Asian Sawadhik Plus
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. Asian Sawadhik Plus is an endowment life insurance plan offering simple reversionary and terminal bonuses. Entry age 18–65 years, policy term 5–30 years, minimum sum assured NPR 25,000, and multiple premium payment modes.
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 42 | Rs 38 |
| 15-19 | Rs 46 | Rs 42 |
| 20-24 | Rs 48 | Rs 44 |
| 25+ | Rs 50 | Rs 56 |
Recent years
- FY 2081/82
- Rs 42–50/ 1,000
- FY 2080/81
- Rs 38–56/ 1,000
- FY 2079/80
- Rs 45–65/ 1,000
- FY 2078/79
- Rs 50–70/ 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
- सिम्पल रिभर्सनरी र टर्मिनल बोनस उपलब्ध
- न्यूनतम बीमाङ्क रु. २५,०००
- बीमा अवधि ५–३० वर्ष
- ऐच्छिक क्रिटिकल इल्यनेस तथा दुर्घटना राइडर
- लचिलो प्रिमियम भुक्तानी मोडहरू
Features
- प्रवेश उमेर: १८ वर्षदेखि ६५ वर्ष
- न्यूनतम बीमाङ्क: रु. २५,०००
- बोनस: सिम्पल रिभर्सनरी बोनस र टर्मिनल बोनस
- टर्मिनल बोनस: न्यूनतम १० वर्षसम्म सक्रिय बीमालेखमा लागू
- ऐच्छिक राइडर: दुर्घटना मृत्यु लाभ (ADB), स्थायी अपाङ्ग (PTD), प्रिमियम छुट (PWB), एशियन क्रिटिकल केयर (Critical Illness)
- ठूला बीमाङ्कका लागि रियायत: बीमाङ्कअनुसार प्रति हजार छुट
Terms and conditions
- Conditions of payment :Under this insurance plan, payment will be given as follows in the following situations:
- a) If the insured is alive till the end of the policy, the policy and the bonus as per the policy on that date shall be subject to the terms of the policy.
- Lump sum payment will be given.
- b) In case of death of the insured before the expiry date of the insurance policy, the sum assured and the bonus payment as per the rules will be given.
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
This plan states: Sum Assured + Simple Reversionary Bonus + Terminal Bonus (if eligible)
If the policy runs to maturity
This plan states: Sum Assured + Bonuses
If death is caused by an accident
This plan states: Available as optional rider
Optional riders
दुर्घटना मृत्यु लाभ
ऐच्छिक दुर्घटना मृत्यु लाभ।
स्थायी अपाङ्ग/अशक्त सुविधा
ऐच्छिक स्थायी अपाङ्ग/अशक्त सुविधा।
बीमाशुल्क छुट सुविधा
ऐच्छिक बीमाशुल्क छुट सुविधा।
गम्भीर रोग लाभ
ऐच्छिक Asian Critical Care गम्भीर रोग लाभ।
Accidental Death Benefit
Optional accidental death benefit.
Permanent Total Disability Benefit
Optional permanent disability benefit.
Premium Waiver Benefit
Optional premium waiver benefit.
Critical Illness Benefit
Optional Asian Critical Care benefit.
What's not covered
- नियमित हवाई सेवा बाहेक अन्य उडान गर्दा हुने मृत्यु/घटना
- युद्ध वा युद्धसम्बन्धी गतिविधिमा संलग्न
- कुनै अपराध/कानून बर्खिलाप कार्य गर्दा भएको मृत्यु
- पुनर्जागरण मिति वा बीमालेख सुरु मितिबाट दुई वर्ष भित्रको आत्महत्या (नियम बमोजिम)
- मागज बिग्रेको अवस्थासम्बन्धी दावीहरू (निर्दिष्ट सीमाभित्र)
Premium
Quote on request