This is pure cover: it pays your family if something happens during the term, and there is no amount paid back at the end. Compulsory term life policy for those going abroad for foreign employment. Provides sum assured on death and additional benefits for funeral, repatriation, income loss, disability, critical illness and medical reimbursement.
What's included
Key highlights
- बाह्य रोजगारीका लागि अनिवार्य टर्म लाइफ योजना
- निश्चित कभरेज रकम
- अन्त्येष्टि र पुनःदेश फिर्ता खर्च समावेश
- छोटो अवधि का लागि उपलब्ध
Features
- वैदेशिक रोजगारीका लागि अनिवार्य
- मृत्युमा रु. १०,००,००० बिमाश्रेय
- अन्त्येष्टि खर्च रु. १,००,०००
- पुनःदेश फिर्ता खर्च रु. १,००,००० (प्रमाण सँगै)
- आय घट्दा रु. २,००,००० प्रतिपूर्ति
- स्थायी पूर्ण अपाङ्गतामा रु. १०,००,०००
- अस्थायी आंशिक अपाङ्गतामा अधिकतम रु. ५,००,०००
- गम्भीर रोग लाभ रु. ५,००,०००
- दुर्घटना सम्बन्धि र गम्भीर रोगको उपचारमा चिकित्सा प्रतिपूर्ति अधिकतम रु. १,००,०००
- गम्भीर रोग कभरका लागि प्रिमियममा अतिरिक्त रु. ४०० जोडिने
Terms and conditions
- 1.The full sum assured amount will be paid upon the death of the life assured during the term of the policy.
- 2.A funeral expense of Rs. 1,00,000/- will be provided.
- 3.If the insured dies in a foreign country and proof of repatriation is provided, Rs. 1,00,000/- will be provided as a repatriation expense.
- 4.For loss of income, Rs. 2,00,000/- will be provided.
- 5.In the case of permanent total disability of the life assured during the policy term, Rs. 10,00,000/- will be provided.
- 6.In the case of temporary partial disability of the life assured during the policy term, a maximum of up to Rs. 5,00,000/- will be provided.
- 7.Upon being diagnosed with a critical illness, Rs. 5,00,000/- will be provided.
- 8.Medical reimbursement up to Rs. 100,000/- will be provided for incidents occurring due to traumatic events and for medical expenses incurred while treating critical illnesses.
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
नीतिमा अन्तर्निहित अन्त्येष्टि खर्च लाभ
दुर्घटना मृत्यु लाभ
दुर्घटना मृत्यु सुरक्षा नीतिको लाभमा समावेश
स्थायी पूर्ण अशक्तता लाभ
स्थायी पूर्ण अशक्तता लाभ समावेश
आंशिक अशक्तता लाभ
आंशिक अशक्तता लाभ समावेश
घातक रोग लाभ
थप प्रिमियममा घातक रोग सुरक्षा उपलब्ध
Funeral Expense Benefit
Core policy funeral expense benefit
Accidental Death Benefit
Accidental death protection included in policy benefits
Permanent Total Disability Benefit
Permanent total disability benefit included
Partial Disability Benefit
Partial disability benefit included
Critical Illness Benefit
Critical illness coverage available with additional premium
Loan & liquidity
- Policy loan
- Not available
Premium
Quote on request