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Tata AIA Shubh Health Plus

Introducing Tata AIA Shubh Health Plus, a unique health plan designed to beat the rising medical inflation and all future uncertainties. This plan offers market-linked returns¹ with 100% of premiums invested to generate a health fund for medical needs.

Plan Benefits

Zero Premium Allocation

With zero premium allocation charges, your entire investment goes into your chosen fund, maximizing returns from day one.

Grow Your Health fund

Grow your Health fund with Market-linked returns¹.

Accidental Total and Permanent Disability (ATPD)

Get a lump-sum payout for total permanent disability, with 2X benefits if the accident occurs in public transport².

Terminal Illness with Term Booster (TTB)

Get Lump-sum payment on diagnosis of a terminal illness³.

Accidental Death Benefit (ADB)

Additional base sum assured³ and 2x benefit in case of death due to accident in public transport².

Smart Lady Benefit

Women policyholders get an extra allocation (0.25% for single-pay, 0.5% for regular/limited pay), on their investment boosting their wealth creation from year one.

Get Premiums Back

Get option to choose 100% Return of Balance premiums of Tata AIA Health Buddy at the end of the policy term.

Health Buddy Wellness Program⁷

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

Multiple Fund Options

You get the flexibility to invest in a variety of funds to suit your investment needs. Our funds have been rated 4 or 5 stars⁵ by Morningstar⁶.

Income Tax Benefits

Get income tax⁴ benefits as per applicable income tax laws on the premiums paid.

Plan Eligibility

Minimum Entry Age	18 Years
Maximum Entry Age	65 Years
Maximum Age at Maturity	Accidental Total and Permanent disability (ATPD): 100 years Terminal illness with Term Booster (TTB): 100 years Accidental Death Benefit (ADB): 100 years
Policy Term	10 - 40 Years
Premium Payment Term (Years)	5 - 20 Years for Limited Pay and equal to Policy Term for Regular Pay
Premium Mode	Annual, Half yearly, Quarterly and Monthly Mode

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 MONIES INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR.

Tata AIA Shubh Health Plus 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). Tata AIA Health SIP and Tata AIA Health Buddy are 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.
²2x Benefit shall be payable under TATA AIA Health SIP. For more details, please refer to Health SIP T&C.
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.
⁴Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment 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.
⁵All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of December 2024
⁶©2024 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.
⁷Health Buddy Activ 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. For More details please refer to www.tataaia.com
The solutions are not guaranteed issuance solutions, and it will be subject to Company’s underwriting and acceptance. Benefits stipulated are available only if all the premiums are paid as per the premium paying term and the policies are in force till the completion of entire policy term opted for.
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.
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). All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns.
The investment income and price may go down as well as up depending on several factors influencing the market. 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 solutions are underwritten by Tata AIA Life Insurance Company Limited.
All Premiums, Charges, and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses, or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium, charges or interest. Tata AIA Life shall have the right to claim, deduct, adjust, and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy. For more details on benefits, premiums, and exclusions under the Rider(s), please refer to the Rider Brochures or contact Tata AIA Life's Insurance Advisor/Intermediary/ Branch.
For more details please refer Tata AIA Health buddy wellness program page on www.tataaia.com
L&C/Advt/2025/Aug/3063