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    • Stay healthy to get more from your term insurance plan

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Stay Healthy To Get More From Your Term Life Insurance Plan

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  • Exide Life Elite Term Insurance Plan rewards policyholders for their healthy lifestyle by offering various benefits
MAR_DI_182

Term life insurance plans generally offer fixed benefits. When you pay regular premiums, the policy remains active, and in case of your untimely demise, your family receives the sum assured promised in the policy. Given that the premium depends on your health, amongst other factors, shouldn’t there be an incentive from the insurer for you to stay healthy?

Exide Life Elite Term Insurance Plan rewards its holders for maintaining a healthy lifestyle. Not only it offers a substantial life insurance cover at an affordable premium, it also enhances the sum assured at no extra cost, if the holder complies for the Super Elite underwriting rules of the company. Read on to know more about the features and benefits of this pure term life insurance plan by Exide Life Insurance Company.

  • Increased sum assured on maintaining healthy lifestyle at no extra cost

    While buying Exide Life Elite Term Insurance Plan, the proposer has to undergo a medical examination. If the person is a non- smoker and his/her medical report complies with company’s Super Elite underwriting guidelines, he/she will be offered preferential premium rates (Super Elite rates).

    For those who are unable to avail the Super Elite rates during policy application, a second opportunity is presented after 25 months of policy completion. On the 25th month of the policy, along with a policy renewal notice, the customer is given a chance to undergo health re-assessment at the cost of the company. Between the 25th to 37th month of the policy, the policyholder can undergo the health reassessment.

    If the health re-assessment results are favourable and comply with the Super Elite underwriting criteria this time, the sum assured of the policyholder is increased from the 37th month onwards. The increase will be similar to those rates defined in the Super Elite guidelines.

  • How Does the Super Elite Benefit Work?

    Let’s take the case of 40-year-old Anil Mathur who has taken an Exide Life Elite Term Insurance Plan for a period of 30 years with a sum assured of ₹2 crore. While initially, he failed to avail the Super Elite Premium rates, he had to pay an annual premium of a little over ₹35,000. Anil worked on his fitness following a strict diet regime and gave up on junk food.

    After completion of 25 months of the policy, he underwent a health re-assessment and the results complied with the Super Elite underwriting rules of the company. His sum assured was increased to ₹2.18 crores at no extra cost.

    The enhanced sum assured will help Anil’s dependents address increasing expenses and other liabilities in the future in case of his demise during the policy term.

    The Elite Term Insurance Plan is designed to motivate you to stay fit, to help you achieve a better quality of life. For more information on what this policy has in store for you, click here.


Term Plan
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IRDAI notice : Beware of Spurious/ Fraud Phone Calls: IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Exide Life Insurance Company Limited.
IRDAI Registration Number: 114, CIN:U66010MH2000PLC377660
Registered Office: First Floor, Unit No.5 to 8, Inizio Building, Opp P&G Plaza, Cardinal Gracious Road, Chakala, Andheri East, Mumbai – 400 099, India
Corporate Office: Third Floor, JP Techno Park, No. 3/1, Millers Road,
Bangalore- 560 001, India.
2022 Exide Life Insurance Company Limited. All rights reserved.

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