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JEEVAN BHARATI
(An Exclusive Money Back Plan for Woman - Save for Safety and Security)
LIC’s Jeevan Bharati –I Table no.192 is an amazing plan has been specially designed for females. This is a money back plan having optional Accident Benefit, Critical Illness Benefit and Congenital Disability Benefit as Riders.

Availbility of survival benefit after every five years from the date of commencement.

Survival Benefits: Survival benefits will be paid as given below

Survival Benefits: Survival benefits will be paid as given below

  15 years 20 years
After 5 years 20% of SA 20% of SA
After 10 years 20% of SA 20% of SA
After 15 years 60% of SA+Bonus+F.A.B 20% of SA
After 20 years   40% of SA+Bonus+F.A.B
  • Maturity Benefit:
    • For policy term of 15 years: 60% of the sum assured along with vested Bonus and final additional bonus, as declared, will be paid.

    • For policy term of 20 years: 40% of the sum assured along with vested Bonus and final additional bonus, as declared, will be paid.

  • Death Benefit: An amount equal to the Basic Sum Assured, along with vested Bonus and final additional bonus will be paid.

  • Female Critical Illness (FCI) Benefit: An amount equal to the Sum Assured will be payable on the occurrence of any one of the following Critical illnesses:
    • Breast Cancer
    • Overian/Fallopian Tube Cancer
    • Cervical Cancer
    • Uterine Cancer
    • Vaginal/Vulval Cancer
  • Accident and Disability Benefit (optional): The minimum of Rs.50,000.& Maximum limit of Rs.50 Lakh overall limit.

  • Congenital Disabilities Benefit (CDB) Benefit: An Amount equal to 50% of the Congenital Disability Benefit Rider Sum Assured will be payable if the Life Assured gives birth to a child with specified congenital disabilities. This benefit is payable for a maximum of 2 such congenitally disabled children.

  • Auto Cover: If atelaset two year’s premiums have been paid, full death cover will be admissible for a period of three years from the date of first unpaid premium. However, claims under the Critical Illness Rider, Congential Disability Benefit Rider and Accident benefit will not be admissible during Auto Cover Period.

  • Option to receive Maturity Benefits in the form of an annuity: The immediate annuity rates prevalent at the time of maturity will be applicable.

  • Restrictions
    • Minimum Sum Assured : Rs.50,000/-
    • Maximum Sum Assured: Rs.25,00,000/-
    • Minimum age at entry : 18 years
    • Maximum age at entry : 50 years
    • Maximum age at Maturity : 70 years last birthday
    • Mode of Premium : Yearly only
    • Grace period allowed for 30 days for payment of premium.
    • Lives with phisical disability attracting standard extra of Rs.2/- per thousand Sum Assured only will be eligible.
    • Loan not available.

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