Aviva Young Scholar Secure Plan

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Aviva Young Scholar Secure Plan is a non-linked non-participating savings plan which is designed to help you meet your child’s educational milestones without financial worries. The unique benefit payout intervals of the plan help you plan in advance for your child’s school fees, college expenses, and higher education. The benefits payable under the plan remain intact even when you are not around to pay the due premiums.

The plan is available in 4 variants featuring different amounts for the survival and maturity benefits to secure your child’s future. You can further enhance the coverage of the plan by opting for a Term Plus rider which provides additional sum assured in case of life’s assured untimely demise.

Best Features of Aviva Young Scholar Secure Plan

 Aviva Young Scholar Secure Plan comes with the following key features - 

  1. Plan Variants - The plan is available in 4 variants namely Silver, Gold, Diamond, and Platinum, featuring a different amount for the survival and maturity benefits payable under the plan.
  2. Benefits - The plan provides 3 kinds of survival and maturity benefits - Tuition Fee Support, College Admission Fund, and Higher Education Reserve to help you meet different educational milestones of your child. 
  3. Premium Waiver Benefit - In case of a death of the life assured, all the future premiums are waived off and the plan continues till maturity with all the benefits payable.
  4. Rider Option - You can choose to provide an additional sum assured to your family in case of your unfortunate death by opting for a Term Plus rider.
  5. Policy Revival - A lapsed policy can be revived within 5 years from the date of the first unpaid premium. Along with all due premiums, a revival fee of INR 250 along with an interest of 9% per annum compounding monthly is payable on all unpaid premiums.

Benefits of Aviva Young Scholar Secure Plan

The following benefits are payable to the investors of Aviva Young Scholar Secure Plan - 

            1. Survival And Maturity Benefit

The survival and maturity benefits are payable in accordance with the plan variant opted by you at the time of policy inception - 

Plan Variant

Survival Benefits

Maturity Benefit

Tuition Fee SupportCollege Admission FundHigher Education Reserve
SilverINR 15,000INR 40,000Remaining Maturity Sum Assured
GoldINR 20,000INR 1 LakhRemaining Maturity Sum Assured
DiamondINR 40,000INR 2.5 LakhRemaining Maturity Sum Assured
PlatinumINR 80,000 - INR 4 LakhINR 6 Lakh - INR 30 LakhRemaining Maturity Sum Assured

            2. Death Benefit

In case of an unfortunate death of the life assured, the following benefits are payable at the policy anniversary immediately following the life assured’s death or at the time when the child attains the required age limit.

  • Tuition Fee Support (TFS)
  • College Admission Fund (CAF)
  • Higher Education Reserve (HER) equivalent to maturity sum assured less TFS + CAF already paid.

Payment of Benefits

When the Child’s Age is

Entry Age of Child






























 Aviva Young Scholar Secure Plan Eligibility

Aviva Young Scholar Secure Plan comes with the following eligibility conditions -

Eligibility Criteria For Aviva Young Scholar Secure Plan

Minimum Age At Entry

Parent (life assured): 21 years 

Child (beneficiary): 0 years

Maximum Age At Entry

Parent (life assured): 50 years 

Child (beneficiary): 12 years

Maximum Age At Maturity

Parent (life assured): 71 years 

Policy Term

21 years minimum entry age of child

Premium Payment Term

For child’s entry age 0-8 years: 13 minus age of child

For child’s entry age 9 to 12 years: 5 years

Premium Frequency

Yearly, Half-yearly, Monthly

Fixed Premium Amount


Plan Variant

Annualised Premium

Half-yearly Premium

Monthly Premium


INR 33,000

INR 17,000

INR 2,900


INR 50,000

INR 26,000

INR 4,400


INR 1 Lakh

INR 51,500

INR 8,800


INR 2 Lakh - INR 10 Lakh

INR 1,02,500 - INR 5,12,500

INR 17,500 - INR 87,500


Death Sum Assured

Death sum assured is equal to highest of 10 times of the

annualised premium, maturity sum assured, or 105% of the

total premiums paid till date of death

Maturity Sum Assured

Maturity sum assured depends on the age of the lifer assured, policy term, and plan option

 Aviva Young Scholar Secure Plan Review

Aviva Young Scholar Secure Plan is an investment solution for helping you meet your child’s educational dreams with financial ease and stability. The plan provides planned payouts at different ages attained by the child to enable you pay for his/her educational expenses in a systematic manner. The plan is available in 4 variants to allow you choose the amount of survival and maturity proceeds as per your requirements. With its premium of waiver benefit, the plan ensured that the educational dreams of your child do get fulfilled even in your absence. It is a suitable plan for individuals looking for a child-oriented savings plan which takes care of their child’s education from the very beginning till the end.

Aviva Young Scholar Secure Plan FAQs
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  • Registration No. 700. Valid till 16/02/2023
  • CIN - U66000DL2019PTC355671