Bal Umang Chhori Beema Lekh
Child
About this plan
Rastriya Jeewan Beema's Bal Umang Chhori Beema Lekh — a child-focused life insurance plan.
What's included
Key highlights
- Child life insurance plan
- Minimum Sum Assured 50000
- Minimum entry age (Child) 1 year
Features
- Savings-oriented child life plan to secure a child's future
- Death benefit payable
- Maturity benefits likely (depending on participating/bonus declarations)
- Surrender value is available after three full years of premium payments and three years from the policy commencement
Eligibility & term
- Entry age
- 1 – 15 years
- Policy term
- 15 years
- Premium modes
- Yearly, Half-yearly, Quarterly, Monthly
Benefits payout
- Death benefit
- Sum Assured (details not specified on page)
- Maturity benefit
- Sum Assured + Bonus (if participating)
Declared bonus
Term-wise Breakdown
FY 2083/84
| Tenure (Years) | Rate (per '000) |
|---|---|
| 15 | Rs. 60 |
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)
No optional riders are attached to this plan.
What's not covered
- Suicide clause (typically within first 1–2 years)
- War, terrorism, and nuclear perils
- Pre-existing conditions subject to waiting period
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