SuryaJyoti Dhanbridhi Jeevan Beema (Agreem Bhuktani)

“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.

Plan Features: Criteria

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	16 years
Maximum age at entry	55 years
Maximum Age at Maturity	70 years
Mode of Premium Payment	Yearly, Half yearly, Quarterly

Basic Benefits:

•       From the date of commencement of Policy	•       15yrs. Plans	•       20yrs.Plans	•       25yrs.Plans
•       After Completion of 4yrs from Commencement	•       30% of SA	•       25% of SA	•       20% of SA
•       After Completion of 8yrs from Commencement	•       30% of SA	•       25% of SA	•       20% of SA
•       After Completion of 12yrs from Commencement	•       40% of SA	•       25% of SA	•       20% of SA
•       After Completion of 15yrs from Commencement	•       At Maturity - Bonus Only	•       25% of SA	•       20% of SA
•       After Completion of 18yrs from Commencement	•       -	•       -	•       20% of SA
•       After Completion of 20yrs from Commencement	•       -	•       At Maturity - Bonus Only	•       -
•       After Completion of 25yrs from Commencement	•       -	•       -	•       At Maturity - Bonus Only

•  Fixed percentage of sum assured will be refunded in following manner:
• In case of death before policy maturity,
For Single Payment: 2.5 Times Full Sum Assured plus Bonus without deducting survival benefits already paid as per benefit schedule above.
For Regular Payment: Full Sum Assured plus Bonus without deducting survival benefits already paid as per benefit schedule above.

Optional Rider Benefits

With payment of additional premium, following additional benefits can be taken:

• Accidental Death Benefit (ADB) Only:
  In case of death due to accident, additional benefit equal to basic sum assured or maximum Rs. 1,00,00,000 whichever is less is payable to the beneficiary of assured.
• Accidental Death Benefit, Accidental Total Permanent Disability, Premium Waiver Benefit – ADB, TPD & PWB:
  Total coverage amount under this benefits will be equal to basic sum assured or Maximum Rs. 1,00,00,000 whichever is less. In case of death due to accident, an additional benefit equal to basic sum assured is payable to the beneficiary. Due to the accident if insured become total and permanently disabled, an additional benefit equal to basic sum assured is payable in 120 instalments monthly and all future payable premium will be waived.
• Critical Illness Benefit:
  In case life assured is diagnosed with mentioned 18/35 defined critical illness, lump sum amount equal to basic sum assured or maximum up to Rs. 50,00,000 will be paid to the insured.

Criteria: Min Entry age: 18, Max Entry age: 55 yrs, Max policy Term 20 yrs, Max policy maturity age: 60 yrs, Maximum coverage: Rs. 50,00,000.

18 Diseases:

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