👩🛡️ PA Insurance· Women Only· Age 5–75· Individual & Group· the insurer 2025
Freedom, Dignity & Protection for Every Woman — From 5 to 75, Irrespective of Income or Occupation — Rajrajeshwari Women's Freedom Policy, the insurer
Launched on 19 August 2025 by the insurer's Chairman & MD Ms. M. Rajeshwari Singh, the Rajrajeshwari Women's Freedom Policy provides accident insurance for women aged 5 to 75 years — homemakers, farmers, domestic workers, students, senior women — with no income or occupation restrictions. Available as Individual policy and Group policy for SHGs, NGOs, and employers.
✅ Personal Accident Insurance for Women✅ Entry Age 5 to 75 Years✅ No Income or Occupation Restriction✅ Rural & Semi-Urban Focus — Inclusive Reach✅ Both Individual AND Group Variants Available✅ India's Newest Women's PA Insurance (2025)
the insurer Miscellaneous Insurance· Women across India· Rural & Semi-Urban Focus | IRDAI Licensed Broker — Lic. No. 528
🛡️👩🌸🎓👵🤝NRWFP
🏛️IRDAI Licensed Broker· Lic. No. 528
👩Women OnlyAge 5–75· No Restrictions
🤝Individual & Group — SHGs, NGOs, Employers
📞Quote & Enrolment 022 4302 0000
An IRDAI Licensed Insurance Broker
the insurer Miscellaneous· Personal Accident Insurance· Women Only· Launched 19 August 2025
What is the Rajrajeshwari Women's Freedom Policy?
The Rajrajeshwari Women's Freedom Policy is the insurer's newest product — launched on 19 August 2025 — providing personal accident insurance for women across India, especially in rural and semi-urban areas. It is the only the insurer product in this series named after a living person: the insurer's Chairman & Managing Director, Ms. M. Rajeshwari Singh.
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Launched 19 August 2025 — the insurer's Newest Product
"On 19th August 2025, the insurer Limited (NICL) proudly launched the Rajrajeshwari Women's Freedom Policy, a unique initiative dedicated to empowering women with comprehensive insurance protection. The grand launch event was led by our Chairman cum Managing Director, Ms. M. Rajeshwari Singh." — the insurer Official (@NICLofficial)
The first-ever policy was issued to Mrs Chandana Majumder, symbolizing the spirit of protection, dignity, and freedom for women across the nation. The launch was honoured by members of Karma Kutir, a voluntary social welfare organization dedicated to women's empowerment since 1961.
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What the insurer Officially Confirmed (from @NICLofficial)
Product type:"A new product providing for accident insurance benefits to women" — Personal Accident Insurance
Target:"Especially of rural and semi urban areas" — inclusive reach for India's most underserved women
Entry age:5 to 75 years — one of the widest age spans for a women's PA product in India
Eligibility:"Irrespective of their income, occupation or vocation" — homemakers, farmers, domestic workers, students, all eligible
Variants:"Separate products shall be available to Individual and Group" — individual women AND groups (SHGs, NGOs, employers)
Mission:"Your Protection, Our Commitment — tailored to meet the evolving needs of women with security, dignity, and freedom"
Key Features
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Personal Accident Insurance
Accident insurance benefits for women — accidental death, permanent disablement, and more. Protection when it matters most.
by the insurer
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Age 5 to 75 Years
One of the widest age spans for a women's PA product. Covers girls from age 5, working women, and senior women up to 75.
Series Widest Range
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No Income Restriction
No income proof required. No occupation classification. Homemakers, labourers, students — all are equally eligible.
Most Inclusive
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Rural & Semi-Urban Focus
Explicitly designed for women in rural and semi-urban India — where insurance access has historically been lowest.
by the insurer
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Individual Policy
One woman, one policy. She buys it for herself, or a parent/guardian buys it for a girl aged 5–17 years.
Both Variants
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Group Policy
SHGs, NGOs, employers, microfinance institutions cover multiple women under one master policy at group rates.
Group Option
Most Inclusive Eligibility in the Entire the insurer Product Series
Who Is Eligible — Every Woman, Age 5 to 75
The Rajrajeshwari Women's Freedom Policy has the broadest eligibility of any women's insurance product in this series. The only requirement is being a woman between 5 and 75 years of age. No income proof. No occupation classification. No employment status required.
👩 Age Coverage Span — 5 to 75 Years
👧Girls 5–17 yrs
👩Young Women 18–35 yrs
👩🦱Working Women 36–60 yrs
👵Senior Women 61–75 yrs
5 yrs17183536606175 yrs
"Irrespective of their income, occupation or vocation" — the insurer @NICLofficial· Entry age 5 to 75 years
All These Women Are Eligible — No ❌ Anywhere
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Homemaker
✅ Eligible
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Agricultural Labourer
✅ Eligible
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Girl Student (5+)
✅ Eligible
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Domestic Worker
✅ Eligible
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Vegetable Vendor
✅ Eligible
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Factory Worker
✅ Eligible
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NGO Volunteer
✅ Eligible
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Retired (to 75)
✅ Eligible
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Why "No Occupation Restriction" is Revolutionary
Most personal accident products classify buyers by occupation risk — Class I (office/white-collar), Class II (supervisory), Class III (manual/hazardous). A domestic worker or agricultural labourer often pays higher premiums or faces exclusions under these systems.
The Rajrajeshwari Women's Freedom Policy removes this classification entirely — confirmed in the insurer's official announcement: "irrespective of their income, occupation or vocation." A homemaker and a construction site worker face identical eligibility. This is the most democratic PA product in the the insurer portfolio.
Two Policy Variants — Confirmed from the insurer Official
Individual Policy vs Group Policy
"Separate products shall be available to Individual and Group." — the insurer @NICLofficial. Both variants provide accident insurance for women; they differ in who buys the policy and how many are covered.
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Individual Policy
For one woman — personal cover
→ One woman insured per policy
→ Woman aged 18–75 buys for herself
→ Parent/guardian buys for girl aged 5–17
→ Nominee named at inception
→ Claim paid to insured or nominee
→ Suitable for individual purchase
→ Premium based on individual SI and age
→ Contact 022 4302 0000 for SI options and premium
Minors (Age 5–17) — Individual Policy Special Note
For girls aged 5 to 17 years, the policy is purchased by a parent or legal guardian as the proposer. The girl is the insured. In the event of a claim, the benefit is paid to the parent/guardian as the nominee for minor beneficiaries. Once the girl turns 18, the policy can be renewed in her own name with her as the proposer. This mechanism makes the NRWFP one of the only women's PA products in India accessible for girls from school age.
What the Policy Protects Against
Personal Accident Coverage — What It Means for Women
The policy provides accident insurance benefits. The benefit structure below reflects standard Personal Accident Insurance as per IRDAI norms and the insurer's existing PA product range. Exact benefit tables for this specific policy should be confirmed with the insurer.
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New Product Disclaimer — Please Read
This policy was launched on 19 August 2025. Full benefit tables, premium schedules, and exact sum insured options are available from the insurer directly. The coverage structure below reflects standard Personal Accident Insurance benefits consistent with IRDAI's Saral Suraksha Bima standard PA wording and the insurer's existing PA product range. For the exact terms and premium applicable to this specific policy, please call 022 4302 0000 or visit your nearest the insurer branch office.
Standard PA Benefits Table (Reference — Confirm Exact Terms with the insurer)
Benefit
Standard PA Coverage
Notes
Accidental Death
100% of Capital SI
Death within 12 months of accident due to bodily injury from external violent means
Permanent Total Disablement (PTD)
100% of Capital SI
Total and irrecoverable loss of sight of both eyes, both hands, both feet, or one eye and one limb
Permanent Partial Disablement (PPD)
% per benefit schedule
Loss of one limb, one eye, hearing, or speech — percentage varies by severity per IRDAI schedule
Temporary Total Disablement (TTD)
Weekly compensation
When accident temporarily prevents all work — weekly benefit typically 1% of SI per week (confirm with the insurer)
⚠️ The above benefit structure is based on IRDAI standard PA wording. Exact percentages, SI options, and TTD weekly rate for the Rajrajeshwari Women's Freedom Policy are to be confirmed with the insurer. Call 022 4302 0000.
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Accident Risks for Rural and Semi-Urban Women — Why This Policy Matters
Road accidents:India accounts for 11% of global road accident deaths. Rural roads are disproportionately dangerous — women walking, cycling, or on motorcycles face daily risk
Agricultural accidents:Farm machinery, tool injuries, and falls are leading causes of disability among rural women agricultural workers
Household accidents:Burns, falls, and accidents during household tasks (cooking, fetching water, construction) are significant injury sources for homemakers
Financial impact:An accidental death or disability in a rural household can be financially catastrophic — no income replacement, no savings buffer. The accident payout can be the difference between recovery and destitution
Insurance gap:Less than 10% of rural women have any form of accident insurance coverage (NI-MSME data). This policy is designed to close that gap.
How NRWFP Compares — Where It Fits
NRWFP vs NYWAP vs PMSBY — What's Right for You?
Three women's insurance options now available from the insurer and government schemes. Each serves a different need. This comparison helps you choose — or combine — the right cover.
Feature
NRWFP Nat. Rajrajeshwari
NYWAP Nat. Women Safety
PMSBY Govt. Accident Scheme
Coverage Type
Personal Accident (PA)
Comprehensive Package (PA + Health + Income)
PA Only (Death + Disability)
Entry Age
5 to 75 years
Per NYWAP terms (18+)
18 to 70 years
Gender
Women Only
Women Only
All genders
Income Restriction
None — any income
None
Needs bank account (Jan Dhan linked)
Occupation Restriction
None — any occupation
None
None
Rural/Semi-Urban Focus
Yes — explicitly stated
Not specifically targeted
Yes (via Jan Dhan)
Individual Policy
✅ Yes
✅ Yes
Via bank account
Group Policy
✅ Yes (SHGs, NGOs)
❌ No
Via employer/bank
Girls from Age 5
✅ Yes
❌ No
❌ No (min 18)
Hospitalization Cover
Not confirmed
Yes (included)
No
Premium
Contact the insurer/022 4302 0000
Contact the insurer for premium
₹20/year (Government)
Launched
19 August 2025 — Newest
Earlier the insurer product
May 2015 (Government)
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Can I Have Both NRWFP and NYWAP?
Yes. Different insurance policies can complement each other. NRWFP provides accident-specific PA protection. NYWAP provides a comprehensive package including health/hospitalization. If you want accident protection AND health cover, having both policies is entirely valid — subject to standard contribution and coordination of benefits rules. Contact 022 4302 0000 to understand the best combination for your needs.
The Name, The Goddess, The Person, The Heritage
The Story Behind the Name "Rajrajeshwari"
The name "Rajrajeshwari" carries three layers of meaning — divine feminine power, the honor of the insurer's serving CMD, and a legacy in Indian women's insurance stretching back decades.
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The Goddess — Rajrajeshwari
Rajrajeshwari (also known as Tripura Sundari or Lalita) is a revered goddess in Hindu tradition — representing feminine power, grace, and protection. "Raj" means sovereign, "Rajeshwari" means goddess of queens. The name invokes the highest expression of protective feminine energy.
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the insurer's CMD — Ms. M. Rajeshwari Singh
The policy is named in honour of the insurer's Chairman & Managing Director, Ms. M. Rajeshwari Singh — the first female CMD in the insurer's history. The Rajrajeshwari Women's Freedom Policy was launched under her leadership on 19 August 2025, making it the defining product of her tenure at the insurer.
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The Heritage — Raj Rajeshwari Mahila Kalyan
the insurer (the insurer's sister PSU) has long offered the "Raj Rajeshwari Mahila Kalyan Yojana" — a women's PA policy for ages 10–75. the insurer's new product honours this legacy of women-specific accident insurance while extending it further: starting from age 5 and removing income/occupation restrictions entirely.
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First Policyholder — Mrs Chandana Majumder
The first-ever Rajrajeshwari Women's Freedom Policy was issued to Mrs Chandana Majumder at the official launch on 19 August 2025. Her name is now inscribed in the insurer's history as the first woman to hold this policy — symbolizing "the spirit of protection, dignity, and freedom for women across the nation."
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Karma Kutir — Women's Welfare Since 1961
The launch was honoured by members of Karma Kutir — "a renowned voluntary social welfare organization dedicated to women's empowerment since 1961." Their presence signals the insurer's intent to distribute the Group policy through NGOs and women's welfare organisations, reaching rural women who need it most.
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Independence Day — 19 August 2025
The launch just days after India's Independence Day is symbolically resonant — the Rajrajeshwari Women's Freedom Policy was launched in the spirit of women's freedom and economic independence. "Freedom" in the policy name reflects both personal security and the liberty that comes from financial protection.
India Has 12+ Crore SHG Members — Mostly Women
Group Policy — For SHGs, NGOs & Employers
India's Self-Help Group network is the largest women's financial inclusion infrastructure in the world — 12+ crore members, mostly in rural and semi-urban India. The Rajrajeshwari Women's Freedom Policy's Group variant is designed to serve this network directly.
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Who Can Buy the Group Policy
Self-Help Groups (SHGs):The SHG takes a master group policy. All member women are covered. Single premium payment by the SHG from group funds or individual member contributions pooled together
Women's NGOs:NGOs running women's welfare programmes can cover their beneficiaries, volunteers, and community members under a Group policy
Employers:Any employer with women staff — factories, farms, domestic service agencies, cooperatives — can cover their women employees under the Group variant
Microfinance Institutions:MFIs lending to women borrowers can bundle the Group policy with their loan products — providing borrowers with accident protection alongside credit access
Women's Cooperatives:Dairy cooperatives, weaving cooperatives, SEWA members, women's farmer producer organisations — any collective of women can pool resources for Group cover
How the Group Policy Works — 5 Steps
Step 1 — Proposal
The SHG/NGO/employer fills the insurer's Group PA proposal form. Provide details of all women members to be covered — name, age, SI required. Contact 022 4302 0000 for the proposal form and guidance.
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Step 2 — Underwriting
the insurer assesses the group proposal. Group size, average age of members, and SI chosen determine the group premium rate. No individual medical underwriting for standard SI bands.
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Step 3 — Premium Payment
Single premium payment by the organisation covers all members. Premium is typically lower per head than individual policies due to group economies of scale.
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Step 4 — Member Certificates
the insurer issues individual member certificates to each covered woman. Each certificate shows her name, SI, policy number, and nominee details. This is her proof of insurance coverage.
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Step 5 — Claims
When an insured woman suffers an accident, her certificate and standard claim documents are submitted to the insurer. Claims are settled directly to the insured woman or her nominee — not through the SHG/organisation.
What to Do When an Accident Occurs
Claim Process — Personal Accident Claims
For accidental death claims: notify the insurer immediately. For disability claims: medical assessment is required. Claim should be intimated as early as possible after the accident — do not delay beyond 30 days of the event.
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Step 1 — Notify Immediately
Call 022 4302 0000 or visit the nearest the insurer office as soon as possible after the accident. For accidental death: notify within 24 hours. For disability: notify within 30 days. Early notification protects your claim.
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Step 2 — Police FIR
For road accidents, assault-related accidents, or accidental death — file an FIR with the local police immediately. The FIR establishes the accidental nature and timing of the event. Preserve the FIR copy.
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Step 3 — Medical Treatment & Records
Seek medical treatment at the earliest. Preserve all hospital records, doctor's certificates, X-rays, prescription slips, discharge summary. For disability claims: get a certificate from a registered medical practitioner confirming the nature and degree of disablement.
Step 4 — Submit Claim Form
Complete the insurer's personal accident claim form. Attach: FIR copy, medical records, disability certificate (if applicable), death certificate + post-mortem report (for death claims), policy certificate, nominee ID proof.
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Step 5 — Assessment
the insurer reviews documents. For disability claims: independent medical assessment may be required to determine degree of permanent disablement. For TTD (temporary disability): regular medical certificates showing continued incapacity.
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Step 6 — Settlement
Claim is settled per the confirmed benefit table. Payment goes to the insured woman (for disability/TTD claims) or her nominee (for death claims). Group policy members: settlement direct to individual, not through the SHG/organisation.
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Documents Required by Claim Type
Accidental Death:Death certificate· FIR / Panchanama· Post-mortem report· Nominee's ID & bank account proof· Policy certificate· Hospital records (if admitted)
Permanent Disablement:FIR· Hospital records + discharge summary· Disability certificate from registered medical practitioner· X-rays (for limb loss)· Ophthalmologist's report (for vision loss)
Temporary Total Disablement (TTD):Doctor's certificate of incapacity· Hospital records· Weekly certificates confirming continued incapacity· Employment/income proof (if relevant)
For Girls (age 5–17):Same documents as above + parent/guardian's ID as nominee + birth certificate of insured girl
Women's Freedom Policy Questions
Frequently Asked Questions
The Rajrajeshwari Women's Freedom Policy is the insurer's newest personal accident insurance product — launched on 19 August 2025 by the insurer's Chairman & Managing Director, Ms. M. Rajeshwari Singh. It is a personal accident insurance policy designed specifically for women, especially in rural and semi-urban India.
Why it is significant: 1. It is the newest product in the insurer's portfolio — less than a year old as of 2025 2. It covers women from age 5 to 75 — one of the widest age ranges for a women's PA product in India 3. It has NO income or occupation restrictions — homemakers, agricultural labourers, domestic workers, and students are all equally eligible 4. It explicitly targets rural and semi-urban women — the most underserved segment for insurance in India 5. It is available both as an Individual policy AND a Group policy — enabling SHGs, NGOs, and employers to cover groups of women collectively
The first policy was issued to Mrs Chandana Majumder at the official launch. Members of Karma Kutir (women's welfare organisation since 1961) were present, signaling the policy's intent to reach grassroots women's networks across India.
"Rajrajeshwari Women's Freedom Policy reflects our vision of 'Your Protection, Our Commitment', tailored to meet the evolving needs of women with security, dignity, and freedom." — the insurer @NICLofficial
YES — the Rajrajeshwari Women's Freedom Policy is explicitly available to women "irrespective of their income, occupation or vocation."
All of the following are equally eligible: → Homemakers (no income proof needed) → Agricultural labourers and farm workers → Domestic workers / household help → Self-employed women (vendors, artisans, traders) → Women employed in factories or construction → Students (from age 5 onwards) → NGO volunteers and social workers → Retired women (up to age 75) → Women with disabilities (subject to the insurer assessment)
What makes this unique: Most personal accident products use occupation classification (Class I office workers, Class II supervisory, Class III hazardous/manual) to determine eligibility and premium. Domestic workers, farm labourers, and construction workers often face higher premiums or exclusions under this system.
The NRWFP removes this barrier entirely — no occupation class, no income proof, no employment status verification. A woman submitting a proposal for this policy does not need to prove her occupation or income. This makes it genuinely accessible to the approximately 96 million women in India who are homemakers without formal income.
YES — the entry age confirmed by the insurer is 5 to 75 years. An 8-year-old girl can be covered under the Rajrajeshwari Women's Freedom Policy.
For girls aged 5–17 (minors): The policy is purchased by a parent or legal guardian as the proposer. The girl is the insured person. Nominee is typically the parent/guardian for claims during minority. When the girl turns 18, the policy can be renewed with her as the proposer in her own right.
Why age 5 matters: Girls in India face accident risks from an early age — school travel, farm accidents if in rural agricultural families, playground accidents, household accidents. Starting coverage from age 5 provides financial protection during the most vulnerable formative years when other insurance products leave girls unprotected.
Comparison: → PMSBY (Government scheme): Minimum age 18 — girls under 18 excluded → Most commercial PA products: Minimum age 5–18 depending on product → NRWFP: Minimum age 5 — one of the youngest entry ages for a standalone women's PA product in India
For senior women aged 61–75: Also eligible — one of the few women's PA products extending to age 75. PMSBY cuts off at 70.
the insurer confirmed: "Separate products shall be available to Individual and Group." Both provide accident insurance for women — they differ in who the policyholder is and how coverage is structured.
Individual Policy: → One woman insured per policy → The woman herself is the proposer (or her parent/guardian for ages 5–17) → Premium paid by the individual → SI and benefits tailored to her → Suitable for women buying personal protection independently
Group Policy: → Multiple women insured under one master policy → Policyholder is an organisation: SHG, NGO, employer, microfinance institution, women's cooperative → Single premium payment by the organisation for all members → Individual member certificates issued to each covered woman → Claims settled directly to the individual woman/nominee → Typically more economical per head than individual policies → Minimum group size: contact the insurer (standard group PA minimum is typically 10–25 members)
Which to choose: Individual: Best for a woman buying personal protection for herself or for her minor daughter Group: Best for SHGs, women's NGOs, employers of women, MFIs, and women's collectives — enables mass coverage of rural women at accessible premiums
The combination of Individual + Group variants is what makes NRWFP uniquely scalable — it can protect one woman and can protect 10,000 women simultaneously.
The Rajrajeshwari Women's Freedom Policy provides "accident insurance benefits" — this means Personal Accident (PA) insurance coverage.
⚠️ Important note: This policy was launched on 19 August 2025. Full benefit tables and exact coverage terms are available from the insurer directly. The following reflects standard PA insurance benefits consistent with IRDAI norms. Call 022 4302 0000 for exact terms of this specific policy.
Standard PA Benefits (per IRDAI norms): → Accidental Death: 100% of Capital Sum Insured — paid to nominee → Permanent Total Disablement (PTD): 100% of CSI — total loss of sight (both eyes), both limbs, or one eye and one limb → Permanent Partial Disablement (PPD): Percentage of CSI per benefit schedule — varies by type of injury → Temporary Total Disablement (TTD): Weekly compensation while completely unable to work due to accident injury
What counts as an "accident": Bodily injury caused by external, violent, visible means — accidentally sustained. Road accidents, farm accidents, falls, burns, drowning, physical assault — all qualify if they cause death or disablement. Natural illness and disease are NOT covered by PA (for health coverage, NRWFP complements rather than replaces a health insurance policy).
Geographic scope: Confirm with the insurer — most the insurer PA products provide India-wide coverage.
Both are the insurer products for women, but they serve different purposes and eligibility profiles:
National Women Safety Policy (NYWAP): → A comprehensive PACKAGE policy — covers health hospitalization, PA, and loss of job income → Multiple sections including health/hospitalization coverage → Typically for employed women in formal sector → No Group policy variant → Launched earlier as part of the insurer's women's product range
Rajrajeshwari Women's Freedom Policy (NRWFP): → A focused PA-only policy — specifically accident insurance → Broader eligibility: age 5–75 (vs. adult-only for NYWAP) → No income or occupation restrictions — homemakers, farm workers, domestic staff all eligible → Explicitly for rural and semi-urban women → Available in BOTH Individual AND Group variants → Launched 19 August 2025 — the insurer's newest product
Can I have both? Yes. NRWFP (accident focus) and NYWAP (comprehensive health + PA + income) complement each other. Many women may benefit from having both — NRWFP for accident-specific protection and NYWAP for the broader comprehensive cover. Contact 022 4302 0000 to discuss the right combination.
Both are PA insurance products covering women, but they have key differences:
PMSBY (Pradhan Mantri Suraksha Bima Yojana): → Government scheme, administered by general insurers including the insurer → Very low premium: ₹20/year (annual) → Fixed benefit: ₹2 lakh for accidental death/full disability; ₹1 lakh for partial disability → Age: 18 to 70 years (bank account holders only) → For all genders (not women-specific) → Linked to bank accounts — requires Jan Dhan/savings account → No Group NGO policy option
Rajrajeshwari Women's Freedom Policy: → the insurer product, commercial insurance with flexible terms → Premium: based on SI and age (contact the insurer for rates) → Flexible SI: options beyond ₹2 lakh available (confirm with the insurer) → Age: 5 to 75 years (no bank account required) → For women only — targeted product → Explicitly for rural/semi-urban women without bank account requirements → Group policy for SHGs, NGOs — institutional distribution
Can I have both? Yes — if you are 18–70 and have a bank account, you can hold PMSBY (₹2L cover at ₹20/year) AND NRWFP (additional cover on top). NRWFP extends protection to girls under 18 and women over 70 who cannot access PMSBY. For SHGs wanting group coverage beyond PMSBY's individual bank-linked model, NRWFP's Group variant is the right choice.
The Group policy for SHGs and women's organisations is purchased at the organisational level — the SHG or NGO is the policyholder, not the individual members.
How to proceed: 1. Contact 022 4302 0000 or visit the nearest the insurer branch — explain you want the Group Rajrajeshwari Women's Freedom Policy for your SHG/NGO 2. Get the Group PA proposal form from the insurer 3. Complete the form with: organisation name and address, number of women members to be covered, age details of all members, sum insured required, nominee details for each member 4. Submit the form with a list of all members (names, ages, nominee names) 5. the insurer will calculate the group premium based on group size and average age 6. Single premium payment by the organisation covers all members for one year 7. the insurer issues a master group policy + individual member certificates
Key advantages of the Group route for SHGs: → One annual payment from SHG funds covers all members → Group rates are typically more economical per head → No individual paperwork required from each member → Members get individual certificates as proof of coverage → Claims settled directly to the individual member/nominee
Contact us: Probitas Insurance Brokers (IRDAI Lic. 528) can facilitate Group policy applications for SHGs and NGOs. Call 022 4302 0000 or email contact@takemyinsurance.com
Documents required vary by claim type:
Accidental Death Claim: → Duly filled claim form (available from the insurer) → Original policy / member certificate → Death certificate from municipal authority → FIR (First Information Report) from police → Post-mortem / inquest report → Hospital records (if hospitalized before death) → Nominee's ID proof (Aadhaar / voter ID / passport) → Nominee's bank account details for direct transfer
Permanent Disablement Claim: → Claim form → Original policy / member certificate → FIR (for accident-related injuries) → Hospital admission and discharge summary → Medical certificate from treating doctor specifying nature of injury and degree of permanent disablement → X-rays / specialist reports as applicable → Insured's bank account details
TTD (Temporary Total Disablement) Claim: → Claim form → Doctor's certificate of incapacity → Weekly continuation certificates → Hospital records
For minor insured girls (age 5–17): Same documents as above, plus: girl's birth certificate, parent/guardian's ID and bank account details as nominee
For Group policy members: Individual member certificate (issued by the insurer) + same documents as above. Claims are settled directly to the individual member/nominee — not routed through the SHG/organisation.
The inclusion of girls from age 5 is one of the most distinctive and socially significant features of this policy. It makes the NRWFP one of the very few standalone women's PA products in India accessible for girls from school age.
What protection a 5-year-old girl receives: Standard PA benefits apply regardless of age — accidental death (100% of SI to parents as nominee), permanent disablement (% of SI per benefit table), and TTD if applicable.
Why starting from age 5 matters: → Road accidents are the leading cause of accidental death among children in India — a girl travelling to school faces daily road risk → Farm accidents: In agricultural households, girls participate in farm work from an early age — scythe cuts, falls, machinery injuries → Household accidents: Burns, falls, and drowning are significant causes of childhood injury → PMSBY (Government scheme) starts at 18 — leaving a 13-year gap where girls have no PA protection → Most commercial PA products start at 5 or 18 — NRWFP fills this gap for the 5–17 age group
Financial impact: If a 10-year-old girl is permanently disabled in an accident, the SI payout can fund years of medical treatment, rehabilitation, and education. The benefit goes to the parents as nominees for a minor insured — providing financial relief to the family at the time of greatest need.
Social significance: A parent buying this policy for their daughter is making a statement: their daughter's life and health has economic value and deserves formal financial protection. In communities where daughters are seen as lower priority for spending, the low premium PA insurance can be the entry point for financial inclusion for the girl child.
Get Your NRWFP Quote
Enquiry Form — Women's Freedom Policy
Our the insurer-empanelled specialists will contact you within one working day with complete details — premium, SI options, and enrolment process — for both Individual and Group variants of the Rajrajeshwari Women's Freedom Policy.
👩 Product Type
📋 Contact Details
👤 Individual Policy Details
🤝 Group Policy Details
By submitting you agree to our Privacy Policy and Terms & Conditions. Rajrajeshwari Women's Freedom Policy — launched 19 August 2025. Full terms, benefit table, and premium details available from the insurer. Subject to the insurer underwriting. Probitas Insurance Brokers Pvt. Ltd.· IRDAI Lic. No. 528.
👩🛡️ Freedom, Dignity & Protection for Every Woman — Age 5 to 75
Rajrajeshwari Women's Freedom Policy — the insurer's newest women's PA insurance. No income or occupation restrictions. Individual and Group variants. Call 022 4302 0000 to enrol.