स्वप्नांना सुरक्षा, भविष्याचे निर्माण

चाइल्ड सेव्हिंग्ज प्लान, तुमच्या मुलाच्या क्षमतेला अनलॉक करा

आमच्या चाइल्ड सेव्हिंग्ज प्लानसोबत तुमच्या मुलाच्या महत्वाकांक्षा अधिकाधिक उंची गाठतील याची शाश्वती करा. स्वप्नांना सत्यात आणण्यासाठी डिझाइन केलेला हा प्लान तुमच्या मुलाच्या उज्ज्वल आणि प्रगतीपर भविष्यासाठी तुमची वचनबध्दता आहे, जी त्यांचा विकास करणारे सुरक्षा कवच देते.

शैक्षणिक टप्प्यांसाठी फंडिंग
पेआउटचे सोईस्कर विकल्प
प्रीमियम व्हेवर लाभ
बोनस मार्फत विकास
विस्तृत लाईफ कव्हर
कर लाभ
कस्टमाइझ करता येणारी पेमेंट्स
एकरकमी परिपक्वता लाभ

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What is a Child Insurance Plan?

Child education plans or child insurance plans are designed to help parents systematically save for their child's future education while providing financial security. They must contribute to the plan through regular or single premium payments over a chosen term. At maturity, the child receives a lumpsum amount to fund their education.

In the unfortunate event of a parent's death, child education plans offer comprehensive support. The life insurance benefit provides immediate financial assistance to the family. The insurer waives the remaining premium payments, and the child receives regular payouts to cover educational expenses. It can ensure that the child's education continues uninterrupted.

Furthermore, these plans can offer flexibility, allowing policyholders to customise payout options to align with important milestones in their child's education journey. The premium to be paid into the plan for the chosen coverage can be estimated based on other relevant details using a child plan calculator.

Why Do You Need a Child Education Plan?

The best child education plan is a valuable tool designed to help parents proactively address the financial aspects of their child's educational journey. Such thoughtfully designed plans can provide a structured framework for saving and investing specifically for your child's future education needs.

Child education plans offer a range of valuable benefits that extend beyond simple savings:

Safety Net

Some child education plans may come with a feature known as "Partial Withdrawal." The feature allows parents to access a portion of their accumulated funds in times of need, providing crucial financial flexibility and peace of mind. Typically, this feature becomes available after the plan has been in effect for a certain number of years, depending on the terms and conditions of the insurer.

Rising Education Costs

The rising cost of education is a significant concern for many families. By investing in a child education plan best suited for their offspring, parents can effectively combat the impact of inflation. The returns generated by the plan can help cover the ever-increasing costs associated with education.

Collateral for Education Loans

When applying for education loans, a child education plan can serve as valuable collateral. The presence of this collateral can significantly enhance the loan application process. Lenders may be more inclined to offer more favourable terms, such as lower interest rates, to borrowers who can provide collateral.

Support for future Educational Aims

A primary objective of choosing the best child education plan is to ensure that your child's educational aspirations are fulfilled. In the event of an unforeseen circumstance, the plan acts as a crucial safety net. At maturity, the plan typically provides a substantial lump sum payout that can be used to fund your child's education. This financial security can ensure your child's educational journey remains on track, regardless of any unforeseen challenges.

Investment Potential

Child education plans offer the potential for significant investment growth. They can often provide flexibility in investment options. As a result, parents get to choose from a range of investment avenues, such as equity funds, debt funds, or a combination of both. By investing with a long-term perspective, parents can leverage the power of compounding. By doing so, they can generate substantial returns that can significantly contribute to their child's future educational needs.

Using a child plan calculator, you can understand the investment you may have to put into these plans to buy the coverage you seek.

Key Features of Child Insurance Plans

Child education plans offer a combination of life insurance and investment features designed to secure your child's financial future. They can provide financial support in unfortunate circumstances. They let hard-earned money stay invested and grow, so that it can fund future aspirations that tie to education.

The following features make child education plans a valuable tool for parents looking to secure their child's financial future and provide them with the best possible opportunities for success.

शैक्षणिक टप्प्यांसाठी फंडिंग

शैक्षणिक खर्चांसाठी गॅरंटेड चाइल्ड इन्श्युरन्स प्लान पेआउट्स, जे उज्ज्वल शैक्षणिक भविष्याची खात्री देतात.

पेआउटचे सोईस्कर विकल्प

तुमच्या मुलाच्या जीवनातल्या महत्वाच्या घटनांना जुळतील असे चाइल्ड प्लान्स जे आर्थिक सोय देतात.

प्रीमियम व्हेवर लाभ

अनपेक्षित घटनांच्या स्थितीत, भविष्यातले प्रीमियम माफ केले जातात, चाइल्ड पॉलिसी सक्रिय ठेवली जाते.

बोनस मार्फत विकास

संभाव्य बोनस पॉलिसीचे मूल्य वाढवतात, तुमच्या मुलाच्या महत्वाकांक्षांना मोठ्या रकमेचे योगदान देतात.

विस्तृत लाईफ कव्हर

तुमच्या उलाच्या आर्थिक सुरक्षेची इन्श्युरन्स संरक्षणासोबत असलेलीए खात्री मन:शांती देते.

कर लाभ

भरलेल्या प्रीमियम्सवर आणि मिळालेल्या लाभांवर कर कपातींचा आनंद घ्या, तुमच्या बचतीमध्ये सुधारणा करा.

कस्टमाइझ करता येणारी प्रीमियम पेमेंट्स

तुमच्या आर्थिक नियोजनाला साजेसे प्रीमियम पेमेंट लाकावधी निवडून तुमच्या गुंतवणूकींना सहजपणे व्यवस्थापित करा.

Benefits of Investing in a Child Insurance Plan

By contributing to a child education plan, parents are not only accumulating savings but also strategically investing their funds. The best child plans are designed to generate returns that can help parents meet their child's educational goals, whether it's funding tuition fees at a prestigious university, covering the costs of specialized programs, or supporting educational travel experiences.

When you purchase a child plan, you can expect the following benefits from it:

लवकर सुरुवात, मोठा लाभ: लवकर गुंतवणूकी करुन मोठे कॉर्पस सुरक्षित करा, तुमच्या मुलाच्या भविष्यासाठी कंपाउंडिंगला चालना द्या.
गॅरंटेड शिक्षण निधी: महत्वाच्या टप्प्यांवर अडचण विरहित शिक्षणाची चाइल्ड इन्श्युरन्स प्लान गॅरंटेड पेआउट्ससह शाश्वती द्या.
भविष्याची सुरक्षा, कोणतीही तडजोड नाही: अनपेक्षित घटनांच्या स्थितीत तुमच्या मुलाच्या गरजांसाठी आर्थिक सुरक्षा देते.
पेआउटचे सोयीस्कर विकल्प: शैक्षणिक टप्पे किंवा जीवनातल्या महत्वाच्या घटनांशी जुळणारे साजेसे पेआउट्स
प्रीमियम व्हेवर लाभ: पॉलिसीधारकाच्या मृत्यूनंतर, विमा प्रदाता प्रीमियम भरणे सुरु ठेवण्यासह मुलाच्या पॉलिसीची निरंतरता शाश्वत राहते.
बोनस सोबत सुधारीत बचती: बोनस परिपक्वता लाभ वाढवतात, ज्यामुळे अतिरिक्त आर्थिक समर्थन दिले जाते.
कर बचत लाभ: प्रीमियम्स आणि मुलांसाठीच्या कर मुक्त परिपक्वता लाभांसाठी लाईफ इन्श्युरन्सवर कर कपातींचा आनंद घ्या.
कस्टमाइझ करता येणारे आर्थिक नियोजन: कालावधी समायोजित करा आणि तुमच्या आर्थिक उद्देशांना जुळणारे रायडर जोडा.

Tax Advantages of a Child Education Plan

The Income Tax Act of 1961 offers significant tax advantages to individuals investing in child education insurance plans.

Tax Deductions on Premiums

Under Section 80C of the Income Tax Act, premiums paid towards a child education insurance plan are eligible for tax deductions. The premiums paid for a life insurance policy specifically designed for child investment purposes can be deducted from your taxable income up to a maximum limit of Rs. 1,50,000. It can effectively reduce your overall tax liability, providing you with immediate financial benefits.

Tax-Free Maturity Benefits

Section 10(10D) of the Income Tax Act provides tax-free maturity benefits under certain conditions. If the annual premiums paid towards the child insurance plan adhere to specific limits, the maturity benefits received upon the successful completion of the policy term or in the unfortunate event of the parent's demise will be exempt from income tax. The limits are set at Rs. 2,50,000 for Unit Linked Insurance Plans (ULIPs) and Rs. 5,00,000 for other types of child education insurance plans, subject to the fulfilment of specific conditions outlined in the Act.

Types of Child Plans

When choosing a child education plan, parents have a range of options to consider, each with its own unique features and benefits:

Child Unit Linked Insurance Plans (ULIPs)

Child ULIPs offer a unique blend of insurance and investment. A portion of the premium paid is allocated towards providing life insurance coverage for your child, similar to traditional child education plans. The remaining portion is invested in a diversified portfolio, typically comprising a mix of equity and debt instruments.

Child Savings Plans

These plans are designed for parents who prioritize safety and stability. Chid savings plans typically offer a guaranteed return on investment, eliminating the risk associated with market fluctuations. They often combine life insurance coverage, maturity benefits, and tax benefits within a single comprehensive policy.

Capital Guarantee Solutions

They are specifically designed to offer a high degree of security for parents' investments. Capital Guarantee Solutions typically guarantee the return of the initial investment amount, providing a safety net against potential market downturns. While the potential for high returns may be somewhat limited compared to more market-linked options, Capital Guarantee Solutions can offer peace of mind for parents who prioritize capital preservation.

Guaranteed Return Plans (Traditional Plans)

Traditional Guaranteed Return Plans offer a straightforward and predictable investment approach. As the name suggests, these plans guarantee a specific rate of return upon maturity. They can ensure that your child's future financial needs are met with a certain level of certainty. Traditional Plans are often considered a suitable option for risk-averse parents who prioritize stability and predictability.

How Do Child Plans Work?

A parent/guardian makes the decision of purchasing a child plan in India that can help cover their child’s higher education needs in the future.

They specify the amount of money they are willing to invest into the plan, for a certain period.

The insurer considers these details, along with other types of information, such as the current age of the child and the background of the family.

The parent/guardian agrees to the premium terms and frequency of the policy, and the policy then commences after the insurer’s approval.

The parent/guardian is assured that on the basis of the inflation rate and other relevant factors, a certain amount (high in value) will be received once the tenure ends (policy maturity).

In the future, the same amount can be used to fund the educational needs of the child.

In case of the unfortunate passing away of the parent (insured individual), the child will receive life insurance coverage and any other benefit (such as waiver of premiums) on the basis of the pre-approved terms and conditions set in the policy by the insurer.

What is Life Cover and Why is it Important in Child Plans?

The life cover offered by a child plan is a pre-determined amount paid out to the child/beneficiary when something unfortunate happens to the insured individual (parent/guardian).

In a child plan, the life cover serves the following purposes:

Securing Your Child's Future

The primary function of life cover within a child insurance plan is to ensure the continued financial well-being of your child even in your absence. This financial support can be utilized to cover a wide range of essential expenses, such as higher education, life goals, and general living expenses.

Cultivating Peace of Mind

Knowing that your child's financial future is secure provides parents with invaluable peace of mind. The knowledge that your child's education and other essential needs will be adequately met, even in your absence, allows parents to focus on other important aspects of their lives.

A sense of security can significantly reduce parental anxieties and allow parents to enjoy a more fulfilling and stress-free life. They can rest easy knowing they have taken practical steps to protect their child's future.

Cost-Effectiveness

Life cover within a child education plan offers a highly cost-effective means of ensuring long-term financial security for your child. By combining life insurance policy benefits with savings and investment components, these plans can provide affordable and comprehensive financial protection.

Parents have the flexibility to customize the life cover amount according to their individual financial circumstances and their child's specific needs. It allows parents to tailor the plan to their specific requirements.

How much money should you allocate for a Child Insurance Plan?

Providing your child with a quality education is a top responsibility, and the soaring costs associated with education demand careful financial planning.

To determine the optimal investment amount, consider the following steps:

Clearly Define Your Educational Goals

Begin by clearly defining your educational goals for your child. It may involve identifying specific universities, desired fields of study, and the anticipated duration of the educational program.
Estimate Future Inflation Rates

Education costs are subject to significant inflation. Carefully estimate the likely inflation rate during the period when your child will be pursuing their education. It will help you accurately project the future cost of education.
Assess the Expected Rate of Return

Evaluate the expected rate of return on your chosen child insurance plan. It will help you determine how quickly your investments are likely to grow and whether they will be sufficient to meet your child's future educational needs.

Given the significant impact of inflation on education costs, it is crucial to begin planning and investing for your child's education as early as possible. Early planning allows you to take advantage of the power of compounding and maximize the growth of your investments over time.

How to choose the right child insurance plan?

Selecting the most appropriate child education plan requires careful deliberation. To ensure you make an informed decision, consider the following key factors:

Comprehensive Protection

A truly comprehensive child education plan should offer benefits for maximum protection. These benefits typically include:

Life Cover for the Parent
Waiver of Premiums
Monthly Income for the Child

The combination of benefits provides comprehensive financial security for your child and ensures that their future remains secure.

Flexibility and Convenience

Selecting the most appropriate child education plan requires careful deliberation.

Partial Withdrawal Options
Premium Payment Options
Policy Term Flexibility

Financial Stability and Reliability

Select a financially stable and reputable insurance company with a strong track record of claim settlements. It ensures that the insurance company will be able to fulfil its obligations and provide the promised benefits when needed.

Investment Options

If you are comfortable with a degree of market risk, consider market-linked child education plans. The plans typically offer a range of investment options, such as equity funds, debt funds, and balanced funds. It allows you to choose an investment strategy aligning with your risk tolerance and investment objectives.

The earlier you begin investing in your child's education, the greater the potential for long-term growth. Early investments allow you to leverage the power of compounding, enabling your savings to grow significantly over time. It provides greater financial flexibility and freedom in making future financial decisions.

What is Not Covered in a Child Education Plan?

When purchasing any policy, carefully review the policy documents to fully understand the specific exclusions and limitations that are applicable.

The following conditions are usually excluded in most policies:

Suicide Before 12 Months of Policy Commencement
Death Due to Drug Overdose or Excessive Alcohol Consumption
Death Due to War or Civil Commotion
Participation in Hazardous Activities
Involvement in Criminal Activities

How to Buy a Child Education Plan?

टप्पा1

तुमची आर्थिक उद्दिष्टे निश्चित करा

तुमच्या मुलाच्या शिक्षणाला तुम्ही देण्याचे निश्चित केलेले आर्थिक समर्थन आणि महत्वाच्या टप्प्यांना चाइल्ड सेव्हिंग्ज प्लानसोबत निर्धारीत करा.

टप्पा2

तुमचा प्लान कस्टमाइझ

करा ऑनलाइन कॅल्क्युलेटर वापरुन प्रीमियमचा, चाइल्ड इन्श्युरन्स प्लान पॉलिसी कालावधीचा निर्णन घ्या आणि परिपक्वता लाभांची कल्पना करा.

टप्पा3

अनुरुप ऍडऑन्स प्रीमियम व्हेवर किंवा

गंभीर आजार कव्हर यासारखे अतिरिक्त लाभ निवडा, ज्यामुळे चाइल्ड पॉलिसी संरक्षण सुधारेल.

टप्पा 4

पेमेंट आणि पुष्टी

तुमचे निवेदन पूर्ण करा आणि सहज ऑनलाइन पेमेंट प्रक्रियेसह तुम्ही निवडलेल्या चाइल्ड इन्श्युरन्स पॉलिसीने तुमच्या मुलाचे भविष्य सुरक्षित करा.

Documents Required for Buying Children's Insurance Plans

Depending on the policy chosen and the regulations set by the Indian insurance sector, the following documents may be required to purchase a children's insurance plan:

Identity proof (passport, Aadhaar card, voter ID card, driving licence)
Proof of age
Proof of income

What is the Process to Raise A Claim for Children Insurance Plans?

In most cases, the process of applying for claims will follow the below steps.

Step 1: Notify the Insurance Company

The first step is to inform the insurance company about your intention to file a claim. You can do this through various channels:

Phone Call
Email
In-Person Visit

Step 2: Complete the Claim Form

The next step involves obtaining and completing the necessary claim forms. You may simply have to:

Download the form
Obtain a physical copy
Fill out all the necessary details (information about the policyholder, the child, the active policy, and the claim)

Step 3: Submit Required Documents

Along with the completed claim form, you may need to submit any or all of the following essential documents:

Death Certificate
Medical Reports
Identity Proofs

Any other supporting documents as may be required by the insurance company will also have to be provided.

Step 4: Insurance Company Investigation

Once you have submitted the claim form and supporting documents, the insurance company will initiate an investigation to verify the validity of the claim.

It may involve:

Reviewing the submitted documents
Conducting an investigation
Appointing a Surveyor

Step 5: Claim Settlement

Upon successful completion of the investigation and approval of the claim, the insurance company will proceed with the claim settlement. The approved claim amount will be disbursed to the designated beneficiaries through a direct bank transfer or other alternative methods.

Why Plan Early for Your Child's Education?

Planning early planning for your child's education offers numerous benefits that extend beyond simply accumulating funds.

Taking advantage of the Power of Compound Growth: Starting early allows your investments to benefit significantly from the power of compounding. This powerful principle lets your initial investment earn returns, and those returns then generate further returns.
Beating Inflation: Education costs are consistently rising due to inflation. Regular and consistent contributions to an education fund allow your investments to grow at a pace beating inflation. It ensures that your savings maintain their purchasing power over time.
Reducing Financial Stress: Early planning and consistent saving significantly reduce the financial stress and anxiety associated with funding your child's education. You can approach your child's educational expenses with a sense of calm and confidence, knowing that you have proactively planned and saved for their future.
Exploring Educational Options: Early planning provides you with the time and financial flexibility to explore a wider range of educational options for your child. You can research different institutions, consider various academic programs, and potentially even explore international education opportunities.

Things to Consider While Buying the Child Education Plan

Selecting the right child education plan is a crucial decision for every parent.

The Power of Early Investment

Starting early is vital when investing in your child's future. The concept of compounding, where your returns generate further returns, plays a significant role. By beginning early, you allow your investments ample time to grow substantially. It can maximize the potential returns and ensure a larger sum to support your child's aspirations. Ensure the plan you opt for provides returns that take advantage of the power of compounding.

Tailoring Investments to Your Needs

The market offers a variety of investment options within child education plans. These plans often allow you to choose from different asset mixes, such as:

Equity Funds
Debt Funds
Balanced Funds

By carefully selecting an asset combination aligning with your risk tolerance and investment goals, you can optimize your investment strategy.

The Importance of Premium Waiver

When evaluating child education plans, always prioritize those that include a premium waiver benefit. This crucial feature ensures that if the policyholder (the parent) unfortunately passes away, the insurance company will assume responsibility for paying all future premiums. This safeguard ensures that your child's financial security remains intact, even in the face of unforeseen circumstances.

The Value of Partial Withdrawal Options

Flexibility is key when it comes to child education planning. Look for plans offering partial withdrawal options, allowing you to access a portion of the accumulated funds during the policy term. The flexibility proves invaluable for meeting significant milestones and addressing unexpected emergencies.

Why Choose IndiaFirst Life?

At IndiaFirstLife, you can choose from various premium paying terms also choose the payout options according to your choice.

Trusted by 1.6 Crore Customers for their life insurance policy

Promoted by Bank of Baroda

High Claim Settlement Ratio of 98.04%

Seamless Online and Offline Experience

100% Genuine Claims are Settled in 1 day.

Myths Associated with Child Insurance Plans

There are several common misconceptions surrounding child insurance plans that need to be addressed:

1. Child Insurance Plans Do Not Insure the Child

Child insurance plans primarily focus on securing the child's future in the event of the parent's untimely demise. While the child is the beneficiary, the life insured is the earning parent. These plans are designed to provide financial support to the child, enabling them to fulfil their educational aspirations and other life goals in the absence of the parent's income.

2. Child Insurance Plans Only Cover the Educational needs

The best child insurance plans offer a comprehensive range of benefits. While education is a primary focus, the insurance payouts can be utilized by the child for various purposes, including:

Higher Education: Funding college tuition, living expenses, and other educational expenses.
Life Goals: Supporting the pursuit of personal and professional aspirations, such as starting a business, travelling the world, or pursuing further education.
General Living Expenses: Providing financial stability to cover daily living expenses and ensuring the child's overall well-being.

3. Child insurance plans come with long lock-in periods

Child insurance plans offer a degree of flexibility in terms of policy terms. Options range from 5 to 25 years, depending on the plan and the insurer. Furthermore, many plans allow for partial or full withdrawals from the accumulated funds. They can provide flexibility to address unforeseen financial needs or significant life events.

Child Insurance Plan FAQs

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चाइल्ड प्लानची प्राथमिक तत्वे

प्रीमियम आणि पेमेंट्स

आश्वस्त रक्कम

अतिरिक्त लाभ

कर लाभ

पॉलिसीच्या अटी आणि शर्ती

चाइल्ड प्लान्स काय आहेत आणि त्यांची कोणाला आवश्यकता असते?

Answer: चाइल्ड प्लान एक विशेष चाइल्ड इन्श्युरन्स प्लान आहे, तुमच्या मुलाच्या आर्थिक भविष्याला सुरक्षित करण्यासाठी, शिक्षण तसेच लग्नासारख्या महत्वाच्या टप्प्यांसाठी फंडाची शाश्वती देण्यासाठी याची रचना करण्यात आली आहे. आईवडिल आणि पालकांना त्यांच्या मुलांसाठी आर्थिक स्थैर्य देण्याच्या दृष्टीने हे अतिशय महत्वपूर्ण आहे.

मी प्रीमियम पेमेंट वारंवारता बदलू शकतो का?

Answer: हो, बहुतांश चाइल्ड प्लान सोईस्कर प्रीमियम पेमेंट विकल्प देतात जे तुमच्या आर्थिक पसंतीला साजेसे असतात, ज्यामध्ये मासिक, त्रैमासिक, अर्ध-वार्षिक किंवा वार्षिक पेमेंट्सचा आंतर्भाव असतो.

चाइल्ड प्लान्सचा खर्च किती असतो?

Answer: खर्च मुलाचे वय, आश्वस्त रक्कम आणि पॉलिसी कालावधीसारख्या घटकांवर आधारुन बदलतो. सामान्यपणे, प्रीमियम्स माफक दराचे असतात आणि तुमच्या बजेटशी जुळण्यासाठी अनुरुप करता येतात.

चाइल्ड प्लान्स परिपक्वता लाभ देतात का?

Answer: सर्वसामान्यपणे, जर पॉलिसीधारक पॉलिसीच्या कालावधीमध्ये जीवंत राहिला तर, चाइल्ड प्लान्स परिपक्वता लाभ देतात. या पेआउटचा उपयोग मुलाच्या आर्थिक गरजा पूर्ण करण्यासाठी करता येऊ शकतो.

चाइल्ड प्लानमध्ये की किती कव्हरेज निवडले पाहिजे?

Answer: तुमच्या मुलाच्या भविष्यातल्या आर्थिक गरजांना पुरेश्या प्रमाणात आंतर्भूत करणारी आश्वस्त रक्कम निवडण्याची शिफारस केली जाते, ज्यात शैक्षणिक खर्च, लग्नाचा खर्च आणि जीवनातल्या इतर उद्देशांचा समावेश असतो.

मी अतिरिक्त लाभांसह चाइल्ड प्लान कस्टमाइझ करु शकतो का?

Answer: हो, अनेक चाइल्ड प्लान्स वैकल्पिक रायडर्स किंवा ऍड-ऑन्ससह येतात, जे गंभीर आजार कव्हर, पॉलिसीधारकाच्या मृत्यूच्या स्थितीत प्रीमियम व्हेवर विकल्प किंवा अपघातात्मक मृत्यू पश्चातचा लाभ यासारखे सुधारीत संरक्षण देतात.

चाइल्ड प्लानसोबत काही कर लाभ निगडीत आहेत का?

Answer: हो, चाइल्ड प्लान्ससाठी भरलेले प्रीमियम आयकर अधिनियमाच्या कलम 80C अंतर्गत कर कपातीसाठी पात्र आहेत, या व्यतिरिक्त, परिपक्वतेची रक्कम कलम 10(10D) करातून माफ केली जाते, यामुळे चाइल्ड प्लान कराच्या दृष्टीने प्रभावी गुंतवणूक साधन ठरतात.

पॉलिसीच्या कोणत्या अटी आणि शर्ती मला माहित असल्या पाहिजेत?

Answer: चाइल्ड प्लानची खरेदी करण्याआधी पॉलिसीच्या अटी समजून घेणे महत्वाचे आहे, ज्यामध्ये अपवाद, सरेंडर मूल्ये, कर्ज सुविधा आणि वाढीव कालावधींचा आंतर्भाव असतो. संपूर्ण स्पष्टतेसाठी पॉलिसीच्या दस्तऐवजांचा काळजीपूर्वक आढावा घेण्याची खात्री करा.