Tata AIA Param Raksha Life Pro

Tata AIA Param Raksha Life Pro is a hybrid life insurance plan that protects the family members in case of a death and also creates wealth through its market-linked returns. Besides financial safety, Tata AIA Param Raksha Life Pro generates an additional income as the market rises.

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₹1 Crore Life cover starting from ⁺

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Customers can choose from flexible premium payment options under this plan to have a safety net against life's unpredictable events.

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 13/day⁺

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day⁺

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day⁺

TATA AIA Param Raksha Life Pro: Plan Overview

The TATA AIA Param Raksha Life Pro Plan is a life insurance policy available for 100 years, giving you the benefit of securing the future of your family. This recently introduced TATA AIA Life Insurance plan gives you the choice between several different types of premiums, Regular Pay and Limited Pay, and fund choices. If anything were to happen, the plan also provides you with additional cover for accidental death and permanent disability.

Secure Your Family Future Today

₹1 CRORE

Term Plan Starting @

Get an online discount of upto 15%^#

Compare 40+ plans from 15 Insurers

⁺Standard T&C Applied

Key Features of TATA AIA Param Raksha Life Pro

Option of either Regular Pay or Limited Pay.
Several choices of fund for growing your money and Enhanced SMART portfolio management approach.
Sum Assured in case of Accidental Death and Permanent Disability.
Get premium discounts of up to 10% in the 1st year and annual renewals on the basis of your wellness condition.
Eligible for tax benefits under relevant laws and Income Tax Act 1961.

TATA AIA Param Raksha Life Pro Eligibility Criteria

Parameters	Minimum	Maximum
Age at Entry	18 years	65 years
Maximum Age at Maturity	Life Cover – 100 years ADB and ATPD – 85 years
Policy Term	30 years	Age at maturity
Premium Payment Term	5 years	Upto 85 years
Sum Assured	Base (Life cover), including Term booster rider - ₹60 Lakhs ADB and ATPD - ₹54 Lakhs	Base (Life cover), including Term booster rider - No Limit ADB and ATPD – ₹10 Crores

Benefits of TATA AIA Param Raksha Life Pro

Below are some of the benefits of the TATA AIA Param Raksha Life Pro Plan:

Life Insurance Coverage: The life cover provided under this life insurance policy ensures that a lump sum amount is paid to your beneficiaries in case of your premature death, thereby securing the financial future of your family in your absence.

Coverage for Accidents and Disabilities: In the event of your accidental death or permanent disability, this plan ensures that you receive extra sum assured, and if this happens during travel in a public vehicle, then there will be double of the extra sum assured.

Terminal Illness Cover: In case the policyholder is suffering from a terminal illness, then 10% of the death sum assured is paid to them.

Maturity Benefit: At the time of maturity of the policy, the total amount of money accumulated in the policy fund, along with the rider premiums, is paid to the policyholder.

Vitality Wellness Rewards: As a result of participation in the Tata AIA Vitality scheme, policyholders get rewards and discounts on premiums.

Sample Premium Illustration of TATA AIA Param Raksha Life Pro

Here’s a table for the Sample Premium Illustration for different age groups for the policy term of 50 years:

Age	PPT	PT	SSR Supreme (₹)	TB (₹)	ATPD (₹)	ADB (₹)	Total Health Buddy Premium (₹)	Total Premium (₹)
35	5	50	68,182	14,530	12,510	20,880	47,920	1,16,102
35	10	50	1,01,124	8,190	7,020	11,790	27,000	1,28,124
35	12	50	86,538	7,030	6,030	10,080	23,140	1,09,678
35	15	50	73,171	5,900	5,040	8,460	19,400	92,571
35	50	50	67,164	3,250	2,790	4,680	10,720	77,884
45	5	40	2,81,250	23,820	11,070	18,360	53,250	3,34,500
45	10	40	1,76,471	13,180	6,120	10,170	29,470	2,05,941
45	12	40	1,47,541	11,320	5,310	8,730	25,360	1,72,901
45	15	40	1,34,328	9,500	4,410	7,290	21,200	1,55,528

How to Buy Tata AIA Term Insurance Plans from Policybazaar?

Step 1: Open the website of Policybazaar and navigate to the “Term Insurance Plan” page.

Step 2: Enter your personal details such as your name, contact details, gender, and date of birth.

Step 3: Input your other details relating to employment status, income, education, and smoking/tobacco habits.

Step 4: Choose the Tata AIA term plan from the list of the plans available to you.

Step 5: Make payment using any of the available modes of payment.

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What is Term Insurance

FAQs

Q: What is the Term Booster in Tata AIA Param Raksha Pro?

Ans: The term booster is a facility that enables the insured individual to get additional benefits in case of diagnosis of his/her being a terminally ill patient, and paying 10% more of the insurance sum as additional compensation along with the normal coverage.
Q: How can I earn rewards through the Wellness Program of my TATA AIA Param Raksha Life Pro Plan?

Ans: Under the Wellness Program, TATA AIA Param Raksha Life Pro Plan provides rewards based on your Wellness Status which you can upgrade as you earn more fitness points. There are 3 fitness levels and your progress is dependent on how the points are accumulated. You get points for finishing online health assessments and hitting your daily and weekly fitness goals. As reward, we offer a 10% discount on your life insurance rider premiums for the first policy year.
Q: What will happen to my TATA AIA PARAM RAKSHA PRO Policy if I die during the policy term?

Ans: If the policyholder passes away duing the term, a lump sum benefit equal to the sum assured covered by the life insurance will be sent to a nominee appointed by the policyholder or to the beneficiary. Besides, if there were any riders such as Accidental Death or Total & Permanent Disability, the payment for the appropriate benefit from these riders would be done as the policy terms. If the terminal illness was at the time of death and terminal illness rider (Term Booster) was opted for, 10% of the sum assured would be given by the Term Booster.

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˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar Insurance Brokers Private Limited does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

+On the basis of your profile

+Rs. 410/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10

+Rs. 410/month (Rs.14/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age rounded off to nearest 10

+Rs. 245 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10

+Rs. 15/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10

+Rs. 504/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 494/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 636/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 918/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,286/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 453/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.582/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 786/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,592/month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 525/month is the starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 68 years of age.

+Rs. 668/month is starting price for a 2 crore term life insurance for an 25 year-old male, non-smoker, with no pre-existing diseases, cover upto 45 years of age.

+Rs. 1,200/month is starting price for a 2 crore term life insurance for an 35 year-old male, non-smoker, with no pre-existing diseases, cover upto 55 years of age.

+Rs. 410/month is starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 577/month is starting price for a 1 crore term life insurance for an 18 year-old Male, self employed, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. ₹361/month is the starting price for a ₹1 crore loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

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