SuryaJyoti Sajeelo Bhuktani Jeevan Beema

“SuryaJyoti Sajeelo Bhuktani Jeevan Beema” is a money-back plan under which fixed percentage of Sum Assured is refunded in every policy anniversary which can be adjusted during renewal premium payment. With these features, the policyholder can easily manage to pay reduced renewal premiums regularly and continue the insurance coverage. In case of death, the full sum assured will be paid to the beneficiary without deducting a refunded or adjusted amount.

Plan Features: Criteria

Minimum Sum Assured	NPR 500,000
Maximum Sum Assured	Based on Income
Minimum Policy Term	10 Yrs
Maximum Policy Term	20 Yrs
Minimum Entry Age	18 years
Maximum Entry Age	50 years
Maximum Maturity Age	60 Yrs
Mode of Premium Payment	Yearly, Half Yearly, Quarterly

Basic Benefits:

• Fixed Percentage of Sum Assured as Detail in table below is payable annually as survival benefit:

Policy Term	Option 1	Option 2	Option 3	Option 4
10 years	6.00%	5.00%	N/A	4.00%
11-15 years	N/A	5.00%	4.50%	4.00%
16 - 20 years	N/A	N/A	N/A	4.00%

• On the Maturity remaining percentage of Sum Assured and bonuses declared and vested in the policy will be paid to the beneficiary.

• In case of death during policy term, BASIC SUM ASSURED plus Bonus without deducting survival benefits will be paid to the beneficiary.

Optional Rider Benefits

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

• Accidental Death Benefit (ADB) Only:
  This benefit can be taken with payment additional Rs. 1 per thousand. 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:
  This benefit can be taken with payment of an additional Rs. 2.5 per thousand. 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 installments 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.

Policy Issue Date:   2018.01.08

Benefits and Coverages under this plan shall be based on the Terms and Conditions mentioned in the policy & rider documents and also shall be governed by the regulatory directives.