Life Insurance
Popular
IME Simple Endowment Plan (IME Saral Sawadhik Bima Yojana)
Best Value
Entry Age
18–65 वर्ष
Minimum Sum assured
रु.25,000
Income benefit rider
Monthly/quarterly income upon disability
Coverage
रु. 25,000 रु.
Based on Source of Income
Description
A traditional endowment (protection + savings) plan providing Sum Assured plus vested bonus on maturity or on death during the policy term.
Features
- न्यूनतम बीमित रकम: रु.25,000
- प्रवेश आयु: 18–65 वर्ष
- नीतिहरूको अवधि: 5–52 वर्ष
- मृत्युमा बीमित रकम + घोषित बोनस भुक्तानी
- परिपक्वतामा बीमित रकम + घोषित बोनस भुक्तानी
- सरेण्डर भ्यालु प्राप्त भएपछि ऋण सुविधा
- कर लाभ उपलब्ध
- एउटै योजना अन्तर्गत धेरै वैकल्पिक राइडरहरू उपलब्ध छन्
Highlights
- सरल र किफायती एन्डोमेन्ट योजना
- विविध ऐच्छिक राइडर उपलब्ध
- ऋण सुविधा र कर लाभ
Life Insurance Details
Available Riders
Accidental Death Benefit-For additional premium, on the event of death of the life assured during the rider policy term due to accident before age 70 years, an additional sum equal to the Rider Sum Assured of this rider will be paid.
Income Benefit (IB)-In the event of permanent total disability of life assured due to any cause (sickness or accident) during policy term, a regular Monthly Income Benefit of 1.0% or 1.5% or 2.0% or 3.0% of Rider Sum Assured (as mentioned in policy schedule of policy taken), OR, Quarterly Income Benefit (QIB) 3.0% or 4.5% or 6.0% or 9.0% of Rider Sum Assured
Lump-Sum Disability Benefit-In the event of permanent total disability of life assured due to any cause (sickness or accident) during policy term, a lump-sum amount equal to Rider Sum Assured will be payable.
Premium Waiver Benefit (PWB)- On the event of permanent total disability of the life assured due to any cause (accident or sickness) during the policy term to which the rider is attached, all future premiums payable under the base policy equal to Sum Assured of this rider shall be waived.
Funeral Expenses Rider-On the event of death of life assured during the policy term to which the rider is attached, lump sum amount equal to 25% of Sum assured or 200,000 whichever is less will be paid immediately.
Critical Illness Rider (CI)-Upon, life assured, being diagnosed with onset of any of the listed 21 Critical Illness during the term of policy, a lump sum amount equivalent to the Sum Assured of the rider will be paid. Sum Assured of CI rider is maximum Rs. 5,000,000/- or Basic SA or as determined by Underwriting Guidelines.
Eligibility
Age18 - 65 years
Policy Termन्यूनतम 5 वर्ष, अधिकतम 52 वर्ष