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. If you are ever unable to keep paying, the plan carries on by itself and your child still receives the full amount when the term ends. Child-focused life insurance plan intended to provide maturity benefits to support a child's education.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 15-19 | Rs 60 | Rs 60 |
Recent years
- FY 2081/82
- Rs 60/ 1,000
- FY 2080/81
- Rs 60/ 1,000
- FY 2079/80
- Rs 65/ 1,000
- FY 2078/79
- Rs 65/ 1,000
- FY 2077/78
- Rs 65/ 1,000
Source: राष्ट्रिय जीवन बीमा कम्पनी 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
- बाल केन्द्रित योजना
- शैक्षिक परिपक्वता लाभ
- प्रस्तावकको मृत्युमा प्रीमियम माफ (यदि लागू)
Features
- बाल लक्षित जीवन बीमा
- शैक्षिक परिपक्वता लाभ (म्याच्युरिटी)
- दीर्घकालीन बचत / सुरक्षा
Terms and conditions
- 1)Risk Commencement Date:
- The risk coverage will commence from the later of: The policy anniversary date on which the insured attains 6 years of age, or The completion of 2 years from the date of commencement of the policy
- 2)Maturity Benefit:
- If the insured survives till the end of the policy term and the policy remains in force, the sum assured along with the accrued bonus will be paid.
- Risk Coverage: Mandatory risk coverage of the proposer (guardian) as well
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. Most child plans are written on the parent's life, so see the next case for how the child is protected.
Typical for child plans — confirm the exact terms in the brochure.
If the policy runs to maturity
The child receives the sum assured plus the bonus built up to that date, timed to the age set when the policy was taken out.
Typical for child plans — confirm the exact terms in the brochure.
Optional riders
बीमाशुल्क तिर्नु नपर्ने सुविधा
बीमाशुल्क तिर्नु नपर्ने सुविधा अतिरिक्त पूरक करारको रूपमा उपलब्ध छ।
मासिक आम्दानी सुविधा
मासिक आम्दानी सुविधा अतिरिक्त पूरक करारको रूपमा उपलब्ध छ।
पूर्ण स्थायी अशक्तता सुविधा
पूर्ण स्थायी अशक्तता सुविधा अतिरिक्त पूरक करारको रूपमा उपलब्ध छ।
Premium Waiver Benefit
Premium waiver benefit is available as an additional rider facility.
Monthly Income Benefit
Monthly income benefit is available as an additional rider facility.
Permanent Total Disability
Permanent Total Disability benefit is available as an additional rider facility.
Premium
Quote on request