Nari Suraksha 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. A participating (with-profit) anticipated endowment life plan designed exclusively for women, offering annual cash benefits, increasing death benefit every 5 years, maturity benefits with accrued bonuses, and optional maternity-focused riders.
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 |
|---|---|
| 0-10 | Rs 60 |
| 11-15 | Rs 60 |
| 16-20 | Rs 60 |
| 21-25 | Rs 62 |
Recent years
- FY 2081/82
- Rs 60–62/ 1,000
- FY 2080/81
- Rs 56–85/ 1,000
- FY 2079/80
- Rs 41–64/ 1,000
- FY 2078/79
- Rs 50–85/ 1,000
- FY 2077/78
- Rs 56–82/ 1,000
* Company-wide declared range — the plan's own term bands were not published that year.
Source: Nepal 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
- Annual cash gift benefit
- Death benefit increases by 25% every 5 years
- Pregnancy Complication Rider pays NPR 100,000
Features
- Designed exclusively for women
- Death benefit increases 25% every 5 years
- Annual cash gift benefit each policy anniversary
- Maternity-focused riders (Prenatal Care, Pregnancy Complication)
- Flexible premium payment modes
- Loan and surrender facility available
- Long-term financial security
Terms and conditions
- If the insured passes away before policy maturity, the nominee will receive:
- • The increased Sum Assured (as applicable)
- • Accrued bonus (calculated on the base Sum Assured)
- • The Sum Assured increases by 25% every 5 completed years from the policy issue date.
- Example (Age 25 | Sum Assured: NPR 500,000):
- • Death within first 5 years: NPR 500,000 + vested bonus
- • After 5 years but before 10 years: NPR 625,000 + vested bonus
- • After 10 years but before 15 years: NPR 750,000 + vested bonus
- • After 15 years but before 20 years: NPR 875,000 + vested bonus
- • After 20 years until maturity: NPR 1,000,000 + vested bonus
- Note: Bonus is calculated only on the base Sum Assured, not on the increased amount.
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 ADB rider.
Permanent Total Disability Benefit
Optional PTD rider.
Premium Waiver Benefit
Optional PWB rider.
Term Rider
Optional term rider.
Pregnancy Complication Rider
Lump-sum NPR 100,000 for specified pregnancy complications.
Prenatal Care Rider
One-time NPR 10,000 pregnancy-care benefit.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
- Loan facility
- Up to 90% of surrender value
Questions about this plan
What kind of plan is Nari Suraksha Jeevan Beema Yojana?
Nari Suraksha Jeevan Beema Yojana from Nepal 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 Nari Suraksha Jeevan Beema Yojana?
The entry age for Nari Suraksha Jeevan Beema Yojana is 18 – 65 years.
How long does Nari Suraksha Jeevan Beema Yojana run?
The policy term for Nari Suraksha Jeevan Beema Yojana is 10, 15, 20, or 25 years.
How much cover can I take on Nari Suraksha Jeevan Beema Yojana?
The sum assured available on Nari Suraksha Jeevan Beema Yojana is From Rs 2,50,000.
What bonus rate does Nari Suraksha Jeevan Beema Yojana earn?
For FY 2081/82, Nepal Life Insurance declared Rs 60–62 / 1,000 of sum assured on Nari Suraksha Jeevan Beema Yojana. Bonus rates are set each year and are not guaranteed.
Which riders can be added to Nari Suraksha Jeevan Beema Yojana?
Nari Suraksha Jeevan Beema Yojana can be taken with the following optional riders: Accidental death (ADB), PTD / PWB. Each rider carries its own premium.
Premium
Quote on request