Bangalore, 27th April 2026 – What if your life insurance actually helped you stay healthy and grew your money while doing it?
Most of us only think about protection or health coverage when something goes wrong. By then, it is often too late to plan. Tata AIA Life Insurance is changing that with Shubh Health Criti, A first of its kind unit-linked life insurance plan that lets you build a dedicated health fund over time. It earns market-linked returns, covers 60+ critical illnesses, and allows tax-free withdrawals for treatment so when you need it most, the money is already there. More information is available at www.tataaia.com.
A fund, not just a policy
Shubh Health Criti reimagines what life insurance and protection can look like. Instead of a traditional payout triggered by diagnosis, this plan lets policyholders accumulate a health fund that earns market-linked returns and can be drawn upon, tax-free, for critical illness treatment, procedures, or associated costs. The plan covers 60+ critical illnesses, locks in premiums for 30 years, and includes a premium waiver in the event of death or disability, so the fund keeps growing even when life doesn’t go as planned. Customers can explore coverage flexibility, eligibility conditions and wellness programme details at www.tataaia.com.
Built for prevention, not just protection
What sets Shubh Health Criti apart is its integration with Health Buddy, Tata AIA’s wellness ecosystem. From cancer screenings and routine health assessments to personalised health tracking, the platform is designed to keep you ahead of risk not just respond to it.
Research consistently shows that early detection of conditions like cancer, cardiac disease, and stroke dramatically improves outcomes. Health Buddy turns that insight into action.
“Health planning has always been reactive- a safety net for when things go wrong. Shubh Health Criti flips that equation. It’s a fund you build, a future you plan for and a wellness ecosystem that keeps you healthier along the way,” said Jeelani Basha Chief Business Officer, Partnership Distribution and Group Business, Tata AIA Life Insurance
Key Features at a Glance
- 60+ Critical Illnesses covered
- 30-Year Premium Guarantee – no surprises, ever
- Market-Linked Health Fund – grows with your investments
- Dual Life OPD Cover – outpatient coverage for you and your family
- Premium Waiver on death or disability
- Terminal Illness with Term Booster
- Accidental Total & Permanent Disability Benefit and Accidental Death Benefit Coverage
- Tax-Free Withdrawals from your health fund
- Return of Health buddy premiums
- Entry Age (age on last birthday): 18/65 years
Learn more
To know more about Tata AIA Shubh Health Criti and its Criti Care benefits, please visit www.tataaia.com.
About Tata AIA Life
Tata AIA Life Insurance Company Limited (Tata AIA) is a joint venture Company formed by Tata Sons Pvt. Ltd. and AIA Group Ltd. (AIA). Tata AIA Life `combines Tata’s pre-eminent leadership position in India and AIA’s presence as the largest, independent listed pan-Asian life insurance group in the world, spanning 18 markets in the Asia Pacific region.
Tata AIA reported a total Premium Income of INR 31,484 crore for FY25, up 23% from FY24. The Company continues to rank among the Top 3 Private Insurers in Individual Weighted New Business Premium (IWNBP) with an IWNBP income of INR 8,511 crore. The Company also achieved industry-leading Persistency performance (based on premiums), ranking #1 in four out of five cohorts. For more information on Tata AIA Life’s product portfolio and retirement solutions, please visit www.tataaia.com.
