TATA AIA Shubh Shakti

TATA AIA Shubh Shakti – An Overview

TATA AIA Shubh Shakti is a term insurance offered by TATA AIA Life Insurance. It combines life insurance and health benefits in one plan and meets the special needs of every woman. The plan offers several wellness benefits under Health Buddy Enhance, that provides long-term protection to your loved ones, affordable premiums and value-added health services. This plan offers features to take care of your financial and health care needs, whether you are a salaried professional, a homemaker, an entrepreneur or a single mom.

Key Features of TATA AIA Shubh Shakti Plan

The plan offers several key features such as:

• The plan offers 15% lower premiums for women throughout the policy term.

• One can get comprehensive life cover with optional benefits such as child education protection and waiver of premium on spouse’s accidental death

• The plan comes with a premium break option during pregnancy for up to 12 months

  • Annual health check-ups and women-specific cancer screenings are included.

  • Access to teleconsultations and discounts on medicines.

  • 1% lifetime premium discount for single mothers

  • The nominee can receive an immediate claim payout of 3 Lakhs on the death of the policyholder.

  • The plan provides OPD benefits worth Rs. 64,100/year such as in-person clinic consultations and health check-ups

What are the Benefits of TATA AIA Shubh Shakti?

Death Benefit

If the life assured passes away during the policy term, the nominee receives the sum assured. This amount can be used for daily living expenses, loan repayments, or future needs such as children's education, ensuring financial stability for the family.

Terminal Illness Benefits

In case the policyholder is diagnosed with a terminal illness during the policy term, the 50% sum assured will be paid early to help the policyholder seek quality medical aid 50% will be paid on death.

Lifetime Discounted Premium for Women

Women enjoy a 15% lower premium than male policyholders throughout the Premium-Paying Term (PPT). This consistent discount offers substantial long-term savings and makes it easier to maintain life cover without straining the budget.

Premium Break During Pregnancy

The plan offers a premium break option during the pregnancy. The benefit can be availed up to 12 months without losing the coverage. However, the premiums due for the break periods must be paid with the next scheduled premium payment to ensure continued coverage.

Child Education Protection (Optional with extra premium)

By paying an additional premium, you can secure your child’s education with monthly payouts until they turn 21 or 25. This benefit makes sure that even in your absence, your child gets a higher education and secures theirnfuture.

Waiver of Premium on Husband's Accidental Death

In the unfortunate event of the policyholder’s husband's death in an accident during the premium payment term, all the future premiums will be waived off. This benefit protects the policyholder and their family from an additional financial burden during difficult times.

Single Mother Discount

Under this plan, a single mother will get a 1% lifetime premium discount, which helps them to manage their added responsibilities and makes a term plan more affordable for them.

Immediate Claim Payout of 3 Lakhs

Upon the policyholder's death, the nominee can receive an immediate claim payout of 3 Lakhs, provided the policy has completed 3 policy years, and the sum assured exceeds 1 Crore.

Wellness Benefits

This term insurance plan by TATA AIA Life Insurance offers several wellness benefits under Health Buddy Enhance

• The plan provides Annual Health Check-ups for women-specific screening like PAP smears to gauge risk of cervical cancer, anaemia tests to check iron levels, and PCOS tests to check hormonal imbalance, among others for full preventive care designed for women.

• You will get 4 teleconsultations monthly and 4 in-person OPD visits per year for Orthopaedics, Endocrinology, Cardiology, Neurology, Urology and Diabetology.

• Wallet for Vaccinations that covers HPV vaccines, flu shots, hepatitis vaccines, and shingles vaccinations to safeguard long-term health.

• PCOD, IVF counselling, and support for reproductive health needs.

• Lifestyle & Condition Management for diabetes, hypertension, and weight control with expert diet and exercise guidance.

• Discount on medicines, Tests & Spectacles with cashless or reimbursement options.

• Medical 2nd Opinion and optional at-home healthcare services (paid by user).

• Two in-person dental consultations annually, including orthodontist services, with reimbursement of up to ₹1,000 per visit.

• Value-Added Services such as discounts on pharmacy orders, diagnostic services, wellness sessions, fitness programs, and mental health support, such as yoga, meditation, and stress management

How TATA AIA Shubh Shakti for Women Works?

Shubh Shakti for women is one of the TATA AIA Term Insurance plan that is designed by keeping the specific women-related concerns in mind. Unlike any other term insurance, the plan provides coverage for a fixed term that is selected at the time of purchasing the policy.

During this period, if something unfortunate happens to the life assured, a death benefit is paid to the nominee.

You can also enhance your protection by including riders and add-ons benefits 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.

How to Buy Tata AIA Term Insurance Plan from Policybazaar?

Here is how you can buy the Tata AIA Term plans online from Policybazaar:

Step 1: Visit the term insurance page of Policybazaar

Step 2: Fill in the required details like name, gender, contact information, and more

Step 3: Select the right options like smoking habits, occupation types, educational background, and annual income

Step 4: Choose a suitable Tata AIA plan and proceed to pay

Note: You should also check the term insurance benefits if you are planning to purchase the term insurance plan

What is Not Covered Under Tata AIA Shubh Shakti?

Death due to Suicide within the 12 months of Policy Purchase

• The nominee will be entitled to receive 80% of the total premiums paid until the policyholder's death.

• In the Family Plan option, after the payment of the suicide claim, no additional payout will be made, and the policy will terminate.

Last Modified on: 22-09-2026

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