National RajRajeshwari Women's Freedom Policy (Individual and Group)

The National Rajrajeshwari Women's Freedom Policy, launched by National Insurance Company Limited, is a specialized accident insurance product designed to support women across rural and semi-urban India. With lifetime renewability and inclusive eligibility, it offers both individual and group coverage for women aged 5 to 75 years, regardless of income or occupation.

Target Audience

Individual Proposers: Parents/guardians of girl children, women (married/unmarried), husbands of married women
Group Proposers: Schools, NGOs, Self Help Groups, Employers, and other non-insurance-specific groups
Insured Persons: Girl children (under 18), women (18+), multiple eligible family members under one policy

Basic Coverage Benefits

Description	Girl Child (<18 yrs)	Woman (18+ yrs)
Sum Insured	₹1,00,000	₹2,00,000
Permanent Total Disablement	100% of SI	100% of SI
Permanent Partial Disablement	50% of SI	50% of SI
Death Cover	100% of SI	100% of SI
Death due to Surgical Procedure	Available	Available
Death during childbirth surgery	Not Available	Available (if married)
Death of Insured Husband	Not Available	Available (if married)

Optional Coverage Benefits

Description	Girl Child (<18 yrs)	Woman (18+ yrs)
Critical Illness (11 types)	₹1,00,000	₹2,00,000
Daily Hospital Cash	₹250/day (max 15 days)	₹500/day (max 15 days)
Funeral Expenses	₹5,000	₹10,000
Temporary Total Disablement	NA	₹2,500/month (max ₹7,500)
Legal Divorce Support	NA	Up to ₹20,000
Children’s Education Benefit	NA	Up to ₹50,000
Household Goods Loss	NA	Up to ₹20,000

Discounts Available

Individual Product:

10% Direct Discount (no intermediary)
10% Family Discount (multiple female members)
Long-Term Policy Discounts:
- 2 years: 5.5%
- 3 years: 9%

Group Product:

10% Direct Discount
Group Size-Based Discount (up to 30%)

Key Notes

Covers injuries from accidents, surgeries (e.g., sterilization, hysterectomy), and gynecological cancers
Includes protection against animal/insect bites
Designed for housewives, students, domestic workers, and women in the unorganized sector

This policy is a bold step toward financial empowerment and health security for women, especially in underserved communities. It combines accident protection with critical illness support, education benefits, and even legal aid for divorce — making it one of the most comprehensive women-centric insurance products in India.

For more details, contact Alok Agrawal / Pavni Agrawal
9415210623/9451412879

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