༄༅།། འབྲུག་རྒྱལ་ཉེན་སྲུང་ལས་འཛིན་ཚད།
Royal Insurance Corporation of Bhutan Limited

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Life Insurance

The objectives of all Life Insurance plans are to make up for the financial loss to the family in the event of unfortunate death to the Assured and for old age provision. Farsighted, broad minded and unselfish people who really care for the dependents and family execute Life Insurance plans. The motive of Insurance is not to make profit out of ones death but to rescue the family from financial crises.

Some useful tips of Life Insurance

 Insure at a young age to lock in affordable rates and enjoy being insured for a longer duration.

 Policy lapses after the due date but a grace period is allowed as follows:

  • 15 days for Monthly and SSS modes of payment.
  • 30 days for Quaterly, Half-yearly and Yearly modes of payment

 Revival of a lapsed policy can be done anytime within a period of five (5) years from the date of         lapsation of a policy with the following conditions:

  • Lapsed for more than six months- Fill up a Declaration of Good Health Form- Revival Form (Form available from RICB offices).
  • Lapsed for more than twelve months- Fill up a Declaration of Good Health Form- Revival Form along with a Medical Examiner's Form- Doctor examines you (Forms available from RICB offices)

 When a policy is in lapsed status, life cover is not allowed. Kindly update your policies to enjoy all the       benefits of being a Life Insurance Policyholder.

 Female Proposal cannot be insured after six months of pregnancy but may be accepted under lien (50%      sum assured in case of claim within one year of policy inception) with full pregnancy report if regnant       below six months.

 Avail the facilities of getting SMS alerts in your cell phones by updating your numbers with the        RICB office. For correspondences to reach you, kindly intimate us your current mailing addresses.



Policy loans can be granted to a policyholder against his/ her policy provided the terms and conditions applicable to the policy so permit. Policy loans are paid from the surrender value calculated and maximum of 90% of the surrender value is payable as loan to the policyholder, except for TMN policies which is 65% of the surrender value.

The interest charged on the policy loan is 12%.

Documents required
   Loan Application Form along with Assignment Form (The policyholder has to assign                     the Corporation as Absolute Assignment)
   Original Policy Document or a dully issued duplicate document.
   Surrender Form.
   CID copy
   Discharge voucher has to be signed, witnessed & a revenue stamp has to be attached                     as well.

RICB In Other News

Rural Life Insurance Scheme Revised

The government has revised the existing Rural Life Insurance Scheme (RLIS) to Nu 30,000 from Nu 15,000..Read more in Kuenselonline ->

Our Address
Corporate Office: Post Box 315,
Norzin Lam, Thimphu
E-Mail: contactus@ricb.bt
Visitor count: web counter
Main Branch: Post Box 77;
Our Auditors
S. Jaykishan 12, Ho-chi-minh Sarani, Suite - 2D, Kolkata - 700071,Trinity Plaza, 6th floor, Unit 6A, 84/1A,
Topsia Road, Kolkata - 700046