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JEEVAN
BHARATI
(An Exclusive Money Back Plan for Woman -
Save for Safety and Security)
'JEEVAN
BHARATI' has been specially designed for Woman. It
covers the security for Critical Illness and Congenital
Disabilities.
Salient
Features
-
Survival Benefit: Survival benefits will be paid as
given below:
|
15
years
|
20
years
|
| After
5 years |
20%
of SA |
20%
of SA |
| After
10 years |
20%
of SA |
20%
of SA |
| After
15 years |
60%
of SA + GA + Bonus |
20%
of SA |
| After
20 years |
-
|
40%
of SA + GA + Bonus |
- Maturity
Benefit:
- For
policy term of 15 years: 60% of the sum assured
along with vested Guaranteed Additions and reversionary
bonuses, as declared, will be paid.
- For
policy term of 20 years: 40% of the sum assured
along with vested Guaranteed Additions and reversionary
bonuses, as declared, will be paid.
- Death
Benefit:
-
On death in the first 5 policy years: An amount
equal to the Basic Sum Assured, along with Guaranteed
Additions will be paid.
- On
death after first 5 policy years: An amount equal
to the Basic Sum Assured along with vested Guaranteed
Additions and reversionary bonuses, as declared, will
baid.
- Female
Critical Illness (FCI) Benefit: An amount equal to
the Sum Assured (Subject to a maximum of Rs.2,00,000/-)
will be payable on the occurrence of any one of the following
Criticalillnesses:
-
Breast Cancer
-
Overian/Fallopian Tube Cancer
-
Cervical Cancer
- Uterine
Cancer
- Vaginal/Vulval
Cancer
- Congenital
Disabilities Benefit (CDB) Benefit: An amount equal
to 50% of the Sum Assured (subject to a maximum of Rs.1,00,000/-)
will be payable under the plan on the birth of the child
with any one or more of the Congenital Disabilities listed
below. This benefit is available for two children only and
will not be payable if the birth of the child occurs after
the proposer attains the age of 40 years. This benefit will
be payable only if age at entry is upto 35 years.
- Downs
Syndrome
- Spina
Bifida
- Tetralogy
of fallot
- Oessophageal
Atresia & Tracheo-oesophageal Fistula
- Anal
Atresia
- Imperforate
anus
- Cleft
Palate with or without Cleft Lip
- Guaranteed
Additions During the first 5 years: Rs.50/- per thousand
of Basic Sum Assured during the first 5 years of a policy.
These will be paid on death or maturity.
- Bonuses
after the first 5 years: Reversionary bonuses payable
after the end of first 5 years, and will be paid on death
or maturity.
- Free
Insurance Cover:
If two years premiums have been paid full death cover (irrespective
of survival benefit payments made) will be admissible for
a period of three years from the date of first unpaid premium.
However, claims under the Female Critical Illness benefit,
Congenital Disability Benefit and Accident Benefit will
not be admissible during the period.
- Encashment
of survival Benefits as and when needed: Survival benefit
if not availed increased SB will be payable @ 4% p.a. compunding
yearly for complete number of months.
- Accident
and Disability Benefit (optional): @ Rs.1/- per thousand
Sum Assured. Maximum limit of Rs.25,00,000/- inclusive of
all LIC of india plans.
- Flexibility
to pay premiums in advance: Flexibility to pay the next
yearly premium in advance (in maximum three instalments).
Will be eligible foa a premium rebate of @4% p.a.
- Option
to receive Maturity Benefits in the form of an annuity:
The immediate annuity rates prevalent at the time of maturity
will be applicable.
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