Tailored for individuals facing higher risk exposure with comparatively lower income, this plan includes an inherent additional death coverage feature. In the event of natural death, the beneficiary receives double the sum assured, and in the case of accidental death, triple the sum assured is provided.
Eligibility Criteria
- Minimum Sum Assured: 25,000/-
- Maximum Sum Assured: 1,000,000/-
- Minimum Entry Age (Nearest Birthday): 18 years
- Maximum Entry Age (Nearest Birthday): 60 years
- Maximum Maturity Age: 70 years
- Minimum Policy Term: 10 years
- Maximum Policy Term: 52 years
Benefits/Special Features
- Death Benefit: Two Times the Sum Assured plus Bonus Declared and Vested.
- Survival till Maturity Benefit: One Times the Sum Assured plus Bonus Declared and Vested.
Rider Benefits
- Accidental Death Benefit (ADB): Additional amount equal to sum assured or 1,00,00,000/-, whichever is lower.
- Permanent Total Disability (PTD): Sum assured or 1,00,00,000/-, whichever is lower payable in 120 monthly installments; Should the remaining term to maturity be less than 120 months, the balance installment will be paid in lump sum on maturity or at death, if earlier.
- Premium Waiver Benefit (PWB): All the future premiums after the date of PTD due to accident will be waived.
- Critical Illness (CI): On onset of any of the CI provided by the company, Additional amount equal to sum assured or 50,00,000/-, whichever is lower.
Premium Payment Mode/Structure
- Mode: Yearly/Half-Yearly/Quarterly
Discounts/Rebate
| Sum Assured Band |
Premium Rebate (per thousand) |
| 100,000 to 199,999 |
NRe 0.50 |
| 200,000 onwards |
NRe 1 |
| Frequency of Payment |
Premium Adjustment |
| Yearly |
Less 2% |
| Half yearly |
Less 1% |
| Quarterly |
Nil |
| Monthly |
Add 5% |
Approval Date : 2074/06/28
-1731404065.jpeg)
