Tata AIA launches ‘Shubh Health Criti’ blending life cover with wellness and investments

New plan integrates critical illness protection, market-linked health fund and preventive care platform for holistic financial and health security

Tata AIA Life Insurance has introduced Shubh Health Criti, a new offering that blends life coverage with an investment-linked health fund designed to grow over time.

Positioned as a next-generation unit-linked insurance plan, Shubh Health Criti goes beyond critical illness protection by encouraging long-term wellness. It offers coverage for over 60 critical illnesses while enabling policyholders to build a dedicated health fund with market-linked returns. The plan also allows tax-free withdrawals for treatment, helping individuals and families stay financially prepared during health emergencies.

At its core, the product reflects a more holistic approach to health and financial planning. It integrates with Tata AIA’s Health Buddy platform, which focuses on preventive care through early detection, health assessments and personalised tracking. By promoting proactive monitoring of conditions such as cancer, heart disease and stroke, the platform supports better outcomes through timely intervention.

Jeelani Basha, Chief Business Officer at Tata AIA Life Insurance, said the offering is designed to shift the focus from reactive coverage to proactive health management, enabling policyholders to build financial reserves while actively managing their well-being.

The plan also includes features such as a long-term premium guarantee, outpatient coverage for families, accidental benefits, and waiver of premiums in case of death or disability. Additionally, policyholders can benefit from tax-efficient access to their health fund and returns on wellness-related spending.

Shubh Health Criti aligns with a broader industry trend that links financial protection with preventive healthcare. By combining insurance, investments and wellness tools, the product aims to support consumers in managing both their health and finances more effectively over the long term.