Jeevan Suraksha Social Security Collective, an initiative of Health Guard Foundation, is a community driven initiative founded by IT employees for IT professionals and all sections of society, ensuring financial stability in times of loss. Members contribute a nominal amount only when a fellow member passes away, providing up to ₹1 Crore in support to the bereaved family. Contributions are transferred directly to the nominee’s account through our website, ensuring complete transparency while enabling us to track transactions and efficiently manage the collective.
What if We’re No Longer Around?
Our family depends on us. Traditional life insurance is not affordable for all and comes with many restrictions, but Jeevan Suraksha Social Security offers an affordable, community-based alternative with better coverage.
Protect your loved ones today—because their future matters.
Jeevan Suraksha Social Security Collective Scheme is a voluntary, community-based mutual aid initiative operated by Health Guard Foundation, a registered Public Charitable Trust. The scheme is offered through the official portal www.jeevansuraksha.org.
Our Mission
To build a caring and supportive community where members stand together to provide financial security to beneficiary through small contributions.
How It Works?
- Individuals can join by paying a nominal registration fee of ₹100 and an annual renewal fee of ₹100.
- The scheme starts once 1,000 members enrol in a respective collective.
- Upon the unfortunate demise of a member, all active members contribute a small amount (starting at ₹500).
- As membership grows, contributions per death gradually reduce (as low as ₹35).
- The collected fund is swiftly disbursed to the nominee of the deceased member.
- Jeevan Suraksha portal allows members to track contributions and payments.
- Members are encouraged to invite others to join and help reach the target membership faster
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Membership Fee: An annual membership and administrative fee of ₹100 is collected solely towards operational, technology, audit, and compliance expenses. This fee is not refundable and does not form part of any contribution, claim, or benefit.
Multiple Collectives for Different Member Groups
To make the system inclusive and scalable, we offer different collectives based on financial capacity and preferences:
₹1 Crore & ₹50 Lakhs Collectives – IT & Govt. Employees
The ₹1 Crore & ₹50 Lakhs Collectives are a support initiative exclusively for IT professionals and government employees. The goal is to create a financial safety net for the families of members in case of an unfortunate demise. Each member pledges to contribute a small amount when a fellow member passes away, ensuring their family receives ₹1 Crore immediately.
₹1 Crore, ₹50 Lakhs & ₹25 Lakhs Collectives – Private Employees, Farmers & Business Owners
The ₹1 Crore, ₹50 Lakhs & ₹25 Lakhs Collectives are a support initiative exclusively for all Private Employees & Business Owners. The goal is to create a financial safety net for the families of members in case of an unfortunate demise. Each member pledges to contribute a small amount when a fellow member passes away, ensuring their family receives ₹25 Lakhs to ₹1 Crore immediately.
Upcoming Collectives - ₹5 Crores to ₹5 Lakhs
Ranging from ₹5 Crores to ₹5 Lakhs
Illustration Table
Contribution Calculation Based on Membership Growth
The total amount collected per case depends on the number of active members contributing. Below is an estimate of how the per-member contribution reduces as membership increases:
| Total Members | Contribution Per Member (₹) | Total Collected Fund (₹) |
|---|---|---|
|
1,000 |
500 |
500,000 |
|
5,000 |
300 |
1,500,000 |
|
10,000 |
200 |
2,000,000 |
|
50,000 |
100 |
5,000,000 |
|
100,000 |
75 |
7,500,000 |
|
200,000 |
50 |
10,000,000 |
|
300,000 |
35 |
10,500,000 |
Why Join Jeevan Suraksha Social Security Collective?
Financial Security
Ensure your family is protected in unforeseen circumstances. *Legal Disclaimer: Jeevan Suraksha Scheme is not an insurance policy and does not guarantee any fixed or assured payout. Financial assistance to nominees is strictly limited to the actual contributions collected from active members at the time of claim.
Community Strength
Be part of a network that supports each other in times of need.
Affordable Model
Start small, contribute less over time, and benefit from collective security.
Transparent Operations
No middlemen; direct transfers to the nominees of deceased member.
Quick Disbursement
Funds are distributed promptly after verification.
Membership Growth Benefits Everyone
More members mean lower contributions per case.
1. Declaration & Consent
Any member joining Jeevan Suraksha Social Security Collective, initiated by Health Guard Foundation, hereby declare that he or she voluntarily joining the Jeevan Suraksha Social Security Scheme, a community-based mutual aid initiative operated by Health Guard Foundation through its official portal www.jeevansuraksha.org.
I clearly understand, acknowledge, and agree to the following:
2. Nature of the Scheme
Jeevan Suraksha is a voluntary mutual-aid and social security scheme.
It is NOT an insurance policy, NOT a guarantee, and NOT regulated by IRDAI.
3. Contributions & Assistance
Financial assistance to the nominee of a deceased member is entirely contribution-based.
The amount payable is strictly limited to the actual contributions collected from active members at the time of claim.
No fixed or assured amount, including ₹1 crore, is promised or guaranteed.
If the expected or indicative amount is not fully collected, the nominee shall receive only the amount actually collected.
4. Annual Membership & Administrative Fee
Members agree to pay an annual membership and administrative fee of ₹100 (Rupees One Hundred only).
Members understand that this fee is:
Collected solely for administrative, operational, technology, audit, and compliance expenses
Not refundable
Not linked to any contribution, claim, or benefit under the scheme
5. Member Responsibilities
Members agree to:
Contribute promptly whenever a valid contribution request is raised
Provide true, complete, and accurate information
Follow the Scheme Rules, Trustee decisions, and guidelines
Act in good faith and maintain discipline and integrity
6. Limitation of Liability
Members understand that the Trust, Trustees, and office bearers are not personally liable for any shortfall in collections.
Members shall not make any claim beyond what is expressly provided under the Scheme Rules and Trustee Resolution.
7. Amendments
Members agree that the Scheme Rules, contribution structure, or administrative processes may be amended by the Trust from time to time, and such amendments shall be binding on me. The scheme operates strictly in accordance with the Trust Deed of Health Guard Foundation and applicable Indian laws.
8. Final Affirmation
Members confirm that:
They are joining this scheme with free consent, without coercion
They have read and understood the Scheme Rules, Trustee Resolution, and disclaimers
The information provided by them is true and correct