Your details have been successfully submitted. A representative from Tata AIA Life Insurance will call you soon.

Failed

There was some error in submitting details please try again

Tata AIA Health Buddy 

We all aim to create a stable and secure financial future for our loved ones. Yet, life's unpredictability can bring unexpected challenges, like a sudden illness or accident, which can cause emotional and financial stress. Tata AIA Health Buddy offers comprehensive benefits and flexible coverage, ensuring financial security during critical life events. Whether it’s a major diagnosis or any financial emergency, this plan acts as a dependable safety net, allowing you to focus on recovery while staying protected and prepared.

We all aim to create a stable and secure financial future for our loved ones. Yet, life's unpredictability can bring unexpected challenges, like a sudden illness or accident, which can cause emotional and financial stress.
Tata AIA Health Buddy offers comprehensive benefits and flexible coverage, ensuring financial security during critical life events. Whether it’s a major diagnosis or any financial emergency, this plan acts as a dependable safety net, allowing you to focus on recovery while staying protected and prepared.

Key Features

Group-1
All-in-one Health Solution

Create a plan that fits your needs. Choose from a wide range of benefit options to safeguard yourself and your family against illnesses, accidents, and disabilities.

Group-5
Enhanced Coverage

Boost your core coverage with our customisable add-on benefits that offer broader protection.

Group-4
Critical Illness Cover

Stay protected against major health risks with flexible coverage for critical illnesses. Customise your plan based on your needs and life stage.

Group-3
Health Buddy Wellness Program

A complementary wellness program that helps you lead a healthy lifestyle through holistic health management.

Group-2
Tax Benefit

Get income tax1 benefits according to prevailing tax laws to make your protection plan even more rewarding.


Benefit Options

Why Choose Terminal Illness with Term Booster?


Terminal Illness with Term Booster provides support in difficult moments providing your loved ones and you with peace of mind and financial security. 

Key Features:

  • Full Payout: Receive 100% of the Insured Amount upon first occurrence of terminal illness or in the unfortunate event of death, whichever happens first.
  • One-Time Benefit: Paid out once during the policy term ensuring immediate support during crucial times
     

Why Choose ATPD? 


When life changes after an accident, your financial safety net shouldn’t. ATPD offers 100% of the Insured Amount if you’re permanently disabled due to an accident.

Key Features:

  • Lump Sum Payout: With the accident protection plan, you receive a lump sum payout for total and permanent disability.
  • Accident-specific Coverage: Disability must occur within 180 days of the accident.
     

Why Choose ATPD?


When an accident leads to partial or total permanent disability, ATPPD ensures you’re financially supported throughout your recovery. The benefit amount is adjusted based on the severity of the disability.

Key Features:

  • Payout up to 100%: Get up to 100% of the Insured Amount based on severity.
  • Covers All Severities: Protection for both total and partial permanent disabilities.
  • Claim Eligibility: The claim is eligible if the disability occurs within 180 days of the accident.
  • Payout Percentage: Payout percentages vary by nature of loss (as per policy table)
     

Why Choose Cancer Care?


Cancer Care offers lump sum payouts at both early and major stages, helping you focus on treatment and recovery.

Key Features:

  • Comprehensive Coverage: Covers early-stage cancers, Carcinoma-in-Situ, and cancer of Specified Severity.
  • Stage-based Payouts: Get the defined financial support you need on occurrence of the listed cancer conditions
  • Reduced Stress: It helps you to focus on your journey to recovery without the added worry of medical costs.
     

Why Choose CritiCash?


CritiCash helps you stay financially prepared by offering lump sum payouts upon the diagnosis of critical illnesses.

Key Features:

  • Coverage for 57 Critical Illnesses: With coverage for listed critical illnesses, get financial protection for a wide range of severe conditions, including heart disease, cancer, organ failure, neurological disorders, and more.
  • Stage-based Payouts: Get the defined financial support you need per the listed conditions to help you during your treatment and recovery journey
     

Why Choose MegaCI?


Serious illnesses demand serious protection. Mega CI offers flexible, comprehensive coverage so you can prioritise your health, not your bills.

 Plan Options:

  • Mega CI 10: Covers for 10 listed major critical illnesses
  • Mega CI 21: Covers for 21 listed major conditions
  • Mega CI 60: Covers for 60 listed major critical illnesses

Key Features

  • Fixed Coverage at Policy Start: Choose your coverage at policy inception—no changes allowed mid-term
  • Lump Sum Payout:  A lump sum payout will be made upon confirmation of a covered condition.
     

Why Choose SelectCI?


With Select CI, you can customise your protection based on your health needs. Combining coverage for both minor and major illnesses, this plan offers the flexibility to create a customised safety net for you and your family.

Plan Options:


Pick the health coverage that suits you best when you start the policy (your choice stays the same for the full term):

  • Select CI 3/10: Covers 3 minor and 10 major illnesses
  • Select CI 3/21: Covers 3 minor and 21 major illnesses
  • Select CI 3/60: Covers 3 minor and 60 major illnesses
  • Select CI 10/21: Covers 10 minor and 21 major illnesses
  • Select CI 10/60: Covers 10 minor and 60 major illnesses

Key Features:

  • Lump Sum Payout: Receive a defined lump sum payout on the diagnosis of a listed illness.
  • Coverage for All Stages: Protect yourself against both minor and major conditions.
  • Customisation: Get coverage tailored to your health risk profile.
     

Why Choose Cardiac Care?


Every heartbeat matters. Cardiac care offers a lump sum payout upon diagnosis of 12 serious heart conditions, giving you the financial freedom to prioritise your health and recovery.

Key Features:

  • Coverage for 12 Critical Cardiac Conditions: Protect yourself against a wide range of serious heart conditions.
  • One-time Payout: Receive the defined benefit as a lump sum payout on the confirmed diagnosis of any covered heart condition.
  • Reduced Financial Stress: Cardiac Care helps relieve the financial strain during heart-related health events.
     

Why Choose HospiCash?


Staying in the hospital can be stressful, both emotionally and financially.  HospiCash benefit helps ease that burden by offering fixed daily payouts during your hospitalisation, so you can focus on recovery instead of expenses.

Key Features:

  • Daily Hospital Cash: For every 24-hour hospital stay due to illness or injury, receive a fixed amount per day (as chosen).
  • ICU Benefit: Get 2X payout for each day you spend in an intensive care unit, giving you extra support when you need it most.
  • Recuperation Benefit: Get an extra 5% of the annual HospiCash sum if you're hospitalised for 7 or more consecutive days. (Payable once a year; not applicable if death occurs during hospitalisation.)
  • Customisation Options: Choose coverage for 15, 30, 45, or 60 days per year to suit your needs.
     

Why Choose SurgiCash? 


SurgiCash provides a fixed lump sum payout for covered surgeries, helping you manage expenses during difficult times.

Key Features:

  • Wide Surgical Coverage: Get financial support for 133 listed surgeries.
  • Includes Day Care Procedures: Even short-stay surgeries are covered, so you’re protected beyond major operations.
  • Multiple Claims Allowed: You can make more than one claim, as long as the total payouts don’t exceed 100% of the Sum Assured per policy year.
     

Why Choose OPD benefit?


OPD provides a comprehensive and convenient healthcare benefits. It helps schedule physical/Virtual consultations, personalised nutrition guidance, chronic care management and many more to elevate wellbeing with holistic approach towards healthcare.

Key Features:

  • OPD Consultation: In person consultations with General practitioners and specialist.
  • Preventive Health checkup: A detailed preventive health screening covering essential tests to assess overall health and detect early signs of medical conditions.
  • Diagnostics: Avail cashless diagnostic cover for medical expenses as prescribed by medical practitioners through virtual or in-person consultation incurred for outpatient diagnostic test which includes pathology & radiology.

Note: Please refer to Brochure for definitions, exclusions, and detailed terms for all the above listed benefits.
 

Additional Benefits

Accidental Death Benefit

Tata AIA Health Buddy provides financial support in case of death due to an accident to help your family during the difficult time.

Return of Balance Premium

We also offer a return of balance premium option, which refunds the 'Total Premiums Paid' (excluding modal premium loading), minus any claims paid under the benefit option and any premium discounts or cashback earned through the wellness program, as applicable in T&C.

Note: Please refer to the brochure for list of additional benefits available, along with the details.
 

Eligibility Criteria

Parameters

Option

TTB, ATPD, ADB, ATTPD

CritiCash, Select Cl, Mega Cl, Cardiac Care, Cancer Care

HospiCash, SurgiCash

OPD

Entry Age

 

Minor Life

NA

91 Days - 17 Years

91 days – 17 years

Major Life

18 - 65 Years

18 - 85 Years

Maturity Age

 

100 Years

85 Years

100 Years

100 Years

Policy Term (in Months)

 

Return of Balance Premium

Regular/Limited/Single Pay: 120 to 984

Regular/Limited/Single Pay: 120 to 360

NA

NA

Without Return of Balance

Regular Pay: 13 to 984
Limited Pay: 14 to 984
 Single Pay: 12 to 984

Regular Pay: 13 to 360
Limited Pay: 14 to 360
Singe Pay: 12 to 360

Regular Pay: 13 to 240
Limited Pay: 14 to 240
Single Pay: 12 to 240

Regular Pay: 13 to 360
Limited Pay: 14 to 360
Singe Pay: 12 to 360

Premium Payment Term (in Months)

 

 

 

Return of Balance Premium

Regular Pay: 120 to 984

Regular Pay: 120 to 360

NA

NA

 

Limited Pay: 60 to 983

Limited Pay: 60 to 359

 

 

 

Single Pay: 1

Singe Pay: 1

 

 

Without Return of Balance

Regular Pay: 13 to 984
 Limited Pay: 13 to 983
Single Pay: 1

Regular Pay: 13 to 360
Limited Pay: 13 to 359
Single Pay: 1

Regular Pay: 13 to 240
Limited Pay: 13 to 239
Single Pay: 1

Regular Pay: 13 to 360
Limited Pay: 13 to 359
Single Pay: 1

  • TTB: Terminal Illness with Term Booster
  • ATPD: Accidental Total Permanent Disability
  • ADB: Accidental Death Benefit
  • ATTPD: Accidental Total and Temporary Permanent Disability
  • Age as on last birthday

     

Want to buy a new plan?

Our experts are happy to help you!

Looking to buy a new life insurance plan?

Our experts are happy to help you!

Are you an NRI?

Yes
No

+91

1. What are the premium payment modes available under this product?
The premium payment modes under the product are – Single, Monthly, Quarterly, Half-yearly, and Annual.

2.How do I claim the benefits under the product?
To file a claim with us, you can contact us via email or call:
Send us an email: customercare@tataaia.com
Call us at - 1860-266-9966 (local charges apply).
Alternatively, you can also visit any of our Tata AIA Life Insurance Company branch offices to file a claim for the product benefits.

3.Is there a money-back option available?
Yes, the Return of Balance Premium option refunds your paid premiums (excluding discounts/claims) on policy maturity with terms and conditions applicable.

4.What is the entry age for this plan?
Entry age ranges from 91 days for minors to up to 65 years for adults.

5.What is the claim process?
To make a claim, you need to notify the insurer, fill out a claim form, and provide the necessary documents. For cashless claims, you must notify the insurer within 24 hours of hospitalisation or at least 48 hours before the planned admission. The reimbursement claim must be submitted within 30 days of discharge.

6.Can I customise my coverage with add-on benefits?
Yes, you can customise the coverage and enhance it with add-on benefits like overseas treatment booster for broader protection.

 

  • Tata AIA Health Buddy Plan – Non-Participating, Non-Linked Individual Health Product (UIN: 110N183V01)
  • 1Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
  • This product is underwritten by Tata AIA Life Insurance Company Ltd. This product is not a guaranteed issuance product, and it will be subject to Company's underwriting and acceptance.
  • For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
  • Insurance cover is available under the Tata AIA products and are underwritten by Tata AIA Life Insurance Company Limited.
  • L&C/Advt/2025/Jul/2688