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Shubh Shakti

The Tata AIA Shubh Shakti term insurance for women provides a sum assured and secures their family's financial future. Today, many women manage both personal and Read more professional responsibilities, which makes financial planning important. A term insurance plan helps ensure that your loved ones are not financially burdened in case of your demise. Many insurers also offer lower premium rates or benefits designed to suit women's specific needs. It may also help you manage various needs such as household expenses, loans, or caring for ageing parents. Buying term insurance early may help you get lower premiums. Read less

The Tata AIA Shubh Shakti term insurance for women provides a sum assured and secures their family's Read more financial future. Today, many women manage both personal and professional responsibilities, which makes financial planning important. A term insurance plan helps ensure that your loved ones are not financially burdened in case of your demise. Many insurers also offer lower premium rates or benefits designed to suit women's specific needs. It may also help you manage various needs such as household expenses, loans, or caring for ageing parents. Buying term insurance early may help you get lower premiums. Read less

Get ₹1 Cr. Life Cover at ₹501/month¹

Secure your family’s financial future, today!

jgfhgfjgj 18.5% discount on 1^st year premium²

jgfhgfjgj Discounted HPV vaccinations³ for cervical cancer prevention

jgfhgfjgj Premium break during pregnancy⁴

jgfhgfjgj Child Education Protect⁵

**T&C apply

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Tata AIA Shubh Shakti - A women-first term insurance plan

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What is Shubh Shakti?

Shubh Shakti is a specially designed term life insurance for women that offers a financial safety net tailored to the unique needs and responsibilities of women. It goes beyond basic protection by combining pure life cover with additional wellness support, helping women safeguard both their family’s future and their own health.

Women are increasingly taking on diverse roles professionally, socially, and within families. Ensuring financial independence is therefore critical; Shubh Shakti helps women build a strong financial foundation by providing substantial life cover at affordable premiums.

One of the core strengths of this term life insurance for women is its income replacement capability. In the unfortunate event of the policyholder’s death during the policy term, a predetermined lump-sum death benefit is paid to the nominees. This helps replace the lost income and secure ongoing financial needs such as household expenses, children’s education, loans, or long-term goals.

With rising medical and lifestyle risks such as increased incidence of chronic conditions, women-specific health challenges, and everyday health expenses, this plan also offers wellness and preventive health benefits that help policyholders proactively manage health risks while reducing the financial burden associated with medical care.

How Does Shubh Shakti Works for Women?

Shubh Shakti functions as a female-centric term insurance for women by providing life cover over a fixed term that you select at the time of purchasing the policy. During this period, the insurer agrees to pay a death benefit payout to your beneficiaries if the unexpected happens, ensuring financial support when it’s needed most.

Here’s how the plan operates:

Fixed Term: You choose the duration of coverage (policy term) based on how long you want financial protection, often aligned with key life stages like children’s upbringing or loan repayment periods.
Premium Payment: You need to make regular premium payments throughout the premium payment term. These premiums are generally lower for women than for men and can be paid annually, half-yearly, quarterly, or monthly.
Death Benefit Payout: If the insured woman passes away during the policy’s fixed term, the plan pays a lump-sum death benefit⁶ to the nominee. This payout acts as income replacement, helping the family maintain financial stability without disruption.
Rider Inclusion: You can enhance your protection by including optional riders and add-ons, such as child education protection or waiver of future premiums on accidental death of a spouse. Many of these rider options add valuable financial support without compromising the core life cover.

Additionally, this plan allows temporary premium breaks⁴ during milestones such as pregnancy without impacting your coverage, and it offers health-related services like discounts on tests and doctor consultations, making it a comprehensive choice within term insurance for women.

Wellness benefits under Tata AIA Health Buddy Enhance

For a nominal additional premium, you get access to extra wellness services such as teleconsultations, vaccinations, health check-ups, and discounts on medicines and much more.

Reasons Why Women Need Shubh Shakti by Tata AIA

Here are the reasons to buy a term plan for women.

Financial Security for Family

Term life insurance protects your family financially in case of an unexpected death. It covers everyday expenses, loans, and future educational expenses for your children.

Lower Premiums

Women pay lower premiums than men, which makes it easier to maintain coverage and stay within budget.

Health and Wellness Support

You can keep track of your health by accessing preventive health care services like annual check-ups and cancer screenings.

Flexible Premium Payment Options

There are features that provide financial relief during important life stages, such as premium breaks during pregnancy⁴.

Special Support for Single Mothers

Single mothers⁵ receive special discounts, making it more convenient to secure their families' futures.

Additional Benefits

Benefits like child education³ protection and waiver of premium² on spouse’s accidental death provide extra financial support.

Comprehensive Protection

Shubh Shakti term plan comes with life coverage and medical benefits, providing an all-in-one solution especially suited to the needs of women.

Tax Benefits⁶

Premiums paid towards the Shubh Shakti plan are eligible for tax⁶ deductions under Section 80C of the Income Tax Act, 1961. Additionally, the maturity benefit or death benefit received may be tax-free⁶ under Section 10(10D), subject to prevailing tax laws.

Features of Shubh Shakti for Women

The Shubh Shakti term insurance plan offers following features:

Lower Premiums for Women

Premium rates for women are lower throughout the entire policy term. This makes life insurance more manageable and affordable in the long run.

Comprehensive Life Cover

The plan offers a lump sum amount to your dependents in the event of your death within the policy duration. The money can be used to pay for regular expenses, loans, and future expenses.

Annual Health Check-ups and Specialist Consultations

Women can get annual full-body health checks, including women-specific health screenings, and consultations with specialist physicians through telemedicine or physical visits.

Premium Break During Pregnancy⁴

During pregnancy, women can pause premium⁴ payments for up to 12 months. Such benefits provide temporary financial relief without compromising insurance coverage at a critical time.

Child Education Protection³

With an additional premium, you can add a benefit that helps fund your child's education⁹ until they turn 21 or 25. This helps to secure children's future in your absence.

Waiver of Premium² on Spouse’s Accidental Death

When your spouse dies due to an accident, the insurer will waive future premiums⁸, ensuring your coverage continues.

Health Buddy Enhance

For a nominal additional charge, you can get access to extra wellness services such as teleconsultations, vaccinations, health check-ups, and discounts on medicines.

Value-Added Services

The policy provides discounts on pharmacy purchases (in-shop and home delivery) and access to wellness programs such as fitness plans and mental health consultations for overall wellness.

Exclusive Benefits under Shubh Shakti for Tata AIA women Customers

Tata AIA understands the diverse needs for women. Hence, exclusive benefits are offered for them with Shubh Shakti, which includes:

Discounted HPV vaccinations for cervical cancer prevention

Cervical cancer is one of the most common cancers affecting women, and HPV (Human Papillomavirus) vaccination is a proven preventive measure. With Tata AIA Shubh Shakti, women get access to discounted HPV vaccinations², making early prevention more affordable and accessible.

Lifetime Discounted Premium

Enjoy a 15% lower premium for women compared to male lives, offering substantial savings over time. This reduced premium is applied every year throughout the Premium Paying Term (PPT), ensuring long-term affordability and financial security.

Child Education Protection³

Ensure your child’s higher education is financially secured. With a relatively small addition to the premium, women can add this feature to their term insurance, which helps ensure a monthly payout towards their child’s education until age 21 or 25. This helps provide stability and financial planning for parents.

Premium Break in case of Pregnancy⁴

Flexibility of taking a ¹⁰premium break for up to 12 months during pregnancy, providing financial relief at a crucial time. This break allows policyholders to pause their premium payments without affecting the continuity of their coverage. During this break, the premiums due for the holiday period can be paid in full along with the next scheduled premium payment, ensuring that there are no disruptions in the policy’s benefits.

Waiver of Premium² (WOP) on Husband’s Accidental Death

If the policyholder’s spouse passes away due to any accident during the premium payment term (PPT), the future premiums are waived off. This helps ensure continued coverage, which may reduce the financial burden during your difficult time. Coverage remains active, which helps ensure long-term security for the policyholder and their families.

Single Mothers discount⁵

Term insurance plans offer a 1% lifetime premium discount for single mothers, which helps manage long-term coverage along with their added responsibilities. This discount helps make term insurance plans more accessible and financially affordable.

Wellness benefits under Health Buddy Enhance¹⁰:

Wellness benefits, such as in-person clinic consultations and health check-ups, provide access to essential services that safeguard the policyholder and their loved ones from the financial burden of outpatient treatments.

Detailed benefits under Health Buddy Enhance

Under Health Buddy Enhance, women have multiple benefits such as Annual health check-up, Lifestyle & Condition Management, Women Care, Wallet for Vaccinations, Medicines, Tests & Spectacles Benefit & Specialist consultations.

1. Annual Health Check-up

Benefit from a detailed yearly health check-up that goes beyond standard tests. This check-up includes full-body health check-ups to detect hidden risks early.

Women-specific screenings like PAP smear to detect cervical cancer risk, anemia tests to monitor iron levels, and PCOS tests for hormonal imbalance, ensuring complete preventive care tailored for women and much more.
2. Specialist Consultations (Tele and in-person consultation)

Get 4 Teleconsultation per month and 4 OPD consultation per year with top doctors across specialties that are important for women’s long-term health, including:

Orthopedics (for bone & joint health), Endocrinologists (for thyroid, diabetes & hormone issues), Neurologists (for brain & nerve health), Urologists (for urinary concerns), Diabetologists and Cardiologists to comprehensively safeguard your health.
3. Wallet for Vaccinations
Stay protected against major health risks with a dedicated wallet that helps cover:
- Cervical cancer vaccines (HPV) to reduce future risk.
- Flu shots and hepatitis vaccines to keep your immunity strong.
- Shingles vaccination, crucial especially as you age, for long-term wellness.
4. Women Care

PCOD management programs with diet, exercise and stress control guidance. IVF counselling to help you understand fertility options and make informed choices
5. Lifestyle & Condition Management
Structured programmes to help you manage chronic conditions and lead a healthier lifestyle:
- Diabetes management plans with nutrition and activity coaching.
- Hypertension tracking with regular follow-ups to keep blood pressure under control.
- Personalised weight management guidance, combining expert diet advice with fitness tips to achieve sustainable results.
6. Medicines, Tests & Spectacles Benefit

Discounts on medicines, lab tests, and spectacles. Cashless or reimbursement options that reduce the money you pay from your own pocket for routine health requirements.
7. Medical 2^nd Opinion

Get medical second opinion from specialists, a health concierge for end-to-end support, and a case manager doctor for guidance throughout the process. Additional services such as ambulance (user paid), vaccination inoculation at home (user paid), nurse at home support (user paid), and other healthcare support like equipment rentals (wheelchair, ICU bed, etc.) are also available at the user's expense.
8. Dental Wellness

The Dental Wellness plan includes two in-person consultations with a dentist, including orthodontist services. Cashless reimbursement facility of up to Rs 1000 is also available for each consultation, credited to the wallet.
9. Value Added Services

Under Value Added Services, customers can avail discounted prices in pharmacy ordering for both in-store and home delivery, as well as discounted diagnostics for home sample collection or center visits. Additionally, the plan provides access to wellness sessions, videos, and podcasts, including personalized fitness programs and mental health content such as yoga, meditation, mindfulness, dance fitness, and specialist medical sessions.

Who Should Buy Shubh Shakti?

The following table highlights who should buy term insurance for women.

Women Category	How Term Insurance Helps
Salaried Professionals	Provides a financial safety net for dependants in case of unexpected demise.
Homemakers	Helps secure children’s education and family needs without relying on personal income.
Entrepreneurs	A term plan may help run a business and manage family expenses during a financial crisis.
Divorced or Widowed	Helps ensure long-term protection for children or dependants without a co-earning partner.
Single Mothers	1% lifetime discount¹¹ applicable every year throughout the PPT
Non-Resident Indian (NRI) Women	Term insurance helps fulfil both their international aspirations and family security in India

Things to Consider Before Buying Shubh Shakti for Women

Before buying term insurance for women, consider the following:

Age of the Applicant:

The younger you are, the lower your term insurance premium for women can be. Early purchase can help you ensure coverage for a longer policy term at competitive rates.
Coverage Amount Needed:

Choose a sum assured based on your family’s lifestyle, future responsibilities, and ongoing liabilities like home or education loans.
Income and Financial Dependents:

Ensure the plan acts as your income replacement and supports dependents like children, spouse, or ageing parents during difficult times.
Claim Settlement Ratio of the Insurer:

A high claim settlement ratio indicates the insurer’s reliability in settling claims quickly and without delays.

How to Choose the Best Term Insurance Plan for Women

Here is how you can choose the right term insurance plan for women.

Step 1: Research the Insurers Explore different policy types available across insurance providers.
Step 2: Compare Different Insurers Compare different insurers by evaluating premiums and sum assured based on current responsibilities and future financial goals.
Step 3: Evaluate Riders¹² Review optional riders based on your healthcare needs, career breaks, and family planning.
Step 4: Check Claim History Look for the insurer’s claim settlement ratio and financial stability on the Insurance Regulatory and Development Authority of India (IRDAI) website.
Step 5: Apply Apply for the chosen plan after going through the policy terms, disclosures, and complete documentation process.

You can get a suitable insurance plan for women by following these simple steps. Apply online or visit the insurer’s office to obtain a policy.

When Should You Buy Shubh Shakti for a Housewife?

The following table helps you understand when to buy term insurance for a housewife.

Life Stage	Why it Helps
During Marriage	Buying term insurance during marriage helps protect you and your spouse’s financial future.
During Parenthood	If you buy term insurance during parenthood, it helps you secure your children’s future.
Retirement Phase	Buying term insurance during retirement helps ensure financial security when regular earnings stop.

Why Choose Tata AIA Shubh Shakti Plan for Women?

99.41%

Individual Death Claim Settlement Ratio in FY 24-25

89 Lakh+

Families protected so far⁵

#1 in Retail Sum Assured

Highest retail sum assured of ₹7,90,000 Cr.+⁸

4 Hour

Claim Settlement⁹

600+ Branches

Presence across major cities in India

Pay as per your convenience

Flexibility to choose a premium payment mode as per convenience

⁷T&C apply

Can women buy Shubh Shakti term insurance?

Yes, women can take term insurance. Tata AIA Life Insurance offers a range of term insurance plans designed specifically for women.

Which category of females are eligible to apply for the Shubh Shakti plan?

All women, whether working professionals, homemakers, or freelancers, are eligible for Shubh Shakti term insurance plans from Tata AIA.

What is the maximum age limit to buy the Shubh Shakti plan for females?

The age limit for purchasing Shubh Shakti term insurance plans is until the age of 65.

Why is Shubh Shakti term insurance is more affordable?

Women typically have a longer life expectancy, which results in lower premiums for term insurance plans.

How much coverage does Shubh Shakti Insurance offer for women?

The Shubh Shakti coverage depends on your financial obligations and family needs. Tata AIA can help you calculate an adequate sum assured.

Do Shubh Shakti term plans offer accidental coverage for women?

Yes, Tata AIA’s Shubh shakti term plans offer rider12 like accidental death benefits under Health Buddy for added protection.

Why should women buy Shubh Shakti term insurance?

Shubh shakti term insurance provides financial protection for women and their families, ensuring that financial stability is maintained in case of any unfortunate event.

Can a housewife without income get Shubh Shakti plan?

Yes, housewives can get Shubh Shakti plans based on their spouse’s income or joint family planning.

What are the tax benefits4 of Shubh Shakti plan?

The tax benefits of the Shubh Shakti plan include premium deductions under Section 80C, and maturity claims may be tax-free4, as per applicable tax law.

10.

Should I buy Shubh Shakti insurance for my wife?

Yes, you can buy Shubh Shakti term insurance for your wife, as it helps ensure financial support for the family in case of any unfortunate event.

11.

Can women with pre-existing conditions get Shubh Shakti term insurance?

Yes, a woman with pre-existing conditions can get Shubh Shakti term insurance, but it may be subject to medical checks and a relatively higher premium, depending on the insurer.

12.

How does Shubh Shakti insurance benefit single mothers?

Shubh Shakti term insurance helps single mothers secure their children’s future in case of their untimely death.

Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V11)
Shubh Shakti is a combination of Tata AIA Sampoorna Raksha Promise (Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product) UIN:110N176V11 and Tata AIA Health Buddy (Non-Participating, Non-Linked Individual Health Product) UIN: 110N183V01. Tata AIA Sampoorna Raksha Promise are also available for sale individually without the combination offered/ suggested.
Health Buddy Enhance is 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 these 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 Brochure or contact our Insurance Advisor/ Intermediary or visit our nearest Branch Office.
OPD benefit, Accidental Death Benefit and Accidental Total and Permanent Disability are benefit options available through TaTa AIA Health Buddy. For more details, refer to the product Terms and Conditions.
For more details on the benefits covered, please refer to the Brochure or contact our Insurance Advisor/ Intermediary or visit our nearest Branch Office.
¹As per the duly approved product design and terms & conditions of the product, Illustrated premium of ₹501 is the monthly premium for a 20 yr. old female, Standard Life, Non-Smoker for ₹1 Cr. Sum Assured with Policy Term of 20 yrs. (Regular Pay) under Life Promise Option of Tata AIA Sampoorna Raksha Promise with first year premium discount of 10% for digital purchase and 8.5% for salaried person. Please refer Benefit Illustration for more details.
²As per the duly approved product design and terms & conditions of the product, this product offers first year discount of 8.5% for Limited Pay/Regular Pay and 1% for Single Pay to salaried customers & digital discount of 1% for Single Pay, 10% for Limited Pay/Regular Pay.
³Vaccination at discounted price is available under HB Enhance. Discount is through way of wallet i.e. wallet for vaccinations. (Rs 500 per prescribed vaccination*4 transactions allowed = Rs 2,000).
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
⁵The Child Education Protect benefit provides regular monthly income till the Childs chosen age post death of the life assured. Please refer to the full policy document for more details.
⁶Under 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 in force till the end of the Policy Term. Please refer to the full policy document for more details.
⁷Single 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
⁸Tax benefits of up to ₹46,800 u/s 80C is calculated at highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium paid of ₹1,50,000 as per old tax regime. Tax benefits under the policy are subject to conditions laid under Section 80C, 80D,10(10D), 115BAC and other applicable provisions of the Income Tax Act,1961. Good and Service tax and Cess, if any will be charged extra as per prevailing rates. The Tax Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.
⁶Under Life Promise Plus Option, an amount equal to the 100% of the Total Premiums Paid (excluding loading for modal premiums) shall be payable at the end of the Policy Term, provided the life assured survives till maturity and the policy is not terminated earlier.
⁷OPD Plus, Accidental Death Benefit and Accidental Total and Permanent Disability are benefit options available through Tata AIA Health Buddy. For more details, refer to the product Terms and Conditions.
Please note: This disclaimer can be referenced where the benefits are mentioned in the main content.
⁹Income 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.
¹⁰OPD Plus, Accidental Death Benefit and Accidental Total and Permanent Disability are benefit options available through TATA AIA Health Buddy. For more details, refer to the product Terms and Conditions.
Please note: This disclaimer can be referenced where the benefits are mentioned in the main content.
¹¹89,43,554 families protected till 31st May 2025.
¹²Retail Sum Assured for FY 2023 is Rs 4,43,479 Crore.
¹³Applicable to only non-early claims with more than 3 years of policy duration, non-investigation cases, up to Sum Assured of ₹50 Lakh. Applicable for branch walk in. Time limit to submit claim to Tata AIA Life Insurance is 2 pm on working days. Subject to submission of complete documents. Not applicable for ULIP policies and open title claims.
¹⁴As on 31st March 2025, the company has a total Assets Under Management (AUM) of ₹130,053 Crore
It is the customer’s sole discretion to avail the services and to follow the treatment path suggested by the Service Providers. All medical-related services will be directly provided by the Service Providers and not by Tata AIA Life Insurance. It is available only for Life Insured of active policies for select product/riders. Availing this feature grants permission to service providers to contact the customer about these Health Management Services. These services shall be subject to the availability of the Service Provider.
This product is underwritten by Tata AIA Life Insurance Company Ltd.
The plan is not a guaranteed issuance plan, and it will be subject to company’s underwriting and acceptance.
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.
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 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/Aug/2845