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Product Information
Saving And Investment Plans Kotak POS Bachat Bima
This plan presents a simple savings and protection oriented plan, which provides all guaranteed benefits while giving life insurance cover. The plan provides options for life insurance coverage to suit your needs along with providing guaranteed benefits. The plan is not only simple to understand but also will be easy to purchase.


  • Plan options to choose from – Life & Life Plus
  • Double protection cover on accidental death with Life Plus option
  • Guaranteed Yearly Additions accruing throughout the policy term
  • Guaranteed Loyalty Addition payable on maturity
  • Limited premium payment terms of 8 & 10 years
Entry Age (last birthday) : Min: 12 years Max: 45 years
Maturity Age (last birthday): Min: 28 years Max: 65 years
Policy Term (Fixed) : 16 years / 20 years
Premium Levels : Min: Rs 15,000 p.a.
Max: Based on maximum Basic Sum Assured capped at Rs.10 lakhs subject to Underwriting acceptance
Premium Payment Term (PPT) : Limited:
PPT Policy Term
8 years 16 years
10 years 20 years
Premium Payment Mode : Yearly, Half yearly, Quarterly, Monthly
Premium Modal Factor : Following modal factors will be used to calculate installment Premium: Yearly – 100% , Half yearly – 51% , Quarterly – 26% , Monthly – 8.8%
Basic Sum Assured : Will be derived based on Premium, Age, Policy Term and Plan Option chosen. Maximum Basic Sum Assured : Rs.10 Lacs per Life Insured