IME Simple Endowment Plan (IME Saral Sawadhik Bima Yojana)
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. A traditional endowment (protection + savings) plan providing Sum Assured plus vested bonus on maturity or on death during the policy term.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-9 | Rs 32 | Rs 32 |
| 10-14 | Rs 32 | Rs 32 |
| 15-19 | Rs 40 | Rs 40 |
| 20-24 | Rs 52 | Rs 52 |
| 25-29 | Rs 67 | Rs 67 |
| 30+ | Rs 70 | Rs 70 |
Recent years
- FY 2081/82
- Rs 32–70/ 1,000
- FY 2080/81
- Rs 32–70/ 1,000
- FY 2079/80
- Rs 32–70/ 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
- सरल र किफायती एन्डोमेन्ट योजना
- विविध ऐच्छिक राइडर उपलब्ध
- ऋण सुविधा र कर लाभ
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
Terms and conditions
- 1.On Death of Policy holder during the policy term, Full Sum Assured Plus Vested Bonus, if any, will be paid to nominee/beneficiary.
- 2.On Survival till Maturity, Full Sum Assured Plus Vested Bonus, if any, will be paid to Policy holder.
- 3.Loan facility: After the policy acquires surrender value.
- 4.Tax Benefits.
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 endowment 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 as a lump sum on the maturity date.
Typical for endowment 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 endowment plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना मृत्यु लाभ
ऐच्छिक दुर्घटना मृत्यु 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 accidental death 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