Bhagyodaya Jeevan Beema
About this plan
Bhagyodaya Jeevan Beema is a single-premium endowment assurance plan: pay once at inception to secure savings plus life coverage for the policy term. It provides guaranteed maturity benefit, death benefit with declared bonuses, and optional riders.
What's included
Key highlights
- Guaranteed maturity payout
- Death benefit includes declared bonuses
- Entry age 18–65, max maturity age 70
Features
- Single premium payment (pay once)
- Guaranteed maturity benefit (sum assured + accrued bonuses)
- Comprehensive death benefit (sum assured + declared bonuses)
- Optional riders available
- Simple, lifetime security during policy term
Eligibility & term
- Entry age
- 18 – 65 years
- Policy term
- 5 – 52 years
- Premium modes
- Single
Benefits payout
- Death benefit
- Sum Assured + declared bonuses
- Maturity benefit
- Sum Assured + accrued bonuses
Declared bonus
Term-wise Breakdown
FY 2081/82
| Tenure (Years) | Rate (per '000) |
|---|---|
| 0-14 | Rs. 33 |
| 15-19 | Rs. 36 |
| 20-24 | Rs. 55 |
| 25-29 | Rs. 60 |
| 30 and above | Rs. 70 |
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
Accident and Disability Benefit (ADB/PTD)
Additional payout on accidental death or permanent disability (available for an extra premium)
Premium Waiver Benefit (PWB)
Premium waiver on the proposer's death or in defined circumstances (depends on the rider chosen)
Critical Illness
Additional benefit up to the limit for specified critical illnesses (as per rider terms)
What's not covered
- Death by suicide
- Loss related to war, internal instability or criminal acts
- Pre-existing condition limits (as specified in the policy)
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