LIC का Amritbaal Plan एक ऐसा fantastic insurance aur savings plan hai jise specially aapke bacchon ke future needs, jaise ki unki higher education aur shaadi (marriage), ke liye ek bada corpus (fund) jama karne ke liye design kiya gaya hai. Yeh ek Non-Linked, Non-Participating, Individual, Savings Life Insurance Plan hai. Iska matlab hai ki yeh plan share market se linked nahi hai (non-linked), aur na hi yeh LIC ke profits (surplus) mein share karta hai (non-participating). Iske benefits fixed aur guaranteed hote hain.

Plan Ke Key Features (मुख्य विशेषताएँ)

1. Guaranteed Additions (गारंटीड एडीशन्स):

Is plan ki sabse badi khaasiyat hai iske Guaranteed Additions (GA).

• Aapko har saal, poore policy term tak, basic Sum Assured ke Rs. 80 per thousand (₹1,000 par ₹80) Guaranteed Addition milta hai.

• For Example: Agar aapka Basic Sum Assured ₹5,00,000 hai, toh har saal aapke fund mein ₹40,000 (500 x ₹80) automatically add ho jaate hain.

• Yeh Additions, policy ke end mein maturity par aapko milte hain, jo aapke bachche ke bade expenses (kharchon) ke liye ek substantial amount bana deta hai.

2. Eligibility Criteria (पात्रता मापदंड):

Yeh plan bachchon ke liye hai, jiske liye specific age limits hain.

• Minimum Entry Age: Bacche ki age kam se kam 30 din honi chahiye.

• Maximum Entry Age: Zyada se zyada 13 saal tak ke bacche ke naam par yeh policy li jaa sakti hai.

• Minimum Maturity Age: Policy tab mature hogi jab baccha kam se kam 18 saal ka ho jaaye.

• Maximum Maturity Age: Aap maturity age 18 saal se 25 saal ke beech choose kar sakte hain, jo aapke bachche ki higher education ya dusre major financial goals se match kare.

• Policy Term (अवधि): Limited premium payment ke liye minimum 10 saal aur maximum 25 saal, aur single premium payment ke liye minimum 5 saal aur maximum 25 saal.

3. Premium Payment Flexibility (प्रीमियम भरने में लचीलापन):

Aapke paas premium payment ke do main options hain:

• Single Premium (एकल प्रीमियम): Aap poore policy ka premium sirf ek baar shuruat mein hi pay kar dete hain.

• Limited Premium Payment (सीमित प्रीमियम भुगतान): Aapko poore policy term tak premium nahi bharna padta. Aap short terms choose kar sakte hain, jaise ki 5, 6, ya 7 saal ka Premium Paying Term (PPT).

4. Sum Assured (बीमा राशि):

• Minimum Basic Sum Assured: ₹2,00,000/-

• Maximum Basic Sum Assured: No Limit (Lekin yeh aapki financial underwriting rules aur conditions par depend karta hai).

• High Sum Assured lene par attractive Rebates (छूट) bhi milte hain.

Benefits (फायदे)

A. Maturity Benefit (परिपक्वता लाभ):

Agar baccha (Life Assured) policy term ke end tak zinda rehta hai aur policy poori tarah se chalu (in-force) hai, toh use Maturity Benefit milta hai.

• Maturity Benefit = “Sum Assured on Maturity” (jo Basic Sum Assured ke barabar hota hai) + Accrued Guaranteed Additions (jama hue guaranteed additions).

• Yeh amount aapke bachche ke college ki fees, masters ki padhai, ya kisi aur bade kharche ke liye ek solid financial backing provide karta hai.

B. Death Benefit (मृत्यु लाभ):

Agar policy term ke dauraan Life Assured (bacche) ki unfortunately death ho jaati hai, toh Death Benefit nominee (aam taur par Proposer/Parent) ko diya jaata hai. Death Benefit mein options hote hain jo aap premium payment mode aur ‘Sum Assured on Death’ option ke choice ke hisaab se choose kar sakte hain.

• Limited Premium Payment ke liye 2 Options:

  • Option 1: Higher of 7 times Annualised Premium OR Basic Sum Assured.

  • Option 2: Higher of 10 times Annualised Premium OR Basic Sum Assured.

• Single Premium Payment ke liye 2 Options:

  • Option 3: Higher of 1.25 times Single Premium OR Basic Sum Assured.

  • Option 4: 10 times the Single Premium.

In sabhi options mein, death benefit ke saath Accrued Guaranteed Additions bhi add kiye jaate hain, jo us saal tak jama hue hain.

C. Settlement Option (किश्तों में भुगतान का विकल्प):

Policyholder ke paas yeh option hota hai ki woh Maturity Benefit ya Death Benefit ka poora amount ek saath lump sum mein na lekar, installments (kiston) mein le sakta hai.

• Yeh payments 5, 10, ya 15 saal ke term ke liye ho sakte hain.

• Isse, benefit ka paisa wisely manage karna aasaan ho jaata hai, khaaskar tab jab funds ko lambe samay tak use karna ho.

D. Rider Benefit (अतिरिक्त राइडर):

• Premium Waiver Benefit Rider (PWBR): Yeh ek bahut important rider hai, jo additional premium dekar liya jaa sakta hai. Agar policy term ke dauraan proposer (parent) ki death ho jaati hai, toh is rider ke hone par, aage ke saare premiums maaf (waived) ho jaate hain, lekin policy chalti rehti hai aur maturity par poora benefit milta hai. Yeh feature aapke bachche ke financial future ko double-secure karta hai.

Other Important Aspects (अन्य महत्वपूर्ण बातें)

• Loan Facility: Policy par loan lene ki facility available hai, jisse emergency mein financial help mil sakti hai.

• Grace Period: Limited Premium Payment mode mein, agar aap due date par premium nahi de paate, toh aapko thoda extra time (grace period) milta hai.

• Tax Benefits: Aap tax benefits ke liye Income Tax Act ke relevant sections, jaise ki Section 80C (premium payment par) aur Section 10(10D) (maturity/death benefit par, conditions apply) ke under claim kar sakte hain.

Is Plan Ko Kyun Lena Chahiye? (Why Buy This Plan?)

Amritbaal Plan ek perfect blend (sanyojan) hai Life Insurance Protection aur Guaranteed Savings ka.

1. Guaranteed Corpus: Market volatility (utarchadav) se bachkar, aap ek fixed aur guaranteed rate (GA) se apne bachche ke liye paisa jama karte hain.

2. Financial Security for Child: Proposer ki untimely death hone par bhi, PWBR ke through, policy chalti rehti hai aur bachche ka future fund secure rehta hai.

3. Flexibility: Maturity age, premium payment term, aur Sum Assured ke options aapko apni zaroorat ke hisaab se plan customize karne ki azaadi dete hain.

Conclusion

LIC Amritbaal Plan parents ke liye ek shandaar option hai jo apne bachche ke bade financial milestones (jaise higher studies) ko tension-free banana chahte hain. Iski Guaranteed Additions aur Premium Waiver Rider ise ek bahut hi attractive aur secure investment choice banate hain. Agar aap apne ‘champions’ ke liye ek mazboot aur nischit fund create karna chahte hain, toh yeh plan aapki zaroorat ko poora kar sakta hai.