IME Child Annual Money Back Plan (IME Bal Kiran)
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. If you are ever unable to keep paying, the plan carries on by itself and your child still receives the full amount when the term ends. A child-focused annual money-back life insurance plan offering regular, single or limited premium payment options. Provides annual money-back payments during the policy term, maturity benefit plus vested bonus, and includes compulsory benefits like premium waiver and income benefit.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rs 30–80
per Rs 1,000 sum assured, per year · declared FY 2081/82
Recent years
- FY 2081/82
- Rs 30–80/ 1,000
- FY 2080/81
- Rs 30–80/ 1,000
- FY 2079/80
- Rs 22–80/ 1,000
- FY 2078/79
- Rs 30–70/ 1,000
- FY 2077/78
- Rs 30–70/ 1,000
* Company-wide declared range — the plan's own term bands were not published that year.
Source: आईएमई 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
- बच्चाको भविष्य सुरक्षा र आवधिक नगद फिर्ता
- वर्ष 4 पछि प्रत्येक वर्ष 4% मनी-ब्याक
- परिपक्वतामा उच्च प्रतिशत भुक्तानी र भेन्टेड बोनस
- प्रिमियम वाइवर र आय लाभ अनिवार्यरूपमा उपलब्ध
Features
- न्यूनतम बीमित रकम: रु. 100,000
- वार्षिक मनी-ब्याक: नीति सुरु भएर पूरा 4 वर्षपछि प्रत्येक वार्षिकोत्सवमा बीमित रकमको 4% भुक्तान
- परिपक्वतामा भुक्तानी: [125% of SA – (U–4)*4%] + भेन्टेड बोनस
- प्रवेश उमेर (बीमित बाल): 0–17 वर्ष (Age last birthday)
- प्रवेश उमेर (प्रपोजर): 18–60 वर्ष (Age nearest birthday)
- पोलिसी अवधि: 10–25 वर्ष
- प्रीमियम भुक्तानी मोड: एकल, वार्षिक, अर्धवार्षिक, त्रैमासिक; प्रिमियम टर्म: नियमित/सीमित/एकल
- जोखिम आरम्भ: नीति मिति भन्दा 2 वर्ष पछि वा बालको जन्मदेखि 6 वर्ष पूरा हुँदा (जुन ढिलो)
- अनिवार्य लाभ: प्रिमियम वाइवर, मासिक/त्रैमासिक आय लाभ (प्रस्तावित प्रतिशतहरूसँग)
- वैकल्पिक राइडरहरू: आकस्मिक मृत्यु लाभ, एकमुष्ट भुक्तानी, अन्त्येष्टि खर्च
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, and the policy ends. Most child plans are written on the parent's life, so see the next case for how the child is protected.
Typical for child plans — confirm the exact terms in the brochure.
If the policy runs to maturity
The child receives the sum assured plus the bonus built up to that date, timed to the age set when the policy was taken out.
Typical for child 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 child plans — confirm the exact terms in the brochure.
Optional riders
बीमाशुल्क छुट लाभ
प्रस्तावकको मृत्यु वा स्थायी पूर्ण अशक्ततामा अनिवार्य
आय लाभ
अनिवार्य प्रस्तावक आय लाभ
दुर्घटना मृत्यु लाभ
ऐच्छिक राइडर
एकमुष्ट लाभ
ऐच्छिक एकमुष्ट लाभ
अन्त्येष्टि खर्च लाभ
ऐच्छिक अन्त्येष्टि खर्च राइडर
घातक रोग लाभ
ऐच्छिक घातक रोग राइडर
Premium Waiver Benefit
Compulsory on proposer death or total permanent disability
Income Benefit
Compulsory proposer income benefit
Accidental Death Benefit
Optional rider
Lump-Sum Benefit
Optional lump-sum benefit
Funeral Expense Benefit
Optional funeral expense rider
Critical Illness Benefit
Optional critical illness rider
Loan & liquidity
- Policy loan
- Available
- Loan facility
- Up to 90% of surrender value
Premium
Quote on request