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Param Rakshak Prime solution comprises of Tata AIA Smart Sampoorna Raksha Pro, A Non-participating, Unit linked, Individual Life Insurance Savings Plan (UIN: 110L172V02) and Tata AIA Vitality Protect Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V04) Tata AIA Smart Sampoorna Raksha Pro is also available individually for sale.
Personalise your plan as per your priorities.
Our funds have been rated 4 or 5 star 5 by Morningstar 6
Choose Premium Payment Term basis your affordability starting 5 years up to 85 years.
Create second income with Systematic Withdrawal Plan.
Inbuilt coverage for
Access to Tata AIA Vitality program 2
Earn up to 10% upfront premium discount 4 on 1 st year rider premium & up to 30% discount 4 on rider premium 2 nd year onwards
Looking to buy a new insurance plan?
Our experts are happy to help you!
The life cover under this policy offers a lump sum benefit to your loved ones in the case of any unfortunate event.
Apart from the total fund value as maturity 7 amount, you will also get back all the rider premiums paid by you at the end of the policy term.
In case you are diagnosed with a terminal illness, you can receive up to 50% of your sum assured under your life insurance policy.
Earn rewards for following a healthy lifestyle through the Tata AIA Vitality Wellness 2 Program with the benefit of up to 10% 4 upfront premium discount on rider premiums in the 1 st year.
The Tata AIA Vitality is a holistic and comprehensive reward-based wellness 2 program aimed at helping you improve your health, well-being, and lifestyle habits. The program enables you to follow healthy habits and achieve regular health targets through curated activities and online health assessments to keep a check on your fitness levels.
When you start the Wellness Program and progress along the way, you can earn benefits such as a discount 4 of up to 10% on your rider policy premium for the 1 st year. You will also be rewarded for moving from one level to the next to improve your Wellness Status, which will be determined by the points earned through these assessments and activities.
Vitality Health Check and Online Assessments help you keep track of your physical and mental fitness.
Weekly Challenges to motivate you to stay active and boost your Vitality status.
Upfront discount 4 of 10% on rider premium and renewal discount up to 30% on insurance premium.
Eligibility of Param Rakshak Prime
Minimum Age of Entry
Maximum Age of Entry
Maximum Maturity Age
Base Cover – 100 years
Term Booster – 100 years
Min: 85 less entry age
Max: 100 less entry age (Whole of Life)
Limited Pay: 5 years to up to 85 years of age
Limited Pay 5-6 years: ₹ 20,000 p.a.
Limited Pay 7-9 years: ₹ 18,000 p.a.
Other Premium Payment Terms: ₹ 15,000 p.a.
Single, Annual, Half-yearly, Quarterly and Monthly
Base (Life cover), including Term with Terminal Illness Rider (TTI) – 1 Crore
Base (Life cover), including Term with Terminal Illness Rider (TTI) - No Limit
Age as on Last Birthday
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 1 Crore.
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.
What does Param Rakshak Prime comprise of?
Param Rakshak Prime comprises of comprehensive life insurance coverage with market-linked returns 1 boosted by in-built rider 10 option with the Wellness Program 2 under Tata AIA Vitality.
How does the Wellness Program work?
The Wellness 2 Program is based on points that you can earn by completing online health assessments and by meeting daily and weekly physical activity goals. There are 4 different levels under the Wellness Program, and you can move from one level to the next, basis the points you have earned through your targets and your assessments.
How do I earn rewards through the Wellness Program?
With the Wellness 2 Program, you get an upfront discount 4 of up to 10% on your life insurance rider premiums for the first policy year. Apart from that, you can also be rewarded for improving your Wellness Status by moving from one wellness level to another, as per the points earned from online health reviews and daily and weekly fitness targets.
What is the maturity benefit of Param Rakshak Prime?
The maturity benefit offered under this policy is the total fund value of your investment at 4% or 8% & , as maturity 7 amount including loyalty additions and other refundable charges, along with the return of all the rider premiums paid towards the life insurance policy.