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Total Protect Plus Plan vs I Term Prime Plan

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Edelweiss Life Total Protect Plus is a pure protection plan that comes with three plan options: Life Cover Option, Return of Premium Option, and Live Long Option. It offers all-around protection to take care of your dependents with their ever-changing responsibilities.

The plan also provides life coverage up to the age of 100 years at affordable premiums, an option to add your spouse to the same plan, and returns your paid premiums as survival benefits.

Edelweiss Life Total Protect Plus offers a range of benefits including:

  • Return of premium option
  • Choice of plan options
  • Select your policy term
  • Additional riders to choose from
  • Better half benefit
  • Child's future protection benefit
PLAN DETAILS

Total Protect Plus Plan


I Term Prime Plan

Premium Including GST
Key Features
(Key features of the plan)
  • Covers up to age 100
  • Child’s Future Protect
  • Hospital Cash Benefit
  • Affordable Premiums
  • High Coverage
  • Riders Available
Plan Maturity age Maximum Maturity Age - 100 years Maximum Maturity Age - 65 years
Plan Sum Assured Base sum assured: Rs 25 lakhs to no limit. Base sum assured: ₹25 lakhs to no upper limit
Plan Entry Age Minimum Age - 18 years Maximum Age - 65 years Minimum Age - 18 years Maximum Age - 65 years
Plan Payment modes Annual, half-yearly, quarterly & monthly Annual, half-yearly, quarterly & monthly
Plan Policy loan The policy loan is not available under Protect Plus Plan. The policy loan is not available under i-Term Prime
Plan Sample Premium Rs 589-/ per month Rs 504-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 10 years Maximum term - 100 years Minimum term - 5 years Maximum term - 15 years
Claim Settlement Ratio (2024-25) 99.29% 99.73%

* The above sample premiums are for a 30-year-old male, nonsmoker with a sum assured of Rs 50 lakhs and a policy tenure of 25 years. You can calculate the premiums for the above term insurance plans using the PolicyX Term Insurance Calculator.

Riders

Riders Associated with Edelweiss Life Total Protect Plus

You can add the following riders to your Edelweiss Life Total Protect Plus:

Edelweiss Life-Accidental Death Benefit Rider

Under this rider, an additional sum assured, along with the base plan death benefit, is paid if the policyholder dies due to an accident during the policy term.

Edelweiss Life-Accidental Total and Permanent Disability Rider

Under the accidental disability rider, benefits are offered if the policyholder becomes disabled or dies due to an accident.

Edelweiss Life-Hospital Cash Benefit Rider

Under this rider, if you are hospitalized for any reason that affects your income, it will provide you with a daily allowance similar to your income and other post-hospitalization benefits. This allows you to focus on health recovery rather than worrying about finances.

Edelweiss Life-Critical Illness Rider

Under this rider, if you are diagnosed with any of the 12 listed critical illnesses, you will receive a lump sum assured amount to manage your expenses, along with a waiver of all future premiums of the policy.

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