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Sahara Kavach

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This plan has been withdrawn by the insurance company and is no longer available for sale.

Sahara Kavach Term Plan

Sahara Kavach is a vanilla term plan where the nominee would receive the sum assured if the life insured dies within the policy tenure but nothing is payable on maturity.


Key Features of Sahara Kavach


§  It is a pure Term Insurance Policy with Death Benefit only

§  Life Insured can be covered till 65 years age.

§  5 years is provided to the policyholder in case of revival of lapsed policies.



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Benefits you get from Sahara Kavach

Death Benefit – In case of death of the policy holder, the nominee gets the sum assured under the plan


Maturity Benefit – There are no maturity benefits under this plan.


Income Tax Benefit - Life Insurance premiums paid up to Rs.1,00,000 are allowed as a deduction from the taxable income each year under section 80C



Eligibility conditions and other restrictions in Sahara Kavach





Sum Assured (in Rs.)

5,00,000 and then in multiples of 50,000

No Limit

Policy Term (in years)



Premium Payment Term (in years)

Equal to policy term

Equal to policy term

Entry Age of Policyholder



Age at Maturity



Single premium (in Rs.)



Payment modes

Yearly, Half-Yearly, Quarterly and Monthly



Sample illustration of premium amount in Sahara Kavach


The below illustration is for a healthy Male (non-tobacco user) opting for a Sum Assured = Rs. 5 lakhs and Policy Term = 20 years

Sahara Kavach Term Plan Sample Premium Rates


Additional Features and Benefits of Sahara Kavach


Riders – No riders are available in this policy



What happens if?


You stop paying the premium - If the policy holder stops paying the premium, then the policy lapses and all benefits stop. You can however re-instate the policy within 5 years of lapsation by fulfilling the necessary requirements.


You want to surrender the policy – There are no surrender benefits under this term plan.


You want a loan against your policy – There is no loan facility in this plan.


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