IME Money Back Cum Whole Life Plan (IME Kalpadhan)
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. A combined money-back and whole life insurance plan that provides periodic survival (money-back) benefits during the policy term and whole-life coverage. Death benefit pays full sum assured plus vested bonus; survival benefits are paid as predefined percentages of sum assured.
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 |
|---|---|---|
| 10-14 | Rs 32 | Rs 32 |
| 15-19 | Rs 38 | Rs 45 |
| 20-24 | Rs 50 | Rs 55 |
| 25-29 | Rs 63 | Rs 65 |
Recent years
- FY 2081/82
- Rs 32–63/ 1,000
- FY 2080/81
- Rs 32–80/ 1,000
- FY 2079/80
- Rs 32–63/ 1,000
- FY 2078/79
- Rs 32–70/ 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
- मनी ब्याक + होल लाइफ संयुक्त योजना
- प्रीमियम भुक्तानी: सिंगल र बहुवर्षीय विकल्पहरू
- जीवनभर लाभ (समाप्ति उमेर १०० वर्षसम्म)
Features
- न्यूनतम बीमित रकम रु.50,000
- पूर्वनिर्धारित समयमा मनी ब्याक किस्ता (10/12/15/20/25 वर्षका विकल्पहरू)
- जीवनभर कवरेज (Whole Life)
- मृत्युमा पूर्ण सम आश्योर्ड + भेस्टिड बोनस
- म्याद पूरा भएपछिको मृत्युमा पूर्ण बीमाङ्क कटौती बिना भुक्तानी
- वैकल्पिक रायडरहरू: आकस्मिक मृत्यु, आम्दानी लाभ, प्रिमियम वेभर, क्रिटिकल इल्यनेस आदि
- कर लाभ उपलब्ध
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 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 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