This is pure cover: it pays your family if something happens during the term, and there is no amount paid back at the end. iEnsure Jeevan Beema Yojana is a non‑participating return‑of‑premium term plan providing coverage for the policy term. On death during the policy term the sum assured is paid; if death occurs before risk commencement premium is refunded; at maturity total premiums paid are returned.
What's included
Key highlights
- परिपक्वतामा प्रिमियम फिर्ता
- जोखिम सुरु हुनु भन्दा पहिले मृत्युलाई प्रिमियम फिर्ता
- मृत्युमा बीमांक भुक्तानी
- जोखिम १ वर्षपछि सुरु (दुर्घटना बाहेक)
Features
- गैर‑पार्टिसिपेटिङ् टर्म योजना (Return of Premium)
- जोखिमको सुरु हुनु अगाडि मृत्युलाई प्रिमियम फिर्ता
- योजना अवधि भित्र मृत्यु भएमा बासलभूत बीमांक भुक्तानी
- योजना परिपक्वतामा कुल भुक्तान गरिएको प्रिमियम फिर्ता
- जोखिम लागू हुने समय: बीमा योजना सुरु भए १ वर्षपछि ( दुर्घटनात्मक मृत्य बाहेक)
- सुरेन्डर भ्यालु केवल ३ पूर्ण वर्ष र ३ पूर्ण वार्षिक प्रिमियम भुक्तानी पछि
Terms and conditions
- 1)Death Benefit : In the event of Death of the Person Covered, the Death Benefit shall be the total sum assured. Prior to risk commencement, this is a refund of premium.
- 2)Surrender Benefit : Surrender value is only applicable upon completion of three policy years where three full annual premiums payments have been made.
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
The premiums paid over the term are returned to you at maturity. There is no bonus on top.
Typical for term plans — confirm the exact terms in the brochure.
Optional riders
No optional riders are attached to this plan.
Loan & liquidity
- Surrender allowed
- After 3 years
Premium
Quote on request