LIC मनी प्‍लस प्‍लान

यूनिट लिंक्ड इंश्योरेंस प्लान (ULIP) सुरक्षा और बचत के डुअल बेनिफिट  प्रदान करते हैं। एक ट्रेडिशनल लाइफ इंश्‍योरेंस प्‍लान के विपरीत, एक यूनिट-लिंक्ड प्‍लान आपको पर्याप्त जीवन कवरेज प्रदान करते हुए आपके धन को अधिकतम करती है। मनी प्लस इंश्‍योरेंस पॉलिसी, LIC की एक यूनिट-लिंक्ड प्‍लान कम्प्रेहैन्सिव लाइफ कवरेज के साथ-साथ निवेश लाभ प्रदान करता है। जब तक यह पॉलिसी एक्टिव होती है तब तक प्‍लान पैसे की सुरक्षा भी प्रदान करता है।

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इस प्‍लान के तहत, पॉलिसीहोल्‍डर एक हद तक कवर के स्तर को चुन सकता है, जो चुनी गई अवधि पर निर्भर करेगा। पॉलिसीहोल्‍डर अपनी सुविधा के अनुसार माध्‍यम और प्रीमियम की राशि चुन सकता है। प्रीमियम के आवंटन के बाद, राशि का उपयोग पॉलिसीहोल्‍डर द्वारा चुने गए फंड के प्रकार के अनुसार यूनिट्स को खरीदने के लिए किया जाएगा।

मनी प्‍लस इंश्‍योरेंस प्‍लान के लिए पात्रता मापदंड

प्रवेश आयु:

अधिकतम: 65 साल (जन्‍मदिन के करीब आयु) 

न्यूनतम: 0 (पिछले जन्‍म‍तिथि पर)

मैच्योरिटी आयु:

अधिकतम: 75 साल (जन्‍मदिन के करीब आयु) 

न्‍यूनतम- 18 साल‍(पूर्ण)

पॉलिसी टर्म:

 

अधिकतम: 20 साल 

न्यूनतम: 5 साल

भुगतान का माध्‍यम:‍

इयरली‍,हाफ इयरली, क्‍वाटरली, सिंगल‍

न्‍यूनतम प्रीमियम‍

सिंगल प्रीमियम के लिए 10,000

बेसिक प्‍लान के तहत सम एश्‍योर्ड

रेगुलर प्रीमियम के लिए रूपये 5,000 प्रति वर्ष

यदि आप स्‍वयं को प्‍लान के लिए एलिजिबल हैं, तो आइए अब आपको दिखाते हैं कि यदि आप इस प्‍लान को खरीदने का फैसला करते हैं तो कौन से बेनिफिट आपका इंतजार कर रहे हैं। 

मेच्योरिटी बेनिफिट:

जैसे ही पॉलिसी मेच्‍योरिटी की तारीख तक पहुंचती है, पॉलिसीहोल्‍डर को मेच्‍योरिटी बेनिफिट के रूप में सम एश्‍योर्ड प्राप्त होता है।

यदि पॉलिसीहोल्‍डर नियमित रूप से किश्तों का भुगतान कर रहा है, तो किस्त की गणना इस प्रकार की जाएगी:

  • मेच्‍योरिटी की तारीख पर यूनिट्स की कुल संख्या/किस्तों की कुल संख्या 

डेथ बेनिफिट:

यदि पूरी तरह से कवर होने पर पॉलिसीहोल्‍डर की मृत्‍यु हो जाती है, तो नॉमिनी को बेसिक प्‍लान के तहत डेथ  बेनिफिट की सुनिश्चित राशि मिल जाएगी।  

यदि पॉलिसीहोल्‍डर पॉलिसी मेच्‍योर होने से पहले अनियमित किस्‍तों में भुगतान की गई मेच्‍योरिटी को चाहता है तो उसे उन यूनिट्स की संख्‍या को दर्शाते हुए एक एप्‍लीकेशन भेजना होता है जिसे वह एनकैश करना चाहता है। लैप्स पॉलिसी के मामले में सेटलमेंट का विकल्‍प अयोग्य घोषित किया जाएगा।

यहां पर प्‍लान के साथ उपलब्‍ध अन्‍य फीचर्स दिये गए हैं

ग्रेस के दिन:

ड्यू प्रीमियम के भुगतान के लिए पॉलिसीहोल्‍डर को एक कैलेंडर मंथ का ग्रेस पीरियड, लेकिन 30 दिनों से अधिक की अनुमति नहीं होगी। यदि पॉलिसीहोल्‍डर ग्रेस पीरियड के बाद भी प्रीमियम का भुगतान करने में विफल रहता है तो पॉलिसी लैप्‍स हो जाएगी।

पॉलिसी का रिवाइवल:

पॉलिसी का रिनुअल नॉनस्टॉप इंश्योरेंस की पुष्टि के प्रस्तुत होने पर किया जा सकता है यानी अच्छे स्वास्थ्य का प्रमाण और बिना ब्याज के बिना भुगतान किए प्रीमियम का भुगतान।

पॉलिसी को अच्‍छे स्‍वास्‍थ्‍य के किसी प्रमाण के बिना और इंटरेस्ट के बिना प्रीमियम के भुगतान पर रिकवर किया जा सकता है बशर्तें कम से कम 3 साल या अधिक तक प्रीमियम का भुगतान किया गया हो।

मनी प्‍लस प्‍लान के तहत काटा गया चार्जेस

1) मोर्टेलिटी (लाइफ कवर) चार्जेस: हर महीने मोर्टेलिटी चार्जेस में कटौती की जाएगी। पॉलिसी वर्ष के दौरान मोर्टेलिटी, पॉलिसीहोल्‍डर की आयु पर निर्भर करेगा। मोर्टेलिटी चार्जेस तब तक नहीं काटा जाएगा तक कि बेसिक सम एश्‍योर्ड की राशि यूनिट्स की फंड वैल्‍यू मूल्य से अधिक न हो।

2) एक्‍सीडेंट बेनिफिट चार्जेस: यदि पॉलिसीहोल्‍डर ने एक्‍सीडेंट बेनिफिट कवर को चुना है, तो उपयुक्त संख्या में यूनिटों के मासिक कैंसिलेशन द्वारा प्रति पॉलिसी वर्ष में एक्‍सीडेंट बेनिफिट का प्रति 1000 राशि पर 0.50 पैसे का शुल्क काटा जाएगा।

3) LIC न्‍यू क्रिटिकल इलनेस बेनिफिट राइडर पॉलिसी वर्ष के दौरान CIR चार्जेस पॉलिसीहोल्‍डर की आयु पर आधारित होगा। यदि पॉलिसी होल्‍डर ने क्रिटिकल इलनेस बेनिफिट को चुना है, तो फिर से पॉलिसीहोल्‍डर की आयु के आधार पर हर साल प्रीमियम में वृद्धि होगी।

4) पॉलिसी एडमिनिस्‍ट्रेशन चार्जेस: पॉलिसी के पहले वर्ष के दौरान, पॉलिसीहोल्‍डर की फंड वैल्‍यू में यूनिटों की उपुयक्‍त संख्‍या को कैंसिल करते हुए प्रति माह 60 रूपये और उसके बाद पॉलिसी की पूरी अवधि में 20 रूपये प्रति माह पॉलिसी एडमिनिस्‍ट्रेशन चार्जेस काटे जाएंगे। पॉलिसीहोल्‍डर से अलग से कोई फ्लैट फीस या पॉलिसी चार्ज नहीं लिया जाएगा।

5) सर्विस टैक्‍स चार्ज: मोर्टेलिटी के चार्जेस के आधार पर मासिक आधार पर पॉलिसीहोल्‍डर की फंड वैल्यू में से उचित संख्या में यूनिटों को कैंसल करके सर्विस टैक्स चार्ज लिया जाएगा।

मनी प्लस इंश्‍योरेंस पॉलिसी उन लोगों के लिए सबसे उपयुक्त है जो जोखिम से ग्रस्त हैं और एक साथ निवेश और इंश्‍योरेंस दोनों लाभ चाहते हैं।  इसके अलावा, LIC का उच्च क्‍लेम सेटलमेंट रेशियो मनी प्लस इंश्‍योरेंस पॉलिसी को कंपनी द्वारा ऑफर किये जाने वाले सर्वश्रेष्ठ यूनिट लिंक्ड प्‍लान्‍स में से एक बनाता है।

Average Rating
(Based on 26 Reviews)
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LIC मनी प्‍लस प्‍लान Reviews & Ratings

4.6 / 5 (Based on 26 Reviews)
(Showing Newest 25 reviews)
Meer
Chalakudy, April 16, 2021
Easy claim settled
I bought the Lic India term plan from the suggestion of my family friend and he recommended me a lot of plans. He said that the claim settlement ratio is quick and easy. Also, it is protective plan.
Jyotsana
Asifabad, April 14, 2021
Additional riders
Along with my Lic India term insurance plan I have got the additional riders too. It has been an important thing for me and can be useful at any point in time. It can be added with a minimal amount.
Nimesh
Lakhimpur Kheri, April 13, 2021
Tax rebate
I bought a Lic India term insurance policy online and it has been into my budget. Also, I like one thing that I would able to get the tax benefits under it. It is a good option and can be beneficial for all tax payers.
Amit
Raghunathpur, April 09, 2021
Happy customers
I am one of the happiest customer of Lic India term plan and I have found various good deals. It is the plan which has come under my budget. And it has been a protective shield for me and my family.
Seema
Agra, April 07, 2021
Good plan
I like my Lic India term plan from the online market and I found the solace in this plan. It is a good thing to support yourself by getting the best term plan so secure the life.
Ashraf
Babina, March 23, 2021
Additional riders and benefits
It is a good idea for everyone to buy a LIC term plan as I have got the additional riders too under the same. The plan is very nice and much helpful.
Naman
Anantnag, March 22, 2021
Tax benefits
With this LIC term insurance plan I received a tax rebate and tax benefits. I found it much better as compared to other plans and it’s a kind of coverage and investment for me. I am totally happy with this plan and found it worthy.
Chetan
Mawana, March 16, 2021
Secure your family
I have secured my family by buying a LIC term insurance plan. It is a long term plan with a lot of benefits under the same. At-least I will be satisfied that my family will safe and financially secured after I am not around. It’s a great plan under my budget.
Bibek
Baleshwar, March 02, 2021
Premium payment is easy
It’s really easy to pay for the premium amount of my lic India term plan. Also, I pay it online because it is transparent in nature. I bought this plan like about 4 years back and continuing it for its safety purposes.
Himanshi
Bablabona, February 22, 2021
Sufficient plan
I have recently bought a lic India term insurance plan and it has been a wonderful plan for me and my family. A sufficient plan for the safety and security of my family. It has given me few benefits too which makes the plan a wonderful.
Kamal
Badayun, February 16, 2021
Affordable premiums
The term insurance plan which I bought of Lic India is first class and very amazing. I like the plan because it has various features and benefits which makes the plan worthy. Also, the premium rate of the plan is according to my budget and much affordable.
Sharad
Malpur, November 05, 2020
Beneficial plan
My LIC India term insurance plan is really good and beneficial in nature. They have provided with certain features and my life has been protective to me and my family.
Nitesh
Latur, November 05, 2020
Low premium
I got my term insurance plan of LIC India. It is really easy to attain and my term plan is really good as it has several add on features included into the same. The premium rate of my plan is really affordable in nature.
Manu
Dehradun, November 05, 2020
Tax benefits
Somebody into my circle recommended me to get the LIC India term insurance policy. So, I gave it a try and started searching for some plans. Quite easy to check features and benefits of all LIC term plans.
Gauri
Garhmukteshwar, October 21, 2020
Amazing plans
It is a really good and amazing plan and I took the LIC term insurance plan for the safety and security of my plan needs and wants.I took the plan online and have checked good number of plans of LIC term plan.
Bhushan
Faridabad, October 21, 2020
Best policy
My lic term insurance plan which I bought recently have given me so much of help and satisfaction. It is a good plan with sense of safety and security. Claims are easy to go and basically it is a best plan for your future needs.
Trilok
Haldwani, October 21, 2020
Good plans
I have got the lic India term insurance. The maturity year is pretty good and I am much happy with my term plan.
Ajeet
Basanti, January 08, 2019
Very Good Plan
Recently I took the Term insurance of LIC and found it too useful. The maturity year is good which 75 years. I feel it is good as it can used by my family after me if by chance some problem may occur. We should always secure our life so it was a good experience and I am getting good benefits too. Thank you.
Jayant
Buxar, July 20, 2016
Excellent Work
The premium is low but the paybacks are high. Service is fast and because of that the claiming is simple to sanctioned. The lic term plan is suggested by my father and after seeing the terms and conditions i buy it.
Saurabh
Ahmedabad, July 20, 2016
Super Policy
My lic term plan is providing the best services. Policy covers maximum expenditures and good returns. Claims are easy to sanctioned, updates of the plan is mailed to email address. Best investment which reduces taxes.
Devesh
Uttamnagar, July 19, 2016
Perfect Policy
LIC online term plan is very easy to buy and renewals is also simple. The updates regarding policy can be visit on the website of the insurance company. Service is fast and behaviour of the staff is nice. The investment is less and the returns are high.
Lokesh
Jaipur, July 19, 2016
Trustworthy
The lic term insurance plan is fantastic which i have seen comes from ages and providing good policies to the customers. Service is the best no doubt in that, online portal is also easy to access and anyone can operate it easily.
Gautam
Hyderabad, July 19, 2016
Good Service
I have lic term insurance plan which is very beneficial for me and my family members from last few years. The policy coverage is high and the premium is less. Service is fantastic which is facilitate by the executives and members.
Arun
Ahmednagar, March 09, 2016
term
help me, plane choose
Sanjeev
Noida, January 02, 2016
plan
life insurance
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