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Plan Snapshot
Personalise your plan as per your priorities.
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Insurance + Investment
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Best returns on top-rated funds 4 or 5 stars+ by Morningstar^^
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Flexi premiums
5 to up to 85 years of age for limited pay and Regular pay
- In-built privileges
Coverage against death and Total & Permanent disability due to accident
Tata AIA Vitality Wellness@ Program provides up to 10%## discount on Vitality Protect Advance premiums
Need advice on a new plan?
Let our experts get back to you.
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This advertisement is combination of products namely, Tata AIA Smart Sampoorna Raksha Supreme (UIN: 110L179V01) and Tata AIA Vitality Protect Advance (UIN: 110N178V01).
Param Raksha Life Maxima +
Tata AIA Param Raksha Life Maxima + is a holistic life insurance plan that offers enhanced protection with wealth-building opportunities. It provides flexible options to secure your future while maximizing returns through market linked~ investments.
Product Benefits
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Market-linked returns
Get market-linked~ returns on maturity of the policy
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Get Life Insurance Cover
Get financial security for your family, in form of a life cover and safeguard against unforeseen circumstances
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Get Whole Life Coverage
Get life cover till 100 years** of age
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Return on Maturity at the end of Policy Term
Get Fund value on Maturity1 + Tata AIA Vitality Protect Advance Premiums Back
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Get Tax^ Benefits
Avail tax benefits as per applicable tax laws
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Wellness program with Tata AIA Vitality@
Improve your health and get up to 10% discount## on Tata AIA Vitality Protect Advance premiums in the 1st year.
What is Tata AIA Vitality (Wellness Program)?
Tata AIA Vitality@ is a globally recognised, holistic and science-based wellness program that helps you understand and improve your health while also rewarding you. The rewards may be in the form of Discount on Premium, Cover Booster etc.
On enrolling into the Wellness Program, you can get an upfront discount## of 10% on Tata AIA Vitality Protect Advance premiums in the 1st year. The premium discount in the subsequent years may increase or decrease based on your Wellness status.
Eligibility Criteria
Boundary conditions |
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Min/max age at entry |
18/65 |
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Max. age at maturity |
Life Cover: 100 years Accidental Death Benefit: 85 years Accidental Total & Permanent Disability: 85 years |
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Policy term |
Min: 30, Max: subject to max. age at maturity |
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Premium payment term |
5 to up to 85 years of age for limited pay and Regular pay |
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Minimum Premium |
SSR Supreme Premium: 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. |
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Premium Mode |
Annual, Half yearly, Quarterly and Monthly |
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Sum Assured |
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Age as on last birthday.
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Looking to buy a new insurance plan?
Our experts are happy to help you!
TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in
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Frequently Asked Questions
What is the minimum premium that I have to pay if I purchase the Param Raksha solution?
If you are purchasing the Tata AIA Param Rakshak solution, the minimum premium amount, depending upon the premium payment term, is as follows.
Base Plan Premium:
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.
What is the premium payment frequency for this life insurance plan?
You can pay your premium for this plan annually, half yearly, quarterly or monthly.
How can I raise a claim under this life insurance policy?
You can choose any of the following channels to reach out to us and raise a claim.
Email us at: customercare@tataaia.com
Call our helpline number - 1860-266-9966 (local charges apply)
Walk into any of the TALIC branch offices
Write directly to us at:
The Claims Department,
Tata AIA Life Insurance Company Limited
B- wing, 9th Floor,
I-Think Techno Campus,
Behind TCS, Pokhran Road No.2,
Close to Eastern Express Highway,
Thane (West) 400 607.
IRDA Regn No. 110
What documents would I require to buy an insurance policy?
Some of the documents that may be required to purchase an insurance policy are:
Proof of address:
The following documents are accepted as valid proof of your address.
Bank Statement (or passbook) with the latest entries for six months
Aadhaar card
Passport
Voter's ID
Driving license
Electricity/telephone bill
Ration card
Proof of identity:
Some of the documents that are accepted as valid proof of your identity include:
Aadhaar card
Passport
Driving license
Documents showing proof of income:
These documents, which are required only for a few plans, include:
Salary slips of the previous 3 months
Income tax returns/Employer certificate
Bank statement of the previous 6 months
Latest Form 16
Disclaimer
- 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: 110L179V01) and (2) Tata AIA Vitality Protect Advance, A Non-Linked, Non- Participating Individual Health Product (UIN: 110N178V01).
- 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.
- Some Benefits are guaranteed, and some Benefits are variable (non-guaranteed) with returns based on the future performance of the opted funds and fulfilment of other applicable Policy conditions. If your Policy offers guaranteed returns, then these will be clearly marked as "guaranteed" in the illustration table on this page. If your policy offers non-guaranteed returns, then illustration will show two different rates of assumed future investment returns. The above illustration has been determined using assumed future investment returns of 8% and 4% respectively. The rates used have been set by the Life Insurance Council. These assumed rates of return are not guaranteed and there are no upper and lower limits of what you might get back at Maturity, due to the fact that the value of your Policy is dependent on a number of factors including future investment performance.
- **Applicable for specific plan options. Please refer brochure for additional details
- +All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of August 2024.
- ^^©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.
- ^Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
- @Tata AIA Vitality - A Wellness Program that offers you an upfront discount at policy inception. You can also earn premium discount / cover booster (as applicable) for subsequent years on policy anniversary basis your Vitality Status (tracked on Vitality app) Please refer Tata AIA Vitality Protect Advance brochure for additional details on health and wellness benefits.
- ##On enrolling into the wellness Program, you get an upfront discount of 5% on first year premium for Accidental Death, Accidental Total & Permanent Disability, and of 10% on first year premiums of Term Booster benefit option. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the upfront rewards and annual rewards flex together shall be 15% for Accidental Death & Accidental Total & Permanent Disability and 30% for Term Booster benefit option. Discount is driven by accumulated points which is achieved through wellness status. Please refer policy document for more details.
- 1On 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. Tata AIA Smart Sampoorna Raksha Supreme is also available individually for sale. The customer is advised to refer the detailed sales brochure of respective individual product mentioned herein before concluding sale.
- 2 5-year computed NAV for Multi Cap Fund as of Aug 2024. Other funds are also available. Benchmark of this fund is S&P BSE 200.
- The solutions are not guaranteed issuance solutions and it will be subject to Company’s underwriting and acceptance. Benefi ts stipulated are available only if all the premiums are paid as per the premium paying term and the policies are in force till the completion of entire policy term opted for.
- 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.
- ~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 other professional advisor. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any). All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns.
- 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 solutions are underwritten by Tata AIA Life Insurance Company Limited.
- All Premiums, Charges, 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, charges 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 bene fits payable under the Policy. For more details on benefi ts, premiums and exclusions under the Rider(s), please refer to the Rider Brochures or contact Tata AIA Life's Insurance Advisor/Intermediary/ Branch.
- Vitality is a trademark licensed to Tata AIA Life by Amplify Health Assets PTE. Limited, a joint venture between Vitality Group International, INC. and AIA Company Limited. The assessment under the wellness program shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
- Insurance cover is available under this product.
- For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.
- L&C/Advt/2024/Sep/2691
