Edelweiss Tokio Life TotalSecure+ Product: Review

Whatever you decide to do, make sure it makes you happy…

..Indeed! We always aim for a seamless and contented life, isn’t it? We all want more of happiness and less of sorrow, but not everything is in our hands. We seldom realize that we are nothing afore fate and there are certain things we can’t control, right?

But then, we can always try and strive to make it better and carefree. We can always make the best of our present to secure our future. Our family is the best thing that happened to us and to make sure that together, we live peacefully and with pride, we must ensure that we are walking on the right path.

When we talk security of our family, the instant thought is of Insurance Plans, but a mere Health Plan or Life Insurance Plan is not sufficient. In today’s world, diseases are the most common sight in our lives. Every now and then, people are inflicted with a host of new diseases and there are many for which there is no proper medication or cure.

Apart from that, accidents have become a part of our lives and their damages can be life-long or irrecoverable. Keeping two different Insurance Plans- Health and Life will become tedious and too expensive. The cover provided by health insurance plans are generally lower and the premiums are higher. This is because it covers most diseases like Malaria, jaundice, etc and accidents. But when it comes to the cost involved in treating critical illnesses like cancer, heart disease, chronic kidney failure where you may need a transplant is very expensive. For such illnesses, a high amount of sum assured is needed. The average cost of treatment for a critical illness like cancer is 20 lakhs. So, only health insurance plan will not be sufficient enough.

There’s a comprehensive protection plan which provides such a high cover at a reasonable rate It provides both a life cover and cover against multiple critical It’s Edelweiss Tokio Life TotalSecure+  which provides the benefit of both Health and Life cover.

Why to choose the Edelweiss Tokio Life TotalSecure+ Product?

1. Low cost comprehensive protection plan, giving us the option of not just a Life Cover but also the cover for Critical Illnesses
2. Flexibility to choose from three death benefit payment modes: lumpsum, monthly income or combination of both
3. Choose Critical Illness coverage amount as per your requirements – Accelerated Critical Illness Benefit* up to Rs. 1 crore
4. Get life cover for as long as up to age 80

The product offers 3 Benefit Options like
• Benefit Option 1: Life Cover
• Benefit Option 2: Life Cover with ‘Basic Health Cover’ (7 Critical Illnesses)
• Benefit Option 3: Life Cover with ‘Comprehensive Health Cover’ (35 Critical Illnesses)

Edelweiss Tokio Life Insurance Company considers the need of customers over their products and hence their tagline, “Insurance se badhkar hai aapki zaroorat”

Why I choose Edelweiss Tokio Life for my Insurance plans is that their Insurance Plans are flexibly designed to cater to their customers’ needs and requirements. The plans are not imposed on the customers, but the customers are listened to and according to their comfort, the necessary Insurance Plan is suggested.

Let me give you an example. Raj is 30 years and is a Community Manager in an MNC. Raj is married to Seema and he opts for the Edelweiss Tokio Life – TotalSecure+ (Benefit Option 3) with Base Sum Assured of Rs. 1 crore and Critical Illness (35 illnesses) sum assured of Rs. 10 lacs for a cover till 75- years of age. He pays annual premium* of Rs. 13,730/-

A few years later Raj is diagnosed with one of the predefined 35 Critical Illnesses. Rs. 10 lacs is paid as a lumpsum and the policy continues with Reduced Base Sum Assured of Rs. 90 lacs. The subsequent premiums are proportionately reduced to Rs. 9,652.
On Raj’s unfortunate death, his family gets lumpsum death benefit of Rs. 90 lacs and the Policy terminates.

Thus, I strongly suggest the Edelweiss Tokio Life TotalSecure+ as it caters to an individual’s need of seamless and healthy lifestyle.
To know more about the product, visit their website here

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