Bima gold is a Money Back plan where premiums paid over the term of plan are paid back during the policy term in instalments and life insurance cover is available not only during the term but also during the extended term of the plan.
Survival Benefit
Payable at the end of the specified durations provided the policy is in full force as given below:
For policy term 12 years: 15% of the Sum Assured under Basic Plan at the end of each 4th & 8th policy year.
For policy term 16 years: 15% of the Sum Assured under Basic Plan at the end of each 4th, 8th &12th policy year.
For policy term 20 years: 10% of the Sum Assured under Basic Plan at the end of each 4th, 8th, 12th & 16th policy year.
Maturity Benefit:
Payment of total amount of premiums paid (excluding extra/optional rider premiums, if any) plus Loyalty Additions, if any, less the amount of survival benefits paid earlier in case of Life Assured surviving to the end of the term.
Auto-cover facility:
If, at least two full years premiums have been paid in respect of this policy, any subsequent premium be not duly paid, risk (death) cover shall continue for a period of two years from the date of First Unpaid Premium.
Death Benefit:
Payment of an amount equal to Sum Assured under the Basic Plan immediately on death of the Life Assured during the term of the policy provided the life cover is in force.
Guaranteed Surrender Value:
The Guaranteed Surrender Value shall be available after completion of at least three policy years and at least three full years premiums have been paid. The Guaranteed Surrender Value is equal to 30 per cent of the total amount of premiums paid excluding the premiums for the first policy year, all extra premiums paid, the premiums paid for Accident Benefit Rider and the amount of survival benefits paid earlier.
Call 94802 40513 
