जीवन सहारा बीमा याेजना

---

विशेषताहरुः

क) यस बीमा योजनाका विशेषताहरू

न्यूनतम बीमाङ्क रकम	: रू. ५,०००/—
अधिकतम बीमाङ्क रकम	: आयश्रोतको आधारमा
न्यूनतम प्रवेश उमेर	: १६ वर्ष
अधिकतम प्रवेश उमेर	: ६५ वर्ष
न्यूनतम बीमा अवधि	: ५ वर्ष
अधिकतम बीमा अवधि	: ५४ वर्ष
अधिकतम परिपक्क उमेर	: ७० वर्ष

नोटः– बिमाड्ढ रू. ५०,०००/– देखि ९९,०००/– सम्म बिमा गर्दा प्रतिहजार रू. १/– थप लाग्ने छ ।

ख) बीमाशुल्क भुक्तानी तरिका : 

     वार्षिक, अर्ध–वार्षिक र त्रैमासिक

ग) बीमा शुल्कमा छुट :

     वार्षिक                  १.५% छुट

     अर्ध वार्षिकमा        छैन

     त्रैमासिकमा           ३% थप

घ) बीमाड्ढमा छुट: 

     रू. २,००,००० सम्म                       छैन

     रू. २,०१,००० देखि ३,००,०००         रू. १ प्रति हजार

     रू. ३,०१,००० देखि माथि                रू.२ प्रति हजार

ङ) बीमा भुक्तानी दिने अवस्था (जीवन सहारा) :

क) बीमा अवधि समाप्तीसम्म बीमित जिवितै रहेमा :

       बीमाङ्क + आर्जित बोनस भुक्तानी गरिनेछ ।

ख) बीमा अवधिभित्र बीमितको मृत्यु भएमा :

       कालगतिले मुत्यु भएमाः बीमाङ्क र उक्त अवधि सम्मको बोनस भुक्तानी गरिने छ ।

       दुर्घटनाबाट मृत्यु भएमा (बीमितले यो सुविधा लिएको खण्डमा मात्र):

       बीमाङ्क + आर्जित बोनस +ADB वापत थप बीमाङ्क रकम (दुर्घटना लाभ अधिकतम रू. १,००,००,०००/— सम्म) भुक्तानी गरिनेछ ।

       दुर्घटनाबाट अपाङ्ग/असक्त भएमाः अपाङ्ग/असक्त सुविधा वापतको बीमाङ्क रकम मासिक १२० समान किस्तामा बीमितलाई भुक्तानी गरिने छ ।

ग) बीमा अवधि समाप्तीपछि बीमितको मृत्यु भएमा :

कालगतिले मृत्यु भएमा :

     बीमितको ईच्छाइएको व्यक्तिलाई चुक्ता बीमालेख मानि बोनस बाहेकको मूल बीमाङ्क भुक्तानी गरिनेछ ।

दुर्घटनाबाट मृत्यु भएमा :

     दुर्घटना लाभ लिएको बीमालेख अन्तर्गत बीमा अवधि समाप्ती भएतापनि बीमितको उमेर ७० वर्ष पुग्नु अगावै दुर्घटनाबाट मृत्यु भएमा निजले ईच्छाइएको व्यक्तिलाई बीमाङ्क +ADB वापत थप बीमाङ्क रकम (अधिकतम रू. १,००,००,०००/— सम्म) भुक्तानी गरिने छ ।

जीवन सहारा जीवनसँग लिन सकिने ऐच्छिक सुविधा र त्यसको दर :

     ADB:- Accidental Death Benefit रू. १/– प्रति हजार

     ADB/PTD/PWB:- रू. २/– प्रति हजार (दुर्घटना/अपाङ्ग/असक्तता लाभ)

$

Product Launch date: 21/03/2007

This is a Whole Life Endowment plan. It is specially designed Endowment product to cover the wide range of risk for our social communities of Nepal. Keeping in mind to coverage the risk of their whole life, company has launched JEEVAN SAHARA whole life plan. The insured amount (sum assured) together with bonus is payable on maturity date and full insured amount (sum assured) again payable on death of life assured after maturity.

SALIENT FEATURES:

• Age at Entry : 18 years to 65 years

• Maximum Maturity Age : 70 years

• Terms of Policy : 5 years to 54 years

• Minimum Sum Assured: NRs. 5,000

• Maximum Sum Assured:  Depends upon income

• Premium Payment Mode:  Quarterly, Half-Yearly and Yearly

• Policy loan shall be available after the policy acquires paid-up/surrender value. Policy Loan shall be maximum of 90% of the surrender value.

Basic Benefits:

• In case of survival of policyholder at the end of the policy term Sum Assured + Bonus will be paid as a Maturity benefit .

• In case of Life Assured’s death during the term (before maturity) of the policy Basic Sum Assured + Bonus will be paid .

• In case of Life Assured’s death after the policy term then, an amount equal to Sum Assured will be paid .

• In case of Life Assured’s death after policy term up to age 70  caused by an accident , Full Basic Sum Assured + Accidental Death Benefit (ADB) amount  will be paid .

Optional Benefits (Rider Benefits):

With payment of additional premium, following additional benefits can be taken:

1. Accidental Death Benefit (ADB) Only

This is a rider benefit which offers protection on occurrence of death of the policyholder due to accident .  It  can be taken with payment of additional Rs. 1 per thousand. In case of death due to accident, additional benefit equal to basic sum assured or maximum Rs. 1,00,00,000 whichever is less is payable to the beneficiary of assured.

2. Accidental Death Benefit, Accidental Total Permanent Disability, Premium Waiver Benefit – ADB, PTD & PWB:

This is a rider benefit which offers protection on occurrence of death or disability of the policyholder due to accident. This rider is to be offered as a package along with premium waiver rider .  It can be taken with payment of an additional premium. Total coverage amount under this benefits will be equal to basic sum assured or Maximum Rs. 100,00,000/- whichever is less. In case of permanent and total disability of the policyholder during the policy term caused by an accident the Rider Sum Assured will be paid to the policyholder in 120 equal monthly instalments  and all future payable premium will be waived.

3. Critical Illness Benefit:

This is a Rider benefit . If the  life assured is diagnosed with specific illness defined under this plan during the policy term, lump sum amount equal to basic sum assured or maximum up to Rs. 50,00,000 will be paid to the insured. Undermentioned conditions should be followed to have  Critical Illness ;

Entry age:  Minimum 18, Maximum : 65,  Policy maturity age: 70, Coverage: Minimum Rs.50, 000 ,Maximum : Rs. 50,00,000 , Policy Term : Minimum 5 Years to Maximum 20 years .

Risk Not Covered by Insurance

If the death of the insured is directly or indirectly due to any of the following reasons, the amount to be paid under the insurance policy is not as per the sum assured mentioned in the schedule but if there is any surrender value of the insurance policy, only that amount will be paid.

In the following cases, claims will be excluded for consideration.

• Engaging in aviation other than as a fare paying passenger on a regular route of a recognized aviation service

• Any war-like operations (whether war be declared or not), riot, civil commotion, rebellion or invasion

• Any breach of civil or military law

• Suicide, whether sane or insane, within two years after the date of commencement of assurance.

Except for the risks mentioned above, this policy will not restrict migration, travel, or occupation abroad.

If any dispute arises under this policy, it will be solved in accordance with the insurance Act, 2049.

Special Conditions Related to Accident

a) Change of Occupation: If the insured changes the occupation stated in the life insurance proposal form and takes up another risky occupation or initiates a risky enterprise, they must immediately inform the insurer. Based on the information received, the insurer will calculate the additional premium corresponding to the risk and request the insured to make the additional premium payment. The company will not be obligated to pay the additional sum assured for accidental death if the determined additional premium is not paid, or if the risk associated with the insured’s changed occupation is deemed unacceptable by the insurer, leading to the insured’s death due to the same risk.

b) If the insured dies in the following circumstances, the death shall not be considered as an accidental death:

i) In the event of suicide, whether self-inflicted or intentional through the consumption of poison or other methods, regardless of the mental state of the individual, if the insured dies under these circumstances, the payment will be processed as it would be for a natural death, subject to the policy’s terms regarding death.

c) In case of death of the insured due to an accident, the insurer must be notified in writing as soon as possible, but in any case, such notifications must be given within 90 days. If the death of the insured is due to an accident, the autopsy report conducted by the government doctor or else the policy report must be submitted.

=>‍ बीमा भिडियो

जीवन सहारा बीमा याेजना

बीमाशूल्क तालिका

जीवन सहारा बीमा याेजना

बीमा शुल्क गणना-(Code No-62)

सदाबहार जीवन बीमा

विशेषताहरुः

न्यूनतम बीमाङ्क	:  रु.२००,०००/– कायम गरिएको छ ।
अधिकतम बीमाङ्क	:  आय स्रोतको आधारमा जति पनि गर्न सकिने  छ ।
न्यूनतम प्रवेश उमेर	: ११ बर्ष
अधिकतम प्रवेश उमेर	: ६५ बर्ष
ऐच्छिक सुविधा प्रवेश उमेर	: दुर्घटना मृत्यु लाभ, बीमाशुल्क छुट सुविधा र अशक्त सुविधा) लिनको लागि १६ बर्ष र (घातक रोग  सुविधा) लिनको लागि १८ बर्ष
न्यूनतम बीमाशुल्क भुक्तानी अवधि	: ५ बर्ष
अधिकतम बीमाशुल्क भुक्तानी अवधि	: २० बर्ष
बीमाशुल्क भुक्तानी समाप्त हुने अधिकतम उमेर	: ७० बर्ष
बीमाशुल्क भुक्तानी तरिका	: एकल, बार्षिक, अर्ध–बार्षिक, त्रैमासिक र  मासिक

बीमाशुल्क भुक्तानी तरिकाको आधारमा थप/घट :
वार्षिक बीमाशुल्क भुक्तानीमा          : बीमाशुल्क दरमा १ प्रतिशत छुट ।
अर्ध-वार्षिक बीमाशुल्क भुक्तानीमा   : छुट छैन ।
त्रैमासिक बीमाशुल्क भुक्तानीमा       : बीमाशुल्क दरमा १ प्रतिशत थप ।
मासिक बीमाशुल्क भुक्तानीमा         : बीमाशुल्क दरमा १.५ प्रतिशत थप ।

बीमाङ्क रकम भुक्तानि पाउने अवस्थाहरु :

आंशिक अवधि भुक्तानी (Survival Benefit):

• चालु बीमालेखमा बीमा प्रारम्भ भएको मितिले एक वर्ष पछि वार्षिक २ किस्ता बीमाशुल्क प्राप्त भए पश्चात बीमाङ्कको ५ प्रतिशतका दरले हुन आउने  रकम प्रत्येक बर्ष बीमा अवधि समाप्ति सम्म बीमितलाई भुक्तानी गरिन्छ ।

    पूर्ण अवधि भुक्तानि (Maturity Benefit) :

• बीमालेख चालु रही बीमा अवधि समाप्ती मिति सम्म बीमित जीवित रहेमा प्रत्येक बर्ष ५ प्रतिशतका दरले प्रदान गरिने रकम कट्टा गरि बाँकी हुन आउने  बीमाङ्क रकम र आर्जित बोनस बीमालेख अवधि समाप्तिमा एकमुष्ट दिइने छ ।

    मृत्यु दावि भुक्तानी (Death  Benefit):

• बीमालेख चालु भएको अवस्थामा बीमाशुल्क भुक्तानी अवधि भित्र बीमितको मृत्यु भएमा बीमालेख अन्तर्गत पुरा बीमाङ्क रकम र नियमानुसारको  बोनस रकम  एकमुष्ट प्रदान गरिने छ । यसमा बीमितलाई प्रत्येक बर्ष ५ प्रतिशतका दरले आशिंक भुक्तानी गरेको रकम कट्टा गरीने छैन ।

• एकल बीमाशुल्क योजनामा बीमाशुल्क भुक्तानी अवधि भित्र बीमितको मृत्यु भएमा बीमाङ्क रकम र आर्जित बोनस वा एकल बीमाशुल्क रकम मध्ये बढी हुने रकम बीमितले इच्छाइएको व्यक्तिलाई भुक्तानी गरिन्छ ।

• सबै किस्ता बीमाशुल्क भुक्तानी गरेको बीमालेखमा बीमा अविध समाप्ति पश्चात जीवनभर कुनै पनि समयमा बीमितको मृत्यु भएमा पूनः बीमांङ्क बराबरको रकम प्रदान गरिने छ ।

• सबै किस्ता बीमाशुल्क भुक्तानी नगरेको बीमालेख  Maturity भएमा  बीमा शुल्क भुक्तानी अवधि पश्चात को थप सुरक्षा अवधिमा कुनै घटना घटेमा घटना वापतको रकम प्रदान गरिने छैन ।

• सामान्य  बीमाशुल्क भुक्तानी योजनामा (Regular Premium Payment Policy) बीमा योजना शुरु भएको २ बर्ष भित्र Exclusions  मा रहेका कुनै पनि कारणले बीमितको मृत्यु  भएमा कुनै पनि रकम  भुक्तानी गरिने छैन र सो बीमा योजना रद्द गरिने छ भने एकल  बीमाशुल्क भुक्तानी योजनामा (Single Premium Payment Policy) बीमा योजना शुरु भएको १ बर्ष भित्र Exclusions मा रहेका कुनै पनि कारणे बीमितको मृत्यु  भएमा एकल  बीमाशुल्क को ८० प्रतिशतले हुने रकम र  २ बर्ष भित्र Exclusions मा रहेका कुनै पनि कारणे बीमितको मृत्यु  भएमा  एकल  बीमाशुल्क को ८५ प्रतिशतले हुने रकम रकम भुक्तानी गरी सो बीमा योजना रद्द गरिने छ ।

ऋण तथा समर्पण सुविधा :

• बीमा प्रारम्भ भएको मितिले एक वर्ष पछि २ वर्षको पुरा बीमाशुल्क भुक्तानी गरे पश्चात बीमालेखको चुक्ता मूल्य तथा समर्पण मुल्य प्राप्त हुनेछ ।

• एकल बीमाशुल्क योजनामा बीमा प्रारम्भ भएको मितिले १३ र्औ  महिना देखि बीमालेखको समर्पण मूल्य प्राप्त हुनेछ ।

• समर्पण मूल्य प्राप्त भएको बीमालेखमा समर्पण मूल्यको ९० प्रतिशत सम्म कर्जा प्राप्त गर्न सकिनेछ ।

• बीमालेखको बीमा शुल्क भुक्तानी अवधि समाप्ति (Maturity)पश्चात पनि  कुनै पनि समयमा बीमितले चाहेमा बीमालेख सर्मपण गर्न सकिने छ । तर यस्तो सर्मपण रकममा कर्जा प्राप्त हुने छैन ।

• बीमा शुल्क भुक्तानी अवधि पश्चात को थप सुरक्षा अवधिमा समर्पण गर्न चाहेमा बीमाङ्क रकमलाई  समर्पण मूल्य इकाई  (Surrender Value Factor) ले गुणा गर्दा आउने रकम समर्पण मूल्य बापत प्राप्त गर्न सकिने छ ।

  ऐच्छिक सुविधाहरु तथा भुक्तानी पाउने अवस्था :  

   (क) दुर्घटना मृत्यु  सुविधा (Accidental Death Benefit)

• यदि बीमितले ऐच्छिक सुविधा अन्तर्गत दुर्घटना मृत्यु लाभ सुविधा (Accidental Death Benefit) लिएको छ र बीमालेख चालु रही पूरक करारनामा लागु भएको तथा  व्यतित बीमालेख  पुनर्जागरण :गरिएको अवस्थामा  दुर्घटनाको कारणबाट बीमितको दुर्घटना घटेको १८३ दिनभित्र मृत्यु भएमा  ऐच्छिक सुविधा (ADB)  वापतको थप रकम  ईच्छाएको व्यक्तिलाई भुक्तानी दिईने छ ।

   (ख) अपाङ्ग अशक्त तथा बीमाशुल्क छुट सुविधा (Premium Waiver Benefit / Permanent Total Disability)

• यदि बीमितले ऐच्छिक सुविधा अन्तर्गत बीमाशुल्क छुट तथा पूर्ण अशक्तता  सुविधा (Premium Waiver Benefit / Permanent Total Disability) लिएको छ र बीमालेख चालु रही पूरक करारनामा लागु भएको तथा बीमालेख व्यतित भएको भए पुनर्जागरण गरिएको अवस्थामा  दुर्घटनाको कारणबाट बीमित शारीरिक रुपमा पूर्ण अपाङ्ग / अशक्त भएको प्रमाणित भएमा दुर्घटना पश्चात बीमालेखको वार्षिकोत्सव मिति देखि (PWB /PTD)   ऐच्छिक सुविधा वापतको रकम मासिक १२० समान किस्तामा बीमितलाई भुक्तानी गरिने छ ।

   (ग) घातक रोग  सुविधा (Critical Illness Rider)

• यस ऐच्छिक सुबिधा मूल बीमालेखको बीमाङ्क बराबर वा अधिकतम् रु.५,०००,००० सम्म लिन सकिनेछ ।यो योजनाले मूल बीमा योजना सँग जोडिएर बीमितलाई सुरक्षा प्रदान गर्दछ । यस योजना अन्तर्गत रक्षावरण लिन चाहने व्यक्तिले यस कम्पनीबाट प्रचलनमा ल्याएको मूल बीमा योजना (Conventional Plan) अन्तर्गत थप बीमाशुल्क तिरी मूल बीमाङ्क मा नबढ्ने गरी न्यूनतम रु.२ लाख देखि  अधिकतम रु.५० लाख वीमाङ्क सम्म को रक्षावरण लिन सक्ने र उल्लेखित रोगहरु मध्ये कुनै पनि एक रोगको पहिचान सहित आवश्यक प्रकृयाहरु पुरा गरेको खण्डमा शर्तहरुको अधिनमा रहि अधिकतम रु.५० लाख सम्म तत्काल भुक्तान गरि Maturity मा पनि मूल बीमालेखको विशेषता अनुसार को रकम भुक्तान गर्ने विशेषता रहेको छ ।

• सदाबहार जीवन बीमासँग लिन सकिने ऐच्छिक सुविधाहरु र तिनका दरहरुः

  ADB दुर्घटना लाभ रू. १/— प्रति हजार

  ADB/PTD/PWD : (दुर्घटना/अपाङ्ग/अशक्त लाभ) रू. २/— प्रति हजार

Product Launch Date:02/06/2019

This is a whole life cum money back insurance plan, participating on the profits. Under this plan, 5% of Sum Assured (SA) is paid to the policyholders every year starting from 2nd year till maturity. The unique feature of this policy is after maturity of the policy, the risk is covered till whole life. Further, there is option of surrender of policy after maturity, if the policyholder wants the liquidity after maturity of the policy.

SALIENT FEATURES:

• Age at Entry : 18 years to 65 years

• Maximum Maturity Age : 70 years

• Terms of Policy : 5 years to 20 years

• Minimum Sum Assured: NRs. 2,00,000

• Maximum Sum Assured:  Depends upon income 

• Premium Payment Mode:  Quarterly, Half-Yearly , Yearly and Single

•  Policy loan shall be available after the policy acquires paid-up/surrender value. Policy Loan shall be maximum of 90% of the surrender value.

Basic Benefits:

• On the survival of the life assured 5 % of the Basic Sum Assured will be paid from the 2^nd year till the end of the policy term.

• In case of survival of policyholder at the end of the policy term Sum Assured less the survival benefits already paid  + Bonus will be paid as a Maturity benefit .

• In case of Life Assured’s death during the term (before maturity) of the policy Basic Sum Assured + Bonus will be paid to the nominee irrespective of any survival payouts made at earlier durations.

• In case of  single premium policies , on death of policyholder during the policy term (before maturity) , the Sum Assured + Bonus as on the date of death or the single premium under the policy, whichever is higher will be payable to the nominee  irrespective of any survival payouts made at earlier durations .

• In case of Life Assured’s death after the policy term then, an amount equal to Sum Assured will be paid .

• Surrender value is available during /after the policy term (extended life cover period).

• In case of Single premium payment policy, if death happens due to condition listed on exclusions, on 1st year of policy 80% of single premium and on 2nd year of policy 85% of single premium is paid to the nominee of policyholder. 

Optional Benefits (Rider Benefits):

With payment of additional premium, following additional benefits can be taken:

1. Accidental Death Benefit (ADB) Only:

This is a rider benefit which offers protection on occurrence of death of the policyholder due to accident .  It  can be taken with payment of additional premium per thousand. In case of death due to accident, additional benefit equal to basic sum assured or maximum Rs. 1,00,00,000 whichever is less is payable to the beneficiary of assured.

2. Accidental Death Benefit, Accidental Total Permanent Disability, Premium Waiver Benefit – ADB, PTD & PWB:

This is a rider benefit which offers protection on occurrence of death or disability  of the policyholder due to accident . This rider is to be offered as a package along with premium waiver rider .  It can be taken with payment of an additional premium. Total coverage amount under this benefits will be equal to basic sum assured or Maximum Rs. 100,00,000/- whichever is less. In case of permanent and total disability of the policyholder during the policy term caused by an accident the Rider Sum Assured will be paid to the policyholder in 120 equal monthly instalments  and all future payable premium will be waived.

3. Critical Illness Benefit:

This is a Rider benefit . If the  life assured is diagnosed with specific illness defined under this plan during the policy term, lump sum amount equal to basic sum assured or maximum up to Rs. 50,00,000 will be paid to the insured. Undermentioned conditions should be followed to have  Critical Illness ;

Entry age:  Minimum 18, Maximum : 65,  Policy maturity age: 70, Coverage: Minimum Rs.50, 000 ,Maximum : Rs. 50,00,000 , Policy Term : Minimum 5 Years to Maximum 20 years .

बीमाशूल्क तालिका

बीमा शुल्क गणना-(Code No-69)

$

Product Launch Date: 15/03/2022

Nepal Life – Anamol Jeevan Jeevan Beema Yojana is a participating with-profits endowment plan. It provides annual simple reversionary bonuses, which are vested once declared.  Post maturity of the endowment, the plan provides further death cover and a survival benefit.

This product offers the following benefits:

• In the event of death prior to maturity of policy, the basic sum assured with accrued bonus will be paid to the beneficiary of the insured.

• At maturity of policy, basic sum assured with accrued bonus will be paid to the insured.

• In the event of survival after maturity of policy, there will be three options available for the insured but this option has to be made at inception. The options are as below:

1. At age 75; 60% of basic sum assured will be paid to the insured and the policy would be terminated on this payment

2. At age 80; 80% of basic sum assured will be paid to the insured and the policy would be terminated on this payment

3. At age 85; 100% of basic sum assured will be paid to the insured and the policy would be terminated on this payment

On death before executing one of the above options, the basic sum assured will be paid to the beneficiary of the insured.

Features	Details
Entry age	18 years to 65 years next birthday
Maximum age at Expiry	70 years
Policy Term	5 years to 50 years, depending on maximum age at expiry
Sum Assured	Minimum Sum Assured: NRs. 25,000
	Maximum Sum Assured: Based on Source and level of income
Premium payment mode	Monthly, Quarterly, Half-Yearly and Yearly
Death Benefits Before Maturity	Sum Assured plus Accrued Bonus
Maturity Benefits	Sum Assured plus Accrued Bonus
Death Benefits After Maturity But Before Execution of One of The Option of Survival Benefit	Sum Assured
Survival Benefits After Maturity	There will be three options available on survival after maturity to be chosen by the policyholder at inception.
	1. At age 75: 60% of SA will be paid to insured and policy would be terminated on this payment
	2. At age 80: 80% of SA will be paid to insured and policy would be terminated on this payment
	3. At age 85: 100% of SA will be paid to insured and policy would be terminated on this payment.
Risk Commencement	At the date of commencement of policy
Surrender Benefits Before Maturity	A surrender value is payable only after the completion of the 3 full policy year and 3 full annual premiums payments.
	Surrender value calculations are consistent with Beema Samiti’s guideline.

Paid-Up Value

Paid-up value is only applicable upon completion of 3 full policy year and 3 full annual premiums payments.

Policy Loan

Policy loan is only applicable upon completion of 3 full policy year and 3 full annual premiums payments.

1. Before maturity:

   • 90% of Surrender Value

2. After maturity (before the execution of one of the options):

   • Not Applicable

Additional Riders

The following additional riders approved by Beema Samiti may be offered to policyholders by paying respective rider premiums under this plan:

1. Accidental Death Benefit (ADB) Only:

This is a rider benefit which offers protection on occurrence of death of the policyholder due to accident.  It can be taken with payment of additional Rs. 1 per thousand. In case of death due to accident, additional benefit equal to basic sum assured or maximum Rs. 1,00,00,000 whichever is less is payable to the beneficiary of assured.

2. Accidental Death Benefit, Accidental Total Permanent Disability, Premium Waiver Benefit – ADB, TPD & PWB:

This is a rider benefit which offers protection on occurrence of death or disability of the policyholder due to accident. This rider is to be offered as a package along with premium waiver rider.  It can be taken with payment of an additional Rs. 2 per thousand. Total coverage amount under these benefits will be equal to basic sum assured or Maximum Rs. 100, 00,000/- whichever is less. In case of permanent and total disability of the policyholder during the policy term caused by an accident the Rider Sum Assured will be paid to the policyholder in 120 equal monthly instalments and all future payable premiums will be waived.

3. Critical Illness Benefit:

This is a Rider benefit. If the  life assured is diagnosed with specific illness defined under this plan during the policy term, lump sum amount equal to basic sum assured or maximum up to Rs. 50,00,000 will be paid to the insured. Undermentioned conditions should be followed to have Critical Illness;

Entry age:  Minimum 18, Maximum: 65, Policy maturity age: 70, Coverage: Minimum Rs.50, 000, Maximum: Rs. 50, 00,000.

Risk Not Covered by Insurance

If the death of the insured is directly or indirectly due to any of the following reasons, the amount to be paid under the insurance policy is not as per the sum assured mentioned in the schedule but if there is any surrender value of the insurance policy, only that amount will be paid.

In the following cases, claims will be excluded for consideration.

• Engaging in aviation other than as a fare paying passenger on a regular route of a recognized aviation service

• Any war-like operations (whether war be declared or not), riot, civil commotion, rebellion or invasion

• Any breach of civil or military law

• Suicide, whether sane or insane, within two years after the date of commencement of assurance.

• Engaging in risky occupation without formal notification to the Company.

Except for the risks mentioned above, this policy will not restrict migration, travel, or occupation abroad.

If any dispute arises under this policy, it will be solved in accordance with the insurance Act, 2049.

अनमोल जीवन बीमा योजना

बीमाशूल्क तालिका

अनमोल जीवन बीमा योजना

बीमा शुल्क गणना-(Code No-71)

अनमोल जीवन बीमा योजना