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Param Rakshak Prime solution comprises of Tata AIA Smart Sampoorna Raksha Pro, A Non-participating, Unit linked, Individual Life Insurance Savings Plan (UIN: 110L172V02) and Tata AIA Vitality Protect Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V04) Tata AIA Smart Sampoorna Raksha Pro is also available individually for sale.
Personalise your plan as per your priorities.
Top rated funds
Our funds have been rated 4 or 5 star5 by Morningstar6
Flexi premiums
Choose Premium Payment Term basis your affordability starting 5 years up to 85 years.
Second Income
Create second income with Systematic Withdrawal Plan.
Inbuilt coverage for
Terminal Illness
Access to Tata AIA Vitality program2
Earn up to 10% upfront premium discount4 on 1st year rider premium & up to 30% discount4 on rider premium 2nd year onwards
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The life cover under this policy offers a lump sum benefit to your loved ones in the case of any unfortunate event.
Apart from the total fund value as maturity7 amount, you will also get back all the rider premiums paid by you at the end of the policy term.
In case you are diagnosed with a terminal illness, you can receive up to 50% of your sum assured under your life insurance policy.
Earn rewards for following a healthy lifestyle through the Tata AIA Vitality Wellness2 Program with the benefit of up to 10%4 upfront premium discount on rider premiums in the 1st year.
Eligibility of Param Rakshak Prime
Plan Parameters |
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Minimum Age of Entry |
23 years |
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Maximum Age of Entry |
65 years |
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Maximum Maturity Age |
Base Cover – 100 years Term Booster – 100 years |
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Policy Term |
Min: 85 less entry age Max: 100 less entry age (Whole of Life) |
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Premium Paying Term |
Limited Pay: 5 years to up to 85 years of age Regular Pay |
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Minimum Premium9 |
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 |
Single, Annual, Half-yearly, Quarterly and Monthly |
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Sum Assured |
Minimum |
Maximum |
Base (Life cover), including Term with Terminal Illness Rider (TTI) – 1 Crore |
Base (Life cover), including Term with Terminal Illness Rider (TTI) - No Limit |
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Age as on Last Birthday
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 1 Crore.
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.
Looking to buy a new insurance plan?
Our experts are happy to help you!
What does Param Rakshak Prime comprise of?
Param Rakshak Prime comprises of comprehensive life insurance coverage with market-linked returns1 boosted by in-built rider10 option with the Wellness Program2 under Tata AIA Vitality.
How does the Wellness Program work?
The Wellness2 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 Program, 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 Wellness2 Program, you get an upfront discount4 of up to 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 Prime?
The maturity benefit offered under this policy is the total fund value of your investment at 4% or 8%&, as maturity7 amount including loyalty additions and other refundable charges, along with the return of all the rider premiums paid towards the life insurance policy.
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