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LIC Bima Kavach Plan (No. 887): The Ultimate Term Insurance With ₹2 Crore Minimum Cover & Protection Till Age 100

LIC Bima Kavach 887

LIC Bima Kavach (Plan 887): Complete Review, Benefits, Features & Premium Details

If you’re searching for a powerful, high-coverage term insurance plan, the new LIC Bima Kavach (Plan No. 887) is one of the biggest launches of 2025.
With a minimum sum assured of ₹2 crore and coverage extending all the way to age 100, this plan is designed to secure your family’s financial future in the most robust way.

In this guide, you’ll get a complete, easy-to-understand breakdown of LIC Bima Kavach—features, eligibility, premium options, benefits, rider details, and more.

Let’s dive in!

What is LIC Bima Kavach (Plan 887)?

LIC Bima Kavach is a Non-Linked, Non-Participating, Pure Risk Term Insurance Plan introduced on 3 December 2025.
It provides financial protection to your family in case of the unfortunate death of the policyholder during the term.

Key Highlights

  • ✔ Minimum Sum Assured: ₹2,00,00,000

  • ✔ Maximum Sum Assured: No limit (subject to underwriting)

  • ✔ Maximum Age at Maturity: 100 years

  • ✔ Choice of Level or Increasing Sum Assured

  • ✔ Life-Stage Option to increase coverage during major milestones

  • ✔ Smoker & Non-Smoker premium rates

  • ✔ Available Online and Offline

This is one of the rare term plans in India offering coverage till age 100, giving long-term peace of mind.

Eligibility Criteria of LIC Bima Kavach (Table 887)

Feature Details
Minimum Entry Age 18 years
Maximum Entry Age 65 years
Minimum Maturity Age 28 years
Maximum Maturity Age 100 years
Minimum Basic Sum Assured ₹2 crore
Maximum Basic Sum Assured No limit
Policy Term 10 to 82 years (depending on PPT)
Premium Payment Option Single, Regular, Limited (5, 10, 15 yrs)

Death Benefit Options

LIC Bima Kavach offers two powerful options:

1. Level Sum Assured

  • Coverage remains constant throughout the policy term.

  • Ideal for people who want simplicity and predictable protection.

2. Increasing Sum Assured

  • Sum Assured increases by 10% yearly from policy year 6 to 15.

  • Maximum cap = 200% of the Basic Sum Assured.

  • Ideal for tackling inflation and rising cost of living.

Life-Stage Benefit Option (A Major Advantage)

This is one of LIC’s most appealing features in the new Bima Kavach.

Available if:

  • Age ≤ 40 at entry

  • Regular premium + Level Sum Assured option chosen

  • Standard life underwriting

Increases Allowed

  • Marriage: +50% of Basic Sum Assured (max ₹2 crore)

  • Birth of 1st child: +25% (max ₹1 crore)

  • Birth of 2nd child: +25% (max ₹1 crore)

📌 No extra medical tests required—only documentation.
📌 Additional premium applies.

This option ensures your life cover grows as your responsibilities grow.

Optional Rider: LIC Accident Benefit Rider

You can add this rider (except in Single Premium policies) for enhanced protection.

Key Rider Benefits

  • Extra payout if death occurs due to an accident within 180 days.

  • Affordable premium: ₹0.50 per thousand SA (standard cases).

Premium Payment Options

You can choose from:

  1. Single Premium

  2. Regular Premium (yearly/half-yearly)

  3. Limited Premium Payment

    • 5 years

    • 10 years

    • 15 years

Important Plan Features You Should Know

1. Grace Period

  • 30 days for premium payment (Regular & Limited).

2. No Maturity Benefit

  • Pure protection plan.

  • No payout if the policyholder survives the term.

3. No Loan Facility

  • Term plans do not offer loans.

4. Surrender Value

  • Available only for Single Premium and Limited Premium modes (conditions apply).

Why LIC Bima Kavach is a Game-Changer

✔ Minimum ₹2 Crore Cover

Helps bridge the gap between rising living expenses and adequate protection.

✔ Coverage Up To Age 100

Few insurers offer such extended protection.

✔ Increasing Sum Assured Option

Perfect for inflation-adjusted financial security.

✔ Life-Stage Option

Helps align your policy with your evolving life.

✔ Smoker vs. Non-Smoker Rates

Non-smokers enjoy significantly lower premiums.

✔ Available Online via LIC Website

Saves money due to online discounts.

Who Should Buy LIC Bima Kavach?

This plan is ideal for:

  • Salaried individuals with dependents

  • Young earners starting long-term planning

  • Parents with growing financial responsibilities

  • Business owners needing high-value protection

  • Anyone seeking large coverage with long-term security

If you want a trustworthy term plan with flexible options, this is an excellent choice.

Conclusion

LIC Bima Kavach (Plan No. 887) is one of LIC’s strongest term insurance offerings—powerful, flexible, and built for modern families.
With a ₹2 crore minimum cover, coverage till age 100, and benefits like Life-Stage Option and Increasing Sum Assured, it provides unmatched long-term financial protection.

If you want a policy that keeps your family financially secure even in the worst-case scenario, LIC Bima Kavach is absolutely worth considering.

FAQs (SEO-Optimized)

1. What is the minimum sum assured under LIC Bima Kavach?

The minimum cover is ₹2 crore, which makes it a high-protection plan.

2. Can I increase my coverage later?

Yes. Using the Life-Stage Option, you can increase the cover during marriage or childbirth events.

3. Does LIC Bima Kavach have a maturity benefit?

No. It is a pure term insurance plan.

4. Is a medical test required?

A urinary Cotinine test is required if you want Non-Smoker premium rates.

5. Can I buy LIC Bima Kavach online?

Yes, it’s available both online and offline.

Suggested YouTube Video :- 

“LIC Bima Kavach Plan 887 Explained: Benefits, Features, Premium .

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