FAQ
Our Mission is to Help People
Any Indian citizen residing in Telangana & Andhra Pradesh or a permanent resident of Telangana or Andhra Pradesh working anywhere in the world can enroll, provided they are between 18 and 60 years of age and are not terminally ill at the time of enrollment.
Membership approval is subject to verification. If an applicant does not meet the eligibility criteria, the membership will be declined, and the amount refunded. The verification process may take up to one week, with refunds processed within 21 days.
Yes, NRIs who are permanent residents of Telangana & Andhra Pradesh and working anywhere in the world are eligible to join.
No, each individual is allowed only one active membership. Duplicate memberships will be rejected during verification.
Applicants must provide valid identity proof, age proof, and nominee details. Additional documents may be requested during verification.
Yes, members can update nominee details by submitting a formal request through the online portal.
Yes, membership requires annual renewal. A one-time joining fee of ₹100 and a renewal fee of ₹100 per year are applicable. These fees cover administrative expenses.
Additionally, Once the collective reaches 25,000 active members, each member will be entitled to accidental emergency coverage of up to ₹50,000 or the actual treatment cost, whichever is lower, at no additional charge. This benefit will be limited to 10 unique claims, approved on a first-come, first-served basis.
If a member fails to contribute to multiple claims, their membership may be suspended or terminated. Rejoining will require clearing pending dues.
No, memberships are non-transferable. However, a family member can enroll separately if they meet the eligibility criteria.
As long as you were a permanent resident of Telangana & Andhra Pradesh at the time of joining, your membership remains valid even if you relocate elsewhere.
Yes, a member can move from one collective to another within one year, but this requires prior permission from the Jeevan Suraksha team. The member must reach out to the team and follow the necessary procedure to facilitate the transfer between collectives.
Contributions & Payouts
Jeevan Suraksha is not a term insurance plan but a collective commitment where members contribute to support a fellow member’s family in times of need. The final payout depends on the total contributions from active members at that time. While the goal is to provide ₹1 crore, the trust does not guarantee a fixed amount, as it is based on collective participation.
Each active member contributes up to ₹500 per claim. The exact amount depends on the number of active members and the total required contribution.
No, there is no limit. Contributions are collected whenever a member passes away.
Contributions will be collected separately for each claim, and payouts will be made accordingly.
The payout will be transferred directly to the nominee’s registered bank account after verification.
The nominee will receive the total amount contributed by active members at that time.
Yes, payouts will not be provided in cases of suicide or self-inflicted injuries.
If the nominee is implicated in the member’s demise, the payout will be transferred to other eligible family members.
If the cause of death is under investigation, the payout will be withheld until legal clearance is obtained.
Yes, the trust reserves the right to merge, split, or restructure groups within the same corpus category based on actuarial science.
Factors such as member age distribution, geography, inflation, and risk assessment will be considered to ensure sustainability. These adjustments help minimize risk and optimize contributions while maximizing benefits for all members.
Yes, when a member passes away, the total number of active members reduces, which can lead to a shortfall in the collective contribution. To address this and ensure the scheme remains self-sustainable, we deduct 1% from the total payout at the time of settlement. This amount is added to a dedicated Posthumous Contribution Account and is used to make the deceased member’s contribution on their behalf. This mechanism helps maintain the financial stability of the group and protects the interests of all remaining members.
Yes, there is a 90-day cooling-off period from the start of the policy. During this time, no claims can be made. This period is in place to ensure that individuals who are already terminally ill at the time of joining are not eligible to make a claim.
Membership Payments & Withdrawal
Missing a contribution may result in the suspension of membership until dues are cleared. Repeated non-payment will lead to termination.
To rejoin, members must clear all pending dues.
Yes, members can withdraw, but fees paid are non-refundable, and withdrawal results in forfeiture of benefits.
No, contributions are non-refundable and are only used for active claims.
Process & Tracking
Members will receive a notification with payment details. Contributions can be made through the secure online portal.
Members can log in to the online portal to view their contribution history, pending payments, and claim status.
No, the maximum contribution per claim is ₹500. However, the frequency of contributions depends on the number of claims.
Legal & Compliance
Yes, Jeevan Suraksha is a part of Health Guard Foundation (HGF), and HGF operates as a registered Trust to ensure transparency and compliance with regulations.
The taxability of payouts depends on government regulations. Members are advised to consult a tax professional.
Communication & Support
Members will receive notifications via email, SMS, or through the official online portal.
Members can contact the support team via the online portal or email for any queries or disputes.
- Jeevan Suraksha Social Service Collective is a collective effort to support members’ families in times of need.
- Timely contributions ensure the smooth functioning of the collective.
Members are encouraged to keep their contact details and nominee information up to date.