IME Dhan Sarita Plus Jeevan Beema Yojana pays 5% of the Sum Assured on an annual basis on each policy anniversary which ensures regular cash flow and risk coverage at the same time. This plan will assist you to meet your regular cash flow needs and provides you with protection coverage at the full sum assured. Plus, this plan allows you to choose from flexible premium payment terms from various options available.

• Minimum Sum Assured: NPR. 2,00,000/-
• Maximum Sum Assured: No Limit (Subject to Underwriting)
• Minimum Entry Age: 18 Years
• Maximum Entry Age: 65 Years
• Maximum Maturity Age: 70 Years
• Minimum Policy Term: 5 Years
• Maximum Policy Term: 20 Years
• Premium Payment Mode: Yearly/ Half-Yearly/ Quarterly/ Single
• Premium Payment Term: Regular, Single and Limited Payment are available.

Limited Payment as prescribed table below:

Policy Term Year	Premium Payment Term
10	5,8
15	5,10,12
20	5,10,15

  Benefit: Death Benefit

• On Death of Policyholder during the policy term, Full Sum Assured Plus Vested Bonus will be paid to nominee/beneficiary.

 

• Survival Benefit
  • On Survival to each policy anniversary given the policy is inforce, 5% of Sum Assured will be paid to Policyholder annually.
  • On Survival to Maturity, Remaining Sum Assured (After deducting survival benefits paid earlier) plus Vested Bonus will be paid to Policyholder.

 

• Loan Facility: After the policy acquires Surrender Value.
• Tax Benefits.

  Additional Rider Benefits (Optional Riders)

• Accidental Death Benefit (ADB)
• Premium Waiver Benefit (PWB)
• Income Benefit (IB)
• Lump-Sum Amount Benefit (LSB)
• Funeral Expenses (FE)
• Critical Illness (CI)

  *Terms and conditions apply.     The benefits and coverage provided under this plan are determined by the terms and conditions outlined in the policy and rider documents. In the event of any dispute arising under this policy, resolution will be in accordance with the provisions of the Insurance Act of 2079.   First Policy Issue Date: 14/05/2023