IME Dhan Sarita Plus Jeevan Beema Yojana
In simple terms: you pay a fixed amount each year, and at the end of the term you get your cover amount back together with the bonus the insurer adds along the way. You also receive part of the cover amount at set points during the term, not only at the end. Pays 5% of Sum Assured annually on each policy anniversary. Death benefit: Full Sum Assured plus vested bonus. Survival benefit: 5% of SA each year; on maturity remaining SA plus vested bonus is paid. Flexible premium payment terms (Regular, Single, Limited). Optional riders available. Minimum Sum Assured NPR 400,000.
Maturity estimator
Estimated value at maturity
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Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 10-14 | Rs 30 | — |
| 15-19 | Rs 35 | — |
| 20-24 | Rs 38 | — |
| 25-29 | Rs 63 | — |
Recent years
- FY 2081/82
- Rs 30–63/ 1,000
- FY 2080/81
- Rs 22/ 1,000
- FY 2079/80
- Rs 22/ 1,000
- FY 2078/79
- Rs 20/ 1,000
- FY 2077/78
- Rs 30–70/ 1,000
Source: IME Life Insurance declaration for FY 2081/82
Bonus rates are declared annually and are not guaranteed. Past rates do not guarantee future rates.
What's included
Key highlights
- 5% annual survival benefit
- Full Sum Assured + Vested Bonus on death
- Minimum Sum assured NPR 400,000
- Flexible premium payment terms (Regular/Single/Limited)
Features
- Pays 5% of Sum Assured annually on each policy anniversary
- Death benefit: Full Sum Assured + Vested Bonus
- Maturity: Remaining Sum Assured (after prior annual survival payments) + Vested Bonus
- Loan facility available (after policy acquires surrender value)
- Tax benefits
- Optional riders: Accidental Death, Income Benefit, Premium Waiver, Funeral Expenses, Critical Illness (21 illnesses, up to specified limits)
Terms and conditions
- Death Benefit
- 1. On Death of Policyholder during the policy term, Full Sum Assured Plus Vested Bonus will be paid to nominee/beneficiary.
- 2.Survival Benefit
- 1.On Survival to each policy anniversary given the policy is inforce, 5% of Sum Assured will be paid to Policyholder annually.
- 2.On Survival to Maturity, Remaining Sum Assured (After deducting survival benefits paid earlier) plus Vested Bonus will be paid to Policyholder.
- 3.Loan Facility: After the policy acquires Surrender Value.
- 4.Tax Benefits.
What happens in each case
Each plan pays out differently depending on what happens during the term. These are the situations that matter for this kind of plan.
If the insured passes away during the term
The nominee receives the sum assured plus the bonus built up to that date. Instalments already paid out along the way are not deducted from this amount.
Typical for money-back plans — confirm the exact terms in the brochure.
Along the way, while the policy is in force
A set share of the sum assured is paid at fixed points during the term. The schedule on this page shows when each instalment falls due.
Typical for money-back plans — confirm the exact terms in the brochure.
If the policy runs to maturity
You receive the balance of the sum assured plus the bonus built up to that date — the part not already paid as instalments.
Typical for money-back plans — confirm the exact terms in the brochure.
If death is caused by an accident
With the accidental death rider, an additional amount is paid on top of the sum assured. The rider is optional and carries its own premium.
Typical for money-back plans — confirm the exact terms in the brochure.
Optional riders
Accidental Death Benefit
Optional accidental death rider
Income Benefit
Optional income benefit on permanent total disability
Lump-Sum Benefit
Optional lump-sum benefit on permanent total disability
Premium Waiver Benefit
Optional premium waiver on permanent total disability
Funeral Expense Benefit
Optional funeral expense benefit
Critical Illness Benefit
Optional critical illness rider
Loan & liquidity
- Policy loan
- Available
- Loan facility
- Up to 90% of surrender value
Questions about this plan
What kind of plan is IME Dhan Sarita Plus Jeevan Beema Yojana?
IME Dhan Sarita Plus Jeevan Beema Yojana from IME Life Insurance is a money-back plan that releases part of the sum assured at set points during the term instead of only at the end.
Who can buy IME Dhan Sarita Plus Jeevan Beema Yojana?
The entry age for IME Dhan Sarita Plus Jeevan Beema Yojana is 18 – 65 years.
How long does IME Dhan Sarita Plus Jeevan Beema Yojana run?
The policy term for IME Dhan Sarita Plus Jeevan Beema Yojana is 5 to 20 years.
How much cover can I take on IME Dhan Sarita Plus Jeevan Beema Yojana?
The sum assured available on IME Dhan Sarita Plus Jeevan Beema Yojana is From Rs 4,00,000.
What bonus rate does IME Dhan Sarita Plus Jeevan Beema Yojana earn?
For FY 2081/82, IME Life Insurance declared Rs 30–63 / 1,000 of sum assured on IME Dhan Sarita Plus Jeevan Beema Yojana. Bonus rates are set each year and are not guaranteed.
Which riders can be added to IME Dhan Sarita Plus Jeevan Beema Yojana?
IME Dhan Sarita Plus Jeevan Beema Yojana can be taken with the following optional riders: Accidental death (ADB), PTD / PWB, Critical illness (CI). Each rider carries its own premium.
Premium
Quote on request