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Policyholder has to fill up an `Application form/ proposal form with accurate medical history along with the address proof and other KYC documents. Medical examination may be required in some cases, based on the sum assured and the age of the person.
Details About Premium Annual premium in Rupees for a 40 year old male with a term of 21 years and PPT of 15 years under Option A Policy Details Grace Period: 30 days grace period is allowed for premium payment in all modes. If policyholder fails to make payment within the grace period, the policy lapses Policy Termination or Surrender Benefit: Policyholder is allowed to surrender the policy after 2 / 3 full years premiums have been paid. The Surrender Value will be higher of the Guaranteed Surrender Value or the Special Surrender Value. GSV =( GSV % of Premiums paid + GSV% of vested Bonuses ) – Annual Payouts already received or deferred Free Look Period: If you would not be pleased with the coverage, and terms and conditions of the policy, you have the option of canceling the policy within 15 days of receipt of the policy documents, provided there has been no claim. Inclusions Loan is available under the plan with a minimum amount of Rs.5000 and maximum of 85% of the Surrender Value
Rebates in premium for choosing annual and semi-annual mode @ 3% and 1.5% respectively High SA rebates are also allowed Exclusions In case of suicide committed within 12 months of policy inception or revival only the premiums paid or the Surrender Value is refunded
It is a participating plan with limited premium payment option There are 2 plan options of Option A and Option B Under option A, two payouts of 20% of SA and two of 30% of SA is paid every two years 5 years after the completion of the PPT Under Option B, 5 payouts @ 15%, 15%, 20%, 20% and 30% of SA is paid every year 5 years after the completion of PPT Simple reversionary bonus and terminal bonus add to the corpus
On death of the policyholder, future premiums are waived off and the benefit will be paid which will be SA on death subject to a minimum of 105% of premiums paid till death Sum Assured on death is higher of the SA chosen or 10 times the annual premium The annual payouts as chosen under the Options available will be paid as they accrue and accrued reversionary bonuses including Terminal Bonus, if any is paid on maturity The annual payouts can be deferred which will enhance the amount of payouts On Maturity, the accrued Reversionary Bonuses and Terminal Bonus is paid to the policyholder Income tax benefit on the premium paid as per Section 80C and on the claims received as per Section 10(10D) of the Income Tax Act.
Vision Star Plan is a traditional Money Back Child Plan designed to secure the childs future even if the parent is not around thus giving the parent peace of mind
