This plan is basically for high net worth individuals which we called HNIs.
This plan is basically for high net worth individuals which we called HNIs.
It is a non linked, with profits, limited premium payment money back life insurance plan especially designed for High Net-worth Individuals. This plan provides lump sum financial support to family in case of death but also provides payment in case of diagnosis of specified critical illness.
It gives you lump sum amount in case of death during policy term and incase of survival, survival benefit amount is payable on Term – 4 Years, Term – 2 Years and on completion of Term.
On diagnosis of any specified critical illness diseases, 10 % of Basic Sum Assured will be payable with an option to defer premium payment for next 2 policy term without any interest. Also FREE Second Medical Opinion Option is available.
Policy is eligible for guaranteed bonus at the rate of Rs. 50.00 per thousand per year during first 5 policy term and thereafter at the rate of Rs. 55.00 per thousand per year
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Standalone Additional Accident Benefit Maximum of Rs. 1,00,00,00/- is allowed other than regular accidental benefit under other policies.
| Minimum | Maximum |
Age at Entry | 18 Years Completed | 55 Years for Policy Term 14 Years 51 Years for Policy Term 16 Years 48 Years for Policy Term 18 Years 45 Years for Policy Term 20 Years |
Sum Assured | Rs 1,00,00,000 | No Limit |
Policy Term | 14 Years 16 Years 18 Years 20 Years | |
Premium Paying Term | Policy Term – 4 Years | |
Maturity Age | 69 Years for Policy Term 14 Years 67 Years for Policy Term 16 Years 66 Years for Policy Term 18 Years 65 Years for Policy Term 20 Years | |
Mode of Payment | Yearly, Half Yearly, Quarterly, Monthly (NACH), SSS | |
The Basic Sum Assured shall be in Multiples of Rs. 5,00,000 / -
| Minimum | Maximum |
Age at Entry | 18 Years Completed | 55 Years for Policy Term 14 Years 51 Years for Policy Term 16 Years 48 Years for Policy Term 18 Years 45 Years for Policy Term 20 Years |
Sum Assured | Rs. 10,000 | Rs 1,00,00,000 |
Cover Ceasing Age | At the End of Policy Term | |
The Double Accident Sum Assured shall be in Multiples of Rs. 10,000 / -
| Minimum | Maximum |
Age at Entry | 18 Years Completed | 55 Years for Policy Term 14 Years 51 Years for Policy Term 16 Years 48 Years for Policy Term 18 Years 45 Years for Policy Term 20 Years |
Sum Assured | Rs 1, 00,000 | Rs. 25,00,000 |
Cover Ceasing Age | At the End of Policy Term | |
The Term Assurance Sum Assured shall be in Multiples of Rs. 5,000 / -
| Minimum | Maximum |
Age at Entry | 18 Years Completed | 55 Years for Policy Term 14 Years 51 Years for Policy Term 16 Years 48 Years for Policy Term 18 Years 45 Years for Policy Term 20 Years |
Sum Assured | Rs 1,00,000 | Rs. 25,00,000 |
Cover Ceasing Age | At the End of Policy Term | |
The Critical Illness Sum Assured shall be in Multiples of Rs. 25,000 / -