Sukhi Jeevan Plus Whole Life 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. You also receive part of the cover amount at set points during the term, not only at the end. Sukhi Jeevan Plus is an endowment/whole-life insurance plan offering life cover, maturity benefit and both simple reversionary and terminal bonuses. Entry age 18–65, term 5–30 years, minimum sum assured NPR 100,000. Optional riders available.
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 38 |
| 15-19 | Rs 44 | Rs 42 |
| 20-24 | Rs 46 | Rs 44 |
| 25+ | Rs 55 | Rs 56 |
Recent years
- FY 2081/82
- Rs 44–55/ 1,000
- FY 2080/81
- Rs 38–56/ 1,000
- FY 2079/80
- Rs 61–75/ 1,000
- FY 2078/79
- Rs 61–75/ 1,000
- FY 2077/78
- Rs 50–75/ 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
- न्यूनतम बीमाङ्क रु.१००,०००
- प्रवेश उमेर १८–६५
- ऐच्छिक राइडर: दुर्घटना मृत्यु, PTD, PWB, Asian Critical Care
Features
- परिपक्वतामा बीमाङ्क र आर्जित बोनश एकमुष्ठ भुक्तानी
- बीमितको मृत्यु हुँदा (समाप्ति अगाडि) बीमाङ्क र आर्जित बोनश भुक्तानी
- बीमासमाप्ति पछि मृत्यु हुँदा मात्र बीमाङ्क भुक्तानी (बोनस नगर्ने)
- ९९ वर्षसम्म जीवित रहेमा बीमाङ्क भुक्तानी
- बोनस: रिभर्सनरी र टर्मिनल बोनस (टर्मिनल बोनसको लागि न्यूनतम १० वर्ष इनफोर्स आवश्यक)
- ऐच्छिक राइडर: दुर्घटना मृत्यु लाभ, स्थायी अपाङ्गता (PTD), प्रिमियम वेभर (PWB), Asian Critical Care (क्रिटिकल इलनेस)
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 sum assured and accrued bonus shall remain 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 policy, the sum assured and accrued bonus will be paid as per the terms of the policy.
- c) In case of death of the insured at any time after the insurance expiry date, only the sum assured will be paid more. No bonus will be added to that amount.
- d) If the insured survives till the completion of 99 years after the insurance termination date, the sum assured will be paid.
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 + accrued bonuses (if death before or at maturity)
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
This plan states: Sum Assured + accrued bonuses
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
दुर्घटना मृत्यु लाभ
ऐच्छिक दुर्घटना मृत्यु लाभ।
स्थायी पूर्ण अशक्तता लाभ
ऐच्छिक स्थायी पूर्ण अशक्तता लाभ।
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 total disability benefit.
Premium Waiver Benefit
Optional premium waiver benefit.
Critical Illness Benefit
Optional Asian Critical Care benefit.
What's not covered
- नियमित हवाई सेवामा टिकटधारी यात्रु नभई अन्य उडान (अनधिकृत वा चार्टर्ड) मा मृत्यु हुँदा कभर हुँदैन
- युद्ध वा युद्धसम्बन्धी कार्य (घोषित वा गैरघोषित) मा संलग्न हुँदा हुने घटना
- कानूनको उल्लंघन गर्ने कृत्य गर्दा हुने घटना
- बीमा प्रारम्भ मिति/पुनरजीवन मिति/नवीकरण मितिले दुई वर्ष भित्र आत्महत्या (मस्तिष्क बिग्रेको होस् या नहोस्)
Premium
Quote on request