Bal Umang Chhori Beema Lekh
by Rastriya Jeevan Beema Company
In simple terms: you pay a fixed amount each year, and at the end of the term you get your cover amount back together with the bonus the insurer adds along the way. If you are ever unable to keep paying, the plan carries on by itself and your child still receives the full amount when the term ends. Rastriya Jeewan Beema's Bal Umang Chhori Beema Lekh — a child-focused life insurance plan.
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 15 | Rs 60 | — |
Recent years
- FY 2081/82
- Rs 60/ 1,000
- FY 2080/81
- Rs 60/ 1,000
- FY 2079/80
- Rs 65/ 1,000
- FY 2078/79
- Rs 65/ 1,000
- FY 2077/78
- Rs 65/ 1,000
Source: Rastriya Jeevan Beema Company declaration for FY 2081/82
Bonus rates are declared annually and are not guaranteed. Past rates do not guarantee future rates.
Maturity estimator
Estimated value at maturity
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What's included
Key highlights
- Child life insurance plan
- Minimum Sum Assured 50000
- Minimum entry age (Child) 1 year
Features
- Savings-oriented child life plan to secure a child's future
- Death benefit payable
- Maturity benefits likely (depending on participating/bonus declarations)
- Surrender value is available after three full years of premium payments and three years from the policy commencement
What happens in each case
Each plan pays out differently depending on what happens during the term. These are the situations that matter for this kind of plan.
If the insured passes away during the term
This plan states: Sum Assured (details not specified on page)
If the policy runs to maturity
This plan states: Sum Assured + Bonus (if participating)
Optional riders
No optional riders are attached to this plan.
What's not covered
- Suicide clause (typically within first 1–2 years)
- War, terrorism, and nuclear perils
- Pre-existing conditions subject to waiting period
Questions about this plan
What kind of plan is Bal Umang Chhori Beema Lekh?
Bal Umang Chhori Beema Lekh from Rastriya Jeevan Beema Company is a child plan that is taken out by a parent or guardian to fund a child's education and future.
Who can buy Bal Umang Chhori Beema Lekh?
The entry age for Bal Umang Chhori Beema Lekh is 1 – 15 years.
How long does Bal Umang Chhori Beema Lekh run?
The policy term for Bal Umang Chhori Beema Lekh is 15 years.
What bonus rate does Bal Umang Chhori Beema Lekh earn?
For FY 2081/82, Rastriya Jeevan Beema Company declared Rs 60 / 1,000 of sum assured on Bal Umang Chhori Beema Lekh. Bonus rates are set each year and are not guaranteed.
What is paid if the insured passes away during the term?
Sum Assured (details not specified on page)
What is paid when Bal Umang Chhori Beema Lekh matures?
Sum Assured + Bonus (if participating)
Premium
Quote on request