IME Child Money Back Plan (IME Bal Umanga)
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. Child-targeted money-back life plan to meet education and marriage needs. Survival benefits are paid in five instalments (20% each) starting four years before maturity; death benefits and bonuses apply.
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 शिक्षा/विवाह लक्ष्यका लागि मनी-ब्याक संरचना
- म्याच्युरिटीअगाडि ४ वर्षदेखि ५ किस्तामा २०%–२०% भुक्तानी
- प्रीमियम वेभर र आय लाभ (अनिवार्य कवरेज) उपलब्ध
Features
- सर्वाइभल बेनिफिट्स: म्याच्युरिटीभन्दा ४ वर्षअघि पाँच किस्तामा प्रत्येक २०% बोनससहित
- मिनिमम सम अस्योर्ड: रु. 100,000
- प्रवेश उमेर (आशयित): 0–17 वर्ष (Age Last Birthday)
- प्रोबोजर प्रवेश उमेर: 18–60 वर्ष (Age Nearest Birthday)
- प्रीमियम भुक्तानी: सिंगल, वर्षिक, अर्धवार्षिक, त्रैमासिक; नियमित, सीमित र सिंगल टर्म उपलब्ध
- जोखिम आरम्भ: नीतिको सुरु भएपछि 2 वर्षपछि वा बालक जन्मबाट 6 वर्ष पूरा भएपछि (यसमध्ये ढिला हुने लागू); उमेर ≥15 हुँदा 1 वर्षमा जोखिम सुरु
- अनिवार्य लाभ (Proposer को मृत्य/स्थायी अप्रतिभ): प्रिमियम वेभर र मासिक/त्रैमासिक आय लाभ
- वैकल्पिक राइडर: आकस्मिक मृत्यु, लम्प-सम, 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.
Typical for life insurance plans — confirm the exact terms in the brochure.
If the policy runs to maturity
You receive the sum assured plus the bonus built up to that date on the maturity date.
Typical for life insurance 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 life insurance 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