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Reasons Why This Plan is Great for You and Your Employees
Affordable Premiums Available
The premium amount for this plan starts as low as Rs. 50, making it affordable for everyone.
Perfect for Short-Term Planning
The policy term for this plan ranges between 2 to 5 years.
Choose Your Coverage Type
Choose between Level Sum Assured and Decreasing Sum Assured to get the coverage that suits your needs
Benefits of Jan Suraksha
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.
Start With 5
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.
Choice of Premium Paying Term
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.
Choice of Premium Paying Frequency
Payment karo apne hisaab se! This plan offers you multiple options to make your payments. So, choose the one that suits you best. You can pick between Yearly, Half-yearly, Quarterly and Monthly payments as your premium paying frequency
All you need are 4 steps to get this plan!
Start Planning Your Protection
- Conduct need analysis
- Choose between Level Sum Assured or Decreasing Sum Assured
Pick Your Terms
- Select your premium paying term
- Select your premium paying frequency
Select What is Best for You
- Choose between Single Pay & Regular Pay
- Choose between Single Option & Joint Life Option
Sit Back and Relax
- Submit the requested documents
- Let us verify your details to begin your group protection
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Fire Away Queries
Like teachers say, there are no silly questions
Why do I need a micro insurance plan?
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.
Why should I opt for Edelweiss Tokio Life – Jan Suraksha?
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.
Does this plan cover COVID-19 claims?
Yes, this plan covers death due to COVID-19.
What is the minimum group size required to take this plan?
You can opt for this plan with a group size as small as of 5 people.
What is the minimum and maximum entry age?
The minimum and maximum entry ages are 18 years and 60 years respectively.
What is the minimum and maximum maturity age?
The minimum and maximum maturity ages are 20 years and 67 years respectively.
What is the minimum and maximum coverage term?
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.
How long do premiums have to be paid and at what frequency?
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.
What is the minimum and maximum sum assured?
The minimum and maximum sum assured are Rs. 1,000 and Rs. 2 lacs respectively.
What is the minimum and maximum premium?
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.
Does this plan have a Maturity Benefit?
As this is a pure term plan, no maturity benefit is payable under this plan.
Does this plan have a Free Look Period?
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.
Are there any Exclusions to this plan?
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.
Does this plan have a Grace Period?
A grace period of 15 days is offered for monthly mode premium paying frequency and 30 days in any other case.
We are always there for you ! For queries, write to onlinesales@edelweisstokio.in
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Disclaimer
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.
ARN: WP/1421/Feb/2021
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