to customer opting to avail this feature from the Service Providers. For more details on the benefits covered, please refer to the website, contact our Insurance Advisor/Intermediary, or visit our nearest Branch Office.
Please know the associated risks and the applicable charges, from your Insurance Agent or the Intermediary or Policy Document issued by the Insurance Company. Please make your own independent decision after consulting your financial or other professional advisor.
The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
The solution is underwritten by Tata AIA Life Insurance Company Limited. The solutions are not guaranteed issuance solutions, and it will be subject to Company’s underwriting and acceptance.
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 all the premiums paid. Unit Linked Life Insurance products are different from traditional insurance products and are subject to risk factors.
The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the “Company”). Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Smart Sampoorna Raksha Supreme is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions.
Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any). Life insurance cover is available under the solution. For details on products, associated risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.
For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
To know more about the products, features, and eligibility, kindly visit our nearest branch or contact us at +91 22 6984 9300
L&C/Advt/2025/Nov/4170