Himalayan Anmol Ratna Bal (Sawadhik) Jeevan Beema
ChildPopular
Sum assured
Rs 50,000
Premium / yr
On request
Term
10–27 yrs
Entry age
18–55
About this plan
Child savings-cum-life plan providing sum assured plus vested bonus at maturity. Includes premium waiver on proposer’s death and benefits for insured child and proposer deaths; surrender, paid-up and loan facilities available.
What's included
Key highlights
- Child savings plan — Sum assured + vested bonus at maturity
- Premium waiver on proposer’s death
- Deferred risk commencement (2 years or after child turns 6)
- Minimum Sum Assured NPR 50,000
Features
- Minimum Sum Assured NPR 50,000; Maximum NPR 5,000,000
- Risk commencement: After 2 years from start or from policy anniversary after child completes age 6, whichever is later
- Maturity benefit: Sum Assured plus vested bonus
- Death of insured child: before risk commencement refund of premiums; after commencement 25% of SA + vested bonus or total premiums paid/paid-up value, whichever higher
- On proposer’s death: Premium Waiver Benefit (PWB) and Monthly Income Benefit (MIB)
- Optional riders: accidental death/TPD rider and funeral expense rider
- Surrender, paid-up and loan facilities as per policy
Eligibility & term
- Entry age
- 18 – 55 years
- Policy term
- Minimum 10 years - Maximum 27 years
Declared bonus
Rs 18–86 / 1,000
FY 2081/82
Declared range for the fiscal year shown — the exact rate depends on the plan and term. Rates are revised annually and are not guaranteed for future years.
Optional riders
Accidental death (ADB)PTD / PWBCritical illness (CI)
Other plans from Himalayan Life Insurance
Premium
Quote on request