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A guaranteed return plan that can be purchased in a click

A protection plan for the rural population

Edelweiss Tokio Life - Raksha Kavach is a non-linked, non-participating micro term assurance plan. This plan helps you avail your life cover requirements and comes in lower ticket sizes with both single pay and regular pay options. UIN: 147N012V02


    Life wasn’t too kind to Hiten. Since his father died when he was 18, he had to discontinue his studies soon after and take up the responsibility of providing for his family. Because of lack of good education he couldn’t get a decent, well-paying job.

    Since his financial situation was pretty much hand-to-mouth, Hiten thought there was no way he could save and invest his earnings. However, he still went ahead and enquired around if he could start investing a small amount in some plan. Thank God he did!

    That’s how he came to know about Edelweiss Tokio Life – POS Saral Nivesh. Now he could invest as little as Rs. 1000/month in a plan that gave him guaranteed returns – that’s right! Hiten is happy now. He has finally started investing, no matter how small the amount!

Check out our features

Benefits so good, they have to be true!

Death Benefit

Death Benefit

The plan has a 90 day waiting period from the date of policy inception. In case of death of the life insured (other than due to accident) during the waiting period, the nominee will receive 100% of the premiums paid till the date of death excluding service tax and cess.

Death Benefit

On death of life insured, nominee will receive guaranteed death benefit.

Death Benefit

Death Benefit

The plan has a 90 day waiting period from the date of policy inception. In case of death of the life insured (other than due to accident) during the waiting period, the nominee will receive 100% of the premiums paid till the date of death excluding service tax and cess.

Maturity Benefit

On survival of the life insured till the end of the policy term, the policy holder will get the Guaranteed Maturity Benefit

Maturity Benefit

Maturity Benefit

On survival of the life insured till the end of the policy term, the policy holder will get the Guaranteed Maturity Benefit

Check if you are eligible for this product

Here are the rules! Ask us if any doubts.

What is the Annual premium payment frequency?
The annual premium payment frequency...
Minimum - Rs. 5,000 
Maximum - Rs. 1,00,000
What is the Monthly premium paying frequency ?
The Monthly premium paying frequency....
Minimum - Rs. 1,000 
Maximum - Rs. 8,800
What are the available premium paying frequencies?
The available premium paying...
Annual and monthly payment 
What is the Minimum and Maximum maturity age (as on last birthday)?
The minimum and maximum maturity...
Minimum - 18 years 
Maximum - 65 years
What are the available premium paying term options?
The available premium paying term..
5, 7, 10 and 12 years
What is the Minimum and Maximum Sum assured on maturity?
The Minimum and Maximum sum assure...

Minimum - Rs. 50,000 
Maximum - Rs. 10,00,000

What are the available policy term options?
The available policy term...

For premium paying term of 5, 7 or 10 years - 10 to 20 years
For premium paying term of 12 years - 12 to 20 years

What’s the minimum and maximum entry age? (as on last birthday)
The minimum and maximum entry age...
Minimum - 1 year 
Maximum - 50 years
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Additional resources

Product brochure view & download pdf
Sample contract view & download pdf
Product disclaimer read more