Bima Shree
Plan No. 748
High Sum Assured, high guaranteed additions — HNI families ke liye banaya gaya ek premium money-back plan.
Bima Shree ek High Net-Worth Individuals (HNI) ke liye banaya gaya money-back plan hai, jiska minimum Sum Assured hi ₹10 lakh hai. Ye plan life cover ke saath periodic guaranteed payouts deta hai — policy term ke aakhri saalon mein, jab liquidity ki zarurat sabse zyada hoti hai.
Iski khaasiyat hai high guaranteed additions (₹50-55 per ₹1,000 Sum Assured) — jo isse un logon ke liye attractive banati hai jo large sum assured ke saath predictable, guaranteed growth chahte hain, bina stock market ke risk ke.
Key Features
High Guaranteed Additions
₹50 per ₹1,000 Sum Assured pehle 5 saal, phir ₹55 per ₹1,000 — poore premium paying term tak.
Kam Premium Paying Years
Premium sirf policy term se 4 saal kam bharna padta hai — cover poori term tak rehta hai.
Loyalty Additions
5 saal ke baad, LIC ke profits mein participation ke through loyalty additions bhi milte hain.
Death Par Full Protection
Chahe survival payouts ka 90% mil chuka ho, death hone par bhi poora 125% Sum Assured milta hai — bina kisi deduction ke.
Eligibility & Plan Parameters
| Minimum Entry Age | 8 Saal |
| Maximum Entry Age | 55 Saal (Policy Term Ke Hisaab Se) |
| Policy Term | 14, 16, 18, ya 20 Saal |
| Premium Paying Term | Policy Term se 4 Saal Kam |
| Maximum Maturity Age | 69 Saal |
| Minimum Sum Assured | ₹10,00,000 |
| Sum Assured Multiples | ₹50,000 Ke Multiples Mein |
Money Back (Survival Benefit) Schedule
Basic Sum Assured ka kitna % kab milta hai (approximate, term ke hisaab se)
| Policy Term | Payout Timing |
|---|---|
| 14 Saal | 30% BSA — 10th aur 12th saal ke end mein |
| 16 Saal | 35% BSA — 12th aur 14th saal ke end mein |
| 18 Saal, 20 Saal | Similar structure — baaki bacha hua amount + bonus maturity par |
Exact percentages aur years policy term ke hisaab se alag hote hain — accurate figures ke liye Premium Calculator use karein ya humse sampark karein.
Benefits Ki Detail
Death Benefit
Pehle 5 saal ke andar death hone par, nominee ko Sum Assured on Death + Guaranteed Additions milta hai. 5 saal ke baad, isme Loyalty Additions bhi jud jaate hain. Sum Assured on Death — 125% Basic Sum Assured ya 7 guna annual premium, jo zyada ho — aur ye kabhi 105% total paid premiums se kam nahi hoga.
Survival Benefit (Money Back)
Policy term ke aakhri saalon mein, LIC Basic Sum Assured ka ek fixed % periodically pay karta hai — chahe wo policy chalti rahe aur life cover poora bana rahe.
Maturity Benefit
Policy term poora hone par, bacha hua Basic Sum Assured + accrued Guaranteed Additions + Loyalty Additions, ek saath lump sum mein milte hain.
Available Riders (Optional)
- Accidental Death & Disability Benefit Rider
- Accident Benefit Rider
Yearly/half-yearly/quarterly premium ke liye 30 din ka grace period milta hai.
Tax Benefits
- Premium par Section 80C ke tahat deduction
- Maturity/death proceeds Section 10(10D) ke tahat generally tax-free
- High Sum Assured par attractive rebate milta hai
Exact tax benefit aapke tax regime aur prevailing laws par nirbhar karta hai.
Bima Shree Aapke Liye Sahi Hai?
Apna premium estimate calculate karein, ya seedha WhatsApp par humse detail mein baat karein — bina kisi obligation ke.