बाल योजना
न्यूनतम बीमाङ्क
रु. 10,000
बीमा अवधि
8–25 वर्ष
प्रिमियम मोड
त्रैमासिक / अर्धवार्षिक / वार्षिक
Premium
रु. 0 रु./वर्ष
NPR/yr
Coverage
रु. 10,000 रु.
500,000
Description
A non-linked, non-participating regular premium child endowment plan providing savings and life cover for a child (life assured) with compulsory cover for the proposer.
Features
- Savings plus life cover for the child
- Compulsory proposer cover to protect child benefits
- Sum assured range: NPR 10,000 to NPR 500,000
- Policy term 8 to 25 years
- Guaranteed additions per 1,000 SA: NPR 25 / 35 / 45 depending on term
Highlights
- Child-focused endowment plan
- Premium waiver and monthly benefit on proposer death
- Risk commencement rule for children under 6 (2-year waiting)
Life Insurance Details
Available Riders
Accidental Benefit Rider (ABR)-ABR provides medical/treatment expense reimbursement in the event of an injury due to accident and a life cover protection in the event of death due to an accident of the proposer.
Accidental Death Benefit: During the policy term, on death of the proposer due to an accident (ie due to external cause), rider sum assured is payable to the beneficiary. The policy terminates upon such payments.
Accidental Total and Permanent Disability Benefit Rider: In the event of total and permanent disability of the proposer due to any cause, within six months of the date of the accident, following benefits will be paid to the proposer: Loss of both hands/ both feet – 100% of Sum Assured Complete and irrecoverable loss of sight in both eyes – 100% of Sum Assured Loss of one hand or one foot together with complete and irrecoverable loss of sight in one eye – 100% of Sum Assured Loss of one hand/foot – 50% of Sum Assured Complete and irrecoverable loss of hearing in both ears – 50% of Sum Assured Complete and irrecoverable loss of sight in one eye – 50% of Sum Assured
Bonus Rate (per Rs. 1,000)
8-15 yrsRs. 25
16-20 yrsRs. 35
21-25 yrsRs. 45
Eligibility
Age20 - 55 years
Policy Term8 yrs to 25 yrs