IME Surakchya/Surakshya Maydhi Term Assurance Plan
This is pure cover: it pays your family if something happens during the term, and there is no amount paid back at the end. Non-participating term assurance that pays full sum assured on death during the term. Available in yearly or single premium mode. Optional riders include funeral expense, accidental death, total & partial permanent disability.
What's included
Key highlights
- टर्म प्लान — नाफामा सहभागी नभएको
- पूर्ण मृत्यु बीमा रकम भुक्तानी
- वैकल्पिक दुर्घटना राइडरहरूसहित
Features
- टर्म योजना
- पेमेन्ट मोड: वार्षिक वा एकपटक
- पूर्ण मृत्यु लाभ
- वैकल्पिक राइडर: अन्त्येष्टि, दुर्घटना मृत्यु, कुल स्थायी अपांगता, आंशिक स्थायी अपांगता
Terms and conditions
- 1. Death Benefits:
- a) On Death of the Policy holder during the policy term, Full Sum Assured will be paid to the nominee/beneficiary.
- b) The policy will terminate on such payment.
- 2. 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 दुर्घटनाजन्य PTD राइडर
दुर्घटनाजन्य आंशिक स्थायी अशक्तता लाभ
ऐच्छिक दुर्घटनाजन्य PPD राइडर
Funeral Expense Benefit
Optional funeral expense rider
Accidental Death Benefit
Optional accidental death rider
Accidental Total Permanent Disability Benefit
Optional accidental PTD rider
Accidental Partial Permanent Disability Benefit
Optional PPD rider
Loan & liquidity
- Policy loan
- Not available
Premium
Quote on request