Edelweiss Life Dhan Nivesh Bima Yojana Plan

Introduction/Overview
Edelweiss Life Dhan Nivesh Bima Yojana is a traditional Endowment micro insurance plan designed for rural population which provides life insurance coverage and savings facility at low rates.

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Plans available only for people of Indian origin By continuing you agree to receive assistance and agree to our Privacy Policy, Terms of Use #For a 55 year on investment of 20Lacs
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rating
15.8 Crore
Registered Consumer
53
Insurance Partners
7.16 Crore
Policies Sold
Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

Key Features

  • It is a Single Premium plan with low premiums
  • Guaranteed Maturity and /or death benefits depending on the amount of premium invested
  • There are 2 death benefit options of A and B

Benefits

  • On death, under Option A, 5 times the Single premium is paid and under Option B, 10 times the Single premium is paid to the nominee
  • On maturity, guaranteed benefit of 2 * single premium for ages 18-35 yrs., 1.90 * single premium for ages 36-40 yrs. and 1.80*single premium for ages 41-45 years is paid under Option A
  • Under Option B, 1.86 * Single premium for ages 18-35 yrs. and 1.66*single premium for ages 36-40 years is paid
  • Income tax benefit on the premium paid as per Section 80C and on the claims received as per Section 10(10D) of the Income Tax Act.

Product Specification:

 

Minimum

Maximum

Entry Age (Last Birthday)

18 years

45 years

Maturity Age (Last Birthday)

28 years

55 years

Policy Term (PT) in years

10

Premium Paying Term (PPT) in years

Single Pay

Yearly Premium

1000

5000

Sum Assured

5000

25,000

Policy Details

Grace Period: grace period is not applicable

Policy Termination or Surrender Benefit: Policyholder is allowed to surrender the policy from the 2nd policy year. The Surrender Value will be calculated as a % of the Maturity Benefit ranging from 46% - 92% depending on the year of Surrender

Free Look Period: If you would not be pleased with the coverage, and terms and conditions of the policy, you have the option of canceling the policy within 15 days of receipt of the policy documents, provided there has been no claim.

Exclusions

In case of suicide committed within one year of policy issuance, 90% of the single premium paid is refundable.

Documents Required

Policyholder has to fill up an ‘Application form/ proposal form’ with accurate medical history.

Ulip Insurer2
Disclaimer: Policybazaar Insurance Brokers Private Limited does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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Edelweiss Life Traditional Plans Reviews & Ratings

4.6 / 5 (Based on 1252 Reviews)
(Showing Newest 10 reviews)
Abhishek
Thailand, October 23, 2026
★★★★★
Long term planning
You can compare different plans at policybazaar and talk to agent for help. I buy a plan here and am very satisfied.
Kavita
Malaysia, October 23, 2026
★★★★★
ICICI Pru Signature
Policybazaar helped me buy a good plan for investment purpose. Do consider
Harish
Singapore, October 23, 2026
★★★★★
Star Union Dai-ichi Life eWealth Royale
Star union is a good plan for nris. Everyone should consider. Thank you pb for helping
Manish
UAE, October 23, 2026
★★★★★
Canara HSBC Life Promise4 Wealth Maximiser
I compared many plans and bought canara hsbc plan. The team explained the plan details and helped me understand the terms before I proceeded.
Pooja
Saudi Arabia, October 23, 2026
★★★★★
Clear Information
I needed clear information before choosing an investment plan. Vaibhav (PW#####) answered my basic questions and explained the process patiently.
Nisha
Salem, October 23, 2026
★★★★★
Loved The Process
Kotak mahindra life e invest plus plan chose it for the fund options variety policybazaar team sent me all documents on email same day very organised process
Harish
Jalandhar, October 23, 2026
★★★★★
Good Plan For Beginners
Birla sun life wealth smart plus being first time investor i had lot of doubts Policybazaar rep answered all of them on call even repeated things twice when i didnt get it
Swati
Solapur, October 23, 2026
★★★★★
Very Satisfied
Bajaj life smart wealth goal vii bought this after my colleague recommended policybazaar whole kyc and everything done online in one sitting didnt expect it to be this fast
Naveen
Gwalior, October 22, 2026
★★★★★
Average Start But Improving
PNB metlife goal ensuring multiplier wealth first few months fund value was flat but now picking up policybazaar advisor told me ulips need patience guess he was right
Divya
Bhubaneswar, October 21, 2026
★★★★★
Great Value For Money
ICICI Prudential life signature plan low charge structure convinced me policybazaar comparison showed this clearly against other options which helped me decide faster
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar Insurance Brokers Private Limited does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

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