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Aviva Young Scholar Secure


At Aviva we believe there is no greater insurance in the world than a good education. Education is the bridge between your child’s dreams and reality. This journey has many milestones -schooling years leading up to Board exams, college years and professional courses. Each of the milestones has a cost attached to it right from extra coaching for Boards to reference material for entrance exams to admission fee for a professional course.

Now guarantee funds for each of these milestones with Aviva Young Scholar Secure and provide your child the best education through:

  • Tuition Fee Support (TFS): You will receive guaranteed annual payouts starting at the end of Premium Paying Term and thereafter every year upto age 17 years of your child. This may help you in meeting tuition expenses of your child up to class 12th
  • College Admission Fund (CAF): You will receive a lump sum amount that can be utilized at the time of college admission, when your child turns 18 years
  • Higher Education Reserve (HER): You will receive another lump sum which can help provide for the post graduation expenses, when your child turns 21 years


  • Entry age: Parent: 21-50 years and Child: 0-12 years (last birthday)
  • Policy term: 21 minus age at entry of the child
  • Premium payment term: For entry age 0-8 years of child – 13 minus age of child, For entry age 9-12 years of child: Fixed 5 years
  • Premium Payment Frequency: Yearly, Half-yearly and Monthly
  • Annualized Premium: Silver – Rs 33,000; Gold– Rs 50,000; Diamond – Rs 100,000; Platinum (5 options) – Rs 200,000/400,000/600,000/800,000 or 10,00,000                                                           * Taxes including but not limited to Goods & Services Tax, Cesses as applicable shall also be levied as notified by the Government from time to time. Tax laws are subject to change.
  • Sum Assured: Death Sum Assured is equal to Higher of {ten times of the annualized premium or Maturity Sum Assured or 105% of the Total Premiums paid.

          Maturity Sum Assured will depend on the age of the Life Insured, Policy term and Plan Option.

  • Riders Available: Aviva Term Plus rider 

Easy steps to your plan

Step 1 
Decide the benefit payouts you wish to receive for important milestones of your child’s education.

The answer to this question will influence the plan option and the protection that you will enjoy.

Choose among the following variants. The premiums are fixed under the variants, while Cover Level changes based on your and your child’s age and policy term. Tuition Fee Support:

VariantTuition Fee Support (Rs.)College Admission Fund (Rs.)
Platinum80,000 to 4,00,0006,00,000 to 30,00,000
Step 2 
Choose the premium payment frequency
Annual, Half-yearly or Monthly
Step 3 
Choose the additional protection you desire

 Aviva Term Plus Rider (additional death benefit)


What am I going to get?

Death Benefit:

In the unfortunate event of death of life insured, the following benefits will be payable, provided all due premiums are paid till date:

- Death Sum Assured equal to Higher of {ten times of the Annualized Premium or Maturity Sum Assured or 105% of the Total Premiums paid} . It may be noted that:

i) Any TFS or CAF already paid will not be deducted from the Death Sum Assured;

ii) Future installments of TFS, CAF & HER will be payable on the scheduled dates

- If Aviva Term Plus Rider has been opted for, rider sum assured shall also be payable.

For survival and maturity benefit, please click here

“Annualized Premium” shall be the premium amount payable in a year chosen by the policyholder, excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.

Total Premiums paid means total of all the premiums received, excluding any extra premium, any rider premium and taxes.