Shivam Insurance Solution

Disclaimer

*life insurance – All the plans shows under life insurance column are combinations of pure lic plans. premium & maturity for all concepts might be vary as per proposer current age and corporation performance.

*1 term insurance Rs. 988/month premium is for 10 years tenure. Starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases.

*2 kanyadan yojana- proposer age is 30 and child age is 1 year and maturity in two times at 21st and 25th year.

*3. child education- premium and maturity calculation is on proposer age is 30y and chlild age is 1 year. maturity will come from 18th year onwards in four installments.

*4. Retirement fund- premium and maturity calculated at the age of 35 year. maturity at age 60 and there after pension will come every year till the age of 75 because average life expectancy is 75 in india.

*5. Karorpati plan- premium and maturity calculation done at age 30y and maturity will be after 35 years. for reducing the premium paying term to 15 years we used  maturity settlement option.

*6.

*7. SIIP Plan-This plan is ulip of lic and its premium calculation is on age 30 and initial NAV is17 rs and growth rate17% annually.

*8. Guaranteed income plan 3G- premium and maturity calculation is done at 35 y and income start at your retirement age60. premium reduced to 15y by using option of settlement.

Health Insurance- this is only for treatment in hospital up to the mentioned sum assured in particular policy. there is no maturity and return of premium if you did not use the facility in whole year. your premium will be null and void but if you continue the policy then no claim bonus will added in the form of sum assured.

*Individual plan- premium calculation is on 30 year age for single person only its pure mediclaim policy,

*Family floater- this is for family size 4 member and proposer age 35 taken. there are many benefits in the plan go to the page linked to it and read.

*Personal accident- Table A – Provides cover for Accidental Death. Table B – Provides cover for Accidental Death and Permanent Disablement. Table C – Provides cover for Accidental Death, Permanent Disablement and Temporary Total Disablement. It covers at low cost.

*Cardiac care-

Cardiac Ailments (Surgical /Interventional Management, Medical Management)

All the features mentioned in Section I will be covered along with cardiac related complications that requires in-patient hospitalisation in Gold Plan under this policy.
*Diabetic Plan-Here is some sweet news for Diabetics! Star Health brings you Diabetes Safe Insurance Policy that covers
not just complications of Diabetes (both Type I and Type II) but also regular hospitalization, Personal
Accident and Outpatient Expenses as well!

*Hospital cash-

Sickness Hospital Cash

Daily hospital cash due to sickness is provided up to the hospital cash amount for the maximum number of days chosen by the insured. Under Basic plan, one day deductible is applicable.

Accident Hospital Cash

Daily hospital cash due to accidents is provided up to 150% of the hospital cash amount opted by the insured person for the maximum number of days chosen by the insured.
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