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| Birla Sun Life Insurance Bima Kavach Yojana |  |
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| | Birla Sun Life Insurance belives in undertaking concerted
efforts in the direction of helping the economically weaker section of the
society. We have designed 'Birla Sun Life Insurance Bima Kavach Yojana' plan keeping in mind the paying
capacity and the needs of the rural population.
We are working in close coordination with the Aditya Birla Group Units and
various N.G.O's, located accross India to provide the rural insurance services
to the rural population.
Rural and Community Initiatives : The group
is commited for sustainable social and economic development of the weaker
sections of the society, through need - based activities on income generation
and Skill enhancement, Micro Credit and Micro Finance, Savings, Health and
Family Welfare, Education, Watershed development etc.
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| |  | Benefits | | |  | Death Benefit | | | In case of an untimely death of the policy holder during
the policy period, the nominee of the policy holder will get 100 times of the
premium amount paid.
| | | | | Maturity Benefit | | | On Maturity, the policy holder will get his premium back
with 10% bonus(1.10 times).
| | | | | Surrender Benefit | | | Under this plan if policy holder wishes to surrender his
policy, he will get following surrender benefits. | | | | On Surrender | | In 1st year of policy | Only Premium amount | | In 2nd policy year | 1.04 times of Premium amount | | In 3rd policy year | 1.08 times of Premium amount |
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| | | Features | | |
 | Any time surrender facility | | No special medical checkup required |
| Simple Application form and easy documentation
process |
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| | | General Exclusion | | | If the life insured dies during the duration of plan, the cause
of death being suicide, we will not pay the normal death benefit but will
refund the amount paid by you as premium. |
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| | | Who are eligible? | | | People living in the IRDA Defined villages. Based on the
following IRDA guidelines we have prepared a list of villages qualify for sale
of Above Rural Policy. Aged between 18 and 50. |
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| | | IRDA Guidelines | | |
The IRDA guidelines define a Rural village as one in
which | | The total population is not exceeding 5000. | | The density of population is not more than 400/sq.km. | | At least 25 % of the male population is dependant on
agriculture as source of livelihood. | | | | | | Page 1,
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