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 does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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(Based on 1235 Reviews)
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Edelweiss Life Traditional Plans Reviews & Ratings

4.6 / 5 (Based on 1235 Reviews)
(Showing Newest 10 reviews)
Ashok
Jodhpur, October 18, 2026
★★★★★
Happy Customer
Axis max life online savings plan plus took it on policybazaars recommendation and so far so good premium payment reminder feature on their app is handy too
Vikram
Bangladesh, October 17, 2026
★★★★★
Understanding Plan Features
Agent gave me information about charges, benefits and returns before deciding. The explanation helped me understand what to check before buying.
Sneha
New Zealand, October 17, 2026
★★★★★
Support for Overseas Customers
Hi Team,I would like to take a moment to acknowledge the exceptional service and dedication shown by Varun (ID: PW#####). Very nice agent. Recommend him.
Rohan
Japan, October 17, 2026
★★★★★
Long-Term Savings
I wanted to start a long-term investment in India as I live abroad. Policybazaar experts helped me understand the full process and gave me options as per my requirements. I selected SBI Life-eWealth Plus. Very satisfied.
Ankit
China, October 17, 2026
★★★★★
Comparing Investment Options
So many plans on google confused me. Policybazaar team guided me properly. Very nice service
Karan
New Zealand, October 15, 2026
★★★★★
Online Purchase from Abroad
I am from canada and wanted to invest in India without travelling. The online assistance from policy helped me buy it
Priya
Australia, October 15, 2026
★★★★★
Helpful Team
Bought Birla Sun Life Insurance Company Ltd Wealth Smart Plus from policybazar. The team was very helpful. Highly recommend!
Neeraj
Canada, October 15, 2026
★★★★★
Planning for Family
I wanted to plan my savings in India for my family’s future. The team helped me compare options and understand the important features.
Amit
UK, October 15, 2026
★★★★★
Easy for NRIs
As an NRI, I had lots of doubts about how to buy a good investment plan. PB customer care helped me alot. Thank you
Rahul
USA, October 15, 2026
★★★★★
Smooth Investment Process
I stay in Dubai and wanted to invest in India. Policybazaar team explained the available options and helped me understand the purchase process.
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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 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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