Saving – Royal Insurance Corporation of Bhutan Limited

Maturity Benefits of Sum Assured + Guaranteed Additions
Disability Benefits
In the event of untimely demise of the policyholder, Sum Assured plus 150% of the premiums paid.
50% Tax Refund

Maturity Benefit of Sum Assured + Bonus
Sum Assured plus bonus in the event of untimely demise
Double the Accident Benefit cover if Accident Benefit is availed up to Nu 100,000
50% Tax Refund

Monetary returns of 20% of the Sum Assured on 4th, 8th, 12th, & 16th year. On the 20th year, 20% of the Sum Assured plus bonus.
Sum Assured plus bonus guaranteed in the event of untimely demise
50% Tax Refund

For 5 Year Term-25% of the Sum Assured on the 3rd year of the policy and 75% of the Sum Assured on the 5th year of the policy plus Guaranteed Addition.
For 10 years Term-30% of the Sum Assured on the 3rd and 6th year of the policy and 40% of the Sum Assured on the 9th Year of the policy with 1 Year free insurance cover with GA on the 10th year.
For 15 years Term-25% of the Sum Assured on the 3rd, 6th, 9th, 12th and free insurance cover for 3 years with Guaranteed Addition on 15th year.
For 20 Years Term-25% of the Sum Assured on the 4th, 8th, 12th, 16th and free insurance cover for 4 years with Guaranteed Addition on 20th year.
For 25 Years Term-20% of the Sum Assured on the 4th, 8th, 12th, 16th, 20th, and 5 Years free insurance cover with Guaranteed Addition on 25th Year.
Death Benefit:Sum Assured + Guaranteed Addition and Death Benefit due to accident (If availed): Sum Assured + Accident Benefit + Guaranteed Addition.
Tax Exemption-50% tax rebate on total premium paid annually.
Special Features-*Death benefit will be full Sum Assured plus Guaranteed Addition paid without deductions of any Survival Benefit paid earlier. *Free Insurance cover of 1 year, 3 years, 4 years, 5 years for 10, 15, 20, 25 years policy terms respectively.Death benefit will be full Sum Assured plus Guaranteed Addition paid without deductions of any Survival Benefit paid earlier.

Survival Benefit – Sum Assured plus Bonus
Sum Assured plus bonus in the event of policyholder’s untimely demise during the term
Sum Assured guaranteed in the event of policyholder’s untimely demise after the term
Accident Benefits available with the payment of an additional premium
Disability Benefit
Premium Waiver in the event of policyholder’s disability
50% Tax Waiver

Monetary returns for 15 Year Term – 30% of the Sum Assured on the 4th & 8th year. 40% of the Sum Assured on the 12th Year. Three years of free insurance coverage. Plus bonus on the 15th year.
Monetary returns for 20 Year Term – 25% of the Sum Assured on the 4th, 8th, 12th & 15th year. Five years of free insurance coverage. Plus bonus on the 20th year.
Monetary returns for 25 Year Term – 20% of the Sum Assured on the 4th, 8th, 12th, 15th, & 18th Year. Free insurance for seven years plus bonus on the 25th year.
Sum Assured + Bonus + return of premiums in the event of untimely demise of the policyholder.
Double the SA + bonus + return of all premium in the event of demise due to accident if Accident Benefit is availed.
50% Tax Rebate