BIMA BACHAT PLANBIMA BACHAT PLANTABLE NO. 816TABLE NO. 816

BASIC CONDITIONS BASIC CONDITIONS Minimum Age at Entry 15 Years (Complete)

Maximum Age at Entry for 9yrs Term 66 Years

Maximum Age at Entry for 12yrs Term 63 Years

Maximum Age at Entry for 15yrs Term 60 Years

Minimum Sum Assured for 9Yrs Term 35,000

Minimum Sum Assured for 12Yrs Term 50,000

Minimum Sum Assured for 15Yrs Term 70,000

Maximum Age at Maturity 75 Years

Maximum Sum Assured No Limit (in multiples of 5000)

Mode Single Premium

Change from Table No. 175: Minimum SA was 20,000

BENEFITBENEFIT• SURVIVAL BENEFITSURVIVAL BENEFIT

• MATURITY BENEFITMATURITY BENEFIT

Single Premium Paid along with loyalty addition less Taxes and extra premiums ,if any

TERM 3rd Year 6th Year 9th Year 12th Year 15th Year

9 15% BSA 15% BSA Maturity

12 15% BSA 15% BSA 15% BSA Maturity

15 15% BSA 15% BSA 15% BSA 15% BSA Maturity

NO Change from Table No. 175

BENEFITBENEFIT• DEATH BENEFITDEATH BENEFIT

First Five Years: Sum Assured Shall be Payable

After Completing 5 Years: Sum Assured and Loyalty Additions if Any Shall be Payable

Change from Table No. 175: LA is Payable after 5 Years

REBATEREBATEPolicy Term SUM ASSURED Band % Of Tabular Premium

9 Years of Term

Less then 75,000 Nil

75,000 to 1,50,000 6%

1,50,000 & Above 8%

Policy Term SUM ASSURED Band % Of Tabular Premium

12 Years of Term

Less then 1,00,000 Nil

1,00,000 to 2,00,000 4%

2,00,000 & Above 6%

Policy Term SUM ASSURED Band % Of Tabular Premium

15 Years of Term

Less then 1,50,000 Nil

15,00,000 to 3,00,000 3%

3,00,000 & Above 5%Change from Table No. 175: High SA is based on Term and SA Rebate

LOAN OPTIONLOAN OPTION

• Available after Completion of 1 Policy Year

• Loan can be granted up to 60% of Surrender Value

Change from Table No. 175: After First Premium Paid

Change from Table No. 175: Up to 90% of Surrender Value

SURRENDER OPTIONSURRENDER OPTION• Available at any time during the policy term subject to realization of the premium cheque

• No Loyalty Addition Shall be payable

• Higher of Guaranteed Surrender Value or Special Value shall be payableChange from Table No. 175:

After Completing 1 Year

GSV FACTORS GSV FACTORS • 1st Year 70% & Thereafter 90% of Single Premium excluding taxes and extra premium, if any

• excluding all Survival Benefits paid earlier, taxes and extra premium, if any

• SPECIAL SURRENDER VALUE (SSV): SPECIAL SURRENDER VALUE (SSV): Discounted value of Single Premium paid excluding taxes and extra premium, if any

OTHER OTHER • SERVICE TAXSERVICE TAX

Taxes, if any, shall be applicable at the prevailing rates and borne by the POLICYHOLDER as per rules

There are No additional changes are done in Back Dating, Paid-There are No additional changes are done in Back Dating, Paid-up Value, Nomination and Assignment up Value, Nomination and Assignment

THANK YOUTHANK YOU