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A fixed % of the Single Premium amount paid gets added to the Policy Unit Fund after completion of a specific number of year
This article gives an insight as to how healthcare insurance policy premiums are collected by Insurance companies which will be useful for any layman.
LIC Amritbaal policy is a non-participating product under which benefits payable on death or survival are guaranteed and fixed irrespective of actual experience. So, the policy is not entitled to any discretionary benefits such as bonus or share in Surplus