SajiloBima

Dirghayu Bachat Laghu Beema Yojana

by गार्डियन माइक्रो लाइफ इन्स्योरेन्स नेपाल

Endowment
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A non-linked, non-participating limited micro endowment insurance plan (single and limited premium options) providing savings and life cover targeted at individuals without formal insurance, especially in the microfinance sector.

What's included

Key highlights

  • न्यूनतम बीमा: रु. 10,000
  • पोलिस अवधि: 12 / 16 वर्ष
  • ग्यारेन्टीड एडिशन NPR40 / NPR50 प्रति रु.1000/वर्ष
  • सिंगल प्रिमियम विकल्प उपलब्ध
  • एक्सिडेन्टल राइडर्स उपलब्ध

Features

  • जीवन बाँच्दा: 12 वर्षमा 110% बीमाङ्क + ग्यारेन्टीड बोनस ; 16 वर्षमा 120%बीमाङ्क+ ग्यारेन्टीड बोनस
  • ग्यारेन्टीड बोनस: सिंगल प्रिमियम NPR 40 प्रति रु.1000/वर्ष; अन्य लिमिटेड प्रिमियम NPR 50 प्रति रु.1000/वर्ष
  • मृत्यु हुँदा:बीमाङ्क प्लस ग्यारेन्टीड बोनस भुक्तानी
  • राइडर उपलब्ध
Terms and conditions
  1. Basic Benefits:
  2. On survival to the end of policy term, the following benefit will be payable to the life assured:
  3. For 12-year policy term - 110% of Sum Assured plus Accrued Guaranteed Additions.
  4. For 16-year policy term - 120% of Sum Assured plus Accrued Guaranteed Additions.

गार्डियन माइक्रो लाइफ इन्स्योरेन्स नेपाल’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 + Accrued Guaranteed Additions

  2. If the policy runs to maturity

    This plan states: For 12-year: 110% of Sum Assured + Accrued Guaranteed Additions; For 16-year: 120% of Sum Assured + Accrued Guaranteed Additions

  3. If death is caused by an accident

    This plan states: Rider sum assured payable (if rider chosen)

Optional riders

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

  • Accidental Benefit Rider (ABR)

    Medical/treatment expense reimbursement for accidental injury and life cover for accidental death.

  • Accidental Death Benefit

    Rider sum assured payable on death due to accident during policy term.

  • Accidental Total and Permanent Disability Benefit Rider

    Provides lump-sum payouts for specific permanent disabilities (loss of limbs, sight, hearing) as defined in plan.

Loan & liquidity

Partial withdrawal
No

Premium

Quote on request

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