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How the Policy can be structured to suit your
special needs appears below |
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Illustration |
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Age of Policyholder |
36 years |
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Age of spouse |
36 years |
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Period |
20 years |
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Basic Sum Assured |
Rs.400,000/= |
 Additional
life cover for 10 times the insured amount for himself/herself. |
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Additional
life cover for spouse up to 10 times the insured amount. |
Additional
accidental cover (death, total permanent disability, partial permanent
disability) for 20 times the insured amount for himself/herself and
spouse both. |
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Additional
Critical Illness cover up to 10 times the insured amount.
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Hospitalisation
Cash Plan for spouse and the child. |
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Benefits to the Policyholder: |
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Amount payable upon survival to maturity. |
Rs.600,000/= |
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Total amount payable in the event of death
before maturity. |
Rs.4,800,000/= |
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Amount payable in the event of accidental
death. |
Rs.13,600,000/= |
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Amount payable in the event of total and permanent
disablement due to accident as described in the policy.
(All subsequent premium will be waived). |
Rs.8,800,000/= |
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Payment in the event of permanent partial
disablement as described in the policy. A percentage of |
Rs.8,800,000/= |
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Critical illness benefit payable in accordance
with the policy. |
Rs.4,800,000/= |
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Reimbursement of Hospitalisation Expenses in a
given year. |
Rs.80,000/= |
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Free Cover during the Entire Lifetime(After
the Maturity Date) |
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In the event of natural death. |
Rs.80,000/= |
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In the event of accidental death. |
Rs.400,000/= |
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Reimbursement of Hospitalisation Expenses in
any year. |
Rs.80,000/= |
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Benefits to the Spouse: |
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Total amount payable in the event of death
before maturity. |
Rs.1,100,000/= |
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Amount payable in the event of accidental
death. |
Rs.3,100,000/= |
Amount payable in the event of total and
permanent disablement due to an accident as described in the policy.
Future premium for the Spouse cover will be waived. |
Rs.2,000,000/= |
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Payments in the event of permanent partial
disablement as described in the policy - a percentage of |
Rs.2,000,000/= |
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Critical illness benefit payable in accordance
with the policy. |
Rs.1,100,000/= |
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Daily benefit payable per day spent in
hospital. |
Rs.4,000/= |
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(The policy has to be in force for at least 90
days, payments will be made from the 4th day onwards for 50
days). |
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Benefits for the Child/Children: |
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Daily benefit payable per day spent in
hospital. |
Rs.4,000/= |
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Premium |
Amount |
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Annual |
133,905/- |
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Half yearly |
68,961/- |
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Quarterly |
35,150/- |
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Monthly |
12,051/- |
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The
annual premium payable for different ages are given below
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Age of Insured Spouse |
Premium |
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25/25 |
Rs.91,155/= |
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30/30 |
Rs.105,940/= |
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40/40 |
Rs.166,015/= |
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45/45 |
Rs.215,430/= |
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50/50 |
Rs.273,055/= |
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