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    In this policy, the investment risk in investment portfolio is borne by the policyholder.

    Upgrade your wealth and
    wellness     with added protection.


    In this policy, the investment risk in investment portfolio is borne by the policyholder.

    Upgrade your wealth and wellness with added protection.

     

    Param Rakshak IV

    Experience the dual benefit of life insurance with market-linked~ wealth growth,
    accompanied by access to the Tata AIA Vitality wellness program for a holistic
    well-being experience.

     

    Param Rakshak IV

    Experience the dual benefit of life insurance with market-linked~ wealth growth, accompanied by access to the Tata AIA Vitality wellness program for a holistic well-being experience.

    • Grow your wealth with our top-rated funds1

    • Get In-built protection against terminal illness

    • Receive a refund of rider premiums upon policy maturity

    Meet
    an Advisor

    Plan 360° protection with health, wealth and life cover

    Plan 360° protection with health, wealth and life cover

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      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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      Param Rakshak IV solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN: 110L156V03) and Tata AIA Vitality Protect Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V03)

      • Top rated funds
        Our funds have been rated 4 or 5 stars1 by Morningstar2

      • Pay as per convenience
        Limited pay: 5/10/12 years or Regular pay

      • Withdraw funds at no cost
        Partial withdrawals are allowed after 5 years without any charge

      • Get Inbuilt coverage for Terminal Illness
      • Access to Tata AIA Vitality3 program
        Earn 10% upfront premium discount on 1st year rider premium & up to 30% discount4 on rider premium 2nd year onwards
      • Get Tax Benefits 
        Unlock tax5 advantages and increase your savings on investments

      Benefits of Tata AIA Life Insurance Param Rakshak IV


       

      Secure your Family

      This policy provides a lump-sum benefit to your loved ones in the event of any unfortunate circumstances, ensuring life coverage.

      Top Rated Funds

      Grow your wealth growth with Tata AIA's top-performing funds, rated 4 or 5 stars1 by Morningstar2.

      Get Total Fund Value + Rider Premiums Back

      With total fund value as maturity amount, you will also get back all the rider premiums paid by you at the end of the policy term.

      Terminal Illness Cover with Term Booster6

      If diagnosed with a terminal illness, you are eligible to receive 40% of your life insurance policy's sum assured.

      Wellness Program

      Earn rewards for following a healthy lifestyle through the Tata AIA Vitality Wellness Program3 with the benefit of 10% upfront premium discount4 on first year rider premium.

      Income Tax Benefits

      Get income tax5 benefits as per applicable income tax laws and save more.

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      What is Tata AIA Vitality (Wellness Program)3?


      The Tata AIA Vitality is a holistic and comprehensive reward-based wellness 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 discount4 of 10% on your rider policy premium for the 1st 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.

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      Eligibility of Param Rakshak IV
       

      Plan Parameters

      Minimum Age of Entry

      18 years

      Maximum Age of Entry

      55 years

      Maximum Maturity Age

      Base Cover – 85 years

      Term Booster – 85 years

       

      Policy Term

      30 or 40 years, subject to maximum age at maturity

      Premium Paying Term

      5/ 10/ 12 and Regular Pay

      Minimum Premium7

      Base Plan Premium: 5 Pay – Rs. 60,000 p.a.

      Others – Rs. 18,000 p.a.

      Premium Mode

      Annual, Half-yearly, Quarterly and Monthly

      Sum Assured

      Minimum

      Maximum

      Base (Life cover), including TTI rider - 50 Lakh

       

      Base (Life cover), including TTI rider - No Limit


      Age as on Last Birthday

      • How Does This Plan Work?

        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. 

        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 Lakh.

        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.

      Downloads

      Download Leaflet

      Looking to buy a new insurance plan? 

      Our experts are happy to help you!

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      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

      How does the Wellness Program work?

      The Wellness 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 Program3, 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 Program3, you get an upfront discount4 of 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 IV?

      The maturity benefit offered under this policy is the total fund value of your investment at 4% or 8%, as maturity8 amount including loyalty additions and other refundable charges, along with the return of Term Booster rider premium paid towards the life insurance policy. 

      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 IV solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN: 110L156V03) and Tata AIA Vitality Protect Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V03). Tata AIA Life Insurance Smart Sampoorna Raksha is also available individually for sale.
      • Term Booster is available with Tata AIA Vitality Protect Plus (UIN: 110A048V03).
      • ~The 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.
      • 1All funds open for new business which have completed 5 years since inception are rated 4 or 5 star by Morningstar on a 5 year basis as of Nov’ 2023
      • 2©2020 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 the data published on various dates and procured from various sources and (4) shall not be construed as a n 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 traducing decisions, damages or other losses resulting directly or indirectly from the information
      • 3Tata 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.
      • 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.
      • 4On enrolling into the wellness Program, you get an upfront discount of 10% on first year premium of Term Booster Benefit. 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 30% for Term Booster Benefit. Discount is driven by accumulated points which is achieved through wellness status. Please refer policy document for more details.
      • 5Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment 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.
      • 6The Insured Amount under Term Booster option (in Vitality Protect Plus rider) is payable on earlier of death or diagnosis of Terminal illness of the Life Insured. Please refer Terms and Conditions for more details.
      • 7All 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.
      • 8On 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.  
      • Term Booster rider is inbuilt in this solution and is attached at inception if you have purchased this solution. For more details on benefits, premiums and exclusions under the Rider, please contact Tata AIA Life's Insurance Advisor/Intermediary/ branch. 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. The precise terms and condition of this plan are specified in the Policy Contract.
      • 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 solution is not a guaranteed issuance solution 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 Life Insurance Smart Sampoorna Raksha 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/2024/Jan/0213

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