Myadi Laghu Sanyukta Jeevan Beema Yojana
One policy covers both partners, instead of buying two separate ones. Joint term life assurance for husband and wife under a single policy (term 2–5 years). On death of either life, the full sum assured plus 10% as funeral expenses is paid. Accidental total permanent disability pays full sum assured in 120 monthly instalments. No maturity benefit.
What's included
Key highlights
- सम्पूर्ण जीवन सुरक्षा (दुवै भागीदार)
- छोटो अवधिको म्यादी जीवन बीमा (2–5 वर्ष)
- अन्त्येष्टि १०% सहित मृत्यु लाभ
Features
- पति/पत्नी दुवैलाई एउटै योजनामा सुरक्षा
- अवधि: 2–5 वर्ष
- मृत्युमा पूर्ण बीमित रकम + 10% अन्त्येष्टि खर्च
- आकस्मिक पूर्ण स्थायी अपाङ्गतामा बीमित रकम 120 मासिक किस्तामा भुक्तानी
- परिपक्वता लाभ छैन
- प्रीमियम एकपटक (Single payment)
Terms and conditions
- 1) On survival to Maturity : No maturity benefit is paid
- 2) On death of either of the Lives, Full Sum Assured plus 10% of Sum Assured as Funeral Expenses is paid
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 either partner passes away during the term
This plan states: Full Sum Assured + 10% of Sum Assured as funeral expenses
If the policy runs to maturity
This plan states: No maturity benefit
Optional riders
स्थायी पूर्ण अशक्तता लाभ
दुर्घटनाजन्य स्थायी पूर्ण अशक्तता लाभ नीतिमा समावेश
अन्त्येष्टि खर्च लाभ
कुनै एक बीमितको मृत्युमा अन्त्येष्टि खर्च लाभ समावेश
Permanent Total Disability Benefit
Accidental total permanent disability benefit is included in the policy
Funeral Expense Benefit
On death of either life assured, funeral expense benefit is included
Loan & liquidity
- Policy loan
- Not available
What's not covered
- Suicide (within waiting period as per company rules)
- War/terrorism/armed conflict
- Pre-existing conditions unless specifically accepted
Premium
Quote on request