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Tata AIA Shubh Shakti is a term insurance plan designed for women from Tata AIA Life Insurance. It is a combination of Tata AIA Sampoorna Raksha Promise, a non-linked, non-participating, pure risk term plan, and Tata AIA Health Buddy, a health and wellness product. Both products are also sold separately, so the combination is optional. If the insured woman dies during the policy term, her nominee receives the sum assured as a lump sum, a monthly income or a mix of both. You can choose Life Promise, which is plain term cover with no maturity payout, or Life Promise Plus, which returns the premiums paid if you survive the term. Women get about 15% lower premium rates, and the plan adds features aimed at women: a premium break of up to 12 months during pregnancy, an optional child education benefit that pays a monthly income, waiver of future premiums if the husband dies in an accident, and a 1% discount for single mothers. Health Buddy Enhance adds wellness services such as annual health check-ups, doctor consultations, vaccination support and PCOS and fertility programmes. This is wellness support, not hospitalisation cover. The minimum sum assured is Rs 25 lakh with no upper limit, subject to underwriting.
Women-only term plan that combines Sampoorna Raksha Promise with Tata AIA Health Buddy, with 15% lower premiums for women every year.
Shubh Shakti is best seen as Sampoorna Raksha Promise with a layer of women-focused extras, backed by an insurer with a claim settlement ratio above 99% in recent years. The pregnancy premium break, the waiver of premiums on the husband's accidental death and the optional child education payout are useful for families with one earning woman, and the plan covers homemakers too, subject to underwriting. The price is the thing to check first. Women already get about 15% lower rates on the standalone Sampoorna Raksha Promise, and sample quotes for the two plans are almost the same, so the real difference is the extra features and wellness services, not a cheaper premium. Health Buddy Enhance is wellness and OPD-style support with a 30-day waiting period, so do not treat it as health insurance and keep a separate hospitalisation policy. The pregnancy break is a deferral, not a waiver: you repay the deferred premiums later, and unpaid premiums are deducted from any claim in that period. Compare the final quote with the plain Sampoorna plan, choose Life Promise unless you really want return of premium, and add riders such as critical illness only if you need them.
Tata AIA
Key Insights
Founded
2001
Tata AIA was established 25 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
99.4% CSR, calculated as a 3-year average
Tata AIA settles 99.4% of all claims it receives, demonstrating strong credibility.
Contact Details
1860 266 9966
Headquarters: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai – 400013, Maharashtra, India.
Women policyholders get about 15% lower premium rates than men for the same cover.
Women also get lower rates on the standalone Sampoorna Raksha Promise.
You can defer premiums for up to 12 months during pregnancy while the life cover continues.
Deferred premiums have to be paid back later; conditions apply.
If your husband dies in an accident, future premiums are waived and the policy stays active.
Confirm the exact conditions in the policy wording.
Access to annual health check-ups, tele and in-person consultations, vaccination support, discounts on medicines and diagnostics, and PCOS, fertility and mental wellness programmes.
Wellness support, not hospitalisation cover; 30-day waiting period from policy issue.
With extra premium, the plan can pay a monthly income for your children until age 21 or 25.
Optional add-on with extra premium.
Pays a monthly income for your children until a chosen age of 21 or 25, so their education is funded if you pass away.
Extra premium applies; check the conditions in the brochure.
Pays a lump sum on diagnosis of a covered critical illness (40 illnesses), so you can fund treatment without touching the death cover.
Check the list of covered illnesses and survival period.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
Tata AIA plans and claim process
Shubh Shakti is a term insurance plan from Tata AIA Life Insurance designed for women. It combines Sampoorna Raksha Promise, a pure risk term plan, with Tata AIA Health Buddy, a wellness product. Your nominee receives the sum assured if you die during the policy term.
Shubh Shakti is built on Sampoorna Raksha Promise and adds women-focused features: a pregnancy premium break, waiver of premium on the husband's accidental death, an optional child education benefit, a single mother discount and Health Buddy Enhance wellness services. Both products can also be bought separately.
Not by much. Women already get about 15% lower rates on Sampoorna Raksha Promise, and sample quotes for both plans are very close. The extra value in Shubh Shakti comes from the added features and wellness services, so compare the final quote before deciding.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Tata AIA website before purchasing.
Official Website
tataaia.com
Visit the official Tata AIA website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Pays an extra amount if death is caused by an accident.
Check rider terms and extra premium.
Pays a benefit if an accident leaves you totally and permanently disabled.
Check rider terms and extra premium.
Waive future premiums if you are diagnosed with a covered critical illness or suffer accidental total and permanent disability.
Check rider terms and extra premium.
Adds hospital-linked cover with wellness rewards through the Vitality Health rider.
Rider name and benefits should be confirmed with Tata AIA.
You can defer premium payment for up to 12 months during pregnancy and the life cover continues. The deferred premiums have to be paid back later, and if a claim happens during the break, the unpaid premiums are deducted from the payout. Check the conditions in the policy wording.
It is an optional add-on with extra premium. It pays a monthly income for your children until a chosen age of 21 or 25 if you pass away, so their education is protected. Check the exact terms with Tata AIA when you apply.
It offers wellness services such as annual health check-ups, tele and in-person doctor consultations, vaccination support, discounts on medicines and diagnostics, and PCOS, fertility and mental wellness programmes. It is not hospitalisation insurance and has a 30-day waiting period from policy issue.
Entry age is 18 to 65 years, policy term ranges from 5 to 82 years and cover can go up to age 100. The minimum sum assured is Rs 25 lakh with no upper limit, subject to underwriting.
Under Life Promise there is no maturity benefit. Under Life Promise Plus, the premiums paid are returned if you survive the policy term, but this option has a higher premium.
Homemakers can apply, subject to underwriting and family income assessment. Eligible NRI women can also buy the plan, subject to underwriting and documentation requirements.