The premium amount for this plan starts as low as Rs. 50, making it affordable for everyone.
The policy term for this plan ranges between 2 to 5 years.
Choose between Level Sum Assured and Decreasing Sum Assured to get the coverage that suits your needs
Joint Life Cover
Activate protection for all! The plan can be taken on Single Life or Joint Life basis. Single Life coverage covers only one Insured Member while under Joint Life, 2 Insured Members can be covered provided there is an insurable interest between them.
Level & Decreasing Sum Assured
Choose your benefit payment option. With this plan, you decide to get coverage in the form of Level Sum Assured – where sum assured would remain level throughout the coverage term or Decreasing Sum Assured - where the sum assured decreases during the coverage term.
All you need is 5! In order for a group to this plan, you just need 5 members to begin with. This is the minimum requirement to start getting the group cover.
Chart out your payments! With this plan, you get to map out your payments according to your convenience. You can either choose to make a Single payment or spread your premium payments out throughout your coverage term through Regular pay.
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A micro insurance plan is a type of life insurance plan where premiums and sum assured are lower as compared to regular term insurance plans.
Edelweiss Tokio Life – Jan Suraksha is designed to provide life cover with premiums starting at Rs.50. The plan broadly offers to cover the members or customers of Micro Finance Institutions, District Co-operative Banks, Self Help Groups, Non-Banking Financial Companies, Regional Rural Banks, NGOs or any other homogenous groups. Through this plan, the master policyholder can help its members to secure the financial future of their family in case of demise.
Yes, this plan covers death due to COVID-19.
You can opt for this plan with a group size as small as of 5 people.
The minimum and maximum entry ages are 18 years and 60 years respectively.
The minimum and maximum maturity ages are 20 years and 67 years respectively.
For Single and Regular pay options, the minimum coverage terms are 2 years and 5 years respectively. The maximum for both these options are 7 years.
If you’ve opted for Single pay, you’ve to pay your premium only once. However, if you’ve chosen Regular pay, you’ve to pay your premium till the end of term. You can pay these on annual, half-yearly, quarterly and monthly basis.
The minimum and maximum sum assured are Rs. 1,000 and Rs. 2 lacs respectively.
The minimum premium amounts for both Single and Regular pay options are as low as Rs. 50 per member. The maximum premium for Regular pay option is Rs. 750 per annum, and the same for Single pay option is subject to Board approved underwriting policy.
As this is a pure term plan, no maturity benefit is payable under this plan.
Yes, there is a free look 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.
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.
A grace period of 15 days is offered for monthly mode premium paying frequency and 30 days in any other case.
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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.
3- As per provisions of Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.
Edelweiss Tokio Life – Jan Suraksha is only the name of a Group, Non-Linked, Non-Par, Pure Risk Premium, Life, Micro 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: 147N058V02.