This is pure cover: it pays your family if something happens during the term, and there is no amount paid back at the end. This is a one-year single premium term plan targeted at the micro-insurance segment. It provides financial protection against death or permanent total disability due to accident during the policy term, with additional payout on accidental death and a funeral expense benefit. There is no survival benefit.
What's included
Key highlights
- म्यादी जीवन बीमा - ग्रामीण लक्षित
- आकस्मिक मृत्यु तथा स्थायी अपाङ्गता कभर
- अन्त्येष्टी खर्चको लागि अतिरिक्त १०% कभर
Features
- न्यूनतम बीमांक रु. 10,000, अधिकतम बीमांक रु. 3,00,000
- नीतिको अवधि स्थिर: १ वर्ष
- प्रिमियम एकपटक (single premium) नीतिस्थापनमा नै तिर्ने
- मृत्यु बीमाः नीतिकालभित्र मृत्यु भएमा समा सुनिश्चित रकम भुक्तान
- अन्त्येष्टी खर्चः समा सुनिश्चित रकमको 10% अतिरिक्त भुक्तान
- आकस्मिक मृत्युमा अतिरिक्त समा सुनिश्चित रकम भुक्तान
- आकस्मिक स्थायी पूर्ण अपाङ्गतामा सुनिश्चित रकम भुक्तान
- जिवित रहँदा कुनै भुक्तानी हुँदैन (no survival benefit)
- सरेन्डर, पेड-अप र ऋण उपलब्ध छैन
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 full sum assured. There is no savings element, so nothing else accrues.
Typical for term plans — confirm the exact terms in the brochure.
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.
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
दुर्घटना मृत्यु लाभ
दुर्घटनावश मृत्यु भएमा भुक्तानी हुने थप लाभ।
पूर्ण स्थायी अशक्तता लाभ
दुर्घटनाका कारण पूर्ण स्थायी अशक्तता भएमा भुक्तानी हुने लाभ।
Accidental Death Benefit
Additional benefit payable on accidental death.
Permanent Total Disability Benefit
Benefit payable on permanent total disability due to accident.
Loan & liquidity
- Policy loan
- Not available
Premium
Quote on request