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Tata AIA Shubh Health Criti

Tata AIA Shubh Health Criti is a comprehensive fixed-benefit health insurance plan offered by Tata AIA Life Insurance. The plan is designed to provide financial protection against critical illnesses while at the same time helping you build long-term financial security through market-linked¹ investments.

What is Shubh Health Criti?

Tata AIA Shubh Health Criti is a comprehensive health insurance plan for protection against major and minor critical illnesses. This plan also helps one to build long-term financial security. When you’re diagnosed with a covered critical illness like cancer, a heart attack, or a stroke, the plan pays out a lump sum that you can use however you need whether it’s for treatment, recovery, or even everyday household expenses.

Apart from health protection, a part of your premium is invested into market-linked funds, thus helping your money grow over time. This also helps to build a financial reservoir for future healthcare needs. Some of the major benefits under this plan include premium waiver in case of death or total and permanent disability, OPD for doctor consultations and diagnostics, and tax benefits as applicable under prevailing laws.

Backed by health insurance and disciplined savings, Shubh Health Criti helps you stay prepared financially to meet medical emergencies and secure your long-term health goals.

Features and benefits of Shubh Health Criti

The key features and benefits of Shubh Health Criti are as follows:

Major/Minor Critical Illness Protection

Get robust critical illness protection against major illnesses with 30 years rate guarantee ensuring long-term cost stability.

Waiver of premium benefit

In case of death or total & permanent disability, all future premiums are waived²while the policy benefits continue. A family income option is also available to provide additional financial support.

Return of 2x Premium allocation charge

Return of Premium allocation charges, where charges are refunded twice from the 11^th policy year onwards.

Dual life OPD coverage

Get outpatient coverage for doctor consultations, diagnostics, and prescribed medicines. This benefit can cover two family members under a single policy, enhancing affordability and convenience.

Terminal illness benefit with term booster (TTB)

The plan offers a lump-sum payout on diagnosis of terminal illness³, providing financial relief during extremely critical times.

Accidental total and permanent disability (ATPD)

In case of accidental death or total & permanent disability³, the plan provides a lump-sum payout, with up to 2x benefit under specified conditions.

Option of Return of Health Buddy premiums

At the end of the policy term, you can receive 100% return of unused Health Buddy premiums⁴, making it a value-added health protection solution.

Tax-free withdrawals

Withdrawals made for medical purposes are tax-free⁵, subject to prevailing tax laws. This helps you manage healthcare expenses without an additional tax burden.

Top Rated Funds

Our funds have been rated 4 or 5 stars⁶ by Morningstar⁷, reflecting their strong and consistent performance.

Reasons to buy Shubh Health Criti

The key reasons to buy Shubh Health Criti are:

Dual benefit of protection and savings

The plan combines health insurance with long-term, market-linked¹ investment. This helps you protect your health while building financial security.

Lump-sum payouts on diagnosis

Unlike reimbursement-based plans, it provides a lump-sum benefit on critical illness diagnosis. This provides you with complete freedom to use the money as needed.

Customisable critical illness cover

You can choose coverage for 60+ critical illnesses, allowing the plan to match your specific protection requirements.

OPD and dual-life coverage

The plan includes OPD benefits for consultations, diagnostics, and medicines, with coverage extended to two family members under one policy.

Premium protection features

With premium waiver in case of death or disability and an option for return⁴ of Health Buddy premiums, the plan ensures uninterrupted coverage and added value.

Dedicated health fund creation

A portion of the premium is invested to build a dedicated health fund for future medical expenses and life goals.

Eligibility requirements

Eligibility Criteria	Details
Entry Age	Minimum: 18 years Maximum: 65 years
Minimum Maturity Age	TTI, ADB, ATPD, Mega CI, OPD Plus: 23 years
Maximum Maturity Age	Accidental Total and Permanent disability (ATPD): 100 years Terminal illness with Term Booster (TTB): 100 years Accidental Death Benefit (ADB): 100 years Mega CI/Select CI: 85 years OPD Plus: 80 years
Policy Term	10 to 40 years OPD Policy Term: 15 years
Premium Paying Term	Limited Pay (LP): 5 to 20 years Regular Pay (RP): Equal to policy term
Premium Payment Modes	Annual, Half-Yearly, Quarterly, Monthly
Package Premium	Minimum: ₹24,000 per annum Maximum: As per BAUP

Age as on last birthday

Who should buy Shubh Health Criti?

The following individuals can consider buying Shubh Health Criti:

1. Individuals seeking critical illness protection

Those who want financial support through lump-sum payouts in case of a major critical illness diagnosis.
2. Young professionals planning early

Young earners who want to secure their health early while benefiting from long-term, market-linked growth.
3. Families needing dual OPD coverage

Families looking for OPD coverage for consultations, diagnostics, and medicines for two members under one plan.
4. Investors seeking health-focused and tax-efficient savings

Individuals who want to align savings with healthcare needs while enjoying tax⁵ benefits as per applicable laws.
5. Long-term health planners

It’s well-suited for anyone looking to build a reliable medical emergency fund that gives them the confidence to manage future healthcare expenses without unnecessary stress.

Leaflet

Can Health SIP and Health Buddy be bought separately?

Yes, both products are available individually as well.

What happens if I am diagnosed with a critical illness?

You receive a lump-sum payout, which can be used for treatment, recovery, or family expenses.

Are premiums waived in case of disability?

Yes, future premiums are waived² in case of death or total & permanent disability.

Are withdrawals taxable?

Withdrawals made for medical purposes are generally tax-free⁵, subject to tax laws.

Does the plan offer investment returns?

Yes, part of the premium is invested in market-linked funds, allowing long-term growth.

Tata AIA Shubh Health Criti comprises of Tata AIA Health SIP - A Non-Participating, Unit-linked, Individual Health Insurance Plan (UIN: :110L184V01), Tata AIA Health Buddy, A Non-linked, Non-participating, Individual Health Product (UIN: 110N183V01 or any other later version) and Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider
(UIN:110B033V02) - A Non-Linked, Non- Participating Individual Health Rider. Tata AIA Health SIP and Tata AIA Health Buddy is also available individually for sale.
¹Market-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.
²Waiver of Premium on Health Buddy is applicable only on Accidental Permanent and Total Disability occurrence for Future /Family secure option chosen under Shubh Health Criti. Waiver of Premium benefit for Health Buddy is offered through Comprehensive Protection Rider. For more details please refer to the respective rider brochure.
³Accidental Total and Permanent Disability, Accidental Death, and Terminal Illness with Term Booster are available with Tata AIA Health Buddy (UIN: 110N183V01 or any other later version). For more details, please refer to Health Buddy T&C.
Applicable benefits payable under TATA AIA Health SIP are Accidental Total and Permanent Disability and Terminal Illness with Term Booster. Whereas Applicable benefits payable under TATA AIA Health Buddy are Accidental Total and Permanent Disability, Accidental Death Benefit and Terminal Illness with Term Booster. For more details, please refer to Health SIP and Health Buddy T&C.
⁴Health Buddy is part of the wellness offerings of TATA AIA Health Buddy. It is the customer’s sole discretion to avail the services. 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.’
⁵No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. The Tax-Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
⁶All funds open for new business which have completed 5 years since inception are rated 4 or 5 Star by Morningstar as of August 2025.
⁷©2025 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India, and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar”); (2) may not be copied, redistributed or used, by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from data published on various dates and procured from various sources and (5) shall not be construed as an offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates, or agents shall be responsible or liable for any trading decisions, damages or other losses resulting directly or indirectly from the information.
Please know the associated risks and the applicable charges, from your Insurance Agent or the Intermediary or Policy Document issued by the Insurance Company. Please make your own independent decision after consulting your financial or other professional advisor.
The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
The solution is underwritten by Tata AIA Life Insurance Company Limited. The solutions are not guaranteed issuance solutions, and it will be subject to Company’s underwriting and acceptance.
Buying a Life 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 all the premiums paid. Unit Linked Life Insurance products are different from traditional insurance products and are subject to risk factors.
The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the “Company”). Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Health SIP is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
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. Premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions.
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). Life insurance cover is available under the solution. For details on products, associated risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.
Insurance cover is available under the product.
The products are underwritten by Tata AIA Life Insurance Company Ltd.
The plans are not a guaranteed issuance plan 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.
L&C/Advt/2026/Feb/0629