बचत लघु बीमा
न्यूनतम बीमित
रु. 10,000
पोलिस अवधि
12 / 16 वर्ष
ग्यारेन्टीड एडिशन
NPR 40 / NPR 50 प्रति रु.1000/वर्ष
Premium
रु. 0 रु./एकपटक / रु./वर्ष
NPR/single or NPR/yr
Coverage
रु. 10,000 रु.
500000
Description
A non-linked, non-participating limited micro endowment insurance plan (single and limited premium options) providing savings and life cover targeted at individuals without formal insurance, especially in the microfinance sector.
Features
- Survival benefit: 12-year = 110% Sum Assured + accrued guaranteed additions; 16-year = 120% Sum Assured + accrued guaranteed additions
- Guaranteed additions: Single premium NPR 40 per 1,000 p.a.; limited premium NPR 50 per 1,000 p.a.
- Death benefit: Sum assured + accrued guaranteed additions
- Accidental benefit and total & permanent disability riders available
Highlights
- Min Sum Assured: NPR 10,000
- Policy term: 12 / 16 years
- Guaranteed additions: NPR 40 / NPR 50 per 1,000 p.a.
- Single premium option available
- Accidental riders available
Life Insurance Details
Available Riders
Accidental Benefit Rider: 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 life assured.
Accidental Death Benefit: During the policy term, on death of the life assured due to an accident (ie due to external cause), rider sum assured is payable to the nominee/beneficiary. The policy terminates upon such payments.
Accidental Total and Permanent Disability Benefit Rider: In the event of total and permanent disability of the life assured due to any cause, within six months of the date of the accident, following benefits will be paid to the policyholder: 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)
Single premium option yrsRs. 40
Other limited premium option yrsRs. 50
Eligibility
Age18 - 55 years
Policy Term12 or 16 years