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Child Protection Endowment Insurance plan
Under this plan, both the premium payer (father/mother) and the children are covered at the same time.
The benefits of this plan are as follows:
1. If the life assured (father/mother) dies within the term of the policy no further premiums will be payable. In such an event the following benefits are payable:
a) 1 (one) percent of the sum assured as stipend till the end of the policy term.
b) Full sum assured together with bonuses at the end of the policy term.
2. If the child dies before the maturity of the policy the following benefits will be payable:
Policy term completed at the time of the child's death
Benefits
Not more than 6 months
25% of the Basic Sum Insured
More than 6 months but not exceeding 12 months
50% of the Basic Sum Insured
More than 12 months but not exceeding 24 months
75% of the Basic Sum Insured
More than 24 months
100% of the Basic Sum Insured
3. If the life assured and the child survives till the end of the policy term full basic sum assured together with bonuses are payable.
4. If after the death of the life assured the child dies within the term of the policy no benefits are payable within the term, but full basic sum assured together with bonuses are payable.
N.B: If the child dies by drowning in water only the premium paid will be refundable.
 

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