have explored this plan recently!
Share your details to get a call back.
Share your details to get a call back.
I’m always by your side on your wellness journey!
Discover the Health Buddy variant under respective propositions.
- Health Buddy Enhance
- Health Buddy Elevate
- Health Buddy Active
- Wellness benefits through Tata AIA Health Buddy
- 15% Lower Premium1 for women
- Additional discount2 for single mothers
- Premium waiver3 on husband's accidental death
- 12-month Premium Break4 during pregnancy
- Doctor Consultations: Online & In-person
- Medical Second Opinion
- Preventive Health Check up***
- Medicines, Tests & Spectacles
- Wallet for Vaccinations like HPV
- Dedicated Case management
- Lifestyle & Condition Management Program
- Dental Care, Physiotherapy & other services*
- Wellness benefits through Tata AIA Health Buddy
- Comprehensive Health Cover
- Market-linked Returns~ (Tata AIA Multi Cap Fund delivered 28.27% Returns^^
in last 5 years (Benchmark: 19.31%) Data as on 31 July 2025 - Doctor Consultations: Online & In-person
- Preventive Health Check up**
- Wallet for Medicines & Lab Tests
- Lifestyle & Condition Management Program
- Dental Care, Physiotherapy & other services*
- Wellness benefits through Tata AIA Health Buddy
- High Life Cover
- Market-linked Returns~ (Tata AIA Multi Cap Fund delivered 28.27% Returns^^
in last 5 years (Benchmark: 19.31%) Data as on 31 July 2025 - Teleconsultations
- Medical Second Opinion
- Preventive Health Check up**
- Discounted Medicines & Lab Tests
- Discounted Vaccinations like HPV
- Dedicated Case management
Catch these quick videos to learn how to make the most
of your Health Buddy benefits!
Ready to go deeper? Get your dose of everyday wellness wisdom.
Now, let’s put this knowledge into action with smart tools & calculators.
The results speak — now see how others have transformed their lives.
Real People, Real Transformations
Wish to get wellness stories straight to your inbox?
Frequently Asked Questions (FAQs)
- What are the wellness benefits under Tata AIA Health Buddy? Tata AIA Health Buddy provides both HEALTH and WELLNESS benefits. Wellness benefits include health check-ups, in-clinic consultations, teleconsultations, pharmacy discounts, dental/physiotherapy, second medical opinion and much more, basis respective proposition selected.
- How can I avail the wellness services under Tata AIA Health Buddy? Step 1: Download Tata AIA Life Insurance App on your device. Step 2: Install and Sign-up. Step 3: Log in to access your account. Step 4: Avail services by clicking on the Health Buddy card.
- What are the variants for Tata AIA Health Buddy wellness benefits and their respective benefits? Tata AIA Health Buddy offers wellness benefits that have been branded under multiple variants such as Health Buddy Classic, Health Buddy Elevate, Health Buddy Enhance and Health Buddy Activ. To know which variant the policy owner is eligible for, and their respective benefits, please refer to cover letter in the BI of your policy kit.
- What is the eligibility criteria for access to Tata AIA Health Buddy wellness benefits?
- You should have a policy which is eligible for this benefit. (Refer to cover letter in the BI)
- Policy needs to be active.
- Will Tata AIA Health Buddy wellness benefits be complimentary or I have to pay extra? Health Buddy Classic and Health Buddy Activ - complimentary. Health Buddy Elevate & Health Buddy Enhance - available for a nominal premium which is already part of Tata AIA Health Buddy benefits premium.
- How can discounts / medicine purchase / diagnostic test booking services be availed? Only through the Tata AIA Life Insurance app. Load More
- Will wellness benefits under Tata AIA Health Buddy be offered globally? No, only in India and on an Indian phone number.
- Is Indian phone number mandatory for the NRIs? Yes.
- Will wellness benefits under Tata AIA Health Buddy be offered globally? Health Buddy Classic and Health Buddy Activ – No waiting period.
Health Buddy Elevate and Health Buddy Enhance - Waiting period of 30 days from Policy issuance date. - Are these benefits transferrable? No, the benefits are not transferrable.
- Whom should I contact in case of query? Call Tata AIA customer care services on 1860 266 9966 or write to customercare@tataaia.com
- Wellness benefits under Tata AIA Health Buddy are provided on reimbursement basis or cashless? Health Buddy Activ and Health Buddy Classic - These are complimentary services and can be availed through Tata AIA Life Insurance App on cashless basis only.
Health Buddy Elevate - If the network provider is not available within a defined range of 5 kms from your location, only then reimbursement will be allowed. Applicable amount will be added in the respective wallet.
Health Buddy Enhance – Both cashless and reimbursement. In case of reimbursement, applicable amount will be added in the respective wallet. - Number of usages allowed for each wellness benefit under different variants. Details are available on Tata AIA Life Insurance app à Health Buddy section.
- Can I add/delete wellness benefits under Tata AIA Health Buddy? No, it comes as a package.
- In available variants, do I have provision to remove selective benefits? No
- Can I switch between variants? No
- Wellness benefits under Tata AIA Health Buddy are available for Life Assured or Policy Owner or full family? Health Buddy Classic & Health Buddy Activ - Life Assured.
Health Buddy Elevate & Health Buddy Enhance - Life Assured and all the respective members added at the time of policy issuance. - Will all the members covered under the policy Tata AIA Health Buddy, get separate number of wellness benefits? Health Buddy Health Buddy Activ & Health Buddy Classic – only life assured is eligible.
Health Buddy Enhance & Health Buddy Elevate - depending on the type of enrolment done for each member of the policy, the benefits will be available either on shared or individual basis. - Does the Health Buddy Enhance variant include benefits for self, spouse, children, and parents by default or the Life Assured (LA) has to choose the beneficiaries? Life Assured can choose for whom he/she wants the Health Buddy Enhance benefits and accordingly the premium will be charged. The starter pack is of 2A means 2 lives (with/without Life Assured).
- How many members are eligible for Health Buddy Enhance benefit? Two (2A is the starter pack - 2A means 2 lives: with/without Life Assured).
- How many family members are mandatory for Health Buddy Enhance? Two
- When should one furnish details of family members for Health Buddy Enhance?Only at the time of buying the policy.
- When should one furnish details of family members for Health Buddy Enhance? Only at the time of buying the policy.
- Are the service provider’s doctors qualified to conduct teleconsultations?
- Service Provider follows a strict verification process for all the doctors providing online consultation services.
- All the doctors are well qualified as per the Medical Council of India guidelines.
- Documents related to degree along with medical council registration certificates are thoroughly verified and the soft copy is stored in their repository.
- What will be the role of Tata AIA Life Insurance once a customer engages with service provider? Once you are engaged with the service provider, Tata AIA Life Insurance is not involved in any teleconsultation services or other related services availed by you pursuant to tele- consultation service. Service Provider will only inform Tata AIA Life Insurance about the customers who have opted for the services with them.
- I availed wellness benefits under Tata AIA Health Buddy with service provider, and now I am applying for new or increased cover with Tata AIA Life Insurance. Do I need to tell Tata AIA Life Insurance about it? In accordance with your duty of disclosure, you are obligated to disclose any of this information to the extent it may be relevant in the event of any future application for insurance (including any increased or varied cover) or changes to existing insurance contract.
- Will Tata AIA Life Insurance cover the costs of the recommended treatment? No, this will be up to you to cover if you wish to go forward with the treatment.
- If the medical recommendation goes wrong, who will be responsible and assume liability? Tata AIA Life Insurance does not take any responsibility or liability for the medical recommendation of service provider.
- Does Tata AIA Life Insurance require that I use wellness benefits under Tata AIA Health Buddy? No, it is absolutely your choice whether you wish to avail these services.
- Will Tata AIA Life Insurance have access to the medical information resulting from me availing wellness benefits under Tata AIA Health Buddy? Service provider will provide Tata AIA Life Insurance with information about the services provided to eligible customers. This is the information that Tata AIA Life Insurance requires to administer the agreement between Tata AIA Life Insurance and service provider. Service Provider will share the medical details with Tata AIA Life Insurance for the purpose of updating medical history, quality control, audit purposes and administration of the insurance policy, or any other matter relating to the insurance policy under which the person is insured.
- Who will have access to my medical information? Service provider will share your medical information with:
- The relevant specialists (with whom service provider has Confidentiality agreement) in their network, as required. Service provider will request your consent to do this before you engage for this service.
- Tata AIA Life Insurance for the purpose of updating medical history, quality control, audit purposes and administration of the insurance policy, or any other matter relating to the insurance policy under which the person is insured.
- Its network of doctors with your consent.
- How many days will it take to credit the reimbursement amount in my wallet? The amount will be credited within 15 days post receipt of all relevant and valid documents.
- Where can I check Health Buddy Elevate and Health Buddy Enhance network? You can check Health Buddy Elevate and Health Buddy Enhance network on - Tata AIA Life Insurance app > Tata AIA Health Buddy > respective benefit section
- Where can I submit my documents for Health Buddy Elevate and Health Buddy Enhance reimbursement claim? You can submit on Tata AIA Life Insurance app > Health Buddy Enhance / Elevate > Tap on Claim Reimbursement on Homepage > Tap on “Claim Now” on the service card > Choose Upload documents & details and click on Submit.
The claim should be submitted for reimbursement within the same policy year. - Will these benefits get carried forward in next year in case of no claim? No, these benefits will not be carried forward in the next year. The counter for these consultations will restart every subsequent year.
- If the wallet balance remains unused, will that be added to the wallet balance of the next policy year? Health Buddy Enhance - Wallet balance (if any) will be valid for usage till one year only or until next policy year.
Health Buddy Elevate - It gets carried forward. - Is there a separate Ecard for Tata AIA Health Buddy wellness benefits? There is no Ecard. You can simply download Tata AIA Life Insurance app and start using the benefits.
- Is Root Canal Treatment or any other dental procedure like tooth extraction or teeth whitening also included under the dental wellness check-up? Dental treatments are not covered. Only In-Person consultation with Dentist (including Orthodontist) is covered.
- Are pregnancy consultations also covered under Health Buddy Enhance? Yes, up to the limit of 4 online consultations per month and 4 OPD in-clinic consultations per year. In addition, 2 in-person consultations per year with Gynecologist is also available.
- Is pregnancy check-up covered under the 2 in-person Women Care consultations? Check-ups/Procedures will not be covered under woman care. In-Person Gynaecologist consultations for any Women health-related issues/conditions including Pregnancy, Infertility, Menopause will be covered.
- Are the 2 in-person consultations under the Women Care part of the 4 OPD in-clinic consultations or that can be availed in addition? No. They are in addition to the 4 OPD in-clinic consultations.
- Can wallet balance be utilized only on Tata AIA Life Insurance app and at the network hospitals? Yes
- Can the wallet amount for one benefit be utilized for other benefits? No
- Can the appointment be fixed only through the Tata AIA Life Insurance app? Yes
- Can the wallet feature be accessed only through the Tata AIA Life Insurance app? Yes
- Can I have multiple variants for Tata AIA Health Buddy wellness benefits? If you buy multiple products containing different variants, then you shall be eligible for the respective variant under those products.
- What is perceived value? If the actual cost of medical cost goes beyond the value mentioned, will customer get the claim. Example: Enhance Health Check-up perceived value is Rs.5000. If he gets the medical check-up done for Rs. 7000:
- Will he get the reimbursement for Rs. 5000?
- Can he claim the total reimbursement within 1 year with multiple health checkup? For example, Bill of Rs 2000 + Rs 1000 + Rs 1000
- Can Health Buddy wellness benefits be claimed for Lifetime (that is beyond the policy term)? As TATA AIA Health Buddy policy terminates, the benefits offered under the same also terminates.Load Less
Disclaimer
THE LINKED INSURANCE PRODUCT DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT THE POLICY HOLDER WILL NOT BE ABLE TO SURRENDER WITHDRAW THE MONEY INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR.
Tata AIA Health Buddy, Non-Participating, Non-Linked Individual Health Product (UIN: 110N183V01)
Health Buddy Activ, Elevate and Enhance are part of the wellness offerings of TATA AIA Health Buddy. It is the customer’s sole discretion to avail the services. A waiting period of 30 days from the date of issue of the policy is applicable to avail the services of Health Buddy Elevate and Health Buddy Enhance. All medical-related services will be directly provided by the Service Providers and not by Tata AIA Life Insurance. These services shall be subject to the availability of the Service Provider. Tata AIA Life Insurance shall not be liable for any liability arising due to customer opting to avail this feature from the Service Providers. For more details on the benefits covered, please refer to the website, contact our Insurance Advisor/Intermediary, or visit our nearest Branch Office.
Under Health Buddy Activ, services can be availed only by life insured. Under Health Buddy Enhance, it is available for family members as well (as OPD beneficiaries).
#Vaccination at discounted price is available under Health Buddy Activ and Health Buddy Enhance. The discount is through vaccination wallet. (Rs 500 per prescribed vaccination x 4 transactions allowed = Rs 2,000)
*Other services include Yoga, discounts on medicines and tests.
**Health check up includes Thyroid & Diabetes profile, liver & kidney function tests, Vitamin & lipid profile, cancer screening tests, urine test, Vitamin B & D, CBC, ECG, Xray and Sonography (Additionally PAP Smear for Women & PSA for Men)
***Health check up includes Thyroid Profile, HbA1C, BSL, Cholesterol, BMI, Vit B12, Vit D, CBC (For Woman -Additional Test for Anaemia, PCOS, PAP Smear)
^Benefits vary depending on the plan OPD Prime/OPD Elite/OPD Royal
^^Last 5-year returns of Tata AIA Multi Cap Fund as on 31 July 2025
1Women consumers get 15% Lower Premium than men, every year throughout the policy term.
2Single mother discount is a lifetime 1% discount offered to Single Mothers i.e. for women policyholder with a child (including adopted children) who is either single, divorced or the spouse is deceased at the date of inception of the contract.
3Under waiver of premium on husbands’ accidental death, all future premiums payable by the Life Assured shall be waived off and the policy shall continue to stay inforce till the end of the Policy Term. Please refer to the full policy document for more details.
4Premium break due to pregnancy is an inbuilt feature that is allowed twice during the premium paying term, subject to a two-year gap and prior intimation 60 days in advance. This feature activates only after payment of two full years’ premiums. Please refer to the full policy document for more details.
~Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations.
Tata AIA Pro-Fit comprises of Tata AIA Health Pro, A Non-Participating, Unit-linked, Individual Health Insurance Plan (UIN: 110L180V01), Tata AIA Health Secure, A Non- Participating, Unit Linked, Individual Health rider (UIN: 110A050V01) & Tata AIA Health Buddy, , Non-participating, Non-Linked, Individual Health Product (UIN:110N183V01).Tata AIA Smart Health Pro and Health Buddy are also available for sale individually.
Param Raksha Life Pro is designed for combination of benefits of (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). Both are also available for sale individually.
Param Raksha Life Pro + is designed for combination of benefits of (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). Both are also available for sale individually.
Param Raksha Life Maxima + is designed for combination of benefits (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). Both are also available for sale individually.
Param Raksha Life Advantage + 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). Both are also available for sale individually.
Param Raksha Life Growth + 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). Both are also available for sale individually.
Param Raksha Life Pro Advance 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). Both are also available for sale individually.
Tata AIA Premier SIP is a combination of the Tata AIA Smart SIP, a non-participating, unit-linked, individual life insurance savings plan (UIN: 110L174V01), and Tata AIA Health Buddy, Non-participating, Non-Linked, Individual Health Product (UIN:110N183V01). Both are also available for sale individually.
Tata AIA Super SIP is a combination of the Tata AIA Smart SIP, a non-participating, unit-linked, individual life insurance savings plan (UIN: 110L174V01), and Tata AIA Health Buddy, Non-participating, Non-Linked, Individual Health Product (UIN:110N183V01). Both are also available for sale individually.
Tata AIA Premier Pension Secure is designed for combination of benefits of following individual and separate products named (1) Tata AIA Pension Secure - Non-Participating, Unit Linked, Individual Life Insurance Pension Plan (UIN: 110L182V04) and (2) Tata AIA Health Buddy, Non-Participating, Non-Linked Individual Health Product (UIN: 110N183V01). Both are also available for sale individually.
Tata AIA Param Raksha 2.0 is designed for combination of benefits of following individual and separate products named (1) Tata AIA Smart Sampoorna Raksha Pro - Non-Participating, Unit Linked, Individual Life Insurance Pension Plan (UIN: 110L172V03) and (2) Tata AIA Health Buddy, Non-Participating, Non-Linked Individual Health Product (UIN: 110N183V01). Both are also available for sale individually.
Tata AIA Smart Sampoorna Raksha Plus comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN:110L156V04) and Tata AIA Health Buddy, Non-Participating, Non-Linked Individual Health Product (UIN: 110N183V01). Both are also available for sale individually.
Tata AIA Smart Sampoorna Raksha Flexi comprises of Tata AIA Smart Sampoorna Raksha Pro, A Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN: 110L172V03) and Tata AIA Health Buddy, Non-Participating, Non-Linked Individual Health Product (UIN: 110N183V01). Both are also available for sale individually.
Tata AIA Shubh Shakti is a combination of Tata AIA Sampoorna Raksha Promise (Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product) UIN:110N176V07 and Tata AIA Health Buddy (Non-Participating, Non-Linked Individual Health Product) UIN: 110N183V01. Tata AIA Sampoorna Raksha Promise is also available for sale individually without the combination offered/ suggested.
Tata AIA Shubh Shakti is a combination of Tata AIA Sampoorna Raksha Promise (Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product) UIN:110N176V07 and Tata AIA Health Buddy (Non-Participating, Non-Linked Individual Health Product) UIN: 110N183V01. Tata AIA Sampoorna Raksha Promise is also available for sale individually without the combination offered/ suggested.
Linked Life Insurance products are different from traditional insurance products and are subject to risk factors.
The premium paid in Linked Life Insurance policies are subject to investment risks associated with capital markets and publicly available index. The annuity amount/ the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions.
Tata AIA Life Insurance Company Limited is only the name of the Life Insurance Company and Tata AIA Health Pro, Tata AIA Smart Sampoorna Raksha Supreme, Tata AIA Smart SIP, Tata AIA Pension Secure, Tata AIA Life Insurance Smart Sampoorna Raksha are only the names of the Linked Insurance contract and do not in any way indicate the quality of the contract, its future prospects or returns.
Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company. 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. 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).
Health Buddy Activ, Elevate and Enhance are part of the wellness offerings of TATA AIA Health Buddy. It is the customer’s sole discretion to avail the services. A waiting period of 30 days from the date of issue of the policy is applicable to avail the services of Health Buddy Elevate and Health Buddy Enhance. All medical-related services will be directly provided by the Service Providers and not by Tata AIA Life Insurance. These services shall be subject to the availability of the Service Provider. Tata AIA Life Insurance shall not be liable for any liability arising due to customer opting to avail this feature from the Service Providers. For more details on the benefits covered, please refer to the website, contact our Insurance Advisor/Intermediary, or visit our nearest Branch Office.
The products are underwritten by Tata AIA Life Insurance Company Ltd. Insurance cover is available under this product. For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract. Risk cover commences along with policy commencement for all lives, including minor lives. Buying a Health 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 the all the Premiums Paid. In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines. L&C/Advt/2025/Sep/3181
Tata AIA Life Insurance Company Limited (IRDAI Regn. No.110 · CIN: U66010MH2000PLC128403). Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai – 400013. Trade logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. And is used by Tata AIA Life Insurance Company Ltd under a license. For any information including cancellation, claims and complaints, please contact our Insurance Advisor / Intermediary or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at customercare@tataaia.com. Visit us at: www.tataaia.com. L&C/Advt/2025/Oct/3895
BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS
IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complain
