Dampati Suraksha Plus (Joint Endowment)
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. One policy covers both partners, instead of buying two separate ones. Dampati Suraksha Plus is a joint endowment life insurance plan for couples. Participating (with profits) endowment offering death and maturity benefits with optional accidental and disability riders.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-14 | Rs 44 | Rs 44 |
| 15-19 | Rs 44 | Rs 44 |
| 20-24 | Rs 46 | Rs 46 |
| 25+ | Rs 55 | Rs 55 |
Recent years
- FY 2081/82
- Rs 44–55/ 1,000
- FY 2080/81
- Rs 44–55/ 1,000
- FY 2079/80
- Rs 42–50/ 1,000
- FY 2078/79
- Rs 42–50/ 1,000
- FY 2077/78
- Rs 40–60/ 1,000
Source: एसियन लाइफ इन्स्योरेन्स 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
- दम्पती संयुक्त योजना
- नाफामा सहभागी योजना
- न्यूनतम बीमाङ्क रु.50,000
- मृत्यु अवस्थामा अधिकतम २५०% बीमाङ्क भुक्तान
- ऐच्छिक दुर्घटना/अपाङ्ग राइडर
Features
- संयुक्त (दम्पती) सावधिक जीवन बीमा
- मुनाफामा सहभागी (participating) योजना
- प्रवेश उमेर १८–६५ वर्ष
- न्यूनतम बीमाङ्क रु.50,000
- मृत्यु अवस्थाको लागि बीमाङ्क गुणक (१००%–२५०%) अनुसार अग्रिम भुक्तानी
Terms and conditions
- 14. Age calculation: The insurance fee will be calculated based on the maximum age of husband and wife.
- Under this insurance plan, payment will be given as follows in the following situations:
- 1. If one of the two insured dies within the insurance period, the sum insured of the following and accrued bonus.
- a) In case of death within 5 years from the date of commencement of insurance, 100% of sum assured,
- b) In case of death within 10 years from the date of inception of insurance, 150% of the sum assured,
- c) In case of death within 15 years from the date of commencement of insurance (11 years) 200% of sum assured,
- d) In case of death within 30 years from the date of commencement of insurance from the age of 16 (from the age of 16), 250 percent of the Sum Assured,
- 2. If another insured also dies within the insurance period, additional sum assured as mentioned in 1 (a, b, c and d) above.
- 3. If only one of the two insured is alive till the date of expiry of the insurance period, then the entire sum assured will be added.
- 4. Full Sum Assured and accrued bonus if both the insured are alive till the end of the insurance period.
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 either partner passes away during the term
The nominee receives the sum assured plus the bonus built up to that date on the first death. Whether cover continues for the surviving partner depends on the plan's terms.
Typical for couple plans — confirm the exact terms in the brochure.
If the policy runs to maturity
This plan states: Sum Assured + accrued bonus
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 couple plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना मृत्यु लाभ
ऐच्छिक दुर्घटना मृत्यु लाभ।
स्थायी अपाङ्ग/अशक्त सुविधा
ADB सँग छनोट गर्न सकिने ऐच्छिक PTD सुविधा।
बीमाशुल्क छुट सुविधा
ADB र PTD सँग छनोट गर्न सकिने ऐच्छिक PWB सुविधा।
Accidental Death Benefit
Optional accidental death benefit.
Permanent Total Disability Benefit
Optional PTD benefit when selected with ADB.
Premium Waiver Benefit
Optional PWB benefit when selected with ADB and PTD.
What's not covered
- अनुमत विहीन उडान (नियमित मार्ग बाहेक) मा मृत्यु
- युद्ध वा युद्धसमान कार्यमा संलग्नता
- कानूनको उल्लंघन गर्दा भएको मृत्यु
- बीमालेख सुरु वा नवीकरण भएको दुई वर्ष भित्र मानसिक विकार सम्बन्धी मृत्यु (उल्लेखित सर्तअनुसार)
Premium
Quote on request