Samridhhi Agrim Bhuktani Laghu Jeevan Beema Yojana (Money Back)
About this plan
Samridhhi Agrim Bhuktani Laghu Jeevan Beema Yojana is a micro endowment (money-back) life insurance plan that returns a fixed percentage of the Sum Assured at specified intervals until maturity, and provides guaranteed maturity, death and premium waiver benefits. It is aimed at low-income and marginalized groups and supports children’s education and future security.
What's included
Key highlights
- न्यूनतम प्रिमियममा पहुँचयोग्य माइक्रो योजना
- 15/20/25 वर्षका बीमा अवधि विकल्पहरू
- न्यूनतम बीमा रकम रु.50,000 देखि रु.5,00,000 सम्म
Features
- नाम मात्र प्रिमियममा जीवन बीमाको सुरक्षा
- निर्धारित अन्तरालमा अग्रिम (Money-back) भुक्तानी
- निश्चित (guaranteed) परिपक्वता, अनुमानित र मृत्यु लाभ
- प्रिमियम माफ हुने व्यवस्था
- सरेन्डर सुविधा: 3 वर्षपछि सरेन्डर योग्य
- ऋण सुविधा: 3 वर्षपछि सरेन्डर भ्यालुको 90% सम्म ऋण
- कर लाभ उपलब्ध
Eligibility & term
- Entry age
- 18 – 50 years
- Policy term
- 15/20/25 Years
- Sum assured
- Rs 50,000 – Rs 5,00,000
- Premium modes
- Yearly, Half-yearly, Quarterly
Benefits payout
- Death benefit
- Basic Sum Assured + Guaranteed Additions (paid without deducting returned anticipated amounts)
- Maturity benefit
- Remaining percentages of Sum Assured as per money-back schedule + Guaranteed Addition
Declared bonus
Term-wise Breakdown
FY 2081/82
| Tenure (Years) | Rate (per '000) |
|---|---|
| 5-25 | Rs. |
Reversionary bonus rates declared for the latest fiscal year based on policy term. Rates are revised annually and are not guaranteed for future years.
बोनस तथा परिपक्वता प्रक्षेपण
Optional riders
Accidental Death Benefit
मृत्यु दुर्घटनामा मूल बीमासँगै राइडरको रकम उपलब्ध गराइनेछ।
Total Permanent Disability (TPD)
दुर्घटनाका कारण स्थायी अपाङ्गतामा 50-100% (TPD तालिकाअनुसार) राइडर रकम दिइनेछ।
Premium Waiver Benefit
दुर्घटनाका कारण स्थायी अपाङ्गता वा अन्य शर्तहरुमा बाँकी प्रिमियम माफ गरिने व्यवस्था।
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
- Paid-up value
- Yes
- Partial withdrawal
- No
What's not covered
- Suicide within specified waiting period
- War and allied perils
- Pre-existing conditions as per underwriting
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Premium
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