Shubh Shakti - Tata AIA’s women centric insurance offerings

Shubh Shakti - Tata AIA’s women centric insurance offerings

Women today juggle multiple financial and personal responsibilities, making life insurance not optional but essential. Tata AIA’s women centric approach, especially through Shubh Shakti, empowers women with:

• Strong financial protection

• Affordable premium structures

• Flexibility during life stages

• Tailored health and wellness support

• Child focused benefits ensuring family stability

By integrating health, financial security, and personal well being, Tata AIA provides a comprehensive shield for women across all life stages.

This creates a future where more women are financially independent, secure, and empowered to lead families with confidence.

The Evolving Need for Women Focused Life Insurance

Growing Financial Responsibilities

Indian women today contribute meaningfully to household income—often as primary earners, co earners, entrepreneurs, or independent professionals. Their financial security directly impacts dependents, including children, aging parents, and spouses.

Gender Specific Health Needs

Health conditions such as cervical cancer, breast cancer, PCOD, IVF needs, pregnancy related risks, and hormonal disorders occur more frequently in women and demand tailored protection and affordable support.

Life Stage Breaks

Women often face income or career interruptions due to pregnancy, childcare, or caregiving roles. Insurance solutions must therefore offer flexibility such as payment breaks and premium waivers.

Financial Inclusion and Independence

With 89% of married women depending on spouses for financial decisions, women-specific insurance encourages financial autonomy and long-term planning.


Why Shubh Shakti ?

The Shubh Shakti plan is a term insurance plan exclusively designed for women, offering broad protection, health support, and affordability.

It merges:

• Tata AIA Sampoorna Raksha Promise (life cover)

• Tata AIA Health Buddy (health + wellness support)

This combination ensures a 360° protection model for women.


Unique Features and Benefits of Shubh Shakti

Lower Premiums for Women

One of the defining attributes of the plan is that it offers 15% lower premiums for women compared to similar plans for men.

This recognizes:

• Longer life expectancy among women

• Lower mortality risk

• The need to make protection affordable for women at all income levels



Lifetime Discount for Single Mothers

Single mothers receive an additional 1% lifetime discount, acknowledging their dual financial responsibilities.



Premium Breaks During Pregnancy

Women can avail two premium holidays of 12 months each after childbirth without losing coverage.

This is crucial for:

• Recovery periods

• Childcare responsibilities

• Temporary loss of income

Comprehensive Health Benefits

Shubh Shakti integrates health and wellness services through Tata AIA Health Buddy, offering:

• Annual health check ups

• PCOS/PCOD support

• IVF counselling

• Vaccination support (including cervical cancer and HPV)

• Teleconsultations



Child Education Protection

One of the strongest family-oriented benefits is child education protection, offering monthly income for up to three children until age 25 in the event of the mother’s death.



Premium Waiver Benefits

Premiums are waived if:

• The husband dies due to an accident, or

• The policyholder suffers an accidental death

• This ensures the policy continues uninterrupted during distressing periods.

L&C/Advt/2026/Mar/1967

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