IME Credit Term (Karja Myadi Jeevan Beema)
This is pure cover: it pays your family if something happens during the term, and there is no amount paid back at the end. Affordable credit-term life insurance designed to provide maximum risk cover with minimal premiums. No maturity benefit; full sum assured paid on death during policy term. Optional riders available.
What's included
Key highlights
- कम प्रिमियममा जीवन सुरक्षा
- १–१५ वर्षको लचिलो बीमा अवधि
- वर्षेनी भुक्तानी मोड
Features
- सस्तो प्रिमियममा जोखिम सुरक्षा लक्षित
- न्यूनतम बीमासम्म रु.10,000, अधिकतम रु.2,000,000
- मृत्यु अवस्थामा पूरा सम assured भुक्तानी
- परिपक्वता लाभ लागू हुँदैन
- वर्षेनी प्रिमियम भुक्तानी मोड
- विविध वैकल्पिक राइडर उपलब्ध: अन्त्येष्टि खर्च, आकस्मिक मृत्यु, स्थायी अपाङ्गता आदि
Terms and conditions
- Death Benefits:
- 1.On death of the life assured during the policy term, Full Sum Assured under the policy will be paid to the nominee/beneficiary.
- 2.The policy will terminate on such payment.
- 3.Maturity Benefit: Not Applicable.
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 full sum assured. There is no savings element, so nothing else accrues.
Typical for term plans — confirm the exact terms in the brochure.
If the policy runs to maturity
There is no maturity payout. The premium buys cover for the term, not savings.
Typical for term 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 term plans — confirm the exact terms in the brochure.
Optional riders
अन्त्येष्टि खर्च लाभ
ऐच्छिक अन्त्येष्टि खर्च राइडर
दुर्घटना मृत्यु लाभ
ऐच्छिक दुर्घटना मृत्यु राइडर
दुर्घटनाजन्य स्थायी पूर्ण अशक्तता लाभ
ऐच्छिक PTD राइडर
दुर्घटनाजन्य आंशिक स्थायी अशक्तता लाभ
ऐच्छिक PPD राइडर
Funeral Expense Benefit
Optional funeral expense rider
Accidental Death Benefit
Optional accidental death rider
Accidental Total Permanent Disability Benefit
Optional PTD rider
Accidental Partial Permanent Disability Benefit
Optional PPD rider
Loan & liquidity
- Policy loan
- Not available
Premium
Quote on request