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. This is an endowment plan which provides guaranteed addition for the first 5 years and simple reversionary bonus thereafter.
Maturity estimator
Estimated value at maturity
—
Declared bonus
Rate by policy term
Declared FY 2080/81
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 10 | Rs 55 | Rs 55 |
| 15 | Rs 57 | Rs 57 |
Recent years
- FY 2081/82
- Rs 41–62/ 1,000
- FY 2080/81
- Rs 55–57/ 1,000
- FY 2079/80
- Rs 55–57/ 1,000
- FY 2078/79
- Rs 55/ 1,000
- FY 2077/78
- Rs 55/ 1,000
* Company-wide declared range — the plan's own term bands were not published that year.
Bonus rates are declared annually and are not guaranteed. Past rates do not guarantee future rates.
What's included
Key highlights
- Guaranteed additions for first 5 years
- Survival & maturity benefits with reversionary bonus
- Minimum Sum Assured NPR 100,000
- Policy terms: 10 / 15 years
Features
- Death benefit: Sum Assured plus accrued reversionary bonus payable on death during the policy term.
- Survival benefits: fixed percentage of Basic Sum Assured payable on survival at specified policy years (intermediate payouts).
- Maturity benefit: on maturity a fixed percentage of Basic Sum Assured plus accrued reversionary bonus is payable.
- Guaranteed additions for the first 5 years.
- Minimum Sum Assured: NPR 100,000; maximum Sum Assured as per underwriting policy.
Terms and conditions
- This plan provides regular payouts every 3 years from policy commencement and remaining sum assured with simple reversionary bonus at the end of the term.
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 Benefit Rider
Optional accidental benefit rider.
Questions about this plan
What kind of plan is Dhan Bristi?
Dhan Bristi from LIC Nepal 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 Dhan Bristi?
The entry age for Dhan Bristi is 18 – 60 years.
How long does Dhan Bristi run?
The policy term for Dhan Bristi is 10 – 15 years.
How much cover can I take on Dhan Bristi?
The sum assured available on Dhan Bristi is From Rs 1,00,000.
What bonus rate does Dhan Bristi earn?
For FY 2080/81, LIC Nepal declared Rs 55–57 / 1,000 of sum assured on Dhan Bristi. Bonus rates are set each year and are not guaranteed.
Which riders can be added to Dhan Bristi?
Dhan Bristi can be taken with the following optional riders: Accidental death (ADB). Each rider carries its own premium.
Premium
Quote on request