SajiloBima

Gramin Samuhik Myadi Beema Yojana

by लिबर्टी माइक्रो जीवन बीमा

Term
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This is pure cover: it pays your family if something happens during the term, and there is no amount paid back at the end. A non-linked, non-participating one-year group renewable micro term insurance plan that provides cover to affinity groups (cooperatives, NGOs, self-help groups, microfinance loan members) under a master policy issued to a nodal agency.

What's included

Key highlights

  • समूह‑आधारित म्यादी बीमा
  • मास्टर पोलिसी
  • अतिरिक्त र अन्त्य लाभ उपलब्ध

Features

  • , गैर‑भागीदारी, एक वर्षे समूह नवीकरणयोग्य म्यादी बीमा योजना
  • मास्टर पोलिसी नोडल एजेन्सीलाई जारी गरिन्छ
  • मृत्यु अवस्थामा बीमित रकम मास्टर पोलिसीधनीलाई तिर्ने
  • अतिरिक्त कभरेज: अधिकतम ५०% बीमाङ्क सम्म
  • अन्त्य/अन्त्य संस्कार लाभ: अधिकतम १५% बीमाङ्क वा रु. १५,०००
  • दुर्घटना मृत्यु तथा अपाङ्गता राइडर उपलब्ध
  • प्रिमियम नोडल एजेन्सीद्वारा तिर्ने
  • न्यूनतम ७५% सदस्यले सामेल हुनैपर्ने
  • सबै नयाँ सदस्य अनिवार्य रूपमा समावेश हुनुपर्छ
Terms and conditions
  1. Death Benefit
  2. 1) On death during policy term, Sum Assured is paid to Master Policy Holder, who transfers it to nominee/beneficiary.
  3. 2)Master Policy issued to Nodal Agency
  4. 3)Premium paid by Nodal Agency
  5. 4)Minimum 75% members must join
  6. 5)All new members must be covered
  7. 6)DGH required at entry
  8. 7)Sum Assured based on loan/membership

लिबर्टी माइक्रो जीवन बीमा’s page for this plan

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.

  1. If the insured passes away during the term

    This plan states: Sum Assured paid to Master Policy Holder

  2. 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.

  3. 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

Accidental death (ADB)PTD / PWBCritical illness (CI)

  • Accidental Death Rider

    Additional cover for accidental death

  • Disability Rider

    Cover for disability due to accident

Loan & liquidity

Policy loan
Not available
Partial withdrawal
No

Premium

Quote on request

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