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WHY INSURANCE
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- WHY US
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OUR PRODUCTS
- ONLINE
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Term
- Edelweiss Tokio Life – TotalSecure+
- Edelweiss Tokio Life – MyLife+
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Edelweiss Tokio Life – Simply Protect
Edelweiss Tokio Life – Simply Protect
A term plan which waives off premiums on disability and critical illness
A low-cost term plan that ensures your family gets financial support to meet their expenses in the unfortunate event of your death.
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Edelweiss Tokio Life – Protection
Edelweiss Tokio Life – Protection
Protection plan for risk coverage
A protection plan which caters to the need of risk coverage. It helps your family members fulfill their dreams, even in your absence
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Edelweiss Tokio Life – Income Replacement
Edelweiss Tokio Life – Income Replacement
Monthly income replacement plan
An income replacement plan which ensures that your income continues even in your absence. This will provide financial security for your family.
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Investment
- Edelweiss Tokio Life – Wealth Plus
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Edelweiss Tokio Life – Wealth Ultima
Edelweiss Tokio Life – Wealth Ultima
A new age ULIP designed for accumulating your wealth
A ULIP having an option to pay systematically through Systematic Monthly Plan, growing your wealth by capitalizing on multiple choices of Systematic Transfer Plan and utilizing your wealth by opting for Systematic Withdrawal Plan.
- Edelweiss Tokio Life – POS Saral Nivesh
- Edelweiss Tokio Life – GCAP
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Edelweiss Tokio Life – Smart Lifestyle
A life insurance savings plan that keeps pace with your changing lifestyle
A smart plan that grows with you wealth through regular bonuses and additions that also increase with your increased protection
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Edelweiss Tokio Life – Wealth Builder
A wealth enhancement plan with guaranteed returns
A non-market based plan for maximising of wealth with multiple options of policy & premium paying term.
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Edelweiss Tokio Life – Guaranteed Income Plan
Edelweiss Tokio Life – Guaranteed Income Plan
A plan offering guaranteed tax free income
A plan that provides assured benefit at maturity. You pay the premium for 15 years and get the benefit for the next 15 years.
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Edelweiss Tokio Life – Wealth Accumulation (Privilege)
Edelweiss Tokio Life – Wealth Accumulation (Privilege)
A ULIP that fulfills your wealth accumulation needs
A plan with tailor made solutions to match your wealth accumulation needs. You get the flexibility to switch between funds and get an option for partial withdrawals.
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Edelweiss Tokio Life – Dhan Labh
Edelweiss Tokio Life – Dhan Labh
Wealth accumulation endowment plan
A plan which helps you to accumulate wealth to meet your long term goals. You get assured returns and additions.
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Edelweiss Tokio Life – Wealth Enhancement (Ace)
Edelweiss Tokio Life – Wealth Enhancement (Ace)
A single pay premium plan for wealth enhancement
A single pay premium plan for wealth enhancement. Pay premium just once for the policy term & receive a comprehensive cover at maturity
- Edelweiss Tokio Life – Wealth Accumulation Accelerated Cover
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Edelweiss Tokio Life – Milestones Plan
Edelweiss Tokio Life – Milestones Plan
An endowment plan with cash back at regular intervals
A plan which provides cash back at regular intervals, a lumpsum amount along with accrued bonus and protection.
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Edelweiss Tokio Life – Safe n Sure Plan
Edelweiss Tokio Life – Safe n Sure Plan
An endowment plan for wealth accumulation
Ensures growth of your money resulting in a substantial lump sum on maturity. An endowment assurance plan to cater to the need of wealth accumulation.
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Edelweiss Tokio Life – Single Pay Endowment Assurance Plan
Edelweiss Tokio Life – Single Pay Endowment Assurance Plan
A plan in which you pay once and get lifetime benefits
A plan where you pay a single premium and get maturity benefit along with protection.
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Edelweiss Tokio Life – Wealth Accumulation (Cover Plus)
Edelweiss Tokio Life – Wealth Accumulation (Cover Plus)
A ULIP for wealth accumulation and risk cover
A ULIP that caters to your need of investment. You can redirect your future premiums in funds of your choice, get access to your wealth through partial withdrawals and loans.
- Health
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Child
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Edelweiss Tokio Life – EduSave
Edelweiss Tokio Life – EduSave
A plan catering to the need of your child’s education and marriage planning
An endowment plan that provides guaranteed sum assured in pre-defined instalments, tax benefit, loan facility and protection
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Edelweiss Tokio Life – EduSave
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Retirement
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Edelweiss Tokio Life – Immediate Annuity Plan
Edelweiss Tokio Life – Immediate Annuity Plan
Pay once and get guaranteed annuity benefit for lifetime
An immediate pension plan that caters to the need of retirement funding. An option to choose an annuity benefit for both you and your spouse so that your income continues even post retirement.
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Edelweiss Tokio Life – Cash Flow Protection Plus
Edelweiss Tokio Life – Cash Flow Protection Plus
A plan that provides regular cash flow post retirement
Cash flow protection plus provides lifelong tax free income that enables you to sustain current standard of living and have a regular tax free flow of income.
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Edelweiss Tokio Life – Triple Advantage Plan
Edelweiss Tokio Life – Triple Advantage Plan
An endowment plan for retirement funding
A money back plan with three payout options till maturity so that you can have a relaxed and peaceful retirement.
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Edelweiss Tokio Life – Cash Income
Edelweiss Tokio Life – Cash Income
A plan that first gives you regular, increasing and tax free income for 20 years
A plan where you pay premium for 20 years and get protection till age 100. It provides monthly money-back from 21st policy year till 40th policy year and a lump-sum benefit at the end of 40th policy year
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Edelweiss Tokio Life – Pension Plan
Edelweiss Tokio Life – Pension Plan
A pension plan with guaranteed returns & bonus
A retirement solution which provides guaranteed maturity benefit, guaranteed addition of 5% of cumulative premium p.a. for the first 5 years and a reversionary bonus from 6th year onwards.
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Edelweiss Tokio Life – Easy Pension
Edelweiss Tokio Life – Easy Pension
A participating plan to fulfill your retirement needs.
A unit-linked, retirement solution which offers you an option to get part of your fund value as a lump sum amount at your chosen retirement age and rest of the fund value as an annuity for regular income post retirement.
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Edelweiss Tokio Life – Immediate Annuity Plan
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Group
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Edelweiss Tokio Life – Group Credit Protection
Edelweiss Tokio Life – Group Credit Protection
A term insurance plan aimed to provide protection to a group
A term insurance plan that takes care of your outstanding loans in case of an unfortunate event of death.
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Edelweiss Tokio Life – Group employee benefit plan
Edelweiss Tokio Life – Group employee benefit plan
A plan that caters to the need of employees’ retirement
This group product ensures that your employees’ retirement benefits are well managed with the protection of capital and guaranteed return additions.
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Edelweiss Tokio Life – Pradhan Mantri Jeevan Jyoti Bima Yojana
Edelweiss Tokio Life – Pradhan Mantri Jeevan Jyoti Bima Yojana
Financial protection at an affordable premium.
A plan designed under the guidelines of Government of India which provides financial protection at an affordable premium.
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Edelweiss Tokio Life – Group life protection
Edelweiss Tokio Life – Group life protection
A plan that provides protection to employees against death & terminal illness.
A plan which ensures your employees are provided with complete protection.
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Edelweiss Tokio Life – Group Wealth Accumulation
Edelweiss Tokio Life – Group Wealth Accumulation
A ULIP for wealth accumulation needs of employees
Unit Linked Insurance Plan for various employee benefit schemes including gratuity and leave encashment. It provides guaranteed loyalty additions and tax benefits.
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Edelweiss Tokio Life – Group Credit Protection
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Micro
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Edelweiss Tokio Life – Raksha Kavach
Edelweiss Tokio Life – Raksha Kavach
A protection plan for the rural population
This plan helps you avail your life cover requirements and comes in lower ticket sizes with both single payment and regular payment options.
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Edelweiss Tokio Life – Dhan Nivesh Bima Yojana
Edelweiss Tokio Life – Dhan Nivesh Bima Yojana
An endowment plan designed for the rural customers
A plan which caters to the need for saving of the rural customers.
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Edelweiss Tokio Life – Raksha Kavach
Confused about choosing the right plan? Our experts can guide you
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- GUIDANCE
- CUSTOMER SERVICE
the buzz
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5 OCT 2016
Cancer Causes, Treatment And Planning
According to a study published Online First by The Lancet, breast, cervical and stomach cancers are responsible for the majority of cancer deaths among women in India, while lung, oral and stomach cancers are the leading causes of cancer death in Indian men.
The number of oral cancers is more than twice the number of lung cancers in individuals aged 30-69 years.Causes and Prevention:
At least one-third of all cancer cases are preventable. Prevention offers the most cost-effective long-term strategy for the control of cancer.
Tobacco
Tobacco use is the single greatest avoidable risk factor for cancer mortality worldwide, causing an estimated 22% of cancer deaths per year. In 2004, 1.6 million of the 7.4 million cancer deaths were due to tobacco use.
Tobacco smoking causes many types of cancer, including cancers of the lung, oesophagus, larynx (voice box), mouth, throat, kidney, bladder, pancreas, stomach, and cervix. About 70% of the lung cancer burden can be attributed to smoking alone. Second-hand smoke (SHS), also known as environmental tobacco smoke, has been proven to cause lung cancer in non-smoking adults. Smokeless tobacco (also called oral tobacco, chewing tobacco or snuff) causes oral and pancreatic cancer.
Physical inactivity, dietary factors, obesity and being overweight
Dietary modification is another important approach to cancer control. There is a link between being overweight as well as obesity to many types of cancer such as oesophagus, colorectal, breast, endometrium and kidney. Diets high in fruits and vegetables may have a protective effect against many cancers. Conversely, excess consumption of red and preserved meat may be associated with an increased risk of colorectal cancer. In addition, healthy eating habits that prevent the development of diet associated cancers will also lower the risk of cardiovascular disease.
Regular physical activity and the maintenance of a healthy body weight, along with a healthy diet, will considerably reduce cancer risk.
Alcohol use
Alcohol use is a risk factor for many cancer types including cancer of the oral cavity, pharynx, larynx, oesophagus, liver, and breast. The risk of cancer increases with the amount of alcohol consumed. The risk from heavy drinking for several cancer types (e.g. oral cavity, pharynx, larynx, and oesophagus) substantially increases if the person is also a heavy smoker.
Infections
Infectious agents are responsible for almost 22% of cancer deaths in the developing world and 6% in industrialized countries. Viral hepatitis B and C cause cancer of the liver; human papillomavirus infection causes cervical cancer; the bacterium Helicobacter pylori increases the risk of stomach cancer.
Environmental pollution
Environmental pollution of air, water and soil with carcinogenic chemicals accounts for 1–4% of all cancers (IARC/WHO, 2003). Exposure to carcinogenic chemicals in the environment can occur through drinking water or pollution of indoor and ambient air.
Occupational carcinogens
More than 40 agents, mixtures and exposure circumstances in the working environment are carcinogenic to humans and are classified as occupational carcinogens. These are causally related to cancer of the lung, bladder, larynx and skin, leukaemia, and nasopharyngeal cancer is well documented. Mesothelioma (cancer of the outer lining of the lung or chest cavity) is to a large extent caused by work-related exposure to asbestos.
Radiation
Ionizing radiation is carcinogenic to humans. Knowledge on radiation risk has been mainly acquired from epidemiological studies of the Japanese A-bomb survivors as well as from studies of medical and occupational radiation exposure cohorts. Ionizing radiation can induce leukaemia and a number of solid tumours, with higher risks at a young age at exposure.
Residential exposure to radon gas from soil and building materials is estimated to cause between 3% and 14% of all lung cancers, making it the second cause of lung cancer after tobacco smoke. Radon levels in homes can be reduced by improving the ventilation and sealing floors and walls. Ionizing radiation is an essential diagnostic and therapeutic tool. To guarantee that benefits exceed potential radiation risks, radiological medical procedures should be appropriately prescribed and properly performed, to reduce unnecessary radiation doses, particularly in children.
Treatment:
Bone Marrow/Stem Cell Transplantation
A stem cell transplant (sometimes called a bone marrow transplant) replaces diseased bone marrow with highly specialized stem cells that develop into the healthy bone marrow.
Chemotherapy
Chemotherapy is the use of drugs to kill cancer cells.
Immunotherapy and Vaccines
Immunotherapy and vaccines are a type of cancer treatments that use the body's immune system to fight cancer.
Personalized and Targeted Therapies
Personalized or targeted therapies are a type of treatment that targets a cancer's specific genes, proteins, or the tissue environment that contributes to cancer growth and survival.
Radiation Therapy
Radiation therapy is the use of high-energy x-rays or other particles to kill cancer cells.
Surgery
Surgery (the removal of cancerous tissue from the body) is the oldest type of cancer therapy.
When to Call the Doctor during Cancer Treatment
Find out which side effects from cancer and cancer treatment require immediate attention from your healthcare team and how to recognize them.
Palliative Care
Palliative care focuses on preventing, managing, and relieving the symptoms of cancer and the side effects of cancer treatment.
Cost of treatment:
"It is a myth that cancer is just a health issue," says the World Cancer Day website run by the Union for International Cancer Control. "Cancer negatively impacts families' ability to earn an income, with high treatment costs pushing them further into poverty."
With very little by way of government or insurance-sponsored healthcare, it is estimated that nearly 39 million Indians are pushed into poverty by all sorts of healthcare costs. With cancer, that is not difficult to imagine.
According to a July 2011 paper, by the Indian Statistical Institute, the average cost of cancer care in private hospitals can range between Rs 7 to 15 lakhs.
The treatment runs for at least one year. Hence, one year's loss of income should also be considered. That is why it is essential to have critical illness plan to cover a cost of treatment. While your health insurance plan will cover minor injuries and illnesses a critical illness plan sufficiently covers medical expenses and the loss of income. Since the cost involved in the treatment of a critical illness is high, the sum assured provided by these plans are also as high as Rs 1 crore. A critical illness plan provides a lump sum amount on the diagnosis itself and one doesn’t have to wait to provide hospitalization bills, etc. Another major benefit of a critical illness plan is that it covers loss of income. You may not be in a position to earn or your income may be nominal because recovering from a critical illness may take few months and for those few months you may be on a break from work. The lump sum amount you receive can be utilized the way you want to use it. For example, paying EMIs, child’s education, cost involved in advanced treatment like physiotherapy etc. can be managed if you have a critical illness plan.
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13 APR. 2018
Critical Illness vs Terminal Illness
Whether it is marketing over television, radio or billboards, or pop-ups over the internet, insurers are increasingly trying to contribute to financial your literacy and equipping you with information to make the right financial decisions
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