This is pure cover: it pays your family if something happens during the term, and there is no amount paid back at the end. Samriddhi Kawach Micro Term Life is a non-linked, non-participating individual term insurance plan designed to provide financial protection, especially for individuals without formal life coverage.
What's included
Key highlights
- कम प्रिमियममा माइक्रो टर्म सुरक्षा
- रु.25,000 देखि रु.500,000 सम्म बीमाङ्क
- प्रवेश आयु १८–६०
- अवधि १–१५ वर्ष
- नन-पार्टिसिपेटिङ योजना (बोनस नहुने)
Features
- न्यूनतम बीमाङ्क रु. २५,०००, अधिकतम रु. ५००,०००
- प्रवेश आयु १८–६० वर्ष
- पॉलिसी अवधिः १–१५ वर्ष
- अधिकतम परिपक्वता आयु ६५ वर्ष
- नन-पार्टिसिपेटिङ (बोनस छैन)
- मृत्यु बिमा: नॉमिनीलाई सम्पूर्ण बीमाङ्क भुक्तानी
- म्याच्युरिटी/सर्फाइभल लाभ छैन
- वैकल्पिक राइडर: आकस्मिक अपाङ्गता राइडर
- सहज डिजिटल खरिद र दाबी प्रक्रिया
Terms and conditions
- 1)Death Benefits
- Sum Assured is payable to nominee/legal heirs on death during policy term. Policy terminates after payment.
- 2)Maturity Benefits
- No maturity or survival benefits are available under this plan.
- 3) Paid-up / Surrender: Not Applicable
- 4)Policy Loan: Not Applicable
- 5)Bonus:Not Applicable
- 6)Terms: As per policy document
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
This plan states: Sum Assured payable to nominee/legal heir
If the policy runs to maturity
This plan states: None
Optional riders
Accidental death (ADB)PTD / PWBCritical illness (CI)
Accidental Disability Rider
Optional rider providing benefits in case of accidental disability per rider terms
Loan & liquidity
- Policy loan
- Not available
What's not covered
- Suicide within waiting period as per policy terms
- War, civil commotion, criminal acts
- Pre-existing conditions (as defined in policy)
Premium
Quote on request