LIC Jeevan Bharati Plan

There are a number of life insurance plans available in India. Different insurance providers offer different plans to cater to the various needs of the customers. But, when it comes to women specific life insurance plans, options are very few. LIC’s Jeevan Bharati (table no. 160) is a money back Insurance Policy that is specially designed to meet various financial needs of a woman. It not only offers comprehensive life coverage, the LIC plan also encourages women to save money for future financial security.

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Like any other life insurance plan, there are certain eligibility criteria that an insurance seeker must fulfil in order to buy this LIC plan. To purchase Jeevan Bharati Insurance Policy, one must be of at least 18 years of age. But anybody above the age of 55 years is no longer eligible to buy this plan. The maximum age for policy maturity is 70 years. You can purchase this policy for either 15 years or 20 years. The sum assured amount shall be a multiple of 5,000 with a minimum of Rs. 50,000/- . 

Some Special Features Of Jeevan Bharati Insurance Policy Are As Follows:

  • Jeevan Bharati Insurance Policy is specially designed for women only.
  • A money back plan with bonuses, which is also convertible to annuity.
  • More than 15% of the sum assured is received as survival advantage every 5 years.
  • At the end of the policy tenure, maturity benefit received which truly includes the remaining sum assured along with accrued bonuses.
  • High sum assured reimbursements are provided by the plan.
  • If you have continuously paid the premiums for at least two years, there is an option of premium off for three years.
  • Reimbursement is provided if you pay advance premium as this plan also offers you the option of paying advance premium. A policyholder can also pay the premiums in installments.
  • A policyholder can also customize the survival benefits as per the requirements. If the survival benefits are withdrawn later then the interest would also be paid for that tenure only. 

Benefits of Jeevan Bharati Insurance Policy Are As Follows:

Following are the guaranteed benefits of LIC’s Jeevan Bharti Insurance Policy

  • Survival Benefits
  • Death Benefit
  • Maturity Benefit
  • Income Tax Benefit

Apart from the benefits mentioned above, the policy comes with three in-built riders. The policyholder does not need to pay additional premium to avail these riders. The three in-built add-on benefits of this plan are as follows:

  • Critical Illness Rider: The policyholder is assured to receive the benefit equal to the sum assured (which is a minimum of Rs. 50000 and a maximum of Rs. 500000), in case the policyholder develops the critical illness such as breast cancer, cervical cancer and vulvar cancer. If the policyholder is diagnosed with any of these diseases, the sum assured will be given immediately. Otherwise, the insured have to wait for six months to avail the benefits.
  • Congenital Disabilities Benefit Rider:  If the insured woman gives birth to a child with particular congenital diseases like Down’s syndrome, Tetralogy of fallot, Anal Atresia, Imperforate anus, etc. ,then the payment of 50% of assured sum has to be made but this benefit is available only up to the age of 40 years and for a maximum number of two children. The payable amount under this cover is 5 lakhs.
  • Accident Benefit Rider: Accidental Benefit Rider is payable upon death or total and permanent disability due to accident during the policy tenure.

Jeevan Bharati Insurance Policy can be taken by parents on behalf of their daughter. This is probably the best gift that parents can give to their daughters and make their future financially secure.


*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
+Returns Since Inception of LIC Growth Fund
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
++Returns are 10 years returns of Nifty 100 Index benchmark
Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

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LIC India Insurance Reviews & Ratings
4.6 / 5 (Based on 73 Reviews)
(Showing Newest 10 reviews)
Meer
Chalakudy, January 01, 1970
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.
Ram
Balasore, January 01, 1970
Child security fulfilled
I have bought a Lic India child plan online and it has been a year now. I like the way the this works. It is a nice plan I got for my child’s security.
Jyotsana
Asifabad, January 01, 1970
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.
Anubha
Mainpuri, January 01, 1970
Low premium
The premium rate of the child insurance plan of LIC India which I bought 3 years ago is best and it was under my budget. I was searching for some good plans related to child insurance. I got the way of buying this plan and loved it.
Nimesh
Lakhimpur Kheri, January 01, 1970
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.
Amisha
Babina, January 01, 1970
Maturity benefits to get
It is easy to get the maturity benefits when LIC India child plan gets matured and my child would get a better return. It would be easy for him to get the best education and can go for a higher education abroad.
Jay
Lakhimpur, January 01, 1970
Safety
I feel safe and secured for my family when I will be not around. The Lic India ULIP plan will give the better returns and maturity benefits. And will be quite helpful for my family to sustain their future.
Amit
Raghunathpur, January 01, 1970
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.
Ashok
Mota Chiloda, January 01, 1970
Great plan
I am happy with this plan and have recommended many people for the same. I bought the Lic India ulip plan 2 years back and It is a best kind of investment.
Azam
, January 01, 1970
Good Benefits
It is important for everyone to understand that benefit is must when you are buying a child insurance plan. I bought a beneficial child plan of LIC India.
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