Aluminium foils availabe in bulk qty
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Saturday, May 7, 2016
Tuesday, February 16, 2010
MEDICLAIM POLICY
Mediclaim Policy
1. Salient Feature2. Scope of Cover3. Additional Features4. Exclusions
1. Salient Feature Hospitalisation for illness, disease or accident, whether including surgery or not, imposesheavy financial burden on individuals, families, employers and welfare bodies.
2. Scope Of Cover Mediclaim insurance policy has been devised under the aegis of the Government of India.The policy provides the following benefits. 1) Reimbursement of hospitalisation expenses which are reasonably and necessarily incurred,under the following heads: a) Room, boarding expenses as provided by the hospital/nursing home. b) Nursing expenses. c) Fees of surgeon, anaesthetist, medical practitioner, consultant and specialist. d) Expenses on account of anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, diagnostic material, X-ray, dialysis, chemotherapy, radiotherapy, cost of pacemaker, artificial limbs and cost of organs and similar expenses. 2) Introduction of Sub-Limits: The following provisions have been introduced: a. Room, Board and Nursing Expenses as provided by the Hospital /Nursing Home- RoomRent limit : 1 % of the Sum Insured per day subject to maximum of Rs.5000./-. I.C. Unit expenses : 2 % of Sum Insured per day subject to maximum of Rs. 10,000/-. Over all limits under this head : 25% of S.I. per illness.b.Surgeon, Anesthetist, Medical Practitioner,Consultants Special fees – maximum limits per illness – 25% of S.I.c.Anesthesia, Blood, Oxygen, OT charges, Surgical appliance, Medicines, drugs, Diagnostic Material & X-Ray, Dialysis, Chemotherapy, Radiotherapy, cost of pacemaker, artificial limbs and cost of stent and implant. Maximum limit per illness – 50% of Sum Insured.d. Ambulance services - 1% of the sum insured subject to maximum of Rs 1000/- provided registered ambulance is used for shifting patient from residence to hospital if admitted to ICU or emergency ward OR from one hospital to another subject to sub-limits under ‘c’ above.e.Hospitalization expenses of person donating an organ during the course of organ transplant will also be payable subject to the sub-limits under ‘c’ above. 3) Premium paid for the policy towards self, spouse, dependent children and dependent parentsare exempt from Income Tax under Sec. 80D of the l.T. Act. 4) Cost of Health Check Up and Cumulative Bonus - Benefits will accrue only if the Policy is a renewal of ‘National’.
3. Additional Features 1)Definition of Family:a)Self (Primary Insured).b)Spouse.c)Dependent Children (i.e. legitimate or legally adopted children). Children above 18 years, if employed, can not be covered. Male children, if not employed, but a bonafide student can be covered upto age of 25 years. Female children, if not employed, can be covered until the time she is married.d)Dependent parents. All members of the family must be covered under one policy. 2) Entry Age: This insurance is available to a person between the age of 18 to 59 years. However, the Policy can be renewed upto the age of 80 years as stipulated in the premium chart above. a) Children above the age of 3 months can be covered provided parents are covered concurrently and suitable premium is paid. If the child above 18 years is employed or if the girl child is married, he or she shall cease to be covered under the policy. However male child can be covered upto the age of 25 years if he is a bonafide regular student and fully dependent on primary insured. Female child can be covered upto the time, she is unmarried. b) If the insured has taken continuous Mediclaim insurance policy with us for at least 5 years prior to attaining the age of 80 years the policy can be renewed beyond the age of 80 upto the age of 90 years as a special case with the approval of Regional Incharge on case to case basis. The premium chargeable shall be 10% of the premium for 75-80 years age slabs for proposers above 85 and 20% of the premium for 75-80 age slabs for proposers above 90. c) No inclusion of family member during currency of policy is permissible except for a new born child between the age of 3 months to 6 months and newly married spouse within 60 days of marriage. Otherwise inclusion of family member shall be allowed only at the time of renewal. Prorata premium shall be charged for such inclusion during the currency of the policy for the unexpired period. 3) Sum Insured: Minimum sum insured shall be Rs 50,000/- and can be increased in multiples of Rs 25,000/-upto Rs 5 lacs. The sum insured must be identical for primary insured and the dependents. However, the children may be covered for 50% Sum Insured as per item no. 2 above. 4)TPA option: The premium includes cashless facility through TPA. If the policyholder does not require cashless facility then 6% discount on premium may be given. 5)Pre -Acceptance Health Checkup: Pre acceptance health check-up is mandatory when age is 50 years and above and he/she is seeking insurance cover for the first time as an individual or as member of a family where there is break in Insurance increase in sum insured on renewal. Proposer/Insured Person will be required to undergo the following Medical Check-up or any other medical test as required by the Company either on his/her own or from its authorized Network Diagnostic Centre in prescribed format. The cost shall be borne by the insured.
Age (in years)
50 and above
MEDICAL TEST
PHYSICAL EXAMINATION
BLOOD
URINE SUGAR
BLOOD PRESSURE
ECHO CARDIOGRAPHY
EYE CHECK UP INCLUDING RETINOSCOPY If the insured was covered under any Health Insurance Policy of ‘National’ uninterruptedly for preceding 3 years, no pre-acceptance Medical check up is required.
4. Exclusions The most important exclusion relates to pre-existing illness. If the insuring person had a healthcondition, existing prior to taking the policy, which required medical treatment, the same gets automatically excluded in the policy. To ensure that in subsequent renewals medical conditionsincepting since the policy was taken do not get excluded, the insuring person must renew the policywithout break. The other exclusions for illustrative purposes are :- a) Exclusion of certain named diseases in the first year of the policy. b) Congenital external disease, sterility, venereal disease, intentional self-injury, use of drugs,alcohol, rest cure etc. c) AIDS d) Charges primarily for diagnostic, laboratory examinations, and not related to any treatment inhospital. So also for vitamins and tonics unless prescribed for treatment. e) Dental treatment not requiring hospitaiisation. f) Treatment arising from or traceable to pregnancy, childbirth, including caesarean. g) Naturopathy treatment. EXCLUSION 4.a, 4.b & 4.c have been amended. Pre-existing diseases shall be covered after 4 continuous claims free Policy years with ‘National’. However, in case of exclusion 4.3, for renewals, existing condition shall apply, i.e. the one year exclusion applicable earlier shall be valid.
1. Salient Feature2. Scope of Cover3. Additional Features4. Exclusions
1. Salient Feature Hospitalisation for illness, disease or accident, whether including surgery or not, imposesheavy financial burden on individuals, families, employers and welfare bodies.
2. Scope Of Cover Mediclaim insurance policy has been devised under the aegis of the Government of India.The policy provides the following benefits. 1) Reimbursement of hospitalisation expenses which are reasonably and necessarily incurred,under the following heads: a) Room, boarding expenses as provided by the hospital/nursing home. b) Nursing expenses. c) Fees of surgeon, anaesthetist, medical practitioner, consultant and specialist. d) Expenses on account of anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, diagnostic material, X-ray, dialysis, chemotherapy, radiotherapy, cost of pacemaker, artificial limbs and cost of organs and similar expenses. 2) Introduction of Sub-Limits: The following provisions have been introduced: a. Room, Board and Nursing Expenses as provided by the Hospital /Nursing Home- RoomRent limit : 1 % of the Sum Insured per day subject to maximum of Rs.5000./-. I.C. Unit expenses : 2 % of Sum Insured per day subject to maximum of Rs. 10,000/-. Over all limits under this head : 25% of S.I. per illness.b.Surgeon, Anesthetist, Medical Practitioner,Consultants Special fees – maximum limits per illness – 25% of S.I.c.Anesthesia, Blood, Oxygen, OT charges, Surgical appliance, Medicines, drugs, Diagnostic Material & X-Ray, Dialysis, Chemotherapy, Radiotherapy, cost of pacemaker, artificial limbs and cost of stent and implant. Maximum limit per illness – 50% of Sum Insured.d. Ambulance services - 1% of the sum insured subject to maximum of Rs 1000/- provided registered ambulance is used for shifting patient from residence to hospital if admitted to ICU or emergency ward OR from one hospital to another subject to sub-limits under ‘c’ above.e.Hospitalization expenses of person donating an organ during the course of organ transplant will also be payable subject to the sub-limits under ‘c’ above. 3) Premium paid for the policy towards self, spouse, dependent children and dependent parentsare exempt from Income Tax under Sec. 80D of the l.T. Act. 4) Cost of Health Check Up and Cumulative Bonus - Benefits will accrue only if the Policy is a renewal of ‘National’.
3. Additional Features 1)Definition of Family:a)Self (Primary Insured).b)Spouse.c)Dependent Children (i.e. legitimate or legally adopted children). Children above 18 years, if employed, can not be covered. Male children, if not employed, but a bonafide student can be covered upto age of 25 years. Female children, if not employed, can be covered until the time she is married.d)Dependent parents. All members of the family must be covered under one policy. 2) Entry Age: This insurance is available to a person between the age of 18 to 59 years. However, the Policy can be renewed upto the age of 80 years as stipulated in the premium chart above. a) Children above the age of 3 months can be covered provided parents are covered concurrently and suitable premium is paid. If the child above 18 years is employed or if the girl child is married, he or she shall cease to be covered under the policy. However male child can be covered upto the age of 25 years if he is a bonafide regular student and fully dependent on primary insured. Female child can be covered upto the time, she is unmarried. b) If the insured has taken continuous Mediclaim insurance policy with us for at least 5 years prior to attaining the age of 80 years the policy can be renewed beyond the age of 80 upto the age of 90 years as a special case with the approval of Regional Incharge on case to case basis. The premium chargeable shall be 10% of the premium for 75-80 years age slabs for proposers above 85 and 20% of the premium for 75-80 age slabs for proposers above 90. c) No inclusion of family member during currency of policy is permissible except for a new born child between the age of 3 months to 6 months and newly married spouse within 60 days of marriage. Otherwise inclusion of family member shall be allowed only at the time of renewal. Prorata premium shall be charged for such inclusion during the currency of the policy for the unexpired period. 3) Sum Insured: Minimum sum insured shall be Rs 50,000/- and can be increased in multiples of Rs 25,000/-upto Rs 5 lacs. The sum insured must be identical for primary insured and the dependents. However, the children may be covered for 50% Sum Insured as per item no. 2 above. 4)TPA option: The premium includes cashless facility through TPA. If the policyholder does not require cashless facility then 6% discount on premium may be given. 5)Pre -Acceptance Health Checkup: Pre acceptance health check-up is mandatory when age is 50 years and above and he/she is seeking insurance cover for the first time as an individual or as member of a family where there is break in Insurance increase in sum insured on renewal. Proposer/Insured Person will be required to undergo the following Medical Check-up or any other medical test as required by the Company either on his/her own or from its authorized Network Diagnostic Centre in prescribed format. The cost shall be borne by the insured.
Age (in years)
50 and above
MEDICAL TEST
PHYSICAL EXAMINATION
BLOOD
URINE SUGAR
BLOOD PRESSURE
ECHO CARDIOGRAPHY
EYE CHECK UP INCLUDING RETINOSCOPY If the insured was covered under any Health Insurance Policy of ‘National’ uninterruptedly for preceding 3 years, no pre-acceptance Medical check up is required.
4. Exclusions The most important exclusion relates to pre-existing illness. If the insuring person had a healthcondition, existing prior to taking the policy, which required medical treatment, the same gets automatically excluded in the policy. To ensure that in subsequent renewals medical conditionsincepting since the policy was taken do not get excluded, the insuring person must renew the policywithout break. The other exclusions for illustrative purposes are :- a) Exclusion of certain named diseases in the first year of the policy. b) Congenital external disease, sterility, venereal disease, intentional self-injury, use of drugs,alcohol, rest cure etc. c) AIDS d) Charges primarily for diagnostic, laboratory examinations, and not related to any treatment inhospital. So also for vitamins and tonics unless prescribed for treatment. e) Dental treatment not requiring hospitaiisation. f) Treatment arising from or traceable to pregnancy, childbirth, including caesarean. g) Naturopathy treatment. EXCLUSION 4.a, 4.b & 4.c have been amended. Pre-existing diseases shall be covered after 4 continuous claims free Policy years with ‘National’. However, in case of exclusion 4.3, for renewals, existing condition shall apply, i.e. the one year exclusion applicable earlier shall be valid.
VARIOUS PLANS OF INSURANCE
Sub: INTRODUCTRY LETTER
Dear Sir,
I introduce myself as I am a LIC & General Insurance Agent. I request you to kindly enlist me in your service provider list so that I can give you better & timely service.
Product details are as below:
A National Insurance Co. Ltd.
1) Fire Insurance
2) Marine Insurance
3) Motor Insurance
4) Engineering Insurance
5) Householder’s Insurance
6) Mediclaim Insurance
7) Office Package Policy
8) Personal Accident Insurance (Individual)
9) Shopkeeper’s Insurance
10) Workmen’s Compensation Insurance
11) Overseas Mediclaim Insurance
LIC of India
1) Endoment Plan (with Profit)
2) Money Back (with Profit)
3) Jeevan Tarang (With Profit)
4) Child Carrier Plan
5) LIC ULIP PLAN Market + 1
LIC Housing Loan
If you have any enquiry kindly let me know so that I will provide you desired information.
Awaiting for your positive response.
Thanking you.
Sincerely yours
K.S. Rawat
(Insurance/Financial Advisor)
Dear Sir,
I introduce myself as I am a LIC & General Insurance Agent. I request you to kindly enlist me in your service provider list so that I can give you better & timely service.
Product details are as below:
A National Insurance Co. Ltd.
1) Fire Insurance
2) Marine Insurance
3) Motor Insurance
4) Engineering Insurance
5) Householder’s Insurance
6) Mediclaim Insurance
7) Office Package Policy
8) Personal Accident Insurance (Individual)
9) Shopkeeper’s Insurance
10) Workmen’s Compensation Insurance
11) Overseas Mediclaim Insurance
LIC of India
1) Endoment Plan (with Profit)
2) Money Back (with Profit)
3) Jeevan Tarang (With Profit)
4) Child Carrier Plan
5) LIC ULIP PLAN Market + 1
LIC Housing Loan
If you have any enquiry kindly let me know so that I will provide you desired information.
Awaiting for your positive response.
Thanking you.
Sincerely yours
K.S. Rawat
(Insurance/Financial Advisor)
LIC CHILD PLAN
MARRIAGE ENDOMENT/EDUCATIONAL
ANNUITY POLICY (TABLE 90)
This plan makes a provision for a sum assured to be kept aside for specific expenses like marriage & education of the children.
Under this plan whether the life assured survives the period or dies in between, the sum assured is payable only after the expiry of the term with full bonus. Further prems are not payable after death of the life assured but bonus will be added till maturity of the policy. In case of death by accident, D.A.B. is equal to the basic SA is payable immediately to the nominee, there after on maturity SA + Bonus is again paid to him.
MIN AGE: 18 YEAR
MAX AGE: 60 YEAR
MIN/MAX TERM 5/25 YEAR
MIN/MAX S.A. 50000/NO LIMIT
EXAMPLE: Suppose Mr. Amit has a daughter Kumari Shyama of 4 yrs. And for the marriage he takes a policy for 17 years for Rs. 1 Lac. He will get the Sum Assured + Bonuses at the end of 17 years if alive. In case of death the S.A. + Vested Bonuses are payable to the nominee of the Life Assured at the time of maturity but no further premiums from the date of death are payable to LIC and Bonuses will continue to be added to the policy account. However if death is due to accident, D.A.B. equal to the basic S.A. Rs. 1 Lac is payable immediately.
B.
JEEVAN KISHORE (TABLE 1020 WITH PROFIT
This is a policy on the life of children, both male & female between the age of 0 to 12 years last birthday.
MIN AGE: 0 YEAR
MAX AGE: 12 YEAR
MIN/MAX TERM 15/35 YEAR
MIN/MAX S.A. 50000/40 Lac
EXAMPLE: Mr. Amit Aged 40 yrs takes a policy on the life of his son Rama, aged 5 yrs. for 20 yrs term. He avails premium waiver benefit also and if he dies say after two years, no premium will be payable to LIC till Rama attains age of 18 yrs. The premiums under the policy are payable from 19th year to 25th year. In case Rama dies at his 19 years age, his nominee will receive Sum Assured + Bonus for 19 years.
C.
JEEVAN CHHAYA (TABLE 103)
This is a combination of Jeevan Mitra and Money back. The benefits are as under:
FIXED BENEFITS: i) 25% of the S.A. is payable under this policy each year during the
last 4 yrs of the policy term whether the L.A. survives or not.
ii) Bonus for full policy term on the full Sum Assured is payable on
maturity.
Death Benefits: During the policy term if L.A. dies an amount equal to Sum Assured is
payable immediately to the nominee. The fixed benefits as enumerated above will be payable in addition to the S.A. Bonus will be payable for the full policy term alongwith the last fixed benefit. Premiums under the policy are not payable from the date of death of the L.A. the special feature that if the child is upto 1 year , the non-medical business liberalized and person having standard age proof, aged upto 40 years can have insurance upto Rs. 3 Lacs without medical examination.
D.
KOMAL JEEVAN (TABLE 159)
This is a Money Back Plan for children.
BENEFITS
Maturity i) 20% of the S.A. is paid on each of the policy anniversary immediately
after the L.A attains the age of 18 & 20 years.
ii) 30% of the S.A. is paid on each of the policy anniversary immediately
after the L.A. attains the age of 22 & 24 years.
iii) Guaranteed addition @ Rs. 75/- per thousand sum assured per annum at
the end of each policy year will be added and paid on maturity i.e. when
the L.A. attains the age of 26 years or on death provided the risk has
commenced under the policy.
EXAMPLE: If Sunil takes a policy on his daughter’s aged 5 years for 2 lacs S.A. He also takes premium waiver benefit and avails term rider benefit.
1. The risk on the daughter’s life will start w.e.f 7 years.
2. In case Shri Sunil dies before his daughter’s age of 18 years; future premiums will be waived and under term rider benefit, a sum of
Rs. 40,000. will be payable to the daughter.
3. At the age of 18, the daughter will get 1st installment of Rs. 40,000. again Rs. 40,000. at age 20, Rs. 60,000 at age 22 and rs. 60,000. at age 24 gauranteed addition @ Rs. 75 per thousand for 21 years i.e. Rs. 3,15,000. at the age of 26 years. Loyalty addition may also be paid.
E.
Jeevan Tarang (with Profit) (Table 178)
This is a whole of life plan, which provides for annual survival benefit at a rate of 5.5% of the Sum Assured for life time after the chosen accumulation period. The plan offers three accumulation periods: 10, 15 and 20 years.
MIN AGE: 0 YEAR
MAX AGE: 60 YEAR
MAX LIFE COVER : 100 YEARS
MIN AGE AT THE END OF
ACCUMULATION PERIOD: 18 AGE
MIN/MAX S.A. 1 Lac/No Limit
ACCUMULATION PERIOD 10, 15, 20 YEARS
Survival Benefits: i) Bonus on survival to the end of the selected accumulation
period.
ii) 5.5% of the sum assured will be payable on survival to the
end of each year after the accumulation period.
Maturity Benefit : The sum assured alongwith loyalty addition, if any, will be payable on survival of the life assured to the policy anniversary coinciding with or immediately following the completion of 100 years of age.
Death Benefit:
i) During the accumulation period: Sum Assured + Bonus
ii) After the accumulation period: Sum Assured + Loyalty Additions
EXAMPLE: Mr. Hitesh aged 20 Years takes a policy for 2 lacs for an accumulated
period of 10 years for annual premium of Rs. 20,000. On survival to the
end of accumulation period (i.e. 10 years) he will get the bonus for Rs.
80,000. from 11th years he will get Rs. 11,000 (5.5% of 2 lacs) every year
till he survives.
ANNUITY POLICY (TABLE 90)
This plan makes a provision for a sum assured to be kept aside for specific expenses like marriage & education of the children.
Under this plan whether the life assured survives the period or dies in between, the sum assured is payable only after the expiry of the term with full bonus. Further prems are not payable after death of the life assured but bonus will be added till maturity of the policy. In case of death by accident, D.A.B. is equal to the basic SA is payable immediately to the nominee, there after on maturity SA + Bonus is again paid to him.
MIN AGE: 18 YEAR
MAX AGE: 60 YEAR
MIN/MAX TERM 5/25 YEAR
MIN/MAX S.A. 50000/NO LIMIT
EXAMPLE: Suppose Mr. Amit has a daughter Kumari Shyama of 4 yrs. And for the marriage he takes a policy for 17 years for Rs. 1 Lac. He will get the Sum Assured + Bonuses at the end of 17 years if alive. In case of death the S.A. + Vested Bonuses are payable to the nominee of the Life Assured at the time of maturity but no further premiums from the date of death are payable to LIC and Bonuses will continue to be added to the policy account. However if death is due to accident, D.A.B. equal to the basic S.A. Rs. 1 Lac is payable immediately.
B.
JEEVAN KISHORE (TABLE 1020 WITH PROFIT
This is a policy on the life of children, both male & female between the age of 0 to 12 years last birthday.
MIN AGE: 0 YEAR
MAX AGE: 12 YEAR
MIN/MAX TERM 15/35 YEAR
MIN/MAX S.A. 50000/40 Lac
EXAMPLE: Mr. Amit Aged 40 yrs takes a policy on the life of his son Rama, aged 5 yrs. for 20 yrs term. He avails premium waiver benefit also and if he dies say after two years, no premium will be payable to LIC till Rama attains age of 18 yrs. The premiums under the policy are payable from 19th year to 25th year. In case Rama dies at his 19 years age, his nominee will receive Sum Assured + Bonus for 19 years.
C.
JEEVAN CHHAYA (TABLE 103)
This is a combination of Jeevan Mitra and Money back. The benefits are as under:
FIXED BENEFITS: i) 25% of the S.A. is payable under this policy each year during the
last 4 yrs of the policy term whether the L.A. survives or not.
ii) Bonus for full policy term on the full Sum Assured is payable on
maturity.
Death Benefits: During the policy term if L.A. dies an amount equal to Sum Assured is
payable immediately to the nominee. The fixed benefits as enumerated above will be payable in addition to the S.A. Bonus will be payable for the full policy term alongwith the last fixed benefit. Premiums under the policy are not payable from the date of death of the L.A. the special feature that if the child is upto 1 year , the non-medical business liberalized and person having standard age proof, aged upto 40 years can have insurance upto Rs. 3 Lacs without medical examination.
D.
KOMAL JEEVAN (TABLE 159)
This is a Money Back Plan for children.
BENEFITS
Maturity i) 20% of the S.A. is paid on each of the policy anniversary immediately
after the L.A attains the age of 18 & 20 years.
ii) 30% of the S.A. is paid on each of the policy anniversary immediately
after the L.A. attains the age of 22 & 24 years.
iii) Guaranteed addition @ Rs. 75/- per thousand sum assured per annum at
the end of each policy year will be added and paid on maturity i.e. when
the L.A. attains the age of 26 years or on death provided the risk has
commenced under the policy.
EXAMPLE: If Sunil takes a policy on his daughter’s aged 5 years for 2 lacs S.A. He also takes premium waiver benefit and avails term rider benefit.
1. The risk on the daughter’s life will start w.e.f 7 years.
2. In case Shri Sunil dies before his daughter’s age of 18 years; future premiums will be waived and under term rider benefit, a sum of
Rs. 40,000. will be payable to the daughter.
3. At the age of 18, the daughter will get 1st installment of Rs. 40,000. again Rs. 40,000. at age 20, Rs. 60,000 at age 22 and rs. 60,000. at age 24 gauranteed addition @ Rs. 75 per thousand for 21 years i.e. Rs. 3,15,000. at the age of 26 years. Loyalty addition may also be paid.
E.
Jeevan Tarang (with Profit) (Table 178)
This is a whole of life plan, which provides for annual survival benefit at a rate of 5.5% of the Sum Assured for life time after the chosen accumulation period. The plan offers three accumulation periods: 10, 15 and 20 years.
MIN AGE: 0 YEAR
MAX AGE: 60 YEAR
MAX LIFE COVER : 100 YEARS
MIN AGE AT THE END OF
ACCUMULATION PERIOD: 18 AGE
MIN/MAX S.A. 1 Lac/No Limit
ACCUMULATION PERIOD 10, 15, 20 YEARS
Survival Benefits: i) Bonus on survival to the end of the selected accumulation
period.
ii) 5.5% of the sum assured will be payable on survival to the
end of each year after the accumulation period.
Maturity Benefit : The sum assured alongwith loyalty addition, if any, will be payable on survival of the life assured to the policy anniversary coinciding with or immediately following the completion of 100 years of age.
Death Benefit:
i) During the accumulation period: Sum Assured + Bonus
ii) After the accumulation period: Sum Assured + Loyalty Additions
EXAMPLE: Mr. Hitesh aged 20 Years takes a policy for 2 lacs for an accumulated
period of 10 years for annual premium of Rs. 20,000. On survival to the
end of accumulation period (i.e. 10 years) he will get the bonus for Rs.
80,000. from 11th years he will get Rs. 11,000 (5.5% of 2 lacs) every year
till he survives.
lic unit link plan " wealth plus"
LIC’s “Wealth Plus” is a Unit Linked Insurance Plan. Min age 10 Yrs, Max 65 yrs, Policy Term 8 years, PPT Single, 3 yrs, single min Rs. 40,000. regular 20,000. benefits fund value based on highest NAV over 1st 7 yrs. KS Rawat (LIC – AGENT) 9990263077
LIC & GENERAL INSURANE AGENT (9990263077)
WHY NEED LIFE INSURANEC:
A HUMAN BEING IS AN INCOME GENERATING ASSET. THESE ASSET ALSO CAN BE LOST THROUGH UNEXPECTEDLY EARLY DEATH OR THROUGH SICKNESS AND DISABILITIES CAUSED BY ACCIDENTS. BUT IF IT HAPPENS MUCH EARLIER WHEN THE ALTERNATE ARRANGEMENT ARE NOT IN PALCE, THERE CAN BE LOSSES TO THE PERSON AND DEPENDSTS ON THE INCOME ARE HELPED TO OVERCOME THEIR DIFICULLTIES BY INSURANCE.
LIC PLANS
1 ENDOMENTS
2. MONEY BACK
3. CHILD PLAN
4. ULIP PLAN
NATIONAL INSURANCE CO.
VEHICLE INSURANCE
BUILDING INSURANCE
A HUMAN BEING IS AN INCOME GENERATING ASSET. THESE ASSET ALSO CAN BE LOST THROUGH UNEXPECTEDLY EARLY DEATH OR THROUGH SICKNESS AND DISABILITIES CAUSED BY ACCIDENTS. BUT IF IT HAPPENS MUCH EARLIER WHEN THE ALTERNATE ARRANGEMENT ARE NOT IN PALCE, THERE CAN BE LOSSES TO THE PERSON AND DEPENDSTS ON THE INCOME ARE HELPED TO OVERCOME THEIR DIFICULLTIES BY INSURANCE.
LIC PLANS
1 ENDOMENTS
2. MONEY BACK
3. CHILD PLAN
4. ULIP PLAN
NATIONAL INSURANCE CO.
VEHICLE INSURANCE
BUILDING INSURANCE
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