Samridhhi Agrim Bhuktani Laghu Jeevan Beema Yojana (Money Back)
by क्रेस्ट माइक्रो लाइफ इन्स्योरेन्स
You also receive part of the cover amount at set points during the term, not only at the end. 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
Terms and conditions
- 1) Surrender Benefit
- Only after paying complete 3-year policy premium and after policy completion of 3-year, policy will be eligible for surrender.
- 2) Loan Benefit
- Only after paying complete 3-year policy premium and after policy completion of 3-year, loan facilities will be eligible up to 90 % of surrender value.
- 3) Death Benefit
- If insured die before the maturity of the active policy than in accordance with the terms and conditions of the policy, without deducting returned anticipated amount, sum assured and guaranteed addition amount acquired by policy will be provided.
- 4)Guaranteed bonus addition
What happens in each case
Each plan pays out differently depending on what happens during the term. These are the situations that matter for this kind of plan.
If the insured passes away during the term
This plan states: Basic Sum Assured + Guaranteed Additions (paid without deducting returned anticipated amounts)
Along the way, while the policy is in force
A set share of the sum assured is paid at fixed points during the term. The schedule on this page shows when each instalment falls due.
Typical for money-back plans — confirm the exact terms in the brochure.
If the policy runs to maturity
This plan states: Remaining percentages of Sum Assured as per money-back schedule + Guaranteed Addition
If death is caused by an accident
With the accidental death rider, an additional amount is paid on top of the sum assured. The rider is optional and carries its own premium.
Typical for money-back plans — confirm the exact terms in the brochure.
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
Premium
Quote on request