IME Dhan Sarita Plus Jeevan Beema Yojana
Money-back
About this plan
Pays 5% of Sum Assured annually on each policy anniversary. Death benefit: Full Sum Assured plus vested bonus. Survival benefit: 5% of SA each year; on maturity remaining SA plus vested bonus is paid. Flexible premium payment terms (Regular, Single, Limited). Optional riders available. Minimum Sum Assured NPR 400,000.
What's included
Key highlights
- 5% annual survival benefit
- Full Sum Assured + Vested Bonus on death
- Minimum Sum assured NPR 400,000
- Flexible premium payment terms (Regular/Single/Limited)
Features
- Pays 5% of Sum Assured annually on each policy anniversary
- Death benefit: Full Sum Assured + Vested Bonus
- Maturity: Remaining Sum Assured (after prior annual survival payments) + Vested Bonus
- Loan facility available (after policy acquires surrender value)
- Tax benefits
- Optional riders: Accidental Death, Income Benefit, Premium Waiver, Funeral Expenses, Critical Illness (21 illnesses, up to specified limits)
Eligibility & term
- Entry age
- 18 – 65 years
- Policy term
- 5 to 20 years
Declared bonus
Term-wise Breakdown
FY 2080/81
| Tenure (Years) | Rate (per '000) |
|---|---|
| 0-30 | Rs. 22 |
Reversionary bonus rates declared for the latest fiscal year based on policy term. Rates are revised annually and are not guaranteed for future years.
Optional riders
Accidental death (ADB)PTD / PWBCritical illness (CI)
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