In April 2026, Tata AIA Life Insurance Company Limited launched ‘Shubh Health Criti’, a unit-linked life insurance plan (ULIP) in India designed to build a market-linked health fund for long-term medical needs, offering coverage for over 60 critical illnesses and available to individuals aged 18–65 years.
- The plan also features a 30-year premium guarantee and integrates investment growth with structured healthcare preparedness and fund-based health planning.
About Shubh Health Criti Plan:
Structure: The plan integrates Tata AIA Health SIP (Systematic Investment Plan), Tata AIA Health Buddy, and Tata AIA Comprehensive Protection Rider to provide insurance, wellness, and protection features while building a market-linked health corpus.
Benefits: Features include premium waiver on death or disability, accidental death and disability cover, terminal illness benefit with term booster, dual-life Outpatient Department (OPD) cover for family, and return of Health Buddy premiums (if opted).
Wellness: Integrated with the Health Buddy ecosystem, it enables preventive care through screenings and tracking, and provides maturity benefits as total fund value at Net Asset Value (NAV) with eligible premium returns, marking a shift to combined insurance and investment healthcare financing.
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