“SuryaJyoti Dhanbridhhi Jeevan Beema (Agreem Bhuktani)” is money back plan under with fixed percentage of sum assured will be refunded after completion of certain period. Under this plan, premium can be paid as single lumpsum payment or up to certain years only and full insurance coverage will be provided till the policy maturity date.
Minimum Sum Assured | NRs. 100,000/- |
Maximum Sum Assured | Based on Income |
Policy Term | 15/20/25 years |
Premium Pay Term | 1 or 12 years for 15 years policy term, 1 or 15 years for 20 years policy term, 1 or 18 years for 25 years policy term |
Minimum age at entry | 18 years |
Maximum age at entry | 55 years |
Maximum Age at Maturity | 70 years |
Mode of Premium Payment | Yearly, Half yearly, Quarterly |
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From the date of commencement of Policy |
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15yrs. Plans |
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20yrs.Plans |
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25yrs.Plans |
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After Completion of 4yrs from Commencement |
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30% of SA |
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25% of SA |
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20% of SA |
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After Completion of 8yrs from Commencement |
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30% of SA |
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25% of SA |
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20% of SA |
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After Completion of 12yrs from Commencement |
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40% of SA |
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25% of SA |
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20% of SA |
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After Completion of 15yrs from Commencement |
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At Maturity - Bonus Only |
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25% of SA |
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20% of SA |
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After Completion of 18yrs from Commencement |
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- |
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- |
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20% of SA |
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After Completion of 20yrs from Commencement |
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- |
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At Maturity - Bonus Only |
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- |
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After Completion of 25yrs from Commencement |
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- |
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- |
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At Maturity - Bonus Only |
With payment of additional premium, following additional benefits can be taken:
1. Cancer of Specified Severity.
2. Kidney failure requiring Regular dialysis.
3. Multiple Sclerosis with persisting symptoms.
4. Major organ/Bone Marrow transplants(as recipient).
5. Open Heart Replacement or Repair of Heart valves.
6. Open chest CABG ( Coronary Artery by-pass graft ).
7. Permanent paralysis of Limbs.
8. Myocardial infarction ( First Heart Attack of specific Severity).
9. Stroke Resulting in Permanent Symptoms.
10. Benign Brain Tumor.
11. Alzheimer's Disease.
12. Coma of specified severity.
13. End Stage Liver failure.
14. Parkinson's disease.
15. Aorta Graft surgery.
16. Third degree burns.
17. Deafness.
18. Loss of speech.
First Policy Issue Date : 25-04-200