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In this policy, the investment risk in investment portfolio is borne by the policyholder
Secure Your Future with Health, Wealth & Tax Benefits – All in One!
Build a Health Fund with market-linked growth 1
100% of your premiums invested
Enjoy tax-free 4 withdrawals for health expenses
The linked insurance product does not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
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Tata AIA Shubh Health pro Solution comprises of Tata AIA Health SIP, a Non-Participating, Unit Linked, Individual Health insurance Plan (UIN:110L184V03), Tata AIA Health Buddy A Non-linked, Non-participating, Individual Health product (UIN: 110N183V02) and Tata AIA Comprehensive Protection Rider, A Non-Linked, Non-Particiapting, Individual Health Rider (UIN:110B033V05)
The Tata AIA Shubh Health Pro offers both market-linked 1 wealth creation and health protection. With it, you avail more than just a health policy as you get a comprehensive life cover that safeguards your family and allows you to save for the future.
The Tata AIA Shubh Health Pro is a market linked health insurance plan that combines health benefits, life cover, and investment growth into a single plan. As with other health insurance plans, it covers medical expenses associated with illnesses, accidents, or hospitalisations. It is the investment component that sets apart from other insurance plans. In ULIP health insurance plans, a portion of the premium paid by the policyholder is allocated towards providing health coverage, while the remaining portion is invested in various funds, such as equity, debt, or balanced funds, depending on the policyholder's risk appetite and financial goals.
The following are the key features and benefits of this plan:
Your coverage continues even when life takes an unexpected turn. All future premiums are automatically waived if you pass away or become totally disabled, so your loved ones are always protected.
On your 11th policy year, you receive 2X the return of allocation charges, which enhances the long-term growth potential of your investment.
A portion of your premium is invested in market-linked 1 funds, which allow your health fund to grow with the market. To help you reach your future health or life goals, this feature helps you build a strong financial reserve.
If you become totally disabled as a result of an accident, you will receive a lump-sum payment to help you manage financial difficulties. If the accident occurs in public transport, you get 2X the benefit 2 , offering additional security.
During a challenging time, this feature provides you and your family with financial support for medical and personal expenses if you are diagnosed with a terminal illness 3 .
Your nominee receives extra benefits in the event of accidental death 3 , with twofold benefits if the accident occurs on public transit, ensuring the financial security of your family.
At maturity, you receive a 100% refund of balance premiums paid toward Tata AIA Health Buddy 7 , providing extra value and savings.
Save on taxes while protecting your health and wealth with tax 4 deductions under Sections 80C and 80D of the Income Tax Act.
A range of Tata AIA Life funds are available to meet your investment goals and risk appetite, including equity, debt, and hybrid options. Several of these funds have been rated 4 or 5 stars 5 by Morningstar 6 , reflecting their strong and consistent performance.
You can now cover 7 two family members under one plan for outpatient care from doctor consultations and diagnostic tests to prescribed medications.
Shubh Health Pro works by combining the benefits of health insurance and investment. A portion of your premiums is allocated to health insurance coverage, which provides financial protection during medical emergencies. Your remaining funds are invested in funds of your choice: equity, debt, or a combination of both. As a result of this structure, your money grows while your health is protected. The investment grows over time based on market performance, balancing security with wealth creation. The funds you choose can be adjusted as needed to align with your risk appetite. For example, during a market downturn, you might switch to debt funds for stability.
Here are the key reasons to buy the Shubh Health Pro plan:
Minimum Entry Age/Max entry age
Maximum Maturity Age
Accidental Total and Permanent disability (ATPD): 100 years
Terminal illness with Term Booster (TTB): 100 years
Accidental Death Benefit (ADB): 100 years
20 – 40 Years OPD: 15 years
Premium Payment Term
5 – 20 Years for Limited Pay
Equal to Policy Term for Regular Pay
Limited and Regular Pay
Minimum and Maximum Package Premium
Min - ₹ 24,000 p.a. | Max - As per Board Approved Underwriting Policy
Annual, Half yearly, Quarterly and Monthly
Age as on last birthday
Shubh Health Pro is beneficial to the following types of individuals:
Those who want comprehensive health insurance coverage should consider Tata AIA Shubh Health Pro. In this plan, various medical expenses are covered, including hospitalisation, surgery, treatments, and diagnostic tests. This provides peace of mind and security during medical emergencies to individuals who prioritise having extensive health coverage for themselves and their families.
They are appealing to long-term investors. In this plan, a portion of the premiums are invested in equity, debt, or balanced funds, which can yield higher returns over time. An investor who stays invested for a long time can benefit from compounding and market growth, resulting in substantial returns.
Due to the investment component, this type of life insurance policy is subject to market risks. These are suitable for investors who are comfortable with market volatility and fluctuations. Even though market risks exist, they also offer higher returns than traditional insurance plans. The plans may be suitable for investors who are willing to tolerate market risk in exchange for potential growth opportunities.
Flexibility is a key feature of this plan, making it suitable for individuals who value customisation and adaptability. With Tata AIA Shubh Health Pro, you can choose the sum insured, select investment funds, adjust premium payments, and switch between funds. In this way, you can tailor the plan over time to meet your changing needs, financial goals, and risk preferences.
Our experts are happy to help you
Our experts are happy to help you!
It's a Unit Linked Health Plan (ULHP) that combines both. The plan offers health and life coverage and invests part of your premium in market-linked 1 funds.
Yes, there is a Dual-Life OPD Cover that allows two family members to receive outpatient care under one plan.
No, as it's a market-linked 1 plan, returns depend on fund performance.
You can claim tax 4 deductions under Section 80C for investment and Section 80D for health premium payments, as per current tax laws.
Future premiums are waived, and your family continues to stay protected. Additional benefits may apply based on the type of cover chosen.
While traditional health insurance policies pay for the medical expenses only, Unit Linked Health Insurance policies include an investment component. Apart from health coverage, the policyholders can invest a certain portion of the premium in different funds.
Yes, Unit Linked Health Insurance policies do have flexibility and customisation option. A policyholder can customise the sum insured amount, choose to invest in funds that suit their risk appetite, and adjust the premium payments.
Yes, Tata AIA Shubh Health Pro offers you the option to switch funds as per your risk appetite and financial objectives.
A grace period is usually provided by the plan (as per policy terms) if a premium is missed. Missed payments may result in reduced benefits, or premiums may be recovered from the fund value depending on the policy type and duration.
THE LINKED INSURANCE PRODUCT DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE POLICY HOLDER WILL NOT BE ABLE TO SURRENDER/WITHDRAW THE MONIES INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR.
Tata AIA Shubh Health pro Solution comprises of Tata AIA Health SIP, a Non-Participating, Unit Linked, Individual Health insurance Plan (UIN:110L184V03), Tata AIA Health Buddy A Non-linked, Non-participating, Individual Health product (UIN:110N183V02) and Tata AIA Comprehensive Protection Rider, A Non-Linked, Non-Particiapting, Individual Health Rider (UIN:110B033V05)
This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein before concluding sale.
Tata AIA Health Buddy wellness program, along with its scope, service structure and incentivized wellness program (including the reward point structure, not limited to status, parameters, points to be allotted to the parameters, sub limits on each parameter) will be periodically reviewed, and may change in the future basis the experience trends subject to criteria defined in the Board Approved Underwriting Policy (as amended from time to time). Any change to the services will be communicated to the policyholder with a notice period of at least 30 days
1 Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations.
2 2x Benefit shall be payable under TATA AIA Health SIP. For more details, please refer to Health SIP T&C.
3 Accidental Total and Permanent Disability, Accidental Death, and Terminal Illness with Term Booster are available with Tata AIA Health Buddy (UIN: 110N183V01 or any other later version). For more details, please refer to Health Buddy T&C.
Applicable benefits payable under TATA AIA Health SIP are Accidental Total and Permanent Disability and Terminal Illness with Term Booster. Whereas Applicable benefits payable under TATA AIA Health Buddy are Accidental Total and Permanent Disability, Accidental Death Benefit and Terminal Illness with Term Booster. For more details, please refer to Health SIP and Health Buddy T&C.
4 No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. The Tax-Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
5 All funds open for new business which have completed 5 years since inception are rated 4 or 5 Star by Morningstar as of August 2025.
6 ©2024 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India, and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar”); (2) may not be copied, redistributed or used, by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from data published on various dates and procured from various sources and (5) shall not be construed as an offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates, or agents shall be responsible or liable for any trading decisions, damages or other losses resulting directly or indirectly from the information.
7 Health Buddy is part of the wellness offerings of TATA AIA Health Buddy. It is the customer’s sole discretion to avail the 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 website, contact our Insurance Advisor/Intermediary, or visit our nearest Branch Office.
Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
Please know the associated risks and the applicable charges, from your Insurance Agent or the Intermediary or Policy Document issued by the Insurance Company. Please make your own independent decision after consulting your financial or other professional advisor.
The solution is underwritten by Tata AIA Life Insurance Company Limited. The solutions are not guaranteed issuance solutions, and it will be subject to Company’s underwriting and acceptance.
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 all the premiums paid. Unit Linked Life Insurance products are different from traditional insurance products and are subject to risk factors.
The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the “Company”). Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Health SIP is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions.
Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any). Life insurance cover is available under the solution. For details on products, associated risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.
Insurance cover is available under the product.
The products are underwritten by Tata AIA Life Insurance Company Ltd.
The plans are not a guaranteed issuance plan and it will be subject to Company’s underwriting and acceptance.
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.
To know more about the products, features, and eligibility, kindly visit our nearest branch or contact us at +91 22 6984 9300
L&C/Advt/2026/Aug/5007