Edelweiss Life Zindagi Protect Plus

Quick Information

Basic Details

Entry Age 18 to 65 years

Coverage Amount Not specified

Policy Term Up to 82 years

Premium Payment Up to 82 years

Claim Settlement 99.29% (FY 2025)

Claims Settled <30 Days 0.00%

Best For

Families needing comprehensive coverage

People who want no room rent restrictions

Those preferring cashless treatments

Individuals looking for AYUSH coverage

Senior citizens seeking reliable cover

What Works Well

Coverage available up to age 100

Return of Premium option available

Early exit option available

Better Half Benefit available

Child Future Protect Benefit available

Premium Break Benefit available

Watch Out For

No increasing cover feature

Limited rider coverage amounts

Critical illness rider covers only 12 illnesses

Critical illness rider maximum cover only Rs. 3 Lakhs

Accidental death rider limited to age 70

Better Half Benefit activates only after death of primary insured

Hidden Clauses - Read Very Carefully!

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Better Half Benefit can only be selected at policy inception

Spouse age difference cannot exceed 10 years

Better Half Benefit available only if policy issued at standard rates

Better Half cover limited to 50% of base sum assured

Better Half maximum cover capped at Rs. 1 Crore

If spouse dies before insured

⚡ At a Glance

Return of Premium Whole Life Cover Income Benefit Monthly Income Option Waiver of Premium Joint Life Available Child Education Benefit Smoker Allowed Critical Illness Rider Accidental Death Rider Accidental Disability Rider

Death Benefit Options

•["Lump Sum"

•"Monthly Income"

•"Lump Sum Plus Monthly Income"]

Premium Payment Options

•Regular Pay

•5 Pay

•7 Pay

•10 Pay

•15 Pay

•20 Pay

Premium Frequency

•Monthly

•Quarterly

•Half-Yearly

•Yearly

Available Riders

•Critical Illness Rider: Additional payout for 12 specified critical illnesses, maximum cover Rs. 3 Lakhs, coverage up to age 70

•Accidental Death Benefit Rider: Additional payout in case of accidental death, maximum cover Rs. 1 Crore, coverage up to age 70

•Waiver of Premium Rider: Future premiums waived on diagnosis of covered critical illness or accidental disability

Claims Experience

•Claim Settlement Ratio: 99.29%

•Claim Settlement Ratio by Value: 98.34%

•100% claims settled within 30 days

•Claim complaints: 0.12%

•Death claim form complexity: Moderately Long

•Online claim tracking available

Customer Service Metrics

•Customer Service Rating: 1.46/5

•Toll-free response: Slow

•Twitter/X response: Slow

•After-sales complaints: 1.79%

Not Available Features

•Increasing Cover: Not Available

•Dedicated Toll-Free Claims Number: Not Available

•Home Pickup of Claim Documents: Not Available

•Personal Relationship Manager for Claims: Not Available

•Separate Claim Form for Above 3 Years Claims: Not Available

•Automatic Cover Increase: Not Available

Better Half Benefit Rules

•Available only at policy inception

•Spouse age difference maximum 10 years

•Spouse cover starts only after death of life insured

•Coverage limited to 50% of base sum assured

•Maximum Better Half cover Rs. 1 Crore

•No future premiums payable after insured death

Child Future Protect Rules

•Available only if child age is 0 to 18 years

•Additional cover between 10% and 100% of base sum assured

•Cover remains until child reaches age 25

•Benefit cannot be removed after selection

•Additional cover continues even if child dies

Premium Break Benefit Rules

•Available only with 10 years or higher premium payment term

•Requires additional premium

•Each premium break provides 12 months premium holiday

•Policy remains active during premium break

•Rider premiums must still be paid

•Unused premium breaks adjust against final premiums

Buying Suggestions

•Choose Life Cover Option instead of Return of Premium for better value

•Disclose all medical history honestly

•Disclose smoking and alcohol habits accurately

•Use Better Half Benefit only if spouse protection is required

•Do not rely on Critical Illness Rider as replacement for health insurance

•Maintain nominee details regularly

Age-wise Premium Breakdown

Age	Premium (approx)
0 Years	₹0

Premium by Cover Amount

Cover Amount	Premium (approx)
₹0 Lakh	₹0

Coverage & Benefits

Base Death Benefit

Lump sum or income payout to nominees upon the policyholder's demise during the policy term.

Return of Premium

100% refund of total premiums paid if the policyholder survives the policy term.

Whole Life Cover

Extended life coverage up to 99 or 100 years of age.

Waiver of Premium

Future premiums are waived in case of critical illness or permanent disability.

Joint Life Option

Option to cover your spouse under the same policy.

Income Benefit Payout

Death benefit can be structured as regular monthly/annual income instead of a lump sum.

Child Education Benefit

Additional payouts tailored to secure a child's educational milestones.

Critical Illness Rider

Lump sum payout upon diagnosis of covered critical illnesses.

Accidental Death Rider

Additional sum assured paid in case of death due to an accident.

Accidental Disability Rider

Financial protection against permanent or partial disability caused by an accident.

Waiver of Premium Rider

Future premiums waived on diagnosis of covered critical illness or accidental disability

Official Policy PDF

Download the official IRDAI-filed brochure from Edelweiss Life Insurance Company Limited.

Download (0.4 MB)

MyInsureBuddy Score

Recommended

Among top 20% in category

Claim Settlement 98%

Product Benefits 0%

Value for Money 95%

Flexibility 98%

Rider Strength 75%

Hidden Risk Safety 0%

Risk Level Low Risk (2/10)

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Quick Information

What Works Well

Watch Out For

Hidden Clauses - Read Very Carefully!

⚡ At a Glance

Death Benefit Options

Premium Payment Options

Premium Frequency

Available Riders

Claims Experience

Customer Service Metrics

Not Available Features

Better Half Benefit Rules

Child Future Protect Rules

Premium Break Benefit Rules

Buying Suggestions

Age-wise Premium Breakdown

Premium by Cover Amount

Coverage & Benefits

Terms & Conditions (Simplified)

Minimum Entry Age

Maximum Entry Age

Maximum Maturity Age

Minimum Sum Assured

Premium Break Benefit

Better Half Benefit

Child Future Protect Benefit

Return of Premium Option

Early Exit Option

Revival Period

Grace Period

Free Look Period

What's Not Covered

Official Policy PDF

MyInsureBuddy Score

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