Zindagi Plus - An online Term Insurance Plan with extended life cover option

A Never-Seen-Before feature. The Edelweiss Tokio Life - Better Half Benefit gives an extra cover to your wife in case of your unfortunate demise. Hence, your children and parents can have enhanced protection.Whether she is a housewife or employed, she deserves the utmost care.

Upon your demise your nominee will get the sum assured you have selected.
50% of your life cover (max up to 1 cr.) will start in your wife’s name and she won’t have to pay any premium.

Better Half Benefit

It's been 2 years since Mr. Pawar got married. Now he has decided to buy insurance.

he buys Edelweiss Tokio Life – Zindagi Plus with ‘Better Half’ Benefit with a life cover of Rs. 2 cr up to the age of 80 years.

Here’s how his family benefits. Tomorrow, if he unfortunately passes away before his policy term ends, his family will get a sum assured of Rs. 2 cr.

Plus, his wife’s life cover of Rs. 1 cr will start immediately for the remaining policy period.

No one will have to pay any premium in the future.

Mr. Pawar’s wife, his kids and his parents will have a financially stress-free life.

Start Today for Tomorrow

Increases your life cover systematically as per your chosen rate. Thus, it shields you from future uncertainties. Avoid the tedious formalities of buying a new policy again and again, with the Top-up Benefit!

Opt for one of the two available top-up rates - 5% and 10%
The top-up sum assured can increase up to Rs. 1 cr or up to the age of 60 years, whichever is earlier.
You can opt out anytime

Top-up Benefit

Mr. Jain (30 years) has finally made the decision of buying insurance.

But he has a legitimate concern. Will today’s insurance be sufficient for his family 10 years from now?

Hence, he selected the Top-up Benefit at 10%.

He bought a life cover of Rs. 3 cr up to the age of 80 years. This will increase every year by 10% i.e. in Year 2, his life cover is 3.3 Cr and so on.

After 10 years, his total life cover will be Rs. 6 cr which is the highest limit, as the Top-up is equal to the base life cover (Rs. 3 cr)

Thus, all his main worries are met. His future is taken care of and he won’t have to buy another policy later on.

Bury Financial Worry

The Waiver of Premium Benefit covers 35 critical illnesses. If you are diagnosed with any one of them, all your future premiums will be waived off and your policy will continue as usual along with its benefits. So you won’t have to worry about paying premiums and can focus on your health.

Waiver of Premium Benefit

Mr. Goel, a bank manager by profession, cares for his health and the health of his family.

But since he has opted for the Waiver of Premium Benefit, he is less worried now. Why?

It covers 35 critical illnesses. That’s right!

HUGE RELIEF for him financially because if he gets diagnosed with any of these 35 illnesses, he won’t have to at least worry about paying his premiums.

He can completely focus on his health and recovery.

Complete your Protection

Edelweiss Tokio Life- Criticare+ (UIN 147N030V01) is a separate non-participating, non-linked critical illness plan read more. It covers 17 critical illnesses. If you’re diagnosed with any one of the listed critical illnesses, you’ll get the selected critical illness cover amount. Here, you don’t have to submit any medical bills.

Single Claim You’ll receive the selected cover amount only once.
Multi Claim You can claim the selected cover amount THRICE.

Critical Illness Cover

A term plan secures the future. But what if you suffer from an illness today that restricts you from being employed?

This can cause great difficulty to the entire family. Hence Mr. Mukesh opted for Edelweiss Tokio Life - CritiCare+ with Multi Claim option.

Tomorrow, if he is diagnosed with any of the listed illnesses, he won’t have to worry much about a steady income.

The claim amount will take care of the EMIs, education fees and other expenses.

Not just that, because he chose the Multi Claim option, he can claim the amount thrice.

The only condition is, all 3 illnesses should be from 3 different illness groups and there’s a waiting period of 28 days before he can claim the cover amount.

Pay Less from Day 1

Under Decreasing Sum Assured option you can get the same term insurance benefits for premiums lower than level sum assured rates. This will be beneficial for you after retirement, as your family won’t be as dependent on you as they are now.

Lower premium from Day 1 including the premiums of add-on benefits
The life cover will reduce by 50% after you turn 60 years old

Decreasing Sum Assured

Life insurance is important and Mr. Sharma knows this. But he also knows that after retirement his family won’t be completely dependent on him.

This is why he chose the Decreasing Sum Assured Benefit.

Now, from Day 1 he’ll be paying a reduced premium. He doesn’t mind the 50% reduction in life cover after he is 60 years old.

All Riders

The Edelweiss Tokio Life - Accidental Death Benefit Rider gives you extra protection. In case an accident claims your life, your family will get the selected accidental death cover amount in addition to the base life cover amount.

If you opt for Edelweiss Tokio Life - Accidental Total and Permanent Disability Rider, you’ll get the cover amount you have selected in case an accident causes permanent disability. This takes care of all your immediate expenses such as medications, hospital bills and regular expenses such as EMIs, education fees etc. The base policy continues as usual.

Under Edelweiss Tokio Life -Critical Illness Rider, if you are diagnosed with one of the 12 specific critical illnesses, you will receive a payout of the critical illness cover you’ve selected. The policy will continue with the base life cover after critical illness claim paid. Term life insurance is for your family’s security but this rider will cover you financially against 12 listed critical illnesses.

Yet another rider designed to address a crucial financial need. The Edelweiss Tokio Life - Hospital Cash Benefit Rider provides for daily expenses and takes care of the costs involved in hospitalisation. It’s applicable only for annual premium paying term.