Aviva Jana Suraksha Plan

A term insurance plan that offers complete financial protection is necessary to all households, especially when there is a risk of facing the uncertainties in life. Be it securing the future of your loved ones or funding education or a wedding when an unfortunate event takes away the sole breadwinner of the family. This plan ensures that the sum assured is paid to the nominee by the insurer. Aviva Jana Suraksha is the right investment mix to add to your existing portfolio.

Parameters 

Details 

Policy Tenure

5 or 10 years, subject to the maximum maturity age of 50 or 55 years resp.

Premium Paying Term

Single Premium or Regular Pay 

Premium Paying Mode

Single, Annual, Half-yearly, Quarterly or Monthly

Entry Age

18 to 45 years

Maturity Age

50 years for the 5-year policy term and 55 years for the 10-year policy term

Grace Period

30 days ( 15 days for the monthly mode) 

Sum Assured

Minimum Sum Assured – Rs.25,000 and Maximum Sum Assured – Rs.50,000, subject to underwriting policy

Liquidity

Loans are not applicable for this plan

Benefits of the Aviva Jana Suraksha Policy

  • Death Benefit – The Sum assured comes to play in the case of death of the insured person within the policy term. In case the insured individual meets with an accident, twice the sum assured amount will get paid to the nominee. 
  • Maturity Benefit – No benefit on maturity is applicable for a term insurance plan if the insured person survives
  • Medical Tests – The insured person is not required to be subjected to any medical tests to subscribe to this policy
  • Tax rebate- The premiums paid for the Aviva Jana Suraksha Policy are eligible for tax benefits under Section 80 C of the Income Tax Act, 1961          

* Tax benefit is subject to changes in tax laws

Premium for Aviva Jana Suraksha Policy

A simple Aviva Jana Suraksha premium paying calculator is available to arrive at the exact premium amount quickly. The factors which influence the premium amount that gets charged are as stated below:

  • Premium Frequency - It could be annualized or single premium
  • Policy Term – It could be 5 years or 10 years
  • Age Group – This could be between 8 and 45 years
  • Sum Assured – Based on the individual’s risk appetite, they can choose a sum assured within the minimum and maximum ranges based on the need. 

The premium will vary as per these factors.

A more comfortable option is to check the sample illustration provided on the insurer’s website or use the Aviva Jana Suraksha calculator to check out the premium applicable for you.

Additional Riders for Aviva Jana Suraksha Plan

Additional riders are not available for this plan. 

Eligibility for Aviva Jana Suraksha

  • Entry Age -  18 to 45 years
  • Maximum Maturity Age – 50 years for the 5-year policy term and 55 years for the 10-year policy term

What are the documents required to buy Aviva Jana Suraksha policy?

To buy Aviva Jana Suraksha, the below documents are required:

  • Identity proof, such as AADHAR card or passport
  • Address proof, such as Ration card, Voter's ID, or AADHAR card
  • Recent photograph of the insured

How to buy this plan online?

The online Aviva Jana Suraksha plan details are available on the website. However, an individual needs to apply for the plan in the offline mode. To purchase, one needs to follow the below-mentioned steps:

  • Contact the Aviva branch located closest to you or reach out to one of their agents by email or dial in their toll-free number.
  • Decide the level of risk protection you need and the period for which you need it.
  • Finalize the premium along with the policy term and payment mode.
  • As per your convenience, decide on the premium frequency.
  • Use the online calculator or talk to your Financial Planning advisor to arrive at your final premium amount.

Exclusions in Aviva Jana Suraksha Policy

Aviva Jana Suraksha Reviews suggest that the exclusions listed in this policy are minimal and easy to comprehend. Death of the insured individual by suicide within a year or twelve months from the policy start date or policy revival date will result in the nominee entitled to 80% of total premiums paid until then, or the surrender value that is applicable for that time horizon.

FAQs

  • Can we revive a lapsed policy?

    Yes. The revival period is within five years from the date of payment of the first unpaid premium. Adequate proof needs to be submitted along with the sum to be revived and all outstanding payments that are due. Based on the approved guidelines, the Company will decide on the revival of the lapsed policy. Frequently check your Aviva Jana Suraksha Policy status to see if it gets lapsed.
  • What is the free look period that applies to this policy?

    It is the individual's right to review the policy terms and if they are not satisfied, return this Aviva policy within fifteen days from the date of receiving the original policy.
  • Can I check my policy status for the Aviva Jana Suraksha Policy?

    You can reach out to the insurer's local branch or drop an email or call their toll-free number to check your policy status at any point in time.
  • Do I need to undergo any medical tests to buy this policy?

    The insurer has stated that no medical test is required to buy the Aviva Jana Suraksha plan as long as you are in the eligible age category.
  • Can I update the nominee details at any point in time?

    The insurer is reachable on the toll-free number provided on their website or drops an email or faxes them the details. The same will be updated in the records at any point in time after submitting the nominee endorsement form.
  • Do I pay the penalty if I miss paying my premium on time?

    The insurer has included a grace period clause for the benefit of the insured. During the grace period, no penalty or a late fee is charged. 

    What are the ways in which I can pay the premium?

    The premium amount of this policy can be paid by cheque or a demand draft.

Written By: PolicyBazaar - Updated: 11 January 2021
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 26 Reviews)
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Aviva Jana Suraksha Plan Reviews & Ratings

4.1 / 5 (Based on 26 Reviews)
(Showing Newest 25 reviews)
Alok
G.k. Bhatar, February 16, 2021
Claim settlement ratio:
The claim settlement ratio of policybazaar and Aviva life term insurance is best. I took the plan last year and checked all the things clearly about claim, features and benefits. Great work team.
Nupur
Ahmednagar, February 16, 2021
Great plans
I have recently bought a term insurance plan from the policybazaar. I got the plan of aviva life term insurance. It is really great plan and I found various benefits under the same. Kudos to team policybazaar.
Kapil
Raigarh, August 04, 2016
Best Insurance
Best term insurance plan in very low investment. The policy coverage is high ~90% and claims are even higher. Service is superb and fast given by the company team and members. Updates of the policy is also send time to time to the email address.
Poonam
Meerut, July 15, 2016
Coverage Is Good
The term insurance plan which i purchase from aviva life insurance is fantastic. Policy coverage is maximum and claims are easy to get because of quick service provided by team members of the company. Premium is low, hassle free documentation because of online portal service.
Nirbhaye
Nagpur, July 04, 2016
Term Insurance Plan
My term insurance plan is fantastic with good returns. Premium is low and paybacks are high. Policy coverage is 87% and claims are easily cleared by the service given by staff members. Updates are mailed on my email address and web service service is simple to access.
Tarun
Panipat, June 27, 2016
Good
I have term insurance plan which is very good. The premium is low and claims are high. Policy coverage is high and claiming part is easy due to fast service facilitate by the members of the company. Internet service is good and policy can be renewed on it. Updates are mailed to me regularly.
Nirmal
Ghaziabad, March 17, 2016
Great Policy
Aviva life insurance term policy plan i buy in low premiums and the policy coverage is 95% with good claims. The service is great provided by the executives and the 5% less on premiums for women. I like the policy plan. Behaviour also really nice from the staff members.
Navgeet
Faridabad, March 17, 2016
Less Claims
My term policy plan is good but the claims are very less. The premiums is ~9.2 K twice per year. And returns are around Rs. 21 L. Aviva life insurance is basically good policy company like they give 5% extra less for women on premiums.
Gaurav
Lucknow, March 17, 2016
Fair Term Plan
The policy provide benefits according to premiums, so th term policy plan which i buy from aviva life insurance is fair deal. Policy coverage is 70% and the claims are little bit low as the premiums are low. Around 23 L is the returns and the online portal is good and respond well.
Nakul
Jalpaiguri, March 17, 2016
Nice term plan
I buy term insurance policy plan which i took from aviva life insurance. The policy plan is good and the services you provide is the best as comparing to others. The premiums are low approx. 25 K per year and for women 5% extra less on premiums. The payback returns is ~30 L. The policy age is minimum 15 years and maximum is 65 yrs.
Karan
Ambala, March 17, 2016
High Returns In Low Premium
My term policy plan is with aviva life insurance. It has low premiums and the returns are high. Policy coverage is 90% and the claims are sanctioned easily form the insurance department. The taxes are not for premiums and claims. Even the 5% extra benefits for women on premiums.
Prashant
Amritsar, March 17, 2016
Fine
Aviva life insurance is equally good as other insurers for term insurance policy plan. The policy has low premiums and 5% extra less for women. The policy coverage is high with high claims and the claiming part is easy and no paper work so no waiting. Nice job guys.
Ishwar
Gautam_buddha_nagar, March 17, 2016
Wonderful
Policy plan is wonderful with huge benefits like low premiums and the policy coverage is high 90%. Claims are are good and the payback amount is around Rs.23 L after the policy get mature. Internet services are great with easy interface and vast variety of policies are there with full descriptions.
Kishore
Bilaspur, March 17, 2016
superb plan
Aviva life insurance is one of the best insurer for term insurance policy plan. The policy coverage is 90% and the claims are good even the the claiming procedure is easy because the service provided by the company members are good and even the web services are even better. The premiums are low and for women 5% less extra benefits.
Lalit
Tirupur, March 17, 2016
Low policy coverage
Policy coverage is less around 50% and the premiums are low around 12 K twice a year. Service are good and always on time till now, rest see in future. The claims are cleared easily due to quick response from the executives and staff members. Please improve your coverage.
Harish
Godavari, March 17, 2016
slow service issue
The term plan policy which i bought from aviva life insurance has slow service issue. Policy coverage and claims are high with low investments. The executives and staff members are behave good with the customers and providing nice outputs. The daily updates are mailed and texted to me. Good policy plan.
Jiten
Raipur, March 17, 2016
Satisfactory
I buy term insurance policy plan from aviva life insurance. The policy coverage is 80% and the premiums are low ~25 K per year. The claims are easily sanctioned because the services are fast from the executives side and from online web page also. The policy premiums are 5% less for women.
Lokesh
Kurukshetra, March 17, 2016
Not That Good
The term policy plan i have is not as i expected. The policy coverage is 60% and the claims are less. THe premiums are 9 K twice a year. Services are fast and the behaviour of the executives and staff members are good. Some improvement needed in the web site.
Omesh
Bikaner, March 17, 2016
Good Service
The term policy plan i have from aviva life insurance. The service is fast and on time provided by the executives and the staff members when ever needed. Policy coverage is 80% and the claims are good. Premiums are low and payed twice in a year. The policy is for 15 years.
Yajan
Bareilly, March 17, 2016
Perfect Policy Plan
Aviva life insurance is one of the perfect insurance providers, i took term insurance policy plan. The policy is good in service and it can be buy online. The web service is awesome and 5% less premiums are there for women. Policy coverage and the claims are high. Due to online facility, it reduces the paper work and the waiting part is erased.
Ishant
Delhi, March 17, 2016
Fantastic plan
My term insurance policy plan is with aviva life insurance. The policy coverage is high and the claims are approx. 21 L. Claims are easily sanctioned because of fast services provided by the executives. Fantastic policy plan which provides good terms and conditions.
Kamal
Mumbai, March 17, 2016
Average Policy
I purchase aviva term life insurance policy plan. The policy plan is an average one but the premiums are low with good policy coverage. This is an online policy plan, easy to buy. The plan has 5% less for women. Premiums and claims are free from taxes.
Lalit
Ahmedabad, March 17, 2016
Good
I have term insurance policy plan from aviva life insurance. Policy coverage is good and the premiums are low approx. 21 L. Claiming is easy and the waiting time is very less due to fast and on time services from executives and the staff members. Nice work.
Vijay
Gurgaon, March 05, 2016
Average.
I own term plan which i buy from aviva life insurance. Policy coverage is 60% and the claims is around rs.21 L. Services are real fast and the behaviour of the executives are nice. I like the policy plan.
Plan Name: i-Life
Agent Code: BPW01888
Amandeep
Delhi, February 05, 2016
"Good"
I got health plans from aviva life. The policy is good and the benefits is also nice. The policy coverage the 70-89% of cases and the claims are easy to get with Rs.20 lakh. Te service is nice with free ambulance facility.
Plan Name: i shield
Agent Code: BBE06765

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