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:

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)

1. Accidental Death Benefit: For additional premium, on the event of death of the life assured during the rider policy term due to accident before age 70 years, an additional sum equal to the Rider Sum Assured of this rider will be paid.
2. Income Benefit (IB): In the event of permanent total disability of life assured due to any cause (sickness or accident) during policy term, a regular Monthly Income Benefit of 1.0% or 1.5% or 2.0% or 3.0% of Rider Sum Assured (as mentioned in policy schedule of policy taken), OR, Quarterly Income Benefit (QIB) 3.0% or 4.5% or 6.0% or 9.0% of Rider Sum Assured (as mentioned in policy schedule of policy taken) will be paid on every monthly/quarterly date of anniversary of the rider from the date of disability of the life assured up to the end of the rider term (policy maturity).
3. Lump-Sum Benefit: In the event of permanent total disability of life assured due to any cause (sickness or accident) during policy term, a lump-sum amount equal to Rider Sum Assured will be payable.
4. Premium Waiver Benefit (PWB): On the event of permanent total disability of the life assured due to any cause (accident or sickness) during the policy term to which the rider is attached, all future premiums payable under the base policy equal to Sum Assured of this rider shall be waived.
5. Funeral Expenses: On the event of death of life assured during the policy term to which the rider is attached, lump sum amount equal to 25% of Sum assured or 200,000 whichever is less will be paid immediately.
6. Critical Illness Rider (CI): Upon, life assured, being diagnosed with onset of any of the listed 21 Critical Illness during the term of policy, a lump sum amount equivalent to the Sum Assured of the rider will be paid. Sum Assured of CI rider is maximum Rs. 5,000,000/- or Basic SA or as determined by Underwriting Guidelines.

    

   *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