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Why This Plan Will Be Your Most Important Purchase This Year

  • Term Trigger Benefit

    This plan activates when you are diagnosed with COVID-19. Post this, it's with you in sickness and beyond.

  • Critical Illness Benefit

    This plan grants you a lump sum payment when you’re admitted to the ICU or HDU due to COVID-19, regardless of the actual expenses.

  • No Medical Tests

    We know it’s not safe to step out yet. So, you don’t need to carry out any medical tests. The policy can be bought online in 3 simple steps

  • Topical Protection

    Times like these, call for extra protection. This 1-year insurance plan is designed to tackle your current protection needs.

Benefits of COVID Shield+

The Constant Companion

This plan will be with you from the beginning of your COVID-19 journey. Whether it’s your diagnosis of COVID-19 or admission in ICU / HDU due to COVID-19 or even death, Edelweiss Tokio Life COVID Shield+ has your back.

Enhanced Term Cover

Diagnosis ke saath bhi, diagnosis ke baad bhi! This benefit gets activated from the moment you get diagnosed with COVID-19. In case of death during the policy term, your nominee will receive 100% of the enhanced sum assured along with the base sum assured as a lump sum payout.

Life Cover

No matter the situation, we’ll be there for you. There are some circumstances that one can’t foresee. In case of an unfortunate death during the policy term, we’ll make sure to stand by your family and provide your nominee with the base sum assured amount.

Critical Illness Benefit

We’ve geared up to deal with any situation! These are uncertain times, and when diagnosed with COVID-19, the situation can sometimes escalate rapidly. In case you need to be admitted in the ICU or HDU for COVID-19 treatment, the plan gives you a lump sum amount equal to 40% of your enhanced sum assured to deal with any and all expenses during this time and help you bounce back. (Example - Get Rs.10 lacs on Enhanced Sum Assured of Rs.25 lacs)

Year-long Protection

This plan is created to look after your current requirements, keeping in mind the situation at hand. This is why it lasts for one year.

Tax Benefit³

Stay relaxed! Premiums paid under this policy are eligible for deductions under Section 80(c). The benefit amount from this policy is exempted from tax deductions under Section 10(10D).

Get Ready To Deal With COVID-19 In 3 Easy Steps


Start With The Basics!

  • Fill in your basic details
  • Answer a few questions about yourself

No Installments To Worry About

  • One-year policy term
  • Make your one-time payment

Sit Back And Relax

  • Submit the requested documents
  • Let us verify your details so we can deliver your shield!

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Fire Away Queries

Like teachers say, there are no silly questions

When will Critical Illness Benefit be paid?

Only when the Life Insured is admitted to ICU or HDU for at least 24 hours post diagnosis of COVID-19 for management of severe Covid-19 disease.

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Should ICU/HDU facility be from Designated Hospital only?

Yes, ICU/HDU facility should be from Designated Hospital which is designated by Ministry of Health and Family Welfare and is designated as a COVID-19 treatment hospital certified by the relevant authority.

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What does Diagnosis of COVID-19 disease means?

It means when the result of the RT-PCR test, conducted through ICMR authorized laboratory as prescribed by ICMR, is positive.

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If Life Insured is diagnosed with COVID-19, but ICU happens due to heart related issue, will we provide Critical Illness Benefit?

No. Critical Illness Benefit will be paid only for management of severe Covid-19 disease.

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If post diagnosis of COVID-19, ICU is established at home, will we provide Critical Illness Benefit?

This doesn’t meet the definition of ICU/HDU as mentioned in T&C and hence, Critical Illness Benefit shouldn’t be paid.

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Will Term-Trigger benefit be paid only on death due to COVID-19?

No. Once Life Insured is diagnosed with COVID-19, an Enhanced Sum Assured will be triggered. This Enhanced Sum Assured along with the Base Sum Assured will be paid on death due to any reason, other than a suicide.  

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Is there a waiting period?

Yes, there is a waiting period of 30 calendar days from the date of inception of the policy.

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What kind of benefit will be paid if Life Insured is diagnosed with COVID-19 during waiting period?

Life Insured will be applicable only base sum assured in such scenario and no other benefit will be paid.

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If during the waiting period or before the Policy Commencement Date, Life Insured had recovered fully from COVID-19 and then after the waiting period Life Insured again contracts COVID-19, will the benefits be paid?

Yes, benefits will be paid in this scenario, provided Life Insured submits the proof of full recovery from the registered Medical Practitioners.

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What are the tax benefits¹ under this plan – 80C or 80D?

Benefit under section 80C shall be the applicable tax benefit¹ as this is a term product. However, in case sum assured for Pre-COVID death is considered applicable, then 80C benefit shall be restricted to 10% of sum assured or actual premium, whichever is less. Policy holders should be advised to consult his/her tax consultant to evaluate the deductibility of premium paid.

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What is the Critical Illness Claim Procedure?

We should be intimated regarding ICU/HDU of Life Insured within 90 days from the date of such admission. We shall be provided with the following documents:

  • Our claim form which must be duly completed;
  • Copy of RT-PCR test conducted through ICMR authorized Laboratory confirming the occurrence of COVID 19;
  • Chest X-RAY/ CT Scan Chest
  • Copy of medical records pertaining to ICU/HDU admission for management of severe Covid-19 disease and all past medical records (such as discharge summary, daily records and investigation test reports, surgical notes), if applicable;
  • KYC documents of the claimant along with personalized cancelled cheque or copy of bank passbook of Nominee;
  • Treating doctor certificate filled by the doctor treating the Life Insured for the diagnosed ailment;
  • Hospital certificate duly filled in by the hospital where the Life Insured was admitted; 
  • Any other information or documentation that We request. 
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Related Articles & Resources


Additional Resources

3- As per provisions of Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.

4- Discount for large Sum Assured is available depending on the Sum Assured, policy term and premium paying term.

8- https://indianexpress.com/article/explained/delhi-covid-19-test-price-6466528/


Edelweiss Tokio Life – COVID Shield+ is only the name of a Non-Linked, Non Participating Individual, Pure Risk Premium, Life Insurance Product and does not in any way indicate the quality of the plan, its future prospects or returns. Please know the associated risks and the applicable charges from your Personal Financial Advisor or the Intermediary. Tax benefits are subject to changes in the tax laws. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.

IRDAI Reg. No.: 147. CIN: U66010MH2009PLC197336. UIN: 147N067V01.

ARN: WP/1419/Feb/2021