A child-focused life insurance plan to secure a child's future. Provides financial protection for education and long-term needs, with benefits on maturity, survival payouts and proposer-death protections.
What's included
Key highlights
- बाल प्रवेश आयु: १ महिना – १७ वर्ष
- प्रति वर्ष 1.5% बीमाङ्क (सुरक्षा भुक्तानी)
- सरेन्डरपछि ९०% सम्म ऋण उपलब्ध
Features
- शिक्षा र दीर्घकालीन आवश्यकता सुनिश्चित गर्न आर्थिक सुरक्षा
- बचत/बाँच्ने बोनस: प्रतिवर्ष 1.5% बीमाङ्क भुक्तानी
- परिपक्वतामा बीमाङ्क+ सुनिश्चित थपहरू भुक्तानी
- प्रस्तावकको मृत्यु हुँदा भविष्यका प्रिमियम माफ
- बीमाको शुरुभन्दा पहिले प्रीमियम फिर्ता (रिस्क सुरु नभएका अवस्थामा)
- सरेन्डर भ्यालुको विरुद्धमा ९०% सम्म ऋण उपलब्ध
Terms and conditions
- 1) Death Benefits
- Before Risk Start: Premium returned, policy ends
- After Risk Start: Higher of 25% Sum Assured or premiums + additions
- 2)Proposer Death:
- Future premiums waived
- 1.5% Sum Assured yearly payout until maturity
- Both die: 100% Sum Assured+ benefits
- 3)Maturity Benefits
- On survival till maturity, Sum Assured plus accrued guaranteed additions will be paid. The policy terminates after payout.
- 4)Survival / Surrender- Surrender allowed after 3 years premium payment
- Up to 90% loan available against surrender value
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, and the policy ends.
Typical for life insurance plans — confirm the exact terms in the brochure.
If the policy runs to maturity
You receive the sum assured on the maturity date.
Typical for life insurance 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 life insurance plans — confirm the exact terms in the brochure.
Optional riders
Premium
Quote on request