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Param Rakshak 2.0 solution comprises of Tata AIA Smart Sampoorna Raksha Pro - Non-participating, Unit-linked, Individual Life Insurance Savings Plan for Savings and Protection (UIN:110L172V02) and Tata AIA Vitality Protect Plus - A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V03). Tata AIA Smart Sampoorna Raksha Pro is also available individually for sale.
Plan Snapshot
Personalise your plan as per your priorities.
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Insurance + Investment
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Top-rated funds
Our funds have been rated
4 or 5 stars4 by Morningstar5 -
Flexi premiums
Limited pay: 5 to 67 years or pay regularly
- In-built privileges
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Comprehensive Coverage For
Death and Accidental Total & Permanent Disability. - Tata AIA Vitality Wellness7 Program
offers up to 10% discount8 on first year rider premiums
Need advice on a new plan?
Let our experts get back to 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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Tata AIA Param Rakshak 2.0 Solution
This plan is designed to provide you and your loved ones with a robust, all-in-one financial safety net, combining protection, market-linked returns, and peace of mind. Whether it’s shielding your family from life’s uncertainties or growing your wealth, Param Rakshak 2.0 provides the financial support you need to live a fikar-free life.
Benefits at a glance
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Top Rated Funds
Get market-linked3 returns from our top rated funds4 and grow your wealth.
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Get Life Insurance Cover
Secure your family's financial security with life cover and safeguard them against unforeseen circumstances.
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Whole Life Coverage
Get whole life coverage, which is till 100 years of age
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Return on Policy Maturity
Receive the fund value upon maturity1 at the end of the policy term.
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Income Tax Benefits
Get income tax6 benefits as per applicable tax laws and save more.
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Wellness program with Tata AIA Vitality7
Improve your health to get up to 10% discount8 on your first-year rider premium.
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Accidental Death and Permanent Disability Benefit
In the unfortunate event of accidental death or permanent disability, this plan offers additional financial assistance to help your family maintain their standard of living.
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Flexible Premium Options
Choose from a range of premium payment terms tailored to suit your financial comfort. You can opt for Annually, Half Yearly, Quarterly or Monthly premium payments.
What Tata AIA Vitality (Wellness Program) is all About?
What Tata AIA Vitality (Wellness Program) is all About?
Tata AIA Vitality7 is a globally recognised, comprehensive and science-based wellness program. Its primary purpose is to help you comprehend and improve your health while rewarding you simultaneously. These rewards may be in the form of Cover Booster, Discount on Premium, etc.
Enrolling yourself on the Wellness Program will get you an upfront discount8 of 10% on first-year rider premiums. This premium discount in the upcoming years may increase or decrease, which is completely based on your Wellness status.
Eligibility Criteria
Minimum Age at Issue |
18 Years |
Maximum Age at Issue |
65 Years |
Policy Term |
30 to 82 years, subject to maximum age at maturity |
Available Premium Payment Term Options |
5 to 67 years |
Premium Payment Frequency Options |
Pay your premiums either Annually, Half Yearly, Quarterly or Monthly. |
Maximum Age at Maturity |
Base Cover - 100 Years |
Minimum Sum Assured |
Base (Life Cover) – Rs. 50 Lakh |
Maximum Sum Assured |
Base (Life Cover) – No Limit |
Age as on the last birthday.
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 payment to be made if I purchase the Param Rakshak 2.0 solution?
If you are purchasing the Tata AIA Life Insurance Param Rakshak 2.0 solution, your minimum premium amount is determined by the following premium payment terms:
Limited Pay 5-6 years: ₹20,000 per annum
Limited Pay 7-9 years: ₹18,000 per annum
Other Premium Payment Terms: ₹15,000 per annum
What is the frequency of premium payments for this type of life insurance plan?
Life insurance premium payments can be made annually, half-yearly, quarterly or monthly.
How do I raise a claim for the coverage under this life insurance policy?
To raise a claim, you have multiple options to choose from to reach out to us. Here is how you can do it:
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
Disclaimer
- THE LINKED INSURANCE PRODUCT DO 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 Rakshak 2.0 solution comprises of Tata AIA Smart Sampoorna Raksha Pro - Non-participating, Unit-linked, Individual Life Insurance Savings Plan (UIN:110L172V02) Tata AIA Vitality Protect Plus - A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V03 or any other later version). Tata AIA Smart Sampoorna Raksha Pro is also available individually for sale.
- 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. The customer is advised to refer the detailed sales brochure of respective individual product and riders mentioned herein before concluding sale.
- 25-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.
- 3Some 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.
- 4All 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
- 5©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.
- 6Income 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.
- 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.
- 7Tata 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 rider brochures for additional details on health and wellness benefits.
- 8On enrolling into the wellness Program, you get an upfront discount of 5% on first year premium for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care Benefits and of 10% on first year premiums of the other benefit options. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the upfront rewards and annual rewards _ex together shall be 15% for Accidental Disability Care and 30% for all other benefit options. Discount is driven by accumulated points which is achieved through wellness status. Please refer policy document for more details.
- 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 Life Insurance Smart Sampoorna Raksha Pro 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). All investments made by the Company 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 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 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 benefits payable under the Policy.
- For more details on benefits, premiums and exclusions under the product or rider, please refer to the Brochures or contact Tata AIA Life's Insurance Advisor/Intermediary/ Branch.
- L&C/Advt/2024/Sep/2676
