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Life insurance vs Health insurance

Life insurance focuses on providing a payout to the family in case of the policyholder’s death, while health insurance supports medical expenses during the policyholder’s lifetime.... Read more Understanding this distinction helps in choosing suitable coverage based on individual needs and life stages. This article covers the difference between life insurance and health insurance. Read less

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What is Life Insurance?

A life insurance policy is a financial agreement between an insurer and the policyholder, wherein the insurer will provide a lump sum death benefit to the policyholder's family in the event of the unexpected demise of the life insured during the policy term.

The financial benefit will help the family clear off debts, accomplish future financial goals, manage routine expenses, etc., in the absence of the policyholder, especially if the deceased was a primary earning member of the family. In addition, the life insurance plans provide add-on rider5 benefits that provide additional financial support during specific scenarios, such as the policyholder being affected due to a critical illness, disability, etc., during the policy term.

Furthermore, there are comprehensive life insurance plans that provide savings and investment benefits in addition to life cover. Understanding life insurance meaning and its types is important to utilise the benefits based on the requirement.

Types of Life Insurance

There are different types of life insurance plans. The choice of life insurance product should be based on individual financial needs and affordability. Here is a detail about the types of life insurance policies.

Term Life Insurance

Term life insurance is a pure life insurance plan that provides an extensive life cover at an affordable premium. If the term insurance is purchased early in life with a long policy tenure, it becomes even more affordable.

There is also the term insurance with the return of premium⁹ option that provides a refund of the sum of all premiums paid if the policyholder survives the policy tenure.

Popular Term Plans from Tata AIA

Tata AIA

Sampoorna Raksha Promise

Get ₹ 1 Cr Life Cover at ₹ 502/month⁷
Up to 18.5% discount on first year premium⁸
Get 100% premium back⁹

Calculate returns

Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product
(UIN:110N176V12)

Tata AIA Param Raksha Life Pro +

This advertisement 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, Non-Participating, Non-Linked, Individual Health Product (UIN: 110N183V01).

Tata AIA

Maha Raksha Supreme Select

Get ₹2 Cr Life Cover at ₹768/month¹⁰
Up to 18.5% discount on first year premium⁸
Increase life cover at important milestones

Calculate returns

Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product
(UIN: 110N171V15)

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NRI?

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Unit Linked Insurance (ULIP) Plan

ULIP plan is a comprehensive life insurance plan that provides dual benefits, life cover and the option to invest in financial securities and receive market-linked returns¹¹ at maturity.

The policyholder can choose the required sum assured and invest in the fund options based on their risk appetite. There are equity, debt and balanced funds for investors who can afford high, medium, and low-risk investments. The policyholders can even switch between the funds to balance the market volatilities.

Popular Tata AIA ULIP Plans

Solution Composition

Param Raksha Life Pro+ 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, Non-Participating, Non-Linked, Individual Health Product (UIN: 110N183V02). Both products are also available for sale individually.

Tata AIA

Param Raksha Life Pro +

Multicap fund delivered 18.54% returns (Benchmark: 13.07%)¹²
All funds rated 4 or 5 stars³by Morningstar⁴
Get high life cover to secure your family

Calculate returns

Solution Composition

Tata AIA Premier SIP is a combination of the Tata AIA Smart SIP, a non-participating, unit-linked, individual life insurance savings plan (UIN: 110L174V02), and Tata AIA Health Buddy, Non-participating, Non-Linked, Individual Health Product (UIN:110N183V01). Both Tata AIA Smart SIP and Tata AIA Health Buddy are also available for sale individually.

Tata AIA

Premier SIP

No premium allocation charges
Generate second income with smart withdrawal strategies
Payouts are tax exempted¹³

Calculate returns

Solution Composition

Savings Insurance Plans

Savings insurance plans are endowment plans that provide life cover for the entire policy tenure and a guaranteed¹⁴ savings benefit. The policyholders can receive the maturity benefit as a lump sum, regular income, or a combination of lump sum and regular income.

Some savings insurance plans also provide regular bonus, loyalty additions, payouts, etc., during the policy term.

Popular Tata AIA Savings plans

Tata AIA Param Raksha Life Pro +

Tata AIA

Fortune Guarantee Plus

Pay Rs.8,830/month¹⁵ for 10 years & get Rs. 47 Lakh+ maturity amount
Guaranteed¹⁶ & tax-free¹⁷ benefit
Get premium back¹⁸

Calculate returns

Non-Linked, Non-Participating, Individual Life Insurance Savings Plan
(UIN: 110N158V14) | ¹⁶T&C apply

Tata AIA Param Raksha Life Pro +

Tata AIA

Shubh Flexi Income Plan

Start receiving income within 3 days of policy issuance
Receive cash bonus from the 1st policy month/year¹⁹
Grow income with sub-wallet feature and withdraw as needed

Calculate returns

Individual, non-linked, participating, Life Insurance Savings Plan
(UIN: 110N207V02)

Tata AIA Premier SIP

Tata AIA

Fortune Guarantee Supreme

Pay ₹1 Lakh for 6 years²⁰, Get ₹41,080 for 25 years with Life cover.
Immediate Income Option
2% discount for women

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Individual, Non-Linked, Non-participating, Life Insurance Savings Plan (UIN110N163V14)

Retirement and Pension Plans

Pension plans are retirement plans that help policyholders accumulate funds for their retirement and receive a regular income. Policyholders can receive regular income immediately post-retirement or after a deferred period.

Retirement plans can be guaranteed, savings plans, monthly income insurance plans or annuity plans.

Popular Tata AIA Retirement plans

Tata AIA Param Raksha Life Pro +

Tata AIA

Smart Pension Secure

Get pension benefits with life insurance coverage
All funds rated 4 or 5 stars³by Morningstar⁴
Zero Premium Allocation Charges

Calculate returns

Non-Participating, Unit Linked, Individual Life Insurance Pension Plan
(UIN: 110L182V09)

Tata AIA Param Raksha Life Pro +

Tata AIA

Fortune Guarantee Pension

Get lifelong guaranteed²² lifetime income for your retirement
Cover your spouse too under the same plan
Get return of purchase price²³

Calculate returns

A Non-Linked, Non-Participating, Annuity Plan
(UIN:110N161V13) | ²²T&C apply

What is Health Insurance?

Health insurance is a financial agreement between a health insurance provider and a policyholder, wherein the insurer will provide the necessary financial support to the policyholder in case of any health-related expenses. Therefore, it is protective cover against medical expenses related to accidents, injuries, and illnesses..

In addition, certain health insurance plans provide coverage against pre-hospitalisation and post-hospitalisation expenses. Furthermore, the policyholders can benefit from the cashless claims or the reimbursement benefits in some of the best hospitals throughout the country.

Different add-on covers enhance the financial benefits received under the health insurance plan. In addition, with the advent of information technology, policy seekers can access the different types of health insurance policies online, compare the best among them and choose the best policy that will suit their financial needs.

Health insurance plans are important in the current era considering the changing lifestyle that can increase the probability of getting affected due to diseases and rising medical costs. In addition, it provides cashless treatment or reimbursement options in some of the best hospitals throughout the country.

Different types of health insurance plans

Different types of health plans provide a range of benefits based on the requirements..

Individual health insurance

Individual health insurance is a health insurance plan that covers the medical expenses of the individual policyholder. A person can purchase individual health insurance plans for every family member.

Family health insurance

A family health insurance plan covers the medical expenses for the entire family. The plan will have a high sum assured to ensure adequate coverage for every family member.

Senior citizen health insurance

A senior citizen health insurance plan provides health insurance benefits for individuals above 60 years of age. It provides the health cover to provide the financial support to manage age related issues, major or minor illnesses.

Super top-up health insurance

A super top-up health insurance plan provides additional features and covers to enhance regular health insurance plans.

Understanding the difference between life insurance and health insurance

The following table highlights the key difference between life insurance vs health insurance:.

Points of Difference	Life Insurance	Health Insurance
Purpose	Designed to provide financial support to dependents in case of the policyholder’s death. Some plans may also support long-term financial goals.	Designed to handle medical expenses arising from illness, injury, or hospitalisation during the policy period.
Benefit Type	Provides a fixed payout either to the nominee or the insured person, based on the event defined in the policy terms.	Covers medical expenses through reimbursement or direct settlement with hospitals, as per policy conditions.
Policy Tenure	Coverage duration can vary widely, starting from a few years and extending up to whole life, depending on the plan selected.	Coverage is usually provided for shorter durations, commonly one to three years, with renewal options available.
No Claim Bonus	Such policies generally do not link benefits to claim history. The premium is decided at the start and remains unchanged for the chosen term.	Many plans reward claim-free years by increasing coverage or offering renewal-related benefits, depending on policy terms.
Investment Returns	Some plans include an investment component where returns are linked to chosen funds and may vary based on market movement and time horizon.	These plans do not include any investment component, as the focus remains only on covering treatment-related expenses.
Maturity Benefits	Certain plans provide a payout if the policyholder survives the full policy term, depending on the plan structure selected.	No payout is made at the end of the policy term, since the plan is meant only for expense coverage during medical events.
Rider⁵ Options	Additional features can be added to expand coverage, such as protection against accidental death, disability, or serious illness.	Optional features may be available to widen coverage, including benefits related to maternity, critical illness, or hospital room limits.
Tax Benefits	Life insurance premiums qualify for a deduction of up to ₹1.5 lakh under Section 80C. Death benefits received by nominees are generally tax-free¹⁷ under Section 10(10D), subject to specified conditions.	Health insurance premiums are eligible for tax deductions under Section 80D, with limits of up to ₹25,000 for self and family and up to ₹50,000 for senior citizen parents. This helps reduce taxable income while providing financial protection against medical expenses.

Benefits of Life Insurance in India?

After understanding the difference between health insurance and life insurance, let's understand the benefits of life insurance in India.

Financial support for dependents

Life insurance provides a lump sum amount to the nominee, which can support daily expenses and long-term financial responsibilities after the policyholder’s death.

Long-term coverage period

Life insurance plans are structured for extended durations, ensuring that financial protection continues across important life stages and responsibilities.

Savings or investment component

Some plans include a savings element or market-linked feature, allowing accumulation of funds over time alongside life cover.

Maturity benefits in select plans

Certain policies provide a payout if the policyholder survives the policy term, which can support future financial goals.

Rider options for extended cover

Additional riders⁵, such as critical illness or disability cover, can be added to enhance financial support in specific situations.

Tax-related advantages

Premiums and benefits may qualify for tax¹⁷ relief under applicable sections of the Income Tax Act, subject to prevailing rules.

Benefits of Health Insurance in India

Having understood the benefits of life insurance, let's have a look at the benefits provided by health insurance in India:

Coverage for medical expenses

Health insurance helps manage hospital bills, treatment costs, and related expenses arising from illness or accidents.

Cashless treatment facility

Many policies allow treatment at network hospitals without upfront payment, subject to policy terms and conditions

Protection against rising healthcare costs

Medical expenses tend to increase over time, and health insurance helps manage these costs without affecting personal finances.

No claim bonus feature

Some plans reward claim-free years through increased coverage limits or reduced premium amounts in subsequent renewals.

Flexible coverage options

Health insurance plans may include add-ons that expand coverage, such as critical illness protection or maternity benefits.

Tax-related deductions

Premiums paid for health insurance may qualify for deductions under Section 80D¹⁷, based on eligibility conditions.

Conclusion

Life insurance and health insurance play distinct but important roles in financial planning. Life insurance focuses on long-term financial protection for dependents, while health insurance manages immediate medical expenses during one’s lifetime. Choosing the right combination depends on individual responsibilities, age, and financial goals. A balanced approach that includes both types of coverage can help ensure stability during uncertainties, protect savings from unexpected costs, and support overall financial well-being across different stages of life..

Do I need both life and health insurance?

Life insurance and health insurance serve two different purposes.
Life insurance provides financial cover to secure the family of the policyholder in the event of their unexpected death. Health insurance provides financial assistance to manage the medical expenses of the policyholder due to an injury, illness, etc.
Therefore, the need for life insurance and health insurance will depend on the individual family's financial needs.

Does life insurance pay medical bills?

Life insurance with a specific rider option, e.g., Critical Illness benefit option provides additional financial benefits if the policyholder is affected due to major illnesses or minor injuries. These additional funds can be used to pay for medical bills.

What is whole life insurance?

A whole life insurance plan provides the life cover benefit for the policyholder until death, provided the premiums are paid completely based on the policy terms and conditions. Tata AIA Life Insurance Sampoorna Raksha Promise (A Non-Linked Non-Participating Individual Life Insurance Plan (UIN:110N176V12) provides whole life cover up to 100 years¹⁵ of age.

What is a health insurance policy?

Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V12)
Tata AIA Maha Raksha Supreme Select - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V15)
Tata AIA Shubh Flexi Income Plan (UIN: 110N207V02) - Individual, Non-Linked, participating, Life Insurance Savings Plan
The complete name of Tata AIA Fortune Guarantee Plus is Tata AIA Life Insurance Fortune Guarantee Plus (UIN: 110N158V14) - Individual, Non-Linked, Non-Participating, Life Insurance Savings Plan
The complete name of Tata AIA Fortune Guarantee Supreme - Individual, Non-Linked, Non-participating, Life Insurance Savings Plan (UIN110N163V13)
Param Raksha Life Pro+ 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, Non-Participating, Non-Linked, Individual Health Product (UIN: 110N183V02).
Tata AIA Premier SIP is a combination of the Tata AIA Smart SIP, a non-participating, unit-linked, individual life insurance savings plan (UIN: 110L174V02), and Tata AIA Health Buddy, Non-participating, Non-Linked, Individual Health Product (UIN:110N183V02). Both Tata AIA Smart SIP and Tata AIA Health Buddy are also available for sale individually.
These products are also available for sale individually without the combination offered/ suggested. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein before concluding sale.
Tata AIA Smart Pension Secure (UIN: 110L182V09) - Non-Participating, Unit Linked, Individual Life Insurance Pension Plan
The complete name of Tata AIA Fortune Guarantee Pension Plan is Tata AIA Life Insurance Fortune Guarantee Pension Plan (UIN:110N161V13) - A Non-Linked Non-Participating Individual Life Insurance Plan.
Tata AIA Pro-Fit comprises of Tata AIA Health Pro, A Non-Participating, Unit-linked, Individual Health Insurance Plan (UIN: 110L180V01), Tata AIA Health Secure, A Non- Participating, Unit Linked, Individual Health rider (UIN: 110A050V01) & Tata AIA Health Buddy, , Non-participating, Non-Linked, Individual Health Product (UIN:110N183V01).Tata AIA Smart Health Pro and Health Buddy are also available for sale individually.
¹89,43,554 families protected till 31^st May 2025.
²Individual Death Claim Settlement Ratio is 99.41% for FY 2024-25 as per latest annual audited figure.
³All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of August 2025.
⁴©2025 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.
⁵Rider is not mandatory and is available for a nominal extra cost. For more details on benefits, premiums, and exclusions under the Rider, please contact Tata AIA Life's Insurance Advisor/ branch.
⁶Under Life Promise Plus Option, an amount equal to the 100% of the Total Premiums Paid (excluding loading for modal premiums) shall be payable at the end of the Policy Term, provided the life assured survives till maturity and the policy is not terminated earlier.
⁷As per the duly approved product design and terms & conditions of the product, Illustrated premium of ₹501 is the monthly premium for a 20 yr. old female, Standard Life, Non-Smoker for ₹1 Cr. Sum Assured with Policy Term of 20 yrs. (Regular Pay) under Life Promise Option of Tata AIA Sampoorna Raksha Promise with first year premium discount of 10% for digital purchase and 8.5% for salaried person. Please refer Benefit Illustration for more details.
⁸As per the duly approved product design and terms & conditions of the product, this product offers first year discount of 8.5% for Limited Pay/Regular Pay and 1% for Single Pay to salaried customers & digital discount of 1% for Single Pay, 10% for Limited Pay/Regular Pay.
¹⁰Illustrated Premium is the monthly premium excluding taxes for 20 yr. old female, Standard Life, Non-Smoker for 2 Cr. Sum Assured with Policy Term of 20 yrs. (Regular Pay) with Life Secure plan option salaried person. Please refer Benefit Illustration for more details. Tata AIA Life shall have the right to claim, deduct, adjust, recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy. Kindly refer the sales illustration for the exact premium.
¹¹Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations.
¹²5-year computed NAV for Multi Cap Fund as of February 2026. Other funds are also available. Benchmark of this fund is S&P BSE 200.
¹³ULIP policies issued on or after 1st February 2021 if the amount of aggregate annual premium payable in the financial year for all such policies does not exceeds INR 2,50,000/-. Subject to fulfillment of conditions mentioned in 10(10D).
¹⁴Guaranteed Income shall be total of Guaranteed annual Income plus Income Booster payable in a year. Guaranteed Income as per the chosen Income Frequency shall commence after maturity till the end of the Income Period, irrespective of survival of the life insured(s) during the Income Period.
¹⁵Premium excluding taxes for age group of 18 to 50, Male, Standard life, Plan Option 1 (Regular Income), Policy term 15 years, Income term 30 years. Total Guaranteed Benefit: Rs. 47,49,400. Please refer Benefit Illustration for more details. Premium is subject to applicable taxes, cesses & levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium. Tata AIA Life shall have the right to claim, deduct, adjust, recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy. Kindly refer the sales illustration for the exact premium.
¹⁶Guaranteed Income shall be total of Guaranteed annual Income plus Income Booster payable in a year. Guaranteed Income as per the chosen Income Frequency shall commence after maturity till the end of the Income Period, irrespective of survival of the life insured(s) during the Income Period.
¹⁷Income 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.
¹⁸Return of Premium shall be the sum of Guaranteed Maturity Benefit plus Milestone Benefit and shall be payable at the end of the Income Period , irrespective of survival of the life insured(s) during the Income Period.
¹⁹Cash bonuses (if declared) may be opted to be paid out at the end of the chosen pay-out frequency or as premiums offset. Alternatively, the cash bonus (if declared) can be chosen to be accumulated and paid out on maturity, death or surrender. Cash bonuses are applicable for Early income and Deferred income option. Please refer Brochure for additional details.
²⁰As per the duly approved product design and terms & conditions of the product, illustrated premium of ₹1 Lakh annually, Life cover ₹10 Lakh, Male age 35 Years, Non-Smoker, Policy Term: 37 Years, Gets return of premium at the end of Policy term ₹13.2 Lakh under Fortune Guarantee Supreme product plan. Please refer Benefit Illustration for more details.
²²The word Guaranteed, and Guarantee means the annuity payout is fixed at inception of the policy and will be payable for whole of life or till death of the Annuitant(s).
²³Return of Purchase price means return of all premiums paid excluding any extra premium, any rider premium, taxes and other statutory levies, if applicable.
²⁴Get daily cash benefit of up to ₹20,000 on hospitalization & Up to ₹40,000 on ICU admission.
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 page. If your policy offers variable benefits, then the illustrations on these pages will show two different rates of assumed future investment returns. Currently these are assumed rate of returns as 4% p.a. and 8% p.a. These assumed rates 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.
Linked Life Insurance products are different from traditional insurance products and are subject to risk factors.
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. The premium paid in Linked Life Insurance policies is subject to investment risks associated with capital markets and publicly available index. The NAV of the units may go up or down based on the performance of Fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions. 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.
Investments are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market
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 another professional advisor
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)
If your policy offers variable benefits, then the illustrations on this page 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 rates 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.
Life insurance cover is available under the solution. For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.
Risk cover commences along with policy commencement for all lives, including minor lives. 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 all the Premiums Paid. In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines. All Premiums and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses, or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium or interest. Tata AIA Life shall have the right to claim, deduct, adjust, and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.
The risk factors of the bonuses projected under the product are not guaranteed.
These products are subject to the overall performance of the insurer in terms of investments, management of expenses, mortality and lapses.
L&C/Advt/2026/May/3187