Edelweiss Tokio Life GCAP Plan

Take a step ahead to secure your goals





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Reasons Why This Plan Is A Guaranteed¹ Hit! 

  • No Surprises, Only Guaranteed¹ Returns

    This plan has the advantage of letting you know exactly what kind of returns you get upon investing.

  • Thoda Extra Makes Sabkuch Better

    Get Guaranteed Accrual Additions (GAA) on your returns from your 9th policy year

  • The “Made for Everyone” plan

    Starting at Rs 1500/month, this is an affordable plan for everyone to begin their investment journey.

  • Choice Hi Choice

    Choose your policy term and your premium paying term to suit your needs. You can also opt for single payment or via installments.

Benefits of GCAP

Guaranteed¹ Returns

No surprises here! With Edelweiss Tokio Life GCAP, get guaranteed¹ returns no matter the circumstance, on your investment. The advantage with this plan is that you know exactly how much you’re getting out of it, so you can plan your future goals accordingly.

Guaranteed Accrual Additions

Long-term friends get better gifts! We love treating those who are with us for longer by giving guaranteed accrual additions. These additions start from the 9th policy year.

Affordable Premiums

It’s the plan that fits into every budget! We want everyone to take advantage of getting a guaranteed¹ income at all times which is why Edelweiss Tokio Life GCAP starts at only Rs. 1500 p.m. 

Waiver of Premiums

Even when things seem blue, we’re there to show you the silver lining! In case you are diagnosed with a listed critical illness or are suffering from a permanent disability due to an accident, this optional benefit rider will waive off payment of future premiums for you if added to your plan.

Protection Against Critical Illnesses

We’re always ready to help out in any situation! With this optional benefit rider, we make sure you get a lump sum payment to deal with any expenses when diagnosed with any one of the 12 listed critical illnesses that include Heart Attack, Cancer, Strokes, Bone marrow transplant and more. 

Loan² Facility Against Policy

Don’t let financial trouble stop you from your goals!We want you to live your zindagi unlimited, even if you need a little support to do it. That is why Edelweiss Tokio Life GCAP offers you the choice to avail a loan for urgent need of cash flow.


This plan is as flexible as playing dough! Customize the plan according to your needs by choosing your preferred policy term and no. of years for paying the premium. You can choose your policy term from 10, 15, 20, 25 or 30 years and your policy paying term (PPT) from  5, 7, 10 or 12 years. Additionally, depending on the variant, you can decide whether you want to pay in one go or through regular installments. 

Tax Benefits³

We dislike deductions as much as you. You get tax benefits on premiums paid under section 80 (C) and on the maturity benefit under section 10 (10D).

Get guaranteed returns with GCAP
Guaranteed Accrual Additions with GCAP
GCAP Affordable Premium option
GCAP Waiver of Premiums
GCAP Loan Facility
GCAP Tax Benefits

Choice of 6 Riders⁹

  • Accidental Death Benefit Rider

    This rider provides financial security in the form of an additional life cover to your loved ones in case of demise due to an accident.

  • Accidental Total and Permanent Disability Rider

    With this rider, you can get a lump sum amount to manage your expenses in case total or permanent accidental disability has hindered your earning capacity.

  • Critical Illness Rider

    In case you are diagnosed with one of 12 listed critical illnesses, this optional benefit will provide you 100% of the Rider Sum Assured after 30 days of diagnosis.

  • Income Benefit Rider

    Get the power of providing financial security in the form of regular income to your family when you’re no longer around with this rider.

  • Waiver of Premium Rider

    In case of critical illness, accidental total and permanent disability or death, get all future premiums waived off through this optional benefit.

  • Payor Waiver Benefit Rider

    With this rider, if the proposer of the policy suffers from an unfortunate event like death, disability or critical illness, all future premiums are waived off and the policy continues for the life insured.

4 Steps To Happiness And An Unlimited Future


Make your choice

  • Choose the amount you want to start saving
  • Choose your premium paying term
  • Choose your policy term

Decide how you want to pay

  • Pick your preferred Premium Paying Frequency

Enhance your plan

  • Choose from six riders
  • Use them to customize your plan as per your needs

Sit back and relax

  • Submit the requested documents
  • Let us verify your details so you can start getting guaranteed¹ returns!

Plan Your Financial Growth With GCAP

Rahul invested

every year for


By the end of 20 years , Rahul receives a maturity benefit of

Annual Premium
Total Maturity Benefit
Policy Term -
20 Years

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    Fire Away Queries

    Like teachers say, there are no silly questions

    Why should I invest in a guaranteed¹ returns plan?

    A plan that offers guaranteed¹ returns ensures that you have a source of income, no matter the circumstances. This plan caters to your need for stable wealth accumulation, along with providing protection for your family and giving tax benefits. With these benefits, you can ensure your achievement of future goals; whether it be a happy retirement or paying for your child’s education

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    What should I opt for Edelweiss Tokio Life GCAP?

    GCAP helps you accumulate wealth for meeting those grand plans to celebrate your achievements. What makes our offering special is that we understand that you need to maximize the wealth you can generate from your hard-earned money and enjoy the best possible. The plan offers you a fully guaranteed maturity benefit, death benefit and a Guaranteed Accrual Addition.

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    What goals can I meet with this plan?

    You may want an early retirement which can be enjoyed in style or it could be an international education course for your child. It would be ideal to invest in a plan which helps you accumulate wealth via guaranteed returns to achieve these goals, even in your absence.

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    Are all the benefits guaranteed¹?

    Yes, all the benefits are guaranteed¹ upfront.

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    Are there any additional benefits available?

    With this plan you will get additional benefits beginning from your 9th policy year in the form of Guaranteed Accrual Additions (GAA).

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    What are Guaranteed Accrual Additions?

    Guaranteed Accrual Additions or GAA are additional benefits you get from this policy. The amount of GAA depends on a number of factors that include annualized premium, policy term, premium paying term, entry age and your gender. Every year, the amount under GAA is accrued, and this process starts from the 9th policy year till maturity, at the beginning of the year. This amount is given upon death or maturity. You can find more information about GAA factors in Annexure A of our brochure.

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    What is the policy term for this plan?

    The policy term for this plan ranges between 10 to 30 years. Within this time frame, you can choose between 10, 15, 20, 25 or 30 years, depending on your goals.

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    What is the minimum and maximum entry age of this plan?

    The minimum entry age of this plan is 91 days and the maximum entry age is 55 years.

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    What is the minimum and maximum maturity age of this plan?

    You need to be at least 18 years of age to get this policy. The maximum age at which you can get it is 70 years.

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    What is the amount my nominee will receive as the death benefit?

    The minimum amount that your nominee will get upon your death is Rs. 1,65,000. The maximum amount depends on the premium invested.

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    What is the minimum & maximum premium payment term?

    You can pay your premiums over a period of 5, 7, 10 or 12 years, depending on your needs.

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    What happens when the life insured is a minor?

    In case the Life Insured is a minor, the ownership of Policy will automatically vest on the Life Insured on attainment of majority.

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    What is a Rider?

    A rider is an additional benefit that you can opt for, to enhance your plan.

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    Are there any Riders available?

    Following are the riders available on GCAP:

    • Edelweiss Tokio Life - Accidental Death Benefit Rider
    • Edelweiss Tokio Life - Accidental Total and Permanent Disability Rider
    • Edelweiss Tokio Life - Critical Illness Rider
    • Edelweiss Tokio Life - Waiver of Premium Rider
    • Edelweiss Tokio Life - Payor Waiver Benefit Rider
    • Edelweiss Tokio Life - Income Benefit Rider 
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    Can I get a loan through this plan?

    Yes, you can get a policy loan once policy acquires surrender value. Please refer to the product brochure for more details.

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    What is the free look period of this policy?

    You have a period of 15 days from the date of the receipt of the policy document. Policies sold through Distance Marketing will have a free look period for 30 days.

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    Are there any exclusions?

    In case of death due to suicide within 12 months from the risk commencement date or from the date of revival of the policy, your beneficiary shall be entitled to receive at least 80% of the Total Premiums Paid, provided the policy is in in-force.

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    Do I get any Grace Period?

    Grace period of 15 days, where you pay the Premium on a monthly basis, and 30 days in all other cases, is available.

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    We are always there for you

    Related Articles & Resources


    Additional Resources

    1- This is applicable only if all due premiums are paid and the policy is inforce.

    2- Policy loan are subject to terms & conditions of the product. Refer product brochure for more details.

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

    9- Riders are available at extra cost.

    Edelweiss Tokio Life - GCAP is only the name of the Individual, Non-Linked, Non-Par, Savings, 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 and terms and conditions, please read sales brochure carefully before concluding a sale.

    IRDAI Reg. No.: 147. CIN: U66010MH2009PLC197336. UIN: 147N031V02.

    ARN NO: WP/1405/Feb/2021