₹15 Lakh Insurance for Just ₹2 a Day! Post Office Brings Game-Changing Scheme for All Indians

In a groundbreaking move to provide affordable insurance coverage to every citizen, India Post Payments Bank (IPPB), in collaboration with Aditya Birla Capital Insurance, has launched an ultra-low premium Personal Accident Insurance Scheme.

Yes, you heard that right - for less than the price of a cup of tea per day, you can secure up to ₹15 lakh coverage through your nearby Post Office.

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Key Highlights at a Glance

Feature	Plan 1	Plan 2
Premium Amount	₹549/year	₹749/year
Coverage Amount	₹10 lakh	₹15 lakh
Eligibility Age	18 to 65 years	18 to 65 years
Daily Cost	Approx. ₹1.50	Approx. ₹2.00
Availability	All India (Urban + Rural)	All India (Urban + Rural)
Provider	Aditya Birla Capital Insurance	Aditya Birla Capital Insurance
Access Point	Any Post Office or IPPB Branch	Any Post Office or IPPB Branch

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What Does This Insurance Cover?

This Personal Accident Insurance Policy offers financial protection in case of accidental death, permanent disability, or injury. Here's what you get:

• ✅ Accidental Death Benefit

• ✅ Permanent Total Disability Cover

• ✅ Partial Disability Cover (if applicable)

• ✅ Hassle-free Nominee Settlement

• ✅ Wide Network for Claim Settlement

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Who Should Consider This Plan?

This insurance is ideal for:

• 🚜 Farmers & rural workers

• 🛵 Delivery staff & gig workers

• 🧱 Construction laborers

• 🏙️ Urban low-income earners

• 👴 Senior citizens (up to 65 years)

• 👨‍👩‍👧‍👦 Anyone who wants financial protection at low cost

With no medical test required and minimal paperwork, the scheme ensures maximum coverage with minimum effort.

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How to Enroll?

Enrolling in this policy is simple:

1. Visit your nearest Post Office or IPPB branch.

2. Submit basic identity documents like:

   • Aadhaar card

   • PAN card

3. Pay the yearly premium:

   • ₹549 for ₹10 lakh coverage

   • ₹749 for ₹15 lakh coverage

4. Choose a nominee and collect your policy documents.

You can also check eligibility and assistance from the local Sub-Postmaster or Gramin Dak Sevak.

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Why This Scheme is a Big Deal

• 🏛️ Government-backed trust: Managed via India Post

• 💰 Unbeatable affordability: Just ₹1.50-₹2 per day

• 🌍 Nationwide access: Available even in remote villages

• 🕊️ Peace of mind for your family in case of unforeseen accidents

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Important Notes

• The scheme is not a health insurance plan; it covers only accidents.

• Coverage begins after payment confirmation.

• Beneficiaries must claim within the insurance window if an incident occurs.

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Final Thought

If you're someone looking for cost-effective financial safety for your family, this personal accident policy by IPPB and Aditya Birla Capital via Post Offices is one of the most affordable and accessible solutions in India today.

A small step of ₹2 a day could one day provide ₹15 lakh of life-changing support. Don't wait for the unexpected - protect your loved ones now!