Introduction | परिचय
In today’s fast-paced world, women stand at the forefront of progress, balancing their dreams with the responsibilities of family and career. LIC’s Bima Lakshmi is not just an insurance plan—it’s a promise, a steady companion for every woman who aspires for financial stability and peace of mind. यह योजना उन महिलाओं की ज़रूरतों को ध्यान में रखते हुए तैयार की गई है, जो अपनी जिंदगी और परिवार को एक मजबूत भविष्य और सुरक्षा देना चाहती हैं[1]।
What Makes LIC Bima Lakshmi Unique | Bima Lakshmi की विशेषताएँ
- Specially designed for females, providing protection, savings and survival benefits in one comprehensive package[1]।
- Guaranteed Additions accrue every year, ensuring steady growth irrespective of market fluctuations[1]।
- Survival benefits can be chosen from three unique options, providing flexibility as per life stage and financial needs[1]।
- महिलाओं के लिए एक्सक्लूसिव क्रिटिकल इलनेस बेनिफिट राइडर, जो स्वास्थ्य समस्याओं को कवर करता है[1]।
- Attractive incentives for higher Sum Assured and online purchase—meaning more benefits when you opt for bigger coverage or buy online[1]।
- लोन सुविधा भी उपलब्ध है, जिससे तत्काल वित्तीय जरूरतें आसानी से पूरी हो सकें[1]।
Key Benefits | मुख्य लाभ
- Death Benefit: Assured sum plus accrued guaranteed additions to nominee in case of unfortunate demise during the policy term[1]।
- Maturity Benefit: On survival till maturity, assured sum along with guaranteed additions paid in full or installments, as per your choice[1]।
- Survival Benefits: At periodic intervals, you may receive specified lump sums to boost your financial position or cater to life milestones[1]।
- Guaranteed Additions: Every year, a fixed percentage of premium gets added to your policy, ensuring your investment grows steadily[1]।
- Rider Options: Enhance your policy with riders for accidental death/disability, term assurance, and female critical illnesses[1]।
Eligibility Criteria & Policy Terms | पात्रता एवं शर्तें
- Minimum Age at Entry: 18 years
- Maximum Age at Entry: 50 years
- Policy Term: 25 years
- Premium Payment Term: 7 to 15 years
- Minimum Sum Assured: ₹2,00,000 (multiples of ₹10,000)
- No maximum limit for Sum Assured, subject to underwriting guidelines[1]।
Survival Benefit Options | सर्वाइवल बेनिफिट विकल्प
The plan offers three flexible options for survival benefits, catering to varying financial goals:
- Option A: 50% of basic sum assured at the end of premium paying term।
- Option B & C: Specified percentages of sum assured paid at intervals throughout the policy term, ideal for those seeking periodic payouts during the policy tenure[1]।
Incentives & Policy Revival | प्रोत्साहन व पुनरुद्धार
LIC Bima Lakshmi rewards higher coverage and online buys with increased guaranteed addition rates. Existing LIC policyholders and nominees of recently-deceased policyholders also earn special incentives. एक बार पॉलिसी लैप्स हो जाए, तो उसे 5 वर्षों के भीतर पुनर्जीवित किया जा सकता है, जिससे पुराने सभी लाभ फिर सक्रिय हो जाते हैं[1]।
Sample Illustration | नमूना लाभ गणना
For a 35-year-old woman choosing a ₹2 lakh sum assured with a 10-year premium term:
- Option A: Annual premium ~₹34,480; death benefit starts at ₹3,44,800, guaranteed additions accumulate annually, and lump sum paid at maturity[1]।
- Similar illustrations are provided for Option B and C—each showing detailed year-wise premium, guaranteed additions, and benefits[1]।
How to Buy & Grievance Redressal | खरीददारी और शिकायत निवारण
Purchase is available offline (agents, brokers, insurance marketing firms) and online through LIC’s official website. LIC ने त्वरित शिकायत निवारण की व्यवस्था दी है, जिससे ग्राहक अपनी किसी भी समस्या को ऑनलाइन या ऑफलाइन दर्ज कर सकते हैं[1]।
Conclusion | निष्कर्ष
LIC Bima Lakshmi is a forward-thinking solution, empowering women to achieve financial freedom and safeguard their loved ones. Its guarantee-driven approach, health-focused riders, and flexible benefits make it the ideal choice for women seeking comprehensive, trustworthy life insurance with savings—truly a plan that celebrates and secures women’s aspirations[1]।
“LIC की Bima Lakshmi योजना, महिलाओं की वित्तीय आज़ादी और सुरक्षित भविष्य की तैयारी में एक सशक्त कदम है। इसमें बचत के साथ सुरक्षा, फ्लेक्सिबल बेनिफिट्स, व हेल्थ-फोकस्ड राइडर्स मिलकर इसे एक यूनिक और भरोसेमंद जीवन बीमा प्लान बनाते हैं।”
