Bachat Amrit Sawadhik Jeevan Beema Yojana
In simple terms: you pay a fixed amount each year, and at the end of the term you get your cover amount back together with the bonus the insurer adds along the way. Traditional savings-cum-life insurance endowment/anticipated plan providing life cover and maturity benefits including declared bonuses.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 5-14 | Rs 64 | — |
| 15-20 | Rs 64 | Rs 64 |
| 21-25 | Rs 70 | Rs 70 |
| 26+ | Rs 85 | — |
Recent years
- FY 2081/82
- Rs 64–85/ 1,000
- FY 2080/81
- Rs 64–85/ 1,000
- FY 2079/80
- Rs 64–85/ 1,000
- FY 2078/79
- Rs 64–85/ 1,000
- FY 2077/78
- Rs 64–85/ 1,000
Source: नेशनल लाइफ इन्स्योरेन्स declaration for FY 2081/82
Bonus rates are declared annually and are not guaranteed. Past rates do not guarantee future rates.
What's included
Key highlights
- बचत र सुरक्षा संयोजन
- घोषित बोनस प्राप्त गर्ने परम्परागत योजना
- वर्षिक/मासिक प्रीमियम विकल्प
Features
- बचत केन्द्रित एन्डोमेन्ट योजना
- जीवन बीमा सुरक्षासहित परिपक्वता रकम
- कम्पनीद्वारा घोषित बोनस प्राप्त हुने
- ऋण सुविधा उपलब्ध हुनसक्छ
- विभिन्न प्रीमियम भुक्तानी मोड समर्थन
Terms and conditions
- Surrender value : After completion of 2 years and as least 2 full years premium should have been paid from the date of commencement
- Loan: Maximum 90% of the Surrender value (Present 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 plus the bonus built up to that date, and the policy ends.
Typical for endowment plans — confirm the exact terms in the brochure.
If the policy runs to maturity
You receive the sum assured plus the bonus built up to that date as a lump sum on the maturity date.
Typical for endowment 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 endowment plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना मृत्यु लाभ (ADB)
बीमाङ्क बराबर वा अधिकतम रु. २५,००,००० सम्म दुर्घटना मृत्यु लाभ।
बीमाशुल्क छुट सुविधा (PWB)
योजनाका सर्तअनुसार बीमाशुल्क छुट सुविधा उपलब्ध।
Accidental Death Benefit (ADB)
Accidental Death Benefit equal to Sum Assured or up to Rs. 2,500,000.
Premium Waiver Benefit (PWB)
Premium waiver benefit is available under the plan terms.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 2 years
- Loan facility
- Up to 90% of surrender value
Premium
Quote on request