Citizen Jeevan Saarathi Yojana
In simple terms: you pay a fixed amount each year, and at the end of the term you get your cover amount back together with the bonus the insurer adds along the way. You also receive part of the cover amount at set points during the term, not only at the end. Long-term protection plan providing life cover up to age 90 with periodic money-back payments at ages 70,75,80,85 and 90. Sum assured plus bonuses are payable at end of premium payment term. A plan that has three features of endowment, whole-life and moneyback
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
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Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-9 | Rs 38 | Rs 38 |
| 10-14 | Rs 39 | Rs 42 |
| 15-19 | Rs 41 | Rs 45 |
| 20-24 | Rs 43 | Rs 50 |
| 25-29 | Rs 65 | Rs 63 |
| 30+ | Rs 80 | Rs 73 |
Recent years
- FY 2081/82
- Rs 38–80/ 1,000
- FY 2080/81
- Rs 38–73/ 1,000
- FY 2079/80
- Rs 37–77/ 1,000
- FY 2078/79
- Rs 37–75/ 1,000
- FY 2077/78
- Rs 37–70/ 1,000
Source: सिटिजन लाइफ इन्स्योरेन्स declaration for FY 2081/82
Bonus rates are declared annually and are not guaranteed. Past rates do not guarantee future rates.
What's included
Key highlights
- ९० वर्षसम्म म्याच्युरिटी
- ७०–९० वर्षमा कुल ५ चरण मनी-ब्याक (प्रत्येक २०%)
- प्रिमियम मोडमा छुट
Features
- ९० वर्षसम्म जीवन बीमा सुरक्षा
- ७०/७५/८०/८५/९० वर्षमा प्रत्येकचोटि २०% मनी-ब्याक
- प्रिमियम भुक्तानी अवधिमा मृत्यु भएमा बीमाङ्क र बोनस
- रिडरहरू: ADB, PTD, PWB उपलब्ध
- ३ वर्षपछि सरेन्डर/ऋण; सर्वाइवल बेनिफिटबाट ५०% ऋण
Terms and conditions
- 1. On Survival to Premium Payment Term: Sum Assured + Bonus
- 2. On Death during Premium Payment Term: Sum Assured + Bonus
- 3. On Death after Premium Payment Term: Sum Assured (less Survival Benefit already paid, if any)
- Additional Survival benefits
- Survival benefit is given after the life assured receives sum assured and bonus at the end of premium payment term and goes on to survive the below mentioned ages. Survival benefit is paid in the policy anniversary date following below mentioned birthdays.
- Survival Benefit Benefit Amount
- Survival to age 70 years 20 % of Sum Assured
- Survival to age 75 years 20 % of Sum Assured
- Survival to age 80 years 20 % of Sum Assured
- Survival to age 85 years 20 % of Sum Assured
- Survival to age 90 years 20 % of Sum Assured
- The policy will get terminated after that.
- Financial emergency can come at any time. For this reason, Jeevan Saarathi has provision for policy loan from
- survival benefit. Policy holder can withdraw loan up to 50% of Survival Benefit 2 years before the next due survival benefit.
- Survival Benefit Benefit Amount
- Survival to age 70 years 20 % of Sum Assured
- Survival to age 75 years 20 % of Sum Assured
- Survival to age 80 years 20 % of Sum Assured
- Survival to age 85 years 20 % of Sum Assured
- Survival to age 90 years 20 % of Sum Assured
- 2. Policy holder can withdraw loan up to 50% of Survival Benefit 2 years before the next due survival benefit.
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
The nominee receives the sum assured plus the bonus built up to that date. Instalments already paid out along the way are not deducted from this amount.
Typical for money-back plans — confirm the exact terms in the brochure.
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
You receive the balance of the sum assured plus the bonus built up to that date — the part not already paid as instalments.
Typical for money-back plans — confirm the exact terms in the brochure.
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
दुर्घटना मृत्यु लाभ
दुर्घटना मृत्यु लाभ
स्थायी पूर्ण अशक्तता
स्थायी पूर्ण अशक्तता लाभ
प्रिमियम छुट लाभ
प्रिमियम छुट लाभ
Accidental Death Benefit
Accidental death benefit
Permanent Total Disability
PTD benefit
Premium Waiver Benefit
Premium waiver benefit
Premium
Quote on request