Himalayan Anmol Ratna Bal (Sawadhik) Jeevan Beema

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.

• Minimum Sum Assured NPR 50,000; Maximum NPR 5,000,000
• Entry Ages: Child - Newborn to 17; Proposer - 18 to 55
• Maximum maturity age: Child 27, Proposer 82
• Policy term: Min 10 years, Max 27 years
• Payment modes: Yearly, Half-yearly, Quarterly
• 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

• Child savings plan — SA + vested bonus at maturity
• Premium waiver on proposer’s death
• Deferred risk commencement (2 years or after child turns 6)
• Payment modes: Yearly / Half-yearly / Quarterly
• Minimum Sum Assured NPR 50,000