IME Dhan Sarita Plus Jeevan Beema 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. Pays 5% of Sum Assured annually on each policy anniversary. Death benefit: Full Sum Assured plus vested bonus. Survival benefit: 5% of SA each year; on maturity remaining SA plus vested bonus is paid. Flexible premium payment terms (Regular, Single, Limited). Optional riders available. Minimum Sum Assured NPR 400,000.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 10-14 | Rs 30 | — |
| 15-19 | Rs 35 | — |
| 20-24 | Rs 38 | — |
| 25-29 | Rs 63 | — |
Recent years
- FY 2081/82
- Rs 30–63/ 1,000
- FY 2080/81
- Rs 22/ 1,000
- FY 2079/80
- Rs 22/ 1,000
- FY 2078/79
- Rs 20/ 1,000
- FY 2077/78
- Rs 30–70/ 1,000
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
- वार्षिक 5% बाँच्ने लाभ
- पूरा बीमाङ्क + बोनस मृत्यु लाभ
- न्यूनतम बीमाङ्क रु. 4,00,000
- लचिलो प्रीमियम तालिका (Regular / Single / Limited)
Features
- प्रत्येक नीतिवार्षिकोत्सवमा बीमाङ्कको 5% वार्षिक रूपमा तिर्ने
- मृत्युमा पूर्ण बीमाङ्क + भेष्टिड बोनस
- परिपक्वतामा बाँकी बीमाङ्क (पहिले दिइएका वार्षिक रकम कटाइसकेपछि) + भेष्टिड बोनस
- लोन सुविधा (सरेन्डर भ्यालु प्राप्त भएपछि)
- कर लाभ
- वैकल्पिक राइडरहरू: दुर्घटना मृत्यु, आय लाभ, प्रिमियम वेभर, अन्त्यकीय खर्च, 21 क्रिटिकल इल्यनेस राइडर (सिमा सम्म)
Terms and conditions
- Death Benefit
- 1. On Death of Policyholder during the policy term, Full Sum Assured Plus Vested Bonus will be paid to nominee/beneficiary.
- 2.Survival Benefit
- 1.On Survival to each policy anniversary given the policy is inforce, 5% of Sum Assured will be paid to Policyholder annually.
- 2.On Survival to Maturity, Remaining Sum Assured (After deducting survival benefits paid earlier) plus Vested Bonus will be paid to Policyholder.
- 3.Loan Facility: After the policy acquires Surrender Value.
- 4.Tax Benefits.
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
ऐच्छिक दुर्घटना मृत्यु राइडर
आय लाभ
स्थायी पूर्ण अशक्ततामा ऐच्छिक आय लाभ
एकमुष्ट लाभ
स्थायी पूर्ण अशक्ततामा ऐच्छिक एकमुष्ट लाभ
बीमाशुल्क छुट लाभ
स्थायी पूर्ण अशक्ततामा ऐच्छिक बीमाशुल्क छुट लाभ
अन्त्येष्टि खर्च लाभ
ऐच्छिक अन्त्येष्टि खर्च लाभ
घातक रोग लाभ
ऐच्छिक घातक रोग राइडर
Accidental Death Benefit
Optional accidental death rider
Income Benefit
Optional income benefit on permanent total disability
Lump-Sum Benefit
Optional lump-sum benefit on permanent total disability
Premium Waiver Benefit
Optional premium waiver on permanent total disability
Funeral Expense Benefit
Optional funeral expense benefit
Critical Illness Benefit
Optional critical illness rider
Loan & liquidity
- Policy loan
- Available
- Loan facility
- Up to 90% of surrender value
Premium
Quote on request