Protect your family’s financial future with a customizable life cover that covers death claims for any pandemic such as COVID-19.
Give your partner an additional life cover equal to 50% of your cover when you’re no longer around, with this optional benefit.
Aim higher & get rewards! When you opt for a higher Sum Assured, we reward you with a discount⁴ on premiums.
No need to step out of your house for any tests! Opt for non-medical underwriting status up to Sum Assured of Rs.99,99,000.
We’re there for you throughout! There are some circumstances one can’t foresee, including a pandemic. In case of your demise during the policy term, we’ll stand by your family and provide the nominee with the death benefit.
Better Half Benefit Option*³
Undying love indeed! Opt for Better Half Benefit at a little extra cost to make sure you always have your partner’s back. This provides your spouse an additional life cover of 50% on your base sum assured, when you’re not around.
Worried about stepping out of home in this pandemic? This plan provides the option of life cover without medicals, up to Rs. 99,99,000. So stay home, stay secured!
Waiver of Premium Benefit^^
We’re with you in sickness and in health! Even if you face a critical illness, we’ve got your back. Opt for this feature that doesn’t make you worry about your premium payments at a difficult time, upon being diagnosed with any one of the 35 listed critical illnesses.
Discount⁴ on Large Sum Assured
Yes, you’re reading it right!We believe in rewarding those who aim higher. So, this plan offers attractive discounts⁴ on premiums when you opt for a higher life cover.
Let’s take the tired out of retired! We have designed an option for you to pay your premiums till you turn 60, so you can enjoy your second innings in peace. Alternatively, you can choose to pay premiums till the end of the policy term, if that suits you better.
No deductions, no worries! The premiums paid under this plan are eligible for deductions under Section 80(C) and the death benefit is also eligible for tax benefit under section 10(10D).
This rider acts as a contingency plan in case of accidents and provides additional financial assistance.
This additional option helps you deal with any immediate expenses in case you are unable to do so due to a permanent disability
With this option, you can get a lump sum amount when diagnosed with any one of the 12 listed critical illnesses, including Heart Attack, Cancer, Kidney Failure, Stroke & Organ Transplants.
In case you are hospitalized, for any necessary treatment of an illness or injury this rider will provide you with a daily allowance as well as post hospitalization benefits.
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Thanks, all queries resolved in one call to satisfaction. I am rating the services as 10.
Very helpful during call thanks to Ms Ayesha A customer care executive
He was very much clear about the issue and the importance of it.. Thanks rohit
Your customer support is doing excellent job.keep up the good work.
The Customer Care Executive - Ms Afreen Sheikh was very prompt in resolving my query!!
Every increase in your income leads to an enhanced lifestyle for you and your family. It is important that this financial support is secured in case of an unfortunate event. A term insurance plan ensures that in a scenario where the breadwinner is no more, his/her dependents are provided the financial support required to maintain their lifestyle.
Edelweiss Tokio Life – Zindagi Plus is a life insurance plan designed to provide comprehensive protection to your family. It not only covers your present requirements but also provides the flexibility to take care of your changing responsibilities as well as increasing cost of living. It also ensures that the family remains well protected even if the main bread earner of the family isn’t around.
Yes, this plan covers death due to COVID-19.
This Additional Benefit provides life cover for your spouse which gets triggered in case of your unfortunate death. This additional benefit is available only if the Base Sum Assured is greater than or equal to Rs. 50, 00,000. Better Half Benefit sum assured is 50% of the Base Sum Assured or Rs. 1 Crore, whichever is lower. No more future premiums will be required to be paid. This benefit can be selected only at the policy inception and if it meets the following requirements:
The minimum age of your spouse can be 18 years. This may vary according to the type of plan that you have purchased. These are as follows:
For a Regular Pay policy, the shortest policy term is 10 years. In case you have opted for the “Pay till 60” policy, the shortest policy term is 15 years.
The longest policy term for any variant in this policy is 62 years.
For a Regular Pay plan, you need to pay your premiums for the same duration as that of your policy term. For the “Pay till 60” variant, the no. of years for which you need to pay the premium is calculated through the formula:
Pay till 60: (60 - Age at entry + 1) yrs.
You can decide to pay your premiums yearly, half yearly, quarterly or monthly.
The minimum time for your policy to reach maturity depends on the type of plan you have selected. Keeping that in mind, the minimum maturity age for your policy will be as follows:
The maximum maturity age is 80 yrs.
You need to be at least 18 years of age to get this policy. The maximum age at which you can get it depends on the type of plan you are opting for. Thus, the maximum age at which you can get this policy is as follows:
In case you have opted for a feature like the Better Half Benefit, Top Up Benefit or Life Stage Benefit, then the minimum sum assured is Rs. 50 lakhs. For all other scenarios, the minimum sum assured is Rs. 25 lakhs.
As for the maximum amount, there is no defined upper limit. It will be subject to Board-approved underwriting policy on the basis of your age & income.
Life Cover with Level Sum Assured: Under this plan option, the sum assured remains same throughout the policy term.
Life Cover with Decreasing Sum Assured: Under this plan option, the end amount continues as it is till age 60 of the Life Insured, and decreases by 50% thereon, till the end of Policy Term. This will have no effect on the premium.
Under this additional benefit which is available only with online purchase, at every policy anniversary after the first, Top-up sum assured will get added to the policy. The continuation of this can be according to either of the following:
The continuation of this benefit depends on whichever of the above options occurs earlier. Top-up Rate can only be selected at policy inception and is 5% or 10% as per your choice.
This additional benefit can be selected only at the policy inception. If you opt for this, on survival of 30 days post diagnosis of any of the 35 listed Critical Illnesses during the policy term and while it is in-force, all future premiums will be waived off and the policy benefits shall continue.
The 35 listed Critical Illnesses under Waiver of Premium Benefit are:
As this is a pure term plan, no benefit is payable on maturity.
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 Nominee or the Beneficiary you have chosen shall be entitled to at least 80% of the total Premiums paid, provided the Policy is in force.
The free look period offered is 15 days from the date of receiving your policy. For policies sold through distance marketing, the free look period is of 30 days.
For queries, write to email@example.com
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3- As per provisions of Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.
4- Discount for large Sum Assured is available depending on the Sum Assured, policy term and premium paying term.
9- Riders are available at extra cost.
*3 - For more details please refer product brochure.
^^ This additional benefit is available only if the Base Sum Assured is greater than or equal to Rs. 50,00,000. This additional benefit can be selected only at the policy inception. This additional benefit is not available if Life Stage Benefit is selected or if Waiver of Premium Benefit is selected or if Premium Paying Term is ‘Pay till 60’.
Disclaimer: Edelweiss Tokio Life – Zindagi Plus is only the name of a Non-Linked, Non-Participating Individual, Pure Risk Premium, 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. The tax benefits under this Policy may be available as per the prevailing Income Tax laws in India. Flower & Edelweiss are trademarks of Edelweiss Financial Services Limited; Tokio is Trademark of Tokio Marine Holdings Inc. and used by Edelweiss Tokio Life Insurance Co. Ltd. under license. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
Product UIN: 147N056V04
ARN : WP/1635/May/2021