Paid Leave Plan
Paid Leave Plan (Sewa Plan) with Life Insurance – Earn Even When You Can’t Work
In today’s life, one illness can disturb not just your health—but also your income. Medical expenses are one side of the problem, but loss of income during illness is an even bigger challenge.
A Paid Leave Plan (Sewa Plan) with Life Insurance is designed to solve this problem. It not only protects your life like a term plan but also pays you directly during illness, helping you manage both medical and personal financial losses.
What Makes This Plan Unique?
Unlike normal health insurance that pays hospitals, this plan :
Key Benefits
- 1. Daily Income Support During Hospitalization
- 2. ICU & Critical Care Support
- 3. Minor Surgery Benefit
- 4. Major Surgery Benefit
- 5. Direct Payout – No Restrictions
- 6. Life Insurance Protection
- 7. Return of Premium (ROP)
● 1% of Sum Assured for room rent (daily benefit)
● Helps manage hospital stay and personal expenses
● 2% of Sum Assured for ICU expenses
Get 5% of Sum Assured for minor surgeries
Get 10% of Sum Assured for major surgeries
Money is paid directly to you—you can use it for.
● Hospital bills
● Household expenses
● Loan EMIs
● Income replacement
Works like a term plan—your family is financially protected in case of an unfortunate event.
At the end of the policy term, you get your total premium back, making it a smart saving + protection plan.
Short Example Story
Ramesh, a 35-year-old working professional, took a ₹10 lakh Paid Leave Plan.
One year later, he was hospitalized due to a serious illness.
During his treatment:
- He received ₹10,000 per day (1%) for room rent
- When shifted to ICU, he received ₹20,000 per day (2%)
- For surgery, he received ₹1 lakh (10%)
This money was paid directly to him, not the hospital.
Because of this:
- His household expenses continued smoothly
- EMIs were paid on time
- He didn’t face financial stress during recovery
At the end of the policy term, he also received his premium back, making it a complete financial solution.
Conclusion
Health insurance pays the hospital.But this plan pays you.
A Paid Leave Plan ensures:
- Income during illness
- Financial stability in tough times
- Life protection + savings benefit
