An in depth LIC Bima Kavach assessment with options, premiums, execs, cons, and comparability with LIC Digi Time period & LIC New Tech-Time period. Discover the most effective LIC time period plan for you.
LIC has launched its newest pure time period insurance coverage plan, Bima Kavach (Plan 887), on third December 2025. Each time LIC releases a brand new product, it creates curiosity—and rightly so. Many ask:
- How does it differ from current LIC time period plans like Digi Time period and New Tech-Time period?
- Is it value shopping for for younger professionals or high-income earners?
- Are premiums reasonably priced in comparison with different LIC plans?
This complete LIC Bima Kavach Evaluate solutions all of those in easy, sensible language.
LIC Bima Kavach Evaluate: New Time period Plan In contrast with Digi & Tech-Time period
What’s LIC Bima Kavach?
LIC Bima Kavach is a pure time period insurance coverage plan:
- Gives solely dying profit
- No maturity payouts, bonuses, or market-linked returns
- Provides high-value protection, beginning at Rs.2 crore, with no higher restrict
Not like investment-oriented plans, Bima Kavach focuses totally on safety, making it very best for people trying to financially safe their household.
Key Options of LIC Bima Kavach
1. Excessive Minimal Sum Assured (Rs.2 Crore)
Not like different LIC time period plans (e.g., Digi Time period begins at Rs.50 lakh), Bima Kavach targets high-income earners who require important life protection. Therefore, clearly this product isn’t meant for all and just for these whose want is greater than Rs.2 Crore can look into this product.
2. Broad Entry Age (18–65 Years)
LIC permits people as much as 65 years to enter.
Tip: Shopping for time period insurance coverage at older ages will increase premium; it’s usually very best for ages 25–50.
3. Loss of life Profit Choices
- Stage Sum Assured: Mounted protection all through coverage time period
- Rising Sum Assured: Protection will increase 10% per 12 months from 12 months 6 to fifteen, then stays fixed
That is helpful for these whose monetary tasks develop over time.
4. Life Stage Profit
You may improve protection throughout:
- Marriage
- Start of first baby
- Start of second baby
- Shopping for a house
No medical exams required, however situations apply:
- Just for Stage Sum Assured
- Solely beneath common premium
- Provided that age ?40
Instance:
A Rs.2 crore coverage at age 30 might improve to Rs.4 crore over life occasions.
5. Versatile Premium Fee
- Common Pay
- Restricted Pay (5/10/15 years)
- Single Premium
6. Decrease Premiums for Ladies & Non-People who smoke
Particular charges make this plan extra accessible.
7. Protection as much as 100 years!!
Do you want time period life insurance coverage protection as much as 100 years of age? NO. It appears the product is launched to compete with personal life insurers who’re providing the time period insurance coverage as much as 100 years of your age. Time period Life Insurance coverage is waste product when you flip financially impartial or nobody is financially depending on you. Therefore, to the max shopping for as much as your 65 years of age is sufficient (which is already obtainable with current on-line time period plans of LICs like Digi Time period and New Tech Time period).
Particular charges make this plan extra accessible.
8. On-line & Offline Availability
Buy by:
- LIC ANANDA portal (digital)
- LIC brokers or branches (offline)
Comparability of LIC Bima Kavach (Plan 887) Vs LIC Digi Time period (Plan 876) Vs LIC New Tech-Time period (Plan 954)
LIC Digi Time period (Plan 876)
LIC New Tech-Time period (Plan 954)
LIC Bima Kavach (Plan 887)
- Minimal SA: Rs.2 crore | Max SA: No restrict
- Entry Age: 18–65
- Life Stage Profit for protection improve
- Max maturity age: 100 years
- Highest premium
- Finest for high-income people needing giant cowl
Premium Comparability (Illustration)
Profile: 30-year-old male, non-smoker, Rs.2 crore, 20-year time period, common premium
| Plan | Annual Premium |
| LIC Digi Time period | Rs.13,160 |
| LIC New Tech-Time period | Rs.16,380 |
| LIC Bima Kavach | Rs.17,575 |
Statement: Digi Time period is the most affordable (~35% decrease than Bima Kavach), making it very best for cost-conscious younger consumers.
Who Ought to Purchase LIC Bima Kavach?
- Excessive-income earners wanting minimal Rs.2 crore cowl
- People planning life-stage protection will increase
- Consumers needing protection as much as age 100 (NOT REQUIRED. It’s only a gimmick)
- Individuals comfy paying barely larger premium for flexibility
In case your aim is lowest premium – select Digi Time period.
If you’d like riders – select New Tech-Time period.
Fast Choice Information
| Precedence | Really useful Plan | Why |
| Lowest premium | LIC Digi Time period | Most cost-effective on-line plan |
| Riders & flexibility | LIC New Tech-Time period | Unintentional/Vital sickness riders |
| Excessive cowl + life-stage profit | LIC Bima Kavach | Protection will increase with out medicals |
| Offline buy | LIC New Jeevan Amar | Agent-led steerage |
FAQs — LIC Bima Kavach Evaluate
1) What’s LIC Bima Kavach?
A pure time period insurance coverage plan (Plan 887) providing dying profit solely, beginning at Rs.2 crore.
2) Is LIC Bima Kavach higher than Digi Time period?
Is determined by your want: Digi Time period is cheaper; Bima Kavach is healthier for top cowl and life-stage profit.
3) What’s the premium for Rs.2 crore cowl?
Approx. Rs.17,575 per 12 months for a 30-year-old male non-smoker.
4) Who can buy LIC Bima Kavach?
Excessive-income earners needing giant protection or planning life-stage protection will increase.
5) Can protection be elevated later?
Sure, by way of the Life Stage Profit throughout marriage, childbirth, or residence buy.
6) Most maturity age?
As much as 100 years, the longest amongst LIC time period plans.
7) On-line/offline buy obtainable?
Sure, by way of LIC ANANDA portal or LIC brokers/branches.
8) Does it provide maturity advantages?
No. It’s a pure safety plan.
Remaining Verdict
LIC Bima Kavach is a robust addition to LIC’s time period insurance coverage portfolio.
- It’s very best for high-income earners needing minimal Rs.2 crore cowl
- Life-stage profit is a novel benefit
- Premium is larger than Digi Time period
For many younger professionals, Digi Time period stays essentially the most cost-effective choice. Select a plan based mostly in your age, premium affordability, and protection wants. And keep in mind—shopping for time period insurance coverage as we speak secures your loved ones’s monetary future tomorrow. Evidently this product is launched to compete with personal life insurers who’re providing the time period life insurance coverage for as much as 100 years of age. Therefore, as you don’t want the protection as much as 100 years of your age and premium can be excessive on this product, simply dumping this and going with the Digi Time period is much superior.
