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हितलाभ

* मृत्यु हितलाभ : पालिसी अवधि के दौरान बीमित व्यक्ति की मृत्यु होने पर, मृत्यु पर बीमा राशि, निहित बोनस और एफएबी (यदि कोई हो) देय होगी।
   (मृत्यु पर बीमा धनराशि, मूल बीमा धनराशि के 125% या वार्षिक प्रीमियम के 7 गुना, जो भी अधिक हो देय होगा)।
   मृत्यु हितलाभ, मृत्यु की तारीख तक भुगतान किए कुल प्रीमियम के 105% से कम नहीं होगा।
* विद्यमानता हितलाभः 5, 10 और 15 वर्ष पूरे होने के बाद मूल बीमा धनराशि का गारंटीयुक्त 20%।
* परिपक्वता हितलाभः मूल बीमा राशि का गारटीयुक्त 40% निहित बोनस और एफएबी (यदि कोई हो) परिपक्वता की नियत तारीख पर देय होगा।
* इसमें वैकल्पिक दुर्घटना और अपंगता हितलाभ उपलब्ध है, बशर्ते कि रु. 1/- प्रति हजार एबीएसए के अतिरिक्त प्रीमियम का भुगतान किया गया हो.
   भले ही आयु कितनी भी हो। (पुलिस, पैरा मिलिटरी बल आदि में नियोजित कार्मिकों के लिए रु. 1.50 प्रति हजार ए. बी.एस.ए प्रति व्यक्ति) ।

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शर्ते एवं प्रतिबंध

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न्यूनतम अधिकतम
आयु
13 वर्ष पूर्ण 50 वर्ष निकटतम जन्मतिथि
पालिसी अवधि
20 वर्ष निर्धारित
प्रीमियम भुगतान अवधि
15 वर्ष निर्धारित
मूल बीमा राशि
1,00,000/- उसके बाद 5000 के गुणांक में
कोई सीमा नहीं
परिपक्वता आयु
70 वर्ष

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प्रीमियम भुगतान विधिः  वार्षिक, छमाही, तिमाही और मासिक (NACH) या मासिक (SSS)
प्रीमियम भुगतान विधि पर छूटः  वार्षिक 2%, छमाही -1% (दोनों तालिका प्रीमियम के अनुसार)

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उच्च बीमा राशि पर छूट

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मूल बीमा राशि सीमा
छूट (रुपयों में)
1,00,000 से 1,95,000
शून्य
2,00,000 से 4,95,000
 2.00 रु प्रति 1000 मूल बीमा राशि
5,00,000 और उससे अधिक
 3.00 रु प्रति 1000 मूल बीमा राशि

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* पूरे दो वर्ष तक सभी प्रीमियम भुगतान के बाद पालिसी गारंटीयुक्त अभ्यर्पण मूल्य, विशेष अभ्यर्पण मूल्य या प्रदत मूल्य (जो भी लागू हो), पाने की पात्र होगी ।
* ऋणः पूरे दो वर्ष के प्रीमियमों का भुगतान करने के बाद ऋण के पात्र। ऋण की मात्रा मुख्य परिपत्र में दिए गए चार्ट के अनुसार पालिसी की अवधि पर निर्भर करेगी।
* पुनचर्लनः पहले अप्रदत्त प्रीमियम (एफयूपी) की तारीख से 5 वर्ष के अंदर ।
* अनुग्रह अवधि तथा समनुदेशन नामांकन सुविधा, हमारी पिछली तालिका संख्या 75 के अनुसार उपलब्ध ।
यूएसपी: लचीले समूह, युवा समूह और प्रौढ़ आयु समूह के लिए आदर्श प्लान
* आवधिक प्राप्ति, जिसका प्रत्येक 5 वर्ष में पुनः निवेश किया जा सकता है या किसी आवश्यकता के लिए खर्च किया जा सकता है।
* सीमित प्रीमियम भुगतान देयता ।
* मृत्यु हितलाभ, मूल बीमा राशि से अधिक है।

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