Chamatkarik Herchah Insurance
by प्रभु महालक्ष्मी लाइफ इन्स्योरेन्स
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. This is Endowment Assurance Plan that combines both the risk coverage and saving element at reasonable premium. Upon payment of premiums during the policy term, a lump sum amount of sum assured and vested bonus is paid on maturity or death of the insured.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 5-9 | Rs 33 | — |
| 10-14 | Rs 33 | Rs 33 |
| 15-19 | Rs 40 | Rs 40 |
| 20-24 | Rs 51 | Rs 51 |
| 25+ | Rs 70 | Rs 70 |
Recent years
- FY 2081/82
- Rs 33–70/ 1,000
- FY 2080/81
- Rs 33–70/ 1,000
- FY 2079/80
- Rs 50–51/ 1,000
- FY 2078/79
- Rs 33–70/ 1,000
- FY 2077/78
- Rs 33–70/ 1,000
Source: प्रभु महालक्ष्मी 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
- परिपक्वता + मृत्यु लाभ
- प्रिमियममा छुट
- रेडर्स उपलब्ध छन्
Features
- परिपक्वता लाभ: बीमाङ्कको पूर्ण रकम र संचित बोनस परिपक्वतामा भुक्तानीयोग्य हुनेछ।
- मृत्यु लाभ: - पोलिसी अवधिमा मृत्यु भएमा, बीमाङ्कको १००% रकम तुरुन्तै लाभार्थीलाई भुक्तानी गरिनेछ।
- मृत्युमा त्रैमासिक रूपमा २.५% को नियमित मासिक आय लाभ उपलब्ध छ।
- ऋण/भुक्तानी मूल्य र समर्पण मूल्य उपलब्ध छ।
- वैकल्पिक रेडरहरू समावेश छन्।
- प्रिमियममा छुट उपलब्ध छ।
Terms and conditions
- 1. Full Sum Assured plus accrued bonuses at maturity
- 2. Full Sum Assured plus accrued bonuses upon death
- a) additional quarterly MIB of .2.5% of Sum Assured
- 3.Supplementary Benefits: TPDA: 48 quarterly payments (12 years) of 2.5% of Sum Assured will be made to the assured. The future premiums will be waived of and the Basic policy will continue to be in force with usual features.
- 4)The policy will gain paid-up value or surrender value upon payment of premiums for 3 full years. Upon the death of the insured or maturity of policy, whichever occurs earlier, the paid-up value will be paid to the insured if the policy is lapsed.
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 life insurance 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 on the maturity date.
Typical for life insurance plans — confirm the exact terms in the brochure.
Optional riders
स्थायी पूर्ण अशक्तता लाभ (PTD)
राइडरका शर्तअनुसार स्थायी पूर्ण अशक्ततामा लाभ।
बीमाशुल्क छुट सुविधा (PWB)
लागू राइडरका शर्तअनुसार बीमाशुल्क छुट सुविधा।
घातक रोग लाभ (CI)
निर्धारित राइडरका शर्तअनुसार घातक रोग लाभ।
Permanent Total Disability Benefit (PTD)
Benefit associated with total permanent disability according to the rider conditions.
Premium Waiver Benefit (PWB)
Premium waiver benefit according to the applicable rider conditions.
Critical Illness Benefit (CI)
Critical illness benefit according to specified rider conditions.
Loan & liquidity
- Policy loan
- Available
- Loan facility
- Up to 90% of surrender value
Premium
Quote on request