Life Insurance
Popular
IME Limited Payment Money Back Plan (Dhanbriksha Jeewan Beema Yojana)
मनी-ब्याक योजना
न्यूनतम बीमांक
रु.50,000
CI राइडर अधिकतम
रु.5,000,000
प्रवेश आयु
18–60 वर्ष
Coverage
रु. 50,000 रु.
Based on Source of Income
Description
A limited premium payment money-back endowment plan providing periodic survival payouts at predefined years along with life cover. Pays death benefits during policy term, survival money-back instalments, offers loan against surrender value and tax benefits.
Features
- Minimum Sum Assured: NPR 50,000
- Money-back survival payouts at predefined years depending on term
- Death benefit: Single premium – 2.5× basic Sum assured; Regular premium – full Sum assured + vested bonus
- Loan facility available after policy acquires surrender value
- Tax benefits
- Optional riders (multiple options availiable)
Highlights
- Periodic money-back payouts
- Flexible terms: 10/15/20/25 years
- CI rider up to NPR 5,000,000
- Loan facility & tax benefits
Life Insurance Details
Money Back Policy
Available Riders
Accidental Death Benefit-For additional premium, on the event of death of the life assured during the rider policy term due to accident before age 70 years, an additional sum equal to the Rider Sum Assured of this rider will be paid.
Income Benefit (IB)-n the event of permanent total disability of life assured due to any cause (sickness or accident) during policy term, a regular Monthly Income Benefit of 1.0% or 1.5% or 2.0% or 3.0% of Rider Sum Assured (as mentioned in policy schedule of policy taken), OR, Quarterly Income Benefit (QIB) 3.0% or 4.5% or 6.0% or 9.0% of Rider Sum Assured
Lump-Sum Disability Benefit-In the event of permanent total disability of life assured due to any cause (sickness or accident) during policy term, a lump-sum amount equal to Rider Sum Assured will be payable.
Premium Waiver Benefit (PWB)-On the event of permanent total disability of the life assured due to any cause (accident or sickness) during the policy term to which the rider is attached, all future premiums payable under the base policy equal to Sum Assured of this rider shall be waived.
Funeral Expenses Rider-On the event of death of life assured during the policy term to which the rider is attached, lump sum amount equal to 25% of Sum assured or 200,000 whichever is less will be paid immediately.
Critical Illness Rider (CI)-Upon, life assured, being diagnosed with onset of any of the listed 21 Critical Illness during the term of policy, a lump sum amount equivalent to the Sum Assured of the rider will be paid. Sum Assured of CI rider is maximum Rs. 5,000,000/- or Basic SA or as determined by Underwriting Guidelines.
Eligibility
Age18 - 60 years
Policy Term10, 15, 20, 25 years