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Reasons Why This Plan Gives Your Group The Security It Needs

  • Death Benefit

    Your Choice Of Life Cover

    This plan gives you 2 Life Cover options to choose from - Life Cover Option and Life Cover with Terminal Illness.

  • Coverage Type

    With You Through Moratorium

    With this plan, cover is available during the moratorium period of minimum 6 months to maximum 7 years.

  • Life Coverage

    Payment Options

    Choose between Single Pay, Regular Pay and Limited Pay to make your premium payments.

  • Surrender Benefit

    Additional Benefits*⁶

    This plan offers Additional Benefits in case of critical illness, disability and accidental death.

Benefits of Group Total Secure

Additional Benefits*⁶

  • Accidental Death Benefit

    In case of an accident resulting in an unfortunate demise, this optional benefit will grant an additional sum assured to your nominee.


  • Total and Permanent Disability Benefit

    With this benefit, in case of a total and permanent disability, this optional benefit will give an additional sum assured to your nominee.


  • Critical Illness Benefit

    In case you are diagnosed with any one of the 16 critical illnesses listed in the brochure, this optional benefit will grant you an additional sum assured.


How It Works!

1

Start Planning

  • Conduct need analysis
  • Choose the sum assured
2

Make Your Selections

  • Select your group size
  • Choose type of coverage
3

Seal the Deal

  • Choose your policy term
  • Opt for additional benefits
  • Make Your premium payment
4

Sit Back and Relax

  • Submit the requested documents
  • Let us verify your details and let your journey with us begin.

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Fire Away Queries

Like teachers say, there are no silly questions

Why do I need a group life credit insurance plan?

As a financial institution, the loans that you lend help people fulfil their dreams. However, if something would happen to them, their loan repayment may get stuck and you would be left with liabilities. So, a group credit insurance plan is ideal to protect the lender’s interests. Though you take necessary measures for recovery, you also need to insure your lent assets against non-payment by the borrower, on his/her death.

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Why should I opt for Edelweiss Tokio Life Group Total Secure?

Edelweiss Tokio Life – Group Total Secure is designed to provide a comprehensive cover against death, disability, illness to the members of the Master Policyholder.

It provides multiple plan options, coverage types, additional benefits & premium paying options to select from.

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What is the minimum group size required to take this plan?

The minimum group size to opt for this plan is of 50 members.

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What is the minimum and maximum entry age?

The minimum entry age as per last birthday is 14 years and the maximum entry age as per last birthday is 70 years.

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What is the minimum and maximum maturity age?

The minimum maturity age as per last birthday is 20 years and the maximum maturity age as per last birthday is 80 years.

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What is the minimum and maximum coverage term?

The minimum and maximum coverage terms are 2 and 35 years respectively.

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What is the minimum and maximum sum assured?

The minimum and maximum sum assured are Rs. 5,000 and Rs. 1 crore respectively.

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What are the premium paying options?

 The premium paying options are single pay, limited pay and regular pay. You can pay the premiums annually, semi-annually, quarterly and monthly.

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What does Terminal Illness mean?

Terminal Illness means an advanced or rapidly progressing incurable disease, wherein according to the opinion of two appropriate independent Medical Practitioners, the insured member’s life expectancy is no greater than six months from the date of notification of claim. S/he must not be receiving any form of treatment other than palliative medication for symptomatic relief.

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What does Accidental Death mean?

Accidental Death refers to death within 180 days of any bodily Injury caused due to an Accident and independent of any other causes.

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What does Total and Permanent Disability Benefit mean?

Total and Permanent Disability Benefit means disablement for an uninterrupted period of 180 days, caused due to Accident or sickness.

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What are the critical illnesses covered under the Critical Illness Benefit option?

There are 16 critical illnesses covered under the Critical Illness Benefit option:

1. Open Chest CABG

2. Myocardial Infarction (First Heart Attack - of Specified Severity)

3. Open Heart Replacement OR Repair of Heart Valves

4. Kidney Failure Requiring Regular Dialysis

5. Major Organ / Bone Marrow Transplant

6. Stroke Resulting in Permanent Symptoms

7. Aorta Surgery

8. Permanent Paralysis of Limbs

9. Coma of Specified Severity

10. Third Degree Burns

11. Blindness

12. Aplastic Anaemia

13. Cancer of Specified Severity

14. Benign Brain Tumor

15. Motor Neurone Disease with Permanent Symptoms

16. Multiple Sclerosis with Persisting Symptoms

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Does this plan have a Surrender Value?

Yes, this plan has a surrender value for Single pay and Limited pay options.

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Does this plan have a Maturity Benefit?

 No, Maturity Benefit is not payable in this plan.

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Does this plan have a Free Look Period?

Yes, a Free Look period of 15 days is available.

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Are there any Exclusions to this plan?

 In case of death due to suicide within 12 months from the date of commencement of risk or from the date of revival of coverage, the beneficiary shall be entitled to at least 80% of the total premiums paid, provided the coverage is in force.

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Does this plan have a Grace Period?

 Grace period of 15 days for monthly premium paying frequency and 30 days for all other premium paying frequencies is applicable.

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0- Provided the premium paying term is more than or equal to 10 years.

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

*6-  Additional benefits are available at extra cost.

 

Edelweiss Tokio Life – Group Total Secure is only the name of a Group, Non-Linked, Non-Par, Pure Risk Premium, Life, Credit 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: 147N059V02.

ARN: WP/1420/Feb/2021

 

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