Tata AIA Launches Shubh Shakti to Empower India’s Superwomen For a Healthier, Happier, Fikar-Free Life
FinTech BizNews Service
Mumbai, 5 August 2025: Tata AIA Life Insurance is proud to launch “Shubh Shakti”, a term insurance plan designed specifically for women. It is more than just a life insurance product — it is a holistic protection plan that caters to every woman’s unique life stage and financial needs, empowering her to safeguard herself and her loved ones while continuing to thrive in her personal and professional journey.
Traditionally, the term life insurance industry has been designed with a male-centric approach, focusing largely on the needs of male breadwinners and ignoring the unique challenges women face. But today, Indian women are breaking barriers and emerging as leaders in the workforce, entrepreneurs, and financial decision-makers. As the Female Labour Force Participation Rate has risen to 41.7% in FY24, up from 23.3% in FY18, women are not only contributing economically but are also leading in securing their financial futures.
However, while women are making strides in financial independence, a recent Tata AIA survey revealed that 89% of married women still rely on their husbands for financial planning, with only 44% taking independent financial decisions when given the choice.
This gap highlights the urgent need for a solution that specifically addresses the unique financial needs and challenges of women. The good news? The landscape is changing. In December 2024, 27 million women tracked their credit scores — a 42% rise in just a year — showing a growing awareness and a shift towards greater financial independence.
“Shubh Shakti” — A Celebration of Women’s Strength
“As Indian women take charge of their finances and investments, they are still vastly underinsured, leaving their families vulnerable in the event of tragedy,” said Gayatri Nathan, Chief Compliance Officer at Tata AIA. “With Shubh Shakti, we’re offering a solution that aligns with the strengths of today’s woman, empowering her to secure her family’s future, invest in her health, and lead a life free from worry. It’s about supporting her ambitions, providing peace of mind, and ensuring that she can face life’s challenges without compromising on her loved ones' security.”
Shubh Shakti: A Plan That Protects You at Every Stage of Life
Understanding that women’s needs are multi-faceted, Tata AIA Shubh Shakti is designed to be flexible, comprehensive, and supportive across the various roles that women play in their lives — as mothers, daughters, partners, and professionals.
Women-Centric Benefits
· Premium Holiday During Pregnancy
- Enjoy two premium breaks for 12 months post each delivery. This allows you to focus on your health and baby, without the added financial burden.
- Women receive a premium that is approximately 15% lower than men, applicable every year throughout the Premium Paying Term (PPT).
- The plan also offers 1% lifetime discount on the premium for Single Mothers, which is above the existing 15% discount.
· Special Health Benefits for You & Your Family:
- Women-specific care, including PCOD support, IVF counselling, and weight management
- Vaccination support for cervical cancer, HPV, flu, and more,
- Access to specialist consultations, annual health check-ups, and lifestyle condition management.
· Child Education Protect
Because your children’s dreams should never stop. Get monthly income for up to 3 children until age 25, ensuring uninterrupted education, no matter what life throws your way.
· Waiver of Premium on Husband’s or Accidental Death
In case of an unexpected event, the policy continues without requiring any further payments, ensuring your family’s financial security remains intact.
Tata AIA Health Buddy — Because a Healthier Life Deserves to Be Rewarded
The journey to a healthy, stress-free life begins with the right support. Tata AIA Health Buddy, an integral part of Shubh Shakti, offers women a comprehensive and incentivized approach to wellness. Shubh Shakti, along with Health Buddy, provides an integrated solution to safeguard both health and wealth.
• Wellness That Rewards: Earn rewards for regular health checks and achieving fitness goals.
• Health & Wellness for Family: Extend benefits to your loved ones, keeping the entire family in shape.
• Lifestyle Nudges: Personalized diet tips, activity targets, and rewards for staying fit.
• Affordable: Enjoy premiums that are 15% lower for women, with additional lifetime discounts on digital purchases and salaried profiles.
Be the Shubh Shakti of Your Family
Tata AIA Shubh Shakti is not just a life insurance plan; it is an enabler of strength, independence, and security for women. It offers a comprehensive protection solution with an emphasis on women’s health, family protection, and financial empowerment. With Shubh Shakti, you can continue to dream, live confidently, and lead your family towards a secure, healthy, and financially independent future.
Because strong women deserve protection that’s just as strong.
