Samriddhi Laghu Jeevan Beema Yojana
Endowment
About this plan
A micro endowment life insurance plan targeted at low-income and marginalized groups offering nominal premiums, guaranteed maturity and death benefits features.
What's included
Key highlights
- न्यूनतम बीमा रकम रु.10,000 देखि
- नीति अवधि ५–२० वर्ष
- अधिकतम नीतिम्याद ७० वर्ष
- ३ वर्षपछि सर्भेन्डर र ऋण सुबिधा (९०% सम्म)
- कर छुट प्रदान गर्दछ
Features
- किफायती / नाममात्र प्रिमियम प्रविष्टि
- ग्यारेन्टी परिपक्वता र मृत्यु लाभहरू
- प्रिमियम छूट उपलब्ध छ
- अनुशासित बचत उपकरणको रूपमा कार्य गर्दछ
- बालबालिकाको शिक्षा र भविष्यका आवश्यकताहरूलाई समर्थन गर्दछ
- ३ वर्षपछि आत्मसमर्पण लाभ र ऋण सुविधा उपलब्ध छ
Eligibility & term
- Entry age
- 18 – 60 years
- Policy term
- 5 – 20 years
- Sum assured
- Rs 10,000 – Rs 5,00,000
- Premium modes
- Yearly, Half-yearly, Quarterly
Benefits payout
- Death benefit
- Sum Assured + Guaranteed Addition
- Maturity benefit
- Sum Assured + 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 (ADB)PTD / PWBCritical illness (CI)
Accidental Death Benefit
Additional benefit payable on death due to accident
Total Permanent Disability
Benefit on total and permanent disability due to accident/illness
Premium Waiver Benefit
Waives future premiums in case of insured's death/disability (as per rider terms)
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
- Paid-up value
- Yes
- Partial withdrawal
- No
What's not covered
- Suicide within waiting period
- War and related perils
- Undisclosed pre-existing conditions
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