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What makes Edelweiss Tokio Life Zindagi Plus the term plan you need

  • Life Insurance that covers COVID-19 Death Claims

    Protect your family’s financial future with a customizable life cover that covers death claims for any pandemic such as COVID-19.

  • Better Half Benefit Option*³

    Give your partner an additional life cover equal to 50% of your cover when you’re no longer around, with this optional benefit.

  • Discounts⁴ on High Sum Assured

    Aim higher & get rewards! When you opt for a higher Sum Assured, we reward you with a discount⁴ on premiums.

  • No Medical Option

    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.

Benefits of Zindagi Plus

Choice of 4 Riders⁹

  • Accidental Death Benefit Rider

    This rider acts as a contingency plan in case of accidents and provides additional financial assistance.


  • Accidental Total and Permanent Disability Rider

    This additional option helps you deal with any immediate expenses in case you are unable to do so due to a permanent disability


  • Critical Illness Rider

    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.


  • Hospital Cash Benefit Rider

    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.


4 Steps To Happiness And An Unlimited Future

1

Select your Coverage

  • Select the amount of coverage that suits your needs best.
  • We think a cover that is 20 times your current income, is a great place to start.
2

Customize your plan

  • Choose the policy term
  • Choose premium paying term
  • Choose death benefit payment mode
  • Choose premium paying frequency
3

Choose your extra benefit

  • Choose Better Half Benefit, if married
  • Choose Medical or Non-Medical Underwriting Status
  • Choose Waiver of Premium on Critical Illness
  • Choose Your Riders
4

Get Set Go!

  • Submit the requested documents
  • Let us verify your details so we can make your zindagi unlimited!

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Frequently Asked Questions

Like teachers say, there are no silly questions

What is a term insurance plan?

 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.

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Why should I opt for Edelweiss Tokio Life Zindagi Plus?

 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.

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Does this plan cover COVID-19 claims?

Yes, this plan covers death due to COVID-19. 

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What is Better Half Benefit?

 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:

  • You should be married
  • The age difference between you and your spouse is less than or equal to 10 years
  • The policy is accepted at standard rates at policy issuance
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What can be the minimum and maximum age of my spouse to get the Better-Half Benefit?

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:

  • Life Cover with Level Sum Assured and Regular Pay - 60 yrs.
  • Life Cover with Level Sum Assured and 'Pay Till 60' Payment Option - 50 yrs.
  • Life Cover with Decreasing Sum Assured and Regular Pay - 55 yrs.
  • Life Cover with Decreasing Assured and 'Pay Till 60' Payment Option - 50 yrs.
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What is the minimum and maximum policy term?

 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.

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How long do I need to pay my premiums and at what frequency?

 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.  

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What is the minimum and maximum maturity age?

 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:

  • Life Cover with Level Sum Assured and Regular Pay - 28 yrs.
  • Life Cover with Level Sum Assured and 'Pay Till 60' Payment Option - 65 yrs.
  • Life Cover with Decreasing Sum Assured and Regular Pay - 65 yrs.
  • Life Cover with Decreasing assured and 'Pay Till 60' Payment Option - 65 yrs.

 The maximum maturity age is 80 yrs.

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What is the minimum and maximum entry age?

 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:

  • Life Cover with Level Sum Assured and Regular Pay - 65 yrs.
  • Life Cover with Level Sum Assured and 'Pay Till 60' Payment Option - 50 yrs.
  • Life Cover with Decreasing Sum Assured and Regular Pay - 55 yrs.
  • Life Cover with Decreasing assured and 'Pay Till 60' Payment Option - 50 yrs.
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What is the minimum and maximum sum assured?

 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.

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What are the different plan options?

  1. Life Cover with Level Sum Assured: Under this plan option, the sum assured remains same throughout the policy term.

  2. 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.

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What is Top-Up Benefit?

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:

  • Till the policy anniversary that falls before you turn 60 years old
  • Till the outstanding policy term is less than 5 years
  • Till the policy anniversary at which the cumulative Top-up sum assured becomes equal to the Base Sum Assured
  • Till the date of your death

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.

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What is Waiver of Premium Benefit?

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.

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What are the 35 listed Critical Illnesses under Waiver of Premium Benefit?

The 35 listed Critical Illnesses under Waiver of Premium Benefit are:

  1. Cancer of specified severity Cancer
  2. Myocardial Infarction (First Heart Attack – of Specified Severity)
  3. Open Heart Replacement or Repair of Heart Valves
  4. Surgery to Aorta
  5. Cardiomyopathy
  6. Primary Pulmonary (idiopathic) Hypertension
  7. Open Chest CABG
  8. Blindness
  9. End Stage Lung Failure
  10. End Stage Liver Failure
  11. Kidney Failure Requiring Regular Dialysis
  12. Major Organ/ Bone Marrow Transplant
  13. Apallic Syndrome
  14. Benign Brain Tumor
  15. Coma of specified Severity
  16. Major Head Trauma
  17. Permanent Paralysis of Limbs
  18. Stroke resulting in permanent symptoms
  19. Alzheimer’s Disease
  20. Motor Neuron Disease with Permanent Symptoms
  21. Multiple Sclerosis with Persisting Symptoms
  22. Muscular Dystrophy
  23. Parkinson’s Disease
  24. Loss of Independent Existence
  25. Loss of Limbs
  26. Deafness
  27. Loss of Speech
  28. Systemic lupus Erythematosus with Renal Involvement
  29. Third Degree Burns
  30. Aplastic Anemia
  31. Bacterial Meningitis
  32. Creutzfeldt-Jacob Disease
  33. Encephalitis
  34. Rheumatoid arthritis
  35. Poliomyelitis
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Does this plan have a Maturity Benefit?

As this is a pure term plan, no benefit is payable on maturity.

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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 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.

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Does this plan have a Free Look Period?

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.

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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