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Param Raksha Life Growth+ 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. 

Param Raksha Life Growth +


Tata AIA Param Raksha Life Growth+ is a solution that combines comprehensive protection with wealth-building opportunities. It ensures financial security while providing long-term growth through market linked returns3

Benefits of Param Raksha Life Growth+

Get Financial Protection

The life cover under this policy offers a lump sum benefit to your loved ones in the case of any unfortunate event. 

Terminal Illness Cover with Term Booster1

In case you are diagnosed with a terminal illness, you can receive 20% of your sum assured under your life insurance policy.

Accidental Total & Permanent Disability

Extra cover against accidental total and permanent disability in case of an accident. Double benefit4 in case the accident occurs in public transport or under other specified circumstances. 

Accidental Death

An additional sum assured, will be paid to your family in case of accidental death. Benefit will be doubled4 in case of death due to accident in public transport or other specified circumstances. 

Get Total Fund Value + Tata AIA Health Buddy Premiums Back

Apart from the total fund value as maturity5 amount, you will also get back all the Health Buddy premiums paid by you at the end of the policy term. 

Get Income tax Benefits

Avail income tax benefits7 as per the applicable tax laws. 

Unlock the power of compounding!
Watch your investment grow

Compound Interest Calculator

Please enter valid amount

Please enter up to 99%

Please enter between 3-99 years

Please enter up to 99 years

Stay invested year can not be less than Years of payment

You Get

₹76.6 Lakh

You Pay

₹12 Lakh

You Pay

You Get

Tata AIA funds have consistently outperformed benchmarks.

Updated as on

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Eligibility of Param Raksha Life Growth+

Boundary conditions

Min/max age at entry (Years) 

18/65

Max. age at maturity

Life Cover: 100 years

Accidental Death Benefit: 85 years

Accidental Total & Permanent Disability: 85 years

Policy term 

Min: 30, Max: subject to max. age at maturity

Premium payment term

5 to up to 85 years of age for limited pay and Regular pay

Minimum Premium2

₹ 5,00,000

Premium Mode

Annual, Half yearly, Quarterly and Monthly

Sum Assured


 

Minimum

Maximum

Basis Minimum Premium

Life cover- No Limit

Accidental Death Benefit –₹5 Crore

Accidental Total & Permanent Disability –₹5 Crore

 


See All See Less

Age as on Last Birthday


How Does This Plan Work?
 

  • 01

    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.
  • 02

    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 50 lakhs.
  • 03

    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.



Frequently Asked Questions

  • What does Param Raksha Life Growth+ comprise of?

    Param Raksha Life Growth+ comprises of comprehensive life insurance coverage with market-linked returns3 boosted by the Wellness Program under Tata AIA Health Buddy.

  • What is the maturity benefit of Param Raksha Life Growth+?

    The maturity benefit offered under this policy is the total fund value of your investment at 4% or 8%, as maturity6 amount including loyalty additions and other refundable charges, along with the return of all the Health Buddy premiums paid towards the life insurance policy.

  • Disclaimers

    • The 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.
    • Param Raksha Life Growth+ 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). 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. 

    • Accidental Death, Accidental Disability, Terminal Illness with Term Booster are available with Tata AIA Health Buddy (UIN:110N183V01). 

    • 1The Insured Amount under Terminal Illness with Term Booster option (in Tata AIA Health Buddy) is payable on earlier of death or diagnosis of Terminal illness of the Life Insured. Please refer Terms and Conditions for more details. 

    • 2All Premiums in 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.

    • 3The 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.

    • 4Refer Tata AIA Health Buddy brochure for details.

    • 5On 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. 

    • 6Some 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 this page will show two different rates of assumed future investment returns. These assumed rates of return are not guaranteed, and they 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.

    • 7Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. For ULIP policies, maturity income will be taxable if annual aggregate premium exceeds ₹2.5 Lakh in a financial year. For non ULIP insurance policies, maturity income will be taxable if annual aggregate premium exceeds ₹5 Lakh in a financial year. Tax laws are subject to change from time to time. 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.

    • 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).

    • 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.

    • L&C/Advt/2025/Sep/3197