Postal Life Insurance (PLI)

Postal Life Insurance is a pioneering insurance initiative in India and is the earliest scheme of its kind. What sets it apart is its ability to offer substantial returns, complete with bonuses, all at remarkably affordable premiums. Since its inception, PLI provides individuals with a reliable avenue to safeguard their future with cost-effective premiums. In a world of uncertainties, PLI stands as a testament to the power of simplicity and reliability. Let’s learn more about that.

What is Postal Life Insurance?

Postal Life Insurance (PLI) is a life insurance program run by the government in India. It offers insurance protection to central and state government employees, defence personnel, and workers in various government entities.

Launched on February 1, 1884, PLI initially aimed at benefiting postal employees. Over time, its scope expanded to include those working in the Telegraph Department in 1888.

Back in 1894, PLI took a groundbreaking step by offering insurance to female employees of the former P & T Department when no other insurance company did. As the oldest life insurer in the country, PLI has witnessed remarkable growth. Starting with just a few hundred policies in 1884, it has now surpassed 50 lakh policies as of March 31, 2021.

PLI's coverage has expanded significantly, now including employees from Central & State Governments, Defence and Paramilitary Services, Public Sector Undertakings, Banks, Educational Institutions, Local Bodies, and professionals like doctors, engineers, chartered accountants, MBAs, lawyers, along with employees of companies listed with BSE - Bombay Stock Exchange / NSE - National Stock Exchange.
 

What Is Rural Postal Life Insurance?

Rural Postal Life Insurance (RPLI) is a program by the Indian postal department. It aims to offer life insurance to people living in rural parts of India. It started in 1995, following suggestions from the Malhotra Committee in 1993. This committee found that only 22% of Indians had insurance, and life insurance made up only 10% of household savings. RPLI was designed to bridge this gap.

RPLI leverages the extensive postal network across the country, making insurance services cost-effective and accessible. This move is crucial for ensuring that insurance reaches rural areas, contributing to inclusive financial growth in India.

PLI Statistics – A Detailed Report

Let’s look at a detailed report to get a better understanding before you head on to buy insurance –

Features of Postal Life Insurance Policy

Postal Life Insurance policy offers several benefits, including –

• Nomination Facility
  You can choose a nominee to receive the benefits of the policy, and you can also update this choice if needed.
   
• Loan Facility
  If you  hold an endowment assurance policy for three years or a whole life insurance policy for four years, you can take a loan against it. You can use the policy as security to borrow money from the Regional or Circle Heads on behalf of the President of India. Additionally, assignment facilities are available under this plan. PLI holders can avail loans against their policies through the postal department.
   
• Policy Revival
  If your policy gets lapsed due to non-payment of premiums, you can revive it under certain conditions –
• • You have missed 6 premium payments in a row and the policy has been active for less than 3 years.
  • You have missed 12 premium payments in a row and the policy has been active for more than 3 years.
     
• Duplicate Policy Document
  If you lose your original policy document, a duplicate will be provided by the post office. This also applies if the original document is destroyed by fire, damage, or mutilation, upon your request.
   
• Conversion Of Policy
  You can switch your insurance from whole life assurance to endowment assurance. Additionally, an endowment assurance policy can be converted to another endowment assurance plan, following the guidelines provided by the insurer.
   
• Maximise Returns And Track Premiums
  Enjoy high returns and bonus rates while keeping premiums affordable. India Post also provides a convenient passbook feature to track premium payments, keeping you updated with regular transaction entries.
   

What is The Eligibility Criteria of Postal Life Insurance?

Let’s look at a detailed explanation of the eligibility criteria required to buy PLI -

Types of Policies Offered By Postal Life Insurance (PLI)

Postal Life Insurance (PLI) offers various policy options that include –

Whole Life Insurance (Suraksha)

Under this PLI scheme, you receive the sum assured along with any accrued bonus when you reach 80 years of age. If you pass away during the policy period, then the amount goes to your legal representative. Here are some key details –

• Scheme: The assured amount plus accrued bonus is paid to the nominee, assignee, or legal heir after you unfortunately pass away.
• Age Eligibility: Minimum age is 19 years, and the maximum age is 55 years.
• Policy Conversion: You can convert this policy to an endowment assurance policy after completing a year and before you turn 57 years old.
• Minimum Sum Assured: Rs. 20,000.
• Maximum Sum Assured: Rs. 50 lakh.
• Loan Facility: Available after four years of completing the policy.
• Policy Surrender: After 3 years, you can surrender the policy. If surrendered or assigned for a loan, a bonus on the reduced assured amount may be accrued.
• Medical Examination: It is mandatory for this policy.
• Premiums Payable: The premiums payable are calculated based on factors like the age of maturity and entry, making them variable for each applicant.
• Premium Payment Age: Choose your from these options - 55, 58, or 60 years.
• Conversion Option: You can convert to an endowment assurance policy until you turn 59 years old.

Endowment Assurance (Santosh)

With this PLI scheme, you are guaranteed the total sum assured and accrued bonus until you reach a set maturity age. This age could be 35, 40, 45, 50, 55, 58, or 60 years. If you pass away, your nominee, legal heir, or assignee receives the total sum and accrued bonus. Here are some key features –

• Scheme: The assured amount plus accrued bonus is paid to you when you reach the predetermined maturity age. In the event of your  unforeseen demise, the sum assured and bonus are payable to the assignee, nominee, or legal heir.
• Age Eligibility: You can apply for this policy if you are between 19 and 55 years old.
• Policy Conversion: You have the option to convert this policy to any other endowment assurance policy as per PLI's rules and regulations.
• Minimum Sum Assured: Rs. 20,000.
• Maximum Sum Assured: Rs. 50 Lakhs.
• Loan Facility: You can avail a loan after 3 years of completing the policy.
• Policy Surrender: After three years of policy completion, you can surrender the policy. However, if you surrender or assign the policy for a loan within 5 years of completion, it will not be eligible for the bonus. Yet, if assigned for a loan or surrendered, a proportionate bonus on the reduced assured amount may be accrued.
• Medical Examination: It is mandatory for this policy.
• Premiums Payable: Premiums vary depending on factors like the age of maturity and entry, tailored to each applicant's circumstances.

Convertible Whole Life Insurance (Suvidha)

This policy ensures you receive the total sum assured and accrued bonus until you reach maturity age. If you pass away, your nominee, legal heir, or assignee gets the total sum and accrued bonus. Here are the key features –

• Age Eligibility: Applicants must be between 19 and 55 years old.
• Policy Conversion: After 5 years, the policy can be converted to endowment assurance but you must not exceed 55 years of age. If not converted, the policy will automatically become a whole life insurance policy.
• Minimum Sum Assured: Rs. 20,000.
• Maximum Sum Assured: Rs. 50 lakhs.
• Loan Facility: Available after 3 years of completing the policy.
• Policy Surrender: After 3 years, the policy can be surrendered. If surrendered or assigned for a loan within 5 years of completion, it will not be eligible for the bonus. However, if assigned for a loan or surrendered, a proportionate bonus on the reduced assured amount may be accrued.         
• Medical Examination: It is mandatory for this policy.
• Premiums Payable: Premiums are calculated based on factors like the age of maturity and entry, tailored to each applicant's circumstances.

Anticipated Endowment Assurance (Sumangal)

Also called a Money Back Policy, this PLI scheme is ideal if you need regular payouts as these offer periodic returns. You receive survival benefits regularly, but these payouts do not apply if you, unfortunately, pass away. Here are the key features and requirements of the plan -

• Scheme: Money-back policy.
• Policy Terms Available: 15 and 20 years. For a 20-year term policy, you can apply between the ages of 19 and 40 years. For a 15-year term policy, the age range is 19 to 45 years.
• Term Policy Duration: For a 15-year term policy, 20% of benefits are paid out after 6, 9, and 12 years, with 40% of the assured sum plus bonus paid at the end of 15 years. For a 20-year term policy, 20% of benefits are paid out after 8 and 16 years, with 40% of the assured sum plus bonus paid at the end of 20 years.
• Maximum Sum Assured: Rs. 50 lakhs.
• Payout: In the event of unexpected death, periodic payments are not considered, and the full sum assured plus accrued bonus is payable to the assignee or legal heir.
• Medical Examination: It is mandatory for this policy.
• Premiums Payable: Premium calculations are based on factors such as age of maturity and entry, making them variable for each applicant.

Joint Life Endowment Assurance (Yugal Suraksha)

This policy covers both spouses with a single premium, providing coverage for the total sum assured and accrued bonus. If either of the spouses passes away, the surviving spouse receives the death benefits. Here are the key features –

• Age Eligibility: Both spouses must be between 19 and 55 years old.
• Policy Conversion: You can convert this policy to any other endowment assurance policy as per PLI's rules and regulations.
• Policy Term Available: 5 - 20 years.
• Minimum Sum Assured: Rs. 20,000.
• Maximum Sum Assured: Rs. 50 Lakhs.
• Loan Facility: Available after 3 years of completing the policy.
• Policy Surrender: After 3 years, you can surrender the policy. If surrendered or assigned for a loan within 5 years of completion, it will not be eligible for bonuses. However, if assigned for a loan or surrendered, a proportionate bonus on the reduced assured amount may be earned.
• Medical Examination: It is mandatory for this policy.
• Premiums Payable: Premiums are calculated based on factors like the age of maturity and entry, tailored to each applicant's circumstances.

Scheme For Physically Handicapped Person

Postal Life Insurance offers a special scheme for physically handicapped individuals. They can choose any of the life insurance policies mentioned earlier. However, the premium amount depends on the nature and severity of the handicap, which will be assessed during the mandatory medical examination.

Children Policy (Bal Jeevan Bima)

Postal Life Insurance offers a special policy for children called "Bal Jeevan Bima" or Children Policy. This scheme is for those who want to secure their child's future. It offers life insurance coverage for your children. For Bal Jeevan Bima, parents can enrol a maximum of 2 children in the scheme. If a parent, who is the policyholder, passes away, the children will not have to pay premiums anymore. Instead, they will receive the entire assured sum and any bonuses earned when the policy term ends. Here's what you need to know –

• Eligibility: Families can enrol a maximum of two children under this scheme. The main policyholder's maximum age eligibility is 45 years.
• Age Eligibility For Children: Children aged between 5 and 20 years can be covered.
• Maximum Sum Assured: Rs. 3 lakhs or the sum assured of the main policyholder, whichever is less.
• Loan Facility: Not available for this policy and there is no surrender option as well.
• Premium Payment: The main policyholder is responsible for payments associated with the children policy.
• Death Benefit: In case of the main policyholder's demise, no premium is payable. The full sum assured plus accrued bonus is paid after completing the policy term.
• Medical Examination: Not required for children - the only criteria is that the child should be healthy.
• Policy Bonus: Calculated at the rate applicable to the endowment policy. The Post Office Life Insurance (POIF) rules applicable at the time will be in effect for the children policy.
   

Benefits of Investing in Postal Life Insurance

Investing in PLI not only provides financial security but also comes with a range of convenient benefits –

• Cost-Effective Coverage: Postal Life Insurance offers significant returns for low premiums, making it a budget-friendly option.
• Tax Exemption: Enjoy income tax exemption under Section 88 of the Income Tax Act.
• Additional Options: Avail benefits like assignment, loan, conversion, surrender, and paid-up value.
• Geographic Flexibility: Transfer your policy to any circle within India at no extra cost.
• Conversion Options: You can convert your whole life insurance to endowment assurance, adjusting the sum assured based on preset criteria.
• Convenient Tracking: Use the passbook facility to monitor premium payments, loan transactions, etc.
• Easy Replacement: If you lose or damage your policy, getting a duplicate is straightforward, ensuring you are always covered.
• Customisable Payment Options: Pay your premium annually, half-yearly, or monthly depending on your chosen preference. You can pay the premium on any working day when the payment is due.
• Premium Discounts: Receive a 1% premium discount for a six-month advance payment and a 2% discount for a 12-month advance payment.
• Nomination Facility: Ensure your loved ones are protected by nominating beneficiaries.
• Flexibility In Changing Beneficiaries: You can choose your beneficiaries and modify this information as needed during your policy's duration.
• Loan Facility: After 3 years of coverage, you can obtain a loan against your insurance, providing financial flexibility when you need it.
• Quick Claims Process: Benefit from a speedy and straightforward claims process thanks to the centralised accounting facility.
   

Advantages of Postal Life Insurance Policies

Postal Life Insurance (PLI) policies offer numerous benefits that make them highly popular –

• Nomination Flexibility: You can change the nominated beneficiary whenever needed, providing peace of mind and adaptability.
• Policy Replacement: If the original policy bond is damaged or lost, duplicate policy bonds can be re-issued promptly, ensuring continuous coverage.
• Policy Revival: Lapsed postal insurance policies can be revived after six unpaid premiums if less than three years old, or after 12 unpaid premiums if more than three years old, giving a second chance for continued coverage.
• Loan Provision: You can obtain loans by pledging your policy to Heads of the Circle/Region on behalf of the President of India. This option is available for endowment assurance policies that are three years old and whole life assurance policies that are four years old. Additionally, assignment facilities allow policy assignment for taking loans from any financial institution.
• Conversion Options: You also have the flexibility to convert whole life assurance to endowment assurance or between different endowment assurance plans, subject to specific conditions and rules.
   

Postal Life Insurance Scheme Bonus

Let’s look at the specifics of the Postal Life Insurance scheme bonus –

Rural Postal Life Insurance Scheme Bonus

Let’s look at the specifics of the Rural Postal Life Insurance scheme bonus –

What are The Bonus Rates of Postal Life Insurance Over The Years?

Here is a comparative list of the bonus rates offered by Postal Life Insurance –

Postal Life Insurance Customer Guidelines

Here are some important things to remember if you have a Postal Life Insurance policy –

1. Policy Identification And Documentation
   When you invest in Postal Life Insurance, bear in mind that your policy number plays a crucial role. It can be found on your policy document, serving as a key reference for future transactions like premium payments, policy servicing, etc.
    
2. Securing Your Policy Bond
   The policy bond is of utmost importance and must be kept securely. It becomes essential at the time of claim settlement. If you happen to misplace or damage it, you can simply request a replacement copy from the insurance company, and they will provide you with a duplicate.
    
3. Ensuring Continuous Coverage
   To keep your Postal Life Insurance policy active and ensure coverage, it is crucial to make regular premium payments. Failure to pay may result in the policy lapsing, leaving you without coverage and unable to make legitimate claims. Premiums have to be paid on the 1st day of each month, with a grace period extending to the final working day of the month.
    
4. Directly Paying From Your SalaryYou have the option to pay your premiums via deduction from your salary. However, this arrangement requires consent from your employer. Once approved, the premium amount will be deducted from your salary regularly and will be reflected in your salary slip.
    
5. Smooth Policy Transfers
   If you get a job transfer, transferring your Postal Life Insurance policy to another circle within India is a feasible option. This ensures that your coverage remains intact, providing financial security in your new location.
    
6. Convenient Payment Options
   You can choose to pay for your Postal Life Insurance policy through various modes, including cheque or cash. Additionally, convenient options like online payment, over-the-counter payment at post offices, Electronic Clearance System (ECS), etc. offer you hassle-free ways to ensure your policy remains active.
    
7. Keeping Contact Information Updated
   When you have a Postal Life Insurance policy, you should make sure that your contact details are accurately updated. This includes providing the correct address and phone number. When it comes to processing claims, the claim cheque will be sent across to the address you have provided. So, if there are any changes in your contact information, make sure to update them right away to avoid any delays or complications.
    
8. Secure Your Policy Bond
   Safeguarding your policy bond is crucial, as it is a key document that has to be produced during claim settlements. This is why you should store it securely. If you happen to lose or damage your policy bond, you can easily obtain a replacement copy by requesting one from the insurance company.
    
9. Reviving A Discontinued Policy
   If your Postal Life Insurance policy has lapsed and you want to revive it, here's what you need to do. First, contact the Chief Postmaster General to request revival during the specified period. You will need to pay any outstanding premiums with interest. Also, provide a report from a medical examiner confirming your good health and unchanged background.
    
10. Taking A Loan Against Your Policy
    If your policy has been active for 3 years or more, you can take out a loan against it. This option is also available if your policy has accumulated a surrender value of at least Rs. 1000. It is a way to access funds when you need them, using your policy as security.
     
11. Contacting Postal Life Insurance Officials
    If you have any concerns or need assistance with your policy, reaching out to PLI officials is easy. You can either write a letter or make a phone call to address grievances or resolve issues. You could also send an email notifying your complaint to pli.dte@gmail.com.
     

Postal Life Insurance Calculator

It is smart to have an idea of your premiums and returns before signing up for a Postal Life Insurance plan. And this is where the PLI calculator comes in handy. With this tool, you can quickly figure out how much you will need to pay in premiums and what you can expect to receive in returns over time. It is an easy way to plan ahead and make informed decisions about your insurance.

This tool helps you estimate your premium based on some key details like your age as of application date, the type of policy you choose, the sum assured, and other such factors to determine the payable premium.You will also need to input information like your age at the time of policy maturity, date of birth, your spouse's date of birth (if applicable) for joint coverage like the Yugal Suraksha plan, etc. The sum assured under the plan can range anywhere from Rs. 10,000 to Rs. 5,00,000.

You can choose from various policy types like anticipated endowment assurance, endowment assurance, whole life assurance, and convertible whole life assurance. Once you have filled in all the necessary details and hit submit, you will receive information about your monthly premium.

Postal Life Insurance Login

If you are new to the scheme, you will need to register yourself on the India Post Customer Portal. Here's how you can do it –

Step 1: Go visit the official India Post website.

Step 2: Click on 'Register' and choose 'Retail'.

Step 3: Meticulously fill in all the required details and click 'Register'.

Step 4: You will receive an activation link in your registered email.

Step 5: Click the link within 48 hours to activate your account.

After successfully registering, follow these steps to log in to your account –

Step 1: Go visit the official India Post website.

Step 2: Click on the option 'Sign In' and choose 'Registered User'.

Step 3: Click on 'Forgot Password?'.

Step 4: Enter your dedicated User ID and click 'Submit'.

Step 5: Answer the hint question you provided during registration and click 'Submit'.

Step 6: An OTP will then be sent to your registered email. Enter the OTP and User ID to sign in.

Step 7: Click on the 'Change Password' link at the top of the page.

Step 8: You should then enter your new password and click 'Submit'.

Once you have logged in to your account for the first time and changed your password, you can access the India Post website by entering your User ID and password.

Postal Life Insurance Forms

Listed below are the available Postal Life Insurance forms –

1. Yugal Suraksha Form
2. Child Proposal Form
3. RPLI (Rural Postal Life Insurance) Form
4. RPLI Medical Form
5. WLA, CWLA, EA, and AEA Form (Whole Life Assurance, Convertible Whole Life Assurance, Endowment Assurance, Anticipated Endowment Assurance)
6. Claims Form
7. Loan Application Form
8. Survival Benefit Claim Form
9. Maturity Claim Form
10. Personal Bond of Indemnity
11. Form for Revival of Lapsed Policy
     

PLI Citizen's Charter

Let’s understand the specifics of the PL Citizen’s charter –

What Are The Premium Payment Modes Of Postal Life Insurance Schemes

You can pay your PLI premiums at any nearby post office in India using cash or a cheque. If you pay in cash, you will receive a premium payment receipt book (PRB) for your records. Central and State Government employees, paramilitary forces, and defence personnel can opt for premium deduction from their pay.

Additionally, you have other payment options –

• You can use the customer portal on the official PLI website. You also have the option to pay using credit/debit cards, UPI/BHIM, net banking, or online wallets.
• You can also use the IPPB (India Post Payments Bank) application, Gramin Dak Sewa (GDS) using Micro ATM, or set up Standing Instructions (SI).
   

How Can You Buy a Postal Life Insurance Policy?

You can buy a PLI policy from –

• Employees of the Department of Posts, such as inspectors, clerical staff, and postmen.
• Field Officers of Postal Life Insurance.
• Gramin Dak Sevaks working at branch post offices or Gramin Dak Ghars.
• Direct agents authorised to sell PLI policies.
   

Documents Required for Postal Life Insurance Scheme

When purchasing a Postal Life Insurance Scheme (PLI), you need specific documents to confirm your identity, age, address, and health. Here's a list of required documents -

1. Age Proof: Any official document verifying your date of birth, like a birth certificate, passport, Aadhar card, or PAN card.
2. Address Proof: To confirm your address, provide documents such as Aadhar Card, Voter ID Card, Rent Agreement (if applicable), Bank Passbook, or a statement with the address.
3. Identity Proof: Validate your identity with an official ID like Aadhar Card, Passport, PAN Card, Driving License, or Government/Defense ID Card.
4. Medical Examiner’s Declaration: If your PLI plan requires a medical check-up, you will need a certificate from an authorised medical examiner stating the results.
5. Certificate By Immediate Supervisor (if applicable): If you are a government employee, your department head or immediate supervisor might need to provide a certificate confirming your employment details as per the PLI terms.
6. Certificate By A DO (Development Officer), FO (Field Officer), Or PLI Agent: This is verification by an authorised PLI representative who helps with the insurance process.
7. Declaration Of Spouse: If your spouse is part of the insurance plan, or if their health or other details are relevant, you may need a declaration from them too.
    

What is The Claim Settlement of Postal Life Insurance?

If you need to make a claim, you will need to provide the relevant Central Processing Centre (CPC) with your claim form, original policy bond, premium receipt book, loan repayment record book (if applicable), etc. The competent authority will then examine your claim, after which it is either approved or rejected. If approved, you will receive your payment electronically or by cheque.

You can also have access to additional services like –

• Reviving a lapsed policy
• Changing the nominee
• Assigning the policy to a financial institution for a loan
• Converting whole life assurance to endowment assurance or other endowment assurance (to change the policy term)
• Issuing a duplicate policy bond.

To Conclude,

Postal Life Insurance (PLI) stands as a beacon of security, offering affordable and reliable coverage to millions across India. With its rich history dating back to 1884, PLI has continuously evolved, providing comprehensive protection to diverse groups, from government employees to professionals, etc. As the oldest life insurer in the nation, PLI's commitment to service and innovation remains unwavering. With competitive premiums, attractive benefits, and a steadfast focus on customer satisfaction, PLI ensures that your future is safeguarded against uncertainties.

FAQs

1. Is Postal Life Insurance (PLI) better than others?
   Compared to other life insurance options, PLI stands out for its lower premiums, making it an attractive choice. The bonus rate offered by PLI is notably higher at 7% or more, surpassing the rates provided by other life insurance policies.
    
2. Does Postal Life Insurance have any guarantor?
   Yes, Postal Life Insurance is guaranteed by the Government of India.
    
3. Who is eligible for Postal Life Insurance?
   Employees from various sectors can opt for Postal Life Insurance, including –
4. • Public sector employees
   • Central and state government employees
   • Staff from government-aided educational institutions
   • Employees of nationalised banks
   • Workers in autonomous bodies
   • Cooperative societies
   • Employees of local bodies, etc.
      
5. When was Postal Life Insurance introduced in India?
   Postal Life Insurance started in India on February 1, 1884, offering affordable life insurance options through post offices.
    
6. What are the benefits of Postal Life Insurance?
   Postal Life Insurance provides life coverage, appealing bonus rates, loan options, and tax benefits, making it a secure and rewarding insurance option.
    
7. Is a rebate allowed in Postal Life Insurance premium payments?
   Yes, there is a discount available on Postal Life Insurance premiums, encouraging you to pay your premiums on time and regularly.
    
8. What will happen if I need to pay my premium for 1 month?
   You can pay the premium for just one month, ensuring your Postal Life Insurance coverage remains uninterrupted.
    
9. Is the PLI scheme eligible for an Income tax rebate?
   Yes, the Postal Life Insurance scheme qualifies for an Income tax rebate under relevant sections of the Income Tax Act.
    
10. Is a medical examination required for the proposer?
    Yes, a medical examination for the proposer is necessary for Postal Life Insurance to determine eligibility and evaluate the associated risk.
     
11. What are the benefits of a medical examination in PLI?
    A medical examination ensures precise risk assessment, fair premium rates, and customised coverage that aligns with the individual's health status.
12. When can I convert my PLI scheme?
    You can convert your PLI scheme to an endowment or whole-life policy after a certain period, which provides flexibility to adapt to your evolving needs.
     
13. What is meant by Postal Life Insurance?
    Postal Life Insurance is an insurance scheme available to employees of central/state governments, public sector undertakings, nationalised banks, government-aided educational institutions, etc., with a maximum coverage of Rs. 50 lakhs.
     
14. How is the interest rate for PLI loans determined?
    The interest rate for PLI loans is calculated semi-annually at a rate of 10% per annum. The loan amount is determined based on the surrender value of the policy.
     
15. Can you still use the scheme if you quit Government service?
    Yes, you can continue using the scheme by paying the premiums at any post office across the country.
     
16. Do both spouses need to be Government employees to get Postal Life Insurance?
    No, if either the husband or wife works for the government, both of them can enrol in the "Yugal Suraksha" plan. While the initial premiums may be a bit higher, it covers both spouses under the same plan.