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Edelweiss Life Zindagi Plus

Edelweiss Life Zindagi Plus is a life insurance product offered by Edelweiss Insurance. It is a product that ensures a life cover policy and provides the necessary income to the dependents of the policyholder in case of unfortunate events.

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One can customize this plan according to their needs by choosing a suitable Premium Paying term and sum assured payout mode. One can also avail enhanced financial security by opting for Better Half Benefit, where the spouse can get the sum assured in case of an unfortunate event leading to the demise of the partner. Edelweiss Life Zindagi plus also covers death due to COVID-19. 

This table looks at the different plan options available under the Edelweiss Life Zindagi Plus policy:

Minimum Age at Entry

18 years for both life insured and spouse

Plan Options 

Premium Paying Term

Life Insured


Maximum Age at Entry 

Life Cover With Level Sum Assured 

Regular Pay

65 years

60 years

Pay till 60

50 years

50 years 

Life Cover With Decreasing Sum Assured 

Regular Pay 

55 years 

55 years 

Pay till 60

50 years

50 years

Minimum Age of Maturity 

Life Cover With Level Sum Assured

Regular Pay

28 years

28 years

Pay till 60

65 years

65 years

Life Cover With Decreasing Sum Assured

Regular Pay

65 years

65 years

Pay till 60

65 years

65 years

Maximum Age of Maturity 

80 years 

Minimum Policy Term 

Regular Pay- 10 years

Pay till 60- 15 years

Maximum Policy Term

(80-Age at entry (age last birthday) ) years

Premium Paying Term (PPT)

Regular Pay- Same as Policy Term


Pay till 60- (60- Age at entry + 1 ) years 

Minimum Premium (Rs.)

Premium Paying Frequency

Minimum Amount(Rs.)









Maximum Premium

No limit; depends on underwriting policy and status.

Note: Know what is term insurance first and then buy a term plan for your loved ones.

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Life Cover

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Life Cover

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Life Cover

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The Edelweiss Life Zindagi Plus product offers various benefits such as: 

  1. Top-Up Benefit

    Policyholders can select this benefit only at the policy inception. It is available only for regular premium paying policies. Under this benefit, the top-up sum assured will get added to the policy until the outstanding policy term is less than five years or the year immediately preceding the year when the Life insured attains 60 years. Few other conditions are also applicable. The Top-up Rate is to be selected at the policy inception to avail of this benefit.

  2. Better Half Benefit

    The Better Half benefit can be selected at policy inception only if the Life insured is married and the spouse fulfils the age criteria. If the Spouse dies earlier, this benefit cannot be availed; under this scheme, the Spouse will get half of the Base Sum Assured or Rs.1 Crore, whichever is lower. No need to pay future premiums. One cannot opt out of this benefit once implemented. There are specific exclusions and conditions one must consider before opting for the benefit.

  3. Waiver of Premium Benefit

    Under this benefit, all future premiums of the Life insured suffering from any one of the insured critical illness conditions is waived if he/she survives 30 days after the first diagnosis, the benefits will continue. This benefit cannot be selected with the Top-up benefit. It is applicable only if the premium payment mode is regular and the plan is Life Cover with Level Sum Assured.

  4. Death Benefit: 

    If the Life Insured dies before the maturity date, the Sum assured on Death will still be paid. The minimum Sum assured will be the highest of the given criteria. If Top-Up Benefit is also availed, one will also get the cumulative Top-Up Sum Assured along with the  Sum Assured on Death. 

  5. Maturity Benefit  

    Edelweiss Life Zindagi Plus Plan is a term plan, so no other benefit is payable on maturity.

  6. Tax Benefits: 

    Tax benefits under The Edelweiss Life Zindagi Plus Plan may be available as per the Income Tax Act 1961. If they don't counter the laws or other provisions, tax benefits can be availed and enjoyed by the policyholder.

    “Tax benefit is subject to changes in tax laws. Standard T&C apply.”

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Premium Illustration 

One can select the most suitable premium paying mode from the various options available under Edelweiss Life Zindagi Plus Plan. The amount of premium depends on the option and benefit chosen at policy inception.

Suppose a man is 35 years old and a non-smoker. His Spouse is also 35 years old, his policy term is 35 years, and his underwriting status is medical. The Sum Assured is Rs 1 crore. Life Cover with Level Sum Assured is selected. Premium under Edelweiss Life Zindagi Plus will be:

Plan Option

Waiver of Premium Benefit

Better Half Benefit

Premium Paying Term

Annual Premium(Rs.)

Life  Cover with Level Sum Assured 







Pay till 60












Pay till 60






Riders Options

The rider is like an additional provision added to the base plan. Riders make your plan suitable and conclusive and can be selected at the policy inception or during the policy renewal. One needs to pay a nominal premium to avail of the benefits of riders. The Sum Assured under the riders cannot go beyond the Base Sum Assured on Death of the Life Insured. The total premium on all of the riders cannot exceed 30% of the premium payable on the base sum assured under the Edelweiss Life Zindagi Plus Plan.

  • Accidental Death Benefit Rider -  It provides additional financial security in case of accidental death. The benefit is paid as a lump sum.
  • Accidental Total and Permanent Disability - This rider provides a lump sum Sum if your income earning capacity is shaken or reduced due to accident disability.
  • Hospital Cash Benefit Rider - provides benefits post-hospitalization and covers daily allowances in the Life insured's hospitalization.
  • Critical Illness Rider - provides a lump-sum payment upon the diagnosis of any one of the listed critical illnesses from which the Life insured is suffering under Edelweiss Life Zindagi Plus Plan.

Eligibility Criteria

The policy has some eligibility criteria for buying the policy. These are:

  • Minimum 18 years of age 
  • For maximum age, refer to the plan options table
  • Minimum Policy term- 10 years if regular pay option selected, 15 years if Pay till 60 option is available
  • Minimum Base Sum Assured is Rs. 50 Lakhs if Top-up benefit selected and Rs.25 Lakhs in all scenarios
  • For non-medical status minimum sum to be assured is Rs 99 lakhs

What Are the Documents Required To Buy the Policy?

  • Photo Identity proof, Age Proof, and Address Proof
  • Income Statement of the Policy Holder
  • The nomination form and proof of the nominee
  • In case of Better Half Benefit, Identity proof of Spouse, Marriage Certificate, and Birth Certificate/ Age Proof

How to Buy Edelweiss Life Zindagi Plus Policy Online?

  • Go to the Edelweiss Insurance Website
  • Browse the plans
  • Select the plan to be availed
  • Select the Plan option – Life Cover with Level Sum Assured or Life Cover with Decreasing Sum Assured 
  • Enter the Base Sum Assured, Policy Term, Premium Paying Term, and Paying Frequency 
  • Choose the underwriting Status 
  • Select additional benefits one wants to avail
  • Select the death benefit payment mode


Edelweiss Life Zindagi Plus plan has certain exclusions that one must be aware of to experience a hassle-free claim procedure. Some are listed here:

  • One cannot avail of Top-up Benefit if the Waiver of Premium Benefit is already selected.
  • The additional benefit of Better Half Benefit will not be payable if simultaneous Death of Life insured and Spouse occurs, or Spouse attains 75 years of age. 
  • Various Exclusions are there under the list of critical illness when one avails Waiver of Premium Benefit Option. 
  • For example- under Cancer of Specified Severity, all types of tumours are excluded. 
  • Other acute Coronary Syndromes, any angina pectoris, and a rise in cardiac biomarkers are excluded under Myocardial infarction.
  • Surgery of any branches of the thoracic or abdominal aorta and surgery following traumatic injury to the aorta is not covered under the Surgery to Aorta heading.
  • Policy loans are not allowed under the policy by Edelweiss Life Zindagi Plus. 
  • A rider will not be offered if the term of the rider exceeds the base policy outstanding term.
  • Death Benefit Payment mode cannot be changed once selected during the policy term.

Note: Check out the best term insurance plan in India and choose one that suits your requirements.


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