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Benefits
Market-linked returns
Get market-linked returns on maturity of the policy
Lump-sum benefit
In the event of unfortunate death of policyholder, a lump-sum benefit is paid to family
Accidental death benefit
- Additional sum assured in case of accidental death
- Two times the additional sum assured in case of accidental death in a public transport
Accidental total & permanent disability benefit
- Benefit payout in case of total and permanent disability due to accident
- Two times the benefit payout in case of disability due to an accident in public transport
Criticare Plus benefit
40 critical illness and conditions are covered
HospiCare benefit
- Per day hospitalization benefit at 0.5% of sum assured
- Two times the per day hospitalization benefit if patient is admitted to the ICU
Highlights of Tata AIA Life Insurance Param Rakshak Plus Solution
Age at entry
| Minimum age at issue | 18 years |
| Maximum age at issue | 60 years |
Policy term
| Policy term | 30 to 40 years |
Premium payment term
| Available premium payment term options | Limited pay: 5/10/12 years and Regular pay Rider PPT will be the same as the base plan PPT (Subject to max maturity age of chosen riders) |
Premium payment mode
| Premium payment frequency options | Annual |
Age at maturity
| Maximum age at maturity |
Base cover - 100 years Accidental death benefit, Accidental total and permanent disability benefit - 85 years benefit - HospiCare benefit and Criticare Plus - 75 years |
Sum assured
| Minimum sum assured |
Base (Life cover) – Rs. 50 Lakhs ADB and ATPD – Rs. 50 Lakhs HCB – Rs. 10 Lakhs Criticare Plus – Rs. 20 Lakhs |
| Maximum sum assured |
Base (Life cover) – No Limit ADB and ATPD – Rs. 2 Cr. HCB – Rs. 40 Lakhs Criticare Plus – Rs. 1 Cr. |
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Frequently Asked Questions
If you are purchasing the Tata AIA Life Insurance Param Rakshak Plus solution, the minimum premium amount, depending upon the premium payment term, is as follows.
- Base Plan Premium: 5 Pay – Rs. 60,000 per annum
- Others – Rs. 18,000 per annum
You can pay your premium for this plan annually.
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
You will have to submit the following mandatory documents to buy an insurance policy.
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:
- PAN card
- 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
Riders are additional provisions that you can add on to your basic insurance policy, in order to enhance the protection and the benefits you receive.
With the Tata AIA Life Insurance Guaranteed Return Insurance Plan, you can purchase the following riders.
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