Zero‑Premium Insurance for EPF Subscribers Under EDLI

The EDLI programme stands out because it does not demand any premium from the employee. The entire cost of the insurance coverage is borne by the government and the EPFO, making it a cost‑free safety net for EPF members.

Eligibility extends to all regular employees whose employers contribute to the EPF. The insured amount can go up to ₹7 lakh, and the payout is made to the nominee(s) named by the employee. The scheme continues to operate as long as the employee remains an active contributor and the employer stays compliant with EPFO regulations.