SajiloBima

Group Term Assurance Plan for Affinity Groups

by सानिमा रिलायन्स लाइफ इन्स्योरेन्स

Term
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3.8% market share100.0% claims settledEst. 2023

This is pure cover: it pays your family if something happens during the term, and there is no amount paid back at the end. Group term assurance for affinity groups — a group term life policy paying the member's sum assured to the nominee on death. No maturity benefit.

What's included

Key highlights

  • न्यूनतम सुम: रु. 10,000
  • अधिकतम सुम: रु. 5,000,000
  • प्रवेश उमेर: 18–70 वर्ष
  • न्यूनतम समूह: 10 सदस्य
  • राइडर उपलब्ध
  • वार्षिक प्रिमियम मोड

Features

  • मृत्यु लाभ: सदस्यको सुम एश्योर्ड लाभार्थीलाई भुक्तानी
  • म्याच्युरिटी लाभ: लागु हुँदैन
  • राइडर विकल्प: आकस्मिक मृत्यु, स्थायी पूर्ण अपाङ्गता, स्थायी आंशिक अपाङ्गता, अन्त्येष्टि भत्ता
  • न्यूनतम समूह आकार: 10 सदस्य
  • सुम एश्योर्ड दायरा रु.10,000 देखि रु.5,000,000
  • प्रवेश उमेर: 18–70 वर्ष
  • नीतिअवधि: 1 महिना देखि 30 महिना
  • प्रिमियम भुक्तानी मोड: वार्षिक

सानिमा रिलायन्स लाइफ इन्स्योरेन्स’s page for this plan

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.

  1. If the insured passes away during the term

    This plan states: Sum Assured payable to nominee/beneficiary

  2. If the policy runs to maturity

    This plan states: Not applicable

  3. If death is caused by an accident

    This plan states: Optional up to NPR 5,000,000

Optional riders

Accidental death (ADB)PTD / PWBCritical illness (CI)

  • दुर्घटना मृत्यु लाभ (ADB)

    पोलिसीमा छनोट गरिएको थप रकम, अधिकतम रु. ५०,००,००० सम्म।

  • स्थायी पूर्ण अशक्तता लाभ (PTD)

    पोलिसीमा छनोट गरिएको थप रकम, अधिकतम रु. ५०,००,००० सम्म।

  • स्थायी आंशिक अशक्तता लाभ (PPD)

    पोलिसीमा छनोट गरिएको थप रकम, अधिकतम रु. ५०,००,००० सम्म।

  • अन्त्येष्टि लाभ

    सदस्यको बीमाङ्क रकमको ४०% सम्म, अधिकतम रु. ५०,००० सम्म।

  • Accidental Death Benefit (ADB)

    Additional amount as opted in the policy, subject to a maximum of NPR 5,000,000.

  • Permanent Total Disability Benefit (PTD)

    Additional amount as opted in the policy, subject to a maximum of NPR 5,000,000.

  • PPD Benefit

    Additional amount as opted in the policy, subject to a maximum of NPR 5,000,000.

  • Funeral Benefit

    Up to 40% of member sum assured subject to a maximum of NPR 50,000.

Loan & liquidity

Policy loan
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