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Top features of Param Raksha Life Pro+

Grow wealth

Get lumpsum maturity benefit by investing in our benchmark beating funds

High life cover

Lump sum benefit to your loved ones in the case of any unfortunate event

Top rated funds

All funds rated 4 or 5 stars³ by Morningstar⁵

Unlimited fund switches

Free switching between funds to match your financial goals or adapt to market changes

Terminal Illness Cover

Advance payout of 10% of sum assured on diagnosis of a terminal illness with term booster⁶

Get Premiums Back

Get back 100% of premiums of Tata AIA Health Buddy at the end of the policy term⁷

Complimentary Doctor Teleconsultations

Connect with top doctors with just a few clicks - anytime, anywhere

Critical Care support

Medical Second Opinion with a range of services to ensure you’re never alone during your critical care journey

Preventive Health checkup⁸ & discounted Vaccination

Get preventive health checkup (includes thyroid, diabetes profile, liver & kidney function tests). Order medicines from home and enjoy extra discounts

Accidental Disability Cover

Comprehensive cover in case of disability due to accident. 2x benefit⁹ in case of accident in public transport

Accidental Death Cover

Comprehensive cover in case of death due to accident. 2x benefit⁹ in case of accident in public transport

0% GST rate

Individual life insurance policies are exempted from GST²

Zero LTCG

No long term capital gain tax²

Save tax up to ₹ 46,800

Avail tax benefits¹⁰ on premium paid as per section 80C

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Tata AIA funds have consistently outperformed benchmarks

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Returns as of Apr'26. Fund ratings by Morningstar as of Apr'26.

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Tata AIA Param Raksha Life Pro+ is a unit-linked life insurance plan that combines market-linked ULIP investments with long-term life cover. It allows you to allocate your premiums across ULIP fund options such as the Multi Cap Fund and the India Consumption Fund, providing Read more diversified exposure based on your investment objectives and risk tolerance. The plan also offers fund switching, partial withdrawals, and systematic allocation features that help you manage your portfolio efficiently. With additional benefits such as protection against terminal illness and flexible premium payment options, Param Raksha Life Pro+ supports long-term wealth creation, delivering 23.21% returns. Read Less

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Eligibility Criteria

Age as on Last Birthday
Plan Parameters
Minimum Age of Entry	18 years
Maximum Age of Entry	65 years
Maximum Maturity Age	Life Cover: 100 years Accidental Death Benefit (ADB) and Accidental Total & Permanent Disability (ATPD): 85 years
Policy Term	30 to 82 years, subject to maximum age at maturity
Premium Paying Term	5 to 67 years
Minimum Premium	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
Premium Mode	Annual, Half-yearly, Quarterly and Monthly
Sum Assured	Minimum	Maximum
	Base (Life cover), including Terminal Illness with term booster: ₹50 Lakh	Base (Life cover), including Terminal Illness with Term booster: No Limit
	ADB and ATPD: ₹45 Lakh	ADB and ATPD: ₹5 Crore

1.What is a Unit Linked Insurance Plan?
A Unit Linked Insurance Plan (ULIP) is a type of life insurance that provides benefits of both life insurance and wealth creation. Premiums paid are partly used to provide life cover, and the remaining portion is invested in a mix of equity, debt, or balanced funds based on the policyholder's preference. There is a monthly deduction for the life cover provided to you from your fund value.

2.What is Terminal Illness with Term Booster in Tata AIA?
The Terminal Illness with Term Booster⁶ is an additional feature that enhances the coverage of your policy. If the life insured is diagnosed with a terminal illness, they will receive 10% of the sum assured under the life insurance policy.

3.What does Param Raksha Life Pro + comprise of?
Param Raksha Life Pro + comprises of comprehensive life insurance coverage with market-linked returns¹¹ boosted by the Wellness Program

4.What is the maturity benefit of Param Raksha Life Pro +?
The maturity benefit offered under this policy is the total fund value of your investment at the time of maturity including loyalty additions and other refundable charges, along with the return of all the premiums paid towards the Tata AIA Health Buddy life insurance policy.

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: 110L179V02) and (2) Tata AIA Health Buddy, Non-Participating, Non-Linked, Individual Health Product (UIN: 110N183V01). 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.
Accidental Death, Accidental Disability, Terminal Illness with Term Booster are available with Tata AIA Health Buddy (UIN:110N183V01).
¹Illustration shows monthly premium of ₹8,848 for Tata AIA Param Raksha Life Pro + for a 30-year-old male, standard life, premium payment term: 10 years, policy term: 30 years with a ₹1 Cr life cover. 4% and 8% are assumed rates of return. 19.87% is the 5-year return of Nifty 500 Index as of October'25. Maturity amount: ₹13,05,258 at 4% returns, ₹31,76,435 at 8% returns and ₹4,57,45,306 at 19.87% returns. The fund value calculation is done by projecting the past returns of Nifty 500 Index after adjusting for all expenses in Tata AIA Param Raksha Life Pro +. The above values have been calculated assuming 19.87% p.a. gross investment returns, which is the past 5-year return of Nifty 500 Index as of October'25.
²No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. For ULIP policies taken on or after 1st February 2021, any payout will be taxable if annual aggregate premium exceeds ₹2.5 Lakh in a financial year. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
³All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of August 2025.
⁴5-year computed NAV for Multi Cap Fund as of November 2025. Other funds are also available. Benchmark of this fund is S&P BSE 200.

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.
⁶The Insured Amount under Terminal Illness with Term Booster option (in Tata AIA Health Buddy) is payable on earlier of death or diagnosis of Terminal illness of the Life Insured. Please refer Terms and Conditions for more details.
⁷On 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.
⁸Health check-up includes Thyroid Profile, HbA1C, BSL, Cholesterol, BMI, Vit B12, Vit D, CBC (For Woman -Additional Test for Anaemia, PCOS, PAP Smear)
⁹Refer to Tata AIA Health Buddy brochure for details.
¹⁰Tax benefits of up to ₹46,800 u/s 80C is calculated at highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium paid of ₹1,50,000 as per old tax regime. Tax benefits under the policy are subject to conditions laid under Section 80C, 80D,10(10D), 115BAC and other applicable provisions of the Income Tax Act,1961. Good and Service tax and Cess, if any will be charged extra as per prevailing rates. The Tax Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.
¹¹The 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
Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits then these will be clearly marked “guaranteed’. If your policy offer variable benefits then it will show two different rates of assumed future investment returns. These assumed rates of return are not guaranteed and these are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including actual future investment performance.
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 another 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 solutions are not guaranteed issuance solutions 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 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.
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/2025/Dec/4691