Post Office लाईफ इन्शुरन्स प्लॅन, 50 लाखांपर्यंत विमा | Post Office Insurance Scheme In Marathi

Post Office Insurance Scheme


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Post Office Insurance Scheme

Post Office Insurance Scheme: जर येत्या काळात तुम्ही लाईफ इन्शुरन्स प्लान घेण्याचा विचार करत असाल, तर तुम्हाला पोस्ट ऑफिसमध्ये उत्तम पर्याय मिळू शकतो. पोस्ट ऑफिसमध्ये (Post Office Scheme) पोस्टल लाईफ इन्शुरन्स  (Postal Life Insurance-PLI) नावाची योजना पोस्ट ऑफिसमध्ये चालवली जाते.

Postal Life Insurance (PLI) was introduced on 1st February 1884.It started as a welfare scheme for the benefit of postal employees and was later extended to the employees of the Telegraph Department in 1888. In 1894, PLI extended insurance cover to female employees of the erstwhile P & T Department at a time when no other insurance company covered female lives. It is the oldest life insurer in this country. Over the years, PLI has grown substantially from a few hundred policies in 1884 to more than 50 Lacs policies as on 31.03.2021. It now covers employees of Central & State Governments, Defence and Para-Military Services, Public Sector Undertakings, Banks, Educational Institutions, Local Bodies, professionals (such as doctors, engineers, chartered accountants, MBAs, lawyers etc.) and employees of companies listed with National Stock Exchange (NSE) / Bombay Stock Exchange (BSE)

ही योजना 1 फेब्रुवारी 1884 रोजी ब्रिटीश काळात सुरू करण्यात आली होती. परंतु आजही ही योजना लोकांमध्ये फारशी लोकप्रिय नाही. ही योजना 50 लाख रुपयांपर्यंतची विमा रक्कम देते. त्यासोबतच या योजनेचे इतरही अनेक फायदे आहेत. त्यामुळे उत्तम लाईफ इन्शुरन्स प्लानच्या शोधात असाल, तर पोस्ट ऑफिसच्या या योजनेचा विचार नक्की करा.

पोस्टल लाईफ इन्शुरन्स पॉलिसी कोण खरेदी करू शकतं?

पोस्टल लाईफ इन्शुरन्स सुरक्षा पॉलिसी कोणीही खरेदी करू शकतं. 19 वर्षांपासून ते 55 वर्षांपर्यंतची कोणतीही व्यक्ती या योजनेचा लाभ घेऊ शकते. या योजनेंतर्गत, पॉलिसीधारकाला बोनससह किमान 20 हजार रुपये आणि कमाल 50 लाख रुपयांची विमा रक्कम मिळते. यादरम्यान, पॉलिसीधारकाचा मृत्यू झाल्यास ही रक्कम त्याच्या वारस किंवा नॉमिनीला जाते.

4 वर्षांनी कर्ज घेण्याचाही पर्याय

सलग चार वर्षांपर्यंत पॉलिसी सुरू ठेवल्यानंतर पॉलिसी होल्डर यावर कर्ज देखील घेऊ शकतात. जर तुम्हाला पॉलिसी अनेक वर्षांपर्यंत सुरू ठेवायची नसेल, तर तुम्ही ही पॉलिसी 3 वर्षांनी सरेंडर देखील करू शकता. परंतु, जर तुम्ही ही पॉलिसी 5 वर्षांपूर्वी सरेंडर केलीत, तर तुम्हाला यावर मिळणारा बोनस मिळणार नाही. 5 वर्षांनी पॉलिसी सरेंडर करणाऱ्यांना विम्याच्या रकमेवर बोनस दिला जातो.

हे फायदे तुम्हाला माहिती हवेच?

पोस्टल लाईफ इन्शुरन्समध्ये भरण्यात आलेल्या प्रीमियमला इन्कम टॅक्स अॅक्ट सेक्शन 80C अंतर्गत सूट मिळते. या प्लानमध्ये प्रीमियम भरण्यासाठी तुम्हाला मासिक, सहामाही आणि वार्षिक असे तीन पर्याय दिले जातात. तुम्ही तुमच्या सोयीनुसार, पर्याय निवडू शकता. एवढंच नाहीतर, तुम्ही तुमची इच्छा असल्यास या पॉलिसीचे 59 वर्षांच्या वयापर्यंत एंडोमेंट ॲश्युरन्स पॉलिसीमध्ये रूपांतरित करू शकता,

या प्लॅनमध्ये तुम्हाला मासिक, त्रैमासिक, सहामाही आणि वार्षिक प्रीमियम भरण्याचा पर्याय दिला जातो. तुम्ही तुमच्या सोयीनुसार पर्याय निवडू शकता. एवढेच नाही तर, तुमची इच्छा असल्यास, तुम्ही या पॉलिसीचे 59 वर्षांच्या वयापर्यंत एंडोमेंट ॲश्युरन्स पॉलिसीमध्ये (Endowment Assurance Policy) रूपांतरित करू शकता, बशर्ते कन्वर्जनची तारीख ही प्रीमियम पेमेंटच्या समाप्तीची तारीख असेल किंवा मॅच्युरिटीच्या तारखेच्या (Date of Maturity) एक वर्षाच्या आत होऊ नये. याशिवाय, तुम्ही पॉलिसी देशाच्या कोणत्याही भागात हस्तांतरित करू शकता.

योजनेचा लाभ कोण घेऊ शकतं?

आधी या पॉलिसीचा लाभ केवळ सरकारी आणि निमशासकीय कर्मचारी घेऊ शकत होते. परंतु, 2017 पासून पीएलआय अंतर्गत सुरू असलेल्या सर्व इन्शुरन्स पॉलिसीचा लाभ डॉक्टर, इंजिनिअर, वकील, मॅनेजमेंट कंसल्टेंट, चार्टर्ड अकाउंटेंट, आर्किटेक्ट, बँकर आणि इतर कर्मचाऱ्यांसाठी उपलब्ध करून देण्यात आला आहे. जर तुम्हाला या योजनेचा लाभ घ्यायचा असेल, तर तुम्ही ही पॉलिसी ऑनलाईन देखील घेऊ शकता. अधिक माहितीसाठी https://www.indiapost.gov.in/Financial/Pages/Content/pli.aspx लिंकवर क्लिक करा. किंवा टोल फ्री नंबर 1800 180 5232/155232 वर फोन करुन तुम्ही माहिती घेऊ शकता.

PLI Premium Table

Number Of Post Office Insurance Scheme

  • Whole Life Assurance (Suraksha)
    • This is a scheme where the assured amount with accrued bonus is payable to the insured either on attaining the age of 80 years, or to his/her legal representatives or assignees on death of the insured, whichever occurs earlier, provided the policy is in force on the date of claim.
      • Minimum & Maximum age at entry: 19-55 years
      • Minimum Sum Assured ₹ 20,000; Maximum ₹ 50 lac
      • Loan facility after 4 years
      • Surrender after 3 years
      • Not eligible for bonus if surrendered before 5 years
      • Can be converted into Endowment Assurance Policy upto 59 years of age of the insurant provided the date of conversion does not fall within one year of the date of cessation of premium payment or date of maturity.
      • Premium paying age can be opted for as 55,58 or 60 years
      • Proportionate bonus on reduced sum assured is paid if policy is surrendered
      • Last declared Bonus- ₹ 76/- per ₹ 1000 sum assured per year​
  • Convertible Whole Life Assurance (Suvidha)
    • A Whole Life Assurance Policy with the added feature of an option to convert to Endowment Assurance Policy at the end of five years of taking policy.
      • Assurance to the extent of sum assured with accrued bonus till attainment of maturity age
      • In case of death, assignee, nominee or legal heir paid full amount of sum assured with accrued bonus
      • Minimum age & Maximum age at entry: 19-55 years
      • Can be converted into Endowment Assurance after 5 years not later than 6 years of taking policy. If not converted, policy will be treated as Whole Life Assurance
      • Minimum sum assured ₹ 20,000; Maximum ₹ 50 lac
      • Loan facility after 4 years
      • Surrender after 3 years
      • Not eligible for bonus if surrendered before completion of 5 years
      • Last declared Bonus- ₹ 76/- per ₹ 1000 per year (for WLA policy if not converted to Endowment Assurance)
      • ​On conversion, bonus of Endowment Assurance will be payable.
  • Endowment Assurance (Santosh)
      • In case of death of insurant, assignee, nominee or legal heir is paid full amount of sum assured with accrued bonus
      • Minimum & maximum age at entry: 19-55 years
      • Minimum sum assured ₹ 20,000; Maximum ₹ 50 lac
      • Loan facility after 3 years
      • Surrender after 3 years
      • Not eligible for bonus if surrendered before completion of 5 years
      • Proportionate bonus on reduced sum assured is paid if policy is surrendered after 5 years
      • Last declared Bonus- ₹ 52/- per ₹ 1000 sum assured per yearUnder this scheme the proponent is given an assurance to the extent of the sum assured and accrued bonus till he/she attains the pre- determined age of maturity i.e 35,40,45,50,55,58 & 60 years of age.
  • Joint Life Assurance (Yugal Suraksha)
    • It is a Joint Life Endowment Assurance in which one of the spouses should be eligible for PLI policies.
      • Life cover to both spouses to the extent of sum assured with accrued bonus with a single premium
      • Minimum sum assured ₹ 20,000; Maximum ₹ 50 lac
      • Minimum age & Maximum age at entry of spouses: 21-45 years
      • Maximum Age of the elder policy holder should not be more than 45 years & the couple should be between 21 years to 45 years
      • Minimum term of policy 5 years and maximum 20 years
      • Loan facility after 3 years
      • Surrender after 3 years
      • Not eligible for bonus if surrendered before completion of 5 years
      • Proportionate bonus on reduced sum assured is paid if policy is surrendered
      • Death benefits are paid to either of the survivors in the event of death of spouse or main policy holder
      • Last declared Bonus- ₹ 52/- per ₹ 1000 sum assured per year
  • Anticipated Endowment Assurance (Sumangal)
    • It is a Money Back Policy with maximum sum assured of ₹ 50 lacs, best suited to those who need periodical returns. Survival benefits are paid to the insurant periodically. Such payments will not be taken into consideration in the event of unexpected death of the insurant. In such cases, full sum assured with accrued bonus is payable to the assignee, nominee of legal heir.
      • Policy term: 15 years and 20 years
      • Minimum age 19 years; maximum age at entry 40 years for 20 years’ term policy & 45 years for 15 years’ term policy
      • Survival benefits paid periodically as under: –
      • 15 years Policy- 20% each on completion of 6 years, 9 years & 12 years and 40% with accrued bonus on maturity
      • 20 years Policy- 20% each on completion of 8 years, 12 years & 16 years and 40% with accrued bonus on maturity
      • ​Last declared Bonus- ₹ 48/- per ₹ 1000 sum assured per year
  • Children Policy (Bal Jeevan Bima)
    • The salient features of this scheme are as under:
      • ​The scheme provides life insurance cover to children of policy holders
      • Maximum two children of policy holder (parent) are eligible
      • Children between 5- 20 years of age are eligible
      • Maximum sum assured ₹ 3 lac or equal to the sum assured of the parent, whichever is less
      • Policy holder (parent) should not be over 45 years of age.
      • No premium to be paid on the Children Policy, on the death of policy holder (parent). Full sum assured and bonus accrued shall be paid on completion of term
      • Policy holder (parent) shall be responsible for payment of Children policy No loan admissible
      • Has facility for making it paid up, provided premiums are paid continuously for 5 years
      • Surrender facility is not available
      • No medical examination of child necessary. However, child should be healthy and risk shall start from day of acceptance of proposal
      • Attract the rate of bonus applicable for Endowment policy (Santosh) i.e. last bonus rate is ₹ 52/- per ₹ 1000 sum assured per year



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