उपहार + मनी-ब्याक
प्रवेश उमेर
18–54 वर्ष
न्यूनतम बीमा रकम
रु. 500,000
अधिकतम CI राइडर
रु. 2,500,000
Coverage
रु. 5 लाख (NPR 5 Lakh)
Based on Source of Income
Description
Himalayan Jeevan Upahar is a money-back cum endowment life plan that issues an equal endowment 'Upahar' policy at the first anniversary at no cost. At maturity the product pays combined benefits of the base and Upahar policies along with earned bonuses.
Features
- Money-back cum endowment structure
- Free equal endowment 'Upahar' policy at first policy anniversary
- Maturity benefit: 25% of base sum assured + 100% of Upahar sum assured plus bonuses
- High death benefits with differing treatment before/after first anniversary
- Optional riders: ADB, TPD/PW, Critical Illness, Personal Accident
Highlights
- Free Upahar policy after first anniversary
- Minimum sum assured NPR 500,000
- Critical Illness rider up to NPR 2,500,000
Life Insurance Details
Money Back Policy
Available Riders
Accidental Death Benefit (ADB) – up to basic SA or max NPR 10,000,000 (whichever is less) – up to age 70
Total Permanent Disability & Premium Waiver (TPD/PW) – up to basic SA or max NPR 10,000,000 – up to age 70
Critical Illness (CI) – up to NPR 2,500,000 – up to age 65
Personal Accident Benefit (PAB) – personal accident & medical expenses up to NPR 5,000,000 – up to age 65
Eligibility
Age18 - 54 years
Policy TermBase (PJUP): policy term 16 years; Upahar: 15 years