ROYAL INSURANCE CORPORATION OF BHUTAN LIMITED
Drongseb Kuendrul Tshe-Sog Ngensung Icon

Drongseb Kuendrul Tshesog Ngensung

Drongseb Kuendrul Tshesog Ngensung, as the title suggests, is a loan care policy designed for the Loan Clients of Bhutan Development Bank Ltd. (BDBL) to help repay the client’s outstanding loan in the event of his or her sudden demise. 

The policy covers loan repayment of an amount equivalent to the Sum Assured. For example, if the loan client had insured with us for a Sum Assured of Nu 100,000 and had an outstanding loan of Nu 100,000 at the time of his or herdeath, we guarantee the full repayment of the outstanding loan of Nu 100,000.

BENEFITS
Protection Icon

Protection

Tax Rebate Icon

Tax Rebate

Disability Benefit Icon

Disability Benefit

Loan Repayment Icon

Loan Repayment

Eligibility Page default image
Eligibility
  • Entry Age: 18 – 60 years
  • Policy Term: 1 – 10 years
  • Sum Assured: Nu 10,000 -1,000, 000
  • Loan Clients of Bhutan Development Bank Ltd.
BENEFITS Page default image
Benefits
  • Death Benefit – Repayment of loan balance at the time of death
  • Disability Benefit, repayment of the loan balance in the event of disability
  • 50% Tax Waiver
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Proposal Checklist
Proposal Checklists
  • CID Copy
  • Proposal Form (Available on www.ricb.bt)
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Claim Checklists
Claim Checklists
  • Intimation Letter
  • Loan statement as on date of death and amortised schedule
  • Copy of Citizenship Identity Card of both the deceased and the nominee
  • Proof of Death (Death Certificate, a Letter from Ministry of Home & Cultural Affairs, Police or Gup in case of death outside hospital premises)
  • Ordinary Revival Form (available @www.ricb.bt) only if the policy has lapsed for less than one year.
  • Health Declaration Form (available @www.ricb.bt) if the policy has lapsed for more than one year
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Others
Others
  • Request for Duplicate Policy Document
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