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NEW BIMA KIRAN

'NEW BIMA KIRAN' is a new plan with effect from 18th February, 2002. This replace the existing plan - 'BIMA KIRAN'.

This plan is suitable for young men and women who wish to provide family protection at an affordable premium, i.e. maximum coverage plan with minimum outlay. As compared to Bima Sandesh, this plan offers loyalty additions and a free insurance cover and a built in accident benefit.

• Death Benefits: Full Sum Assured with Loyalty Additions, if any, on the unfortunate death during the term.
• Accident Benefit:
  • On death due to accident: Full Sum Assured with in addition to the Basic Sum Assured.
  • On disability due to accident: The amount equal to Sum Assured divided to monthly installments spread over a period of 10 years (to be paid for 120 months). Waiver of premiums payable in the future.
  • The Maximum Accident Benefit available on this plan will be upto Rs.5,00,000/-. This will be exclusive of the overall maximim limit of Rs.10,00,000/- in aggregate placed on other existing policies.
• Maturity Benefit: A Sum equal to total amount of premiums paid (including accident premium but excluding other extra of any) chall become payable on surviving the term.
• Loyalty Addition: Loyalty addition will be paid along with death or maturity benefits, provided the policy is in force. This will depend on the future experience of the Corporation with regard to mortality, interest and expenses based on the term and duration of the policy. No Loyalty addition will be payable in case of death in the first 4 policy years.
• Extended Term Covert: On survival of the term, an Extended Term cover (without accident benefit) shall be available thereafter for a period of 10 years on the following scale:
  

  POLICY TERM	EXTENDED TERM COVER (per thouseand)
  10-14 years	Rs.200/-
  15-19 years	Rs.300/-
  20-24 years	Rs.400/-
  25-29 years	Rs.500/-
  30 years	Rs.600/-

Restrictions