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This product offers a flexible premium payment term of either 3 or 4 years. Customers can choose a policy term of up to 40 years, depending on their financial planning needs. At maturity, policyholders can opt to receive either a lump sum maturity fund value or monthly income benefits over a period of 10, 15, or 20 years. Additionally, loyalty dividends are available along with access to a wide range of additional riders.

General Product Specifications:

Entry Age:

  • For the main life/spouse, the entry age ranges from 18 to 65 years.
  • For child (hospitalization benefit), the eligible age is from 6 months to 18 years.
  • For child (Supreme Health Unlimited), eligibility ranges from 3 months to 23 years.

Maximum Expiry Age:
The policy can continue up to 80 years (Age at entry + policy term + monthly income period)

Premium Paying Term:
Customers can choose between a 3-year or 4-year premium payment term.

Policy Term:

  • For a 3Pay plan, the minimum term is 8 years.
  • For a 4Pay plan, the minimum term is 10 years.
  • The maximum term available is 40 years.

Premium Mode:
Premiums are payable on an annual basis only.

Minimum Basic Premium:

  • For a 3Pay (years) plan, the minimum annual premium is Rs. 300,000.
  • For a 4Pay (years) plan, the minimum annual premium is Rs. 200,000.

Sum Assured:
Customers can select a sum assured ranging from 2 to 50 times the basic annual premium.

Top-Up Premiums and Partial Withdrawals:
These are allowed, providing added flexibility for policyholders.

Loan Facility:
A loan facility is applicable under this policy.

HNB