Barshik Bhuktani Jeevan Beema (Money Back)
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. Annual payment money-back life insurance with entry age 18–60 years, policy term 10–20 years and minimum sum assured NPR 250,000. Pays 5% of sum assured on each policy anniversary; on maturity balance sum assured plus accrued bonuses are payable. On death during policy term, sum assured plus accrued bonuses are payable.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rs 38–75
per Rs 1,000 sum assured, per year · declared FY 2081/82
Recent years
- FY 2081/82
- Rs 38–75/ 1,000
- FY 2080/81
- Rs 38–75/ 1,000
- FY 2079/80
- Rs 42–75/ 1,000
- FY 2078/79
- Rs 42–75/ 1,000
- FY 2077/78
- Rs 40–75/ 1,000
* Company-wide declared range — the plan's own term bands were not published that year.
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
- वार्षिक ५% भुक्तानी
- न्यूनतम बीमाङ्क रु.२५०,०००
- प्रवेश उमेर १८–६०
Features
- न्यूनतम बीमाङ्क रु. २५०,०००
- प्रत्येक वर्ष बीमाङ्कको ५% वार्षिक भुक्तानी
- परिपक्वतामा बाँकी बीमाङ्क र आर्जित बोनश भुक्तानी
- मृत्युदरमा बीमाङ्क र आर्जित बोनश भुक्तानी
- बोनश: सिम्पल रिभर्सनरी र टर्मिनल बोनश (Inforce ≥10 वर्षमा टर्मिनल बोनश)
- ऐच्छिक राइडरहरू: दुर्घटना मृत्यु लाभ (ADB), स्थायी अपाङ्गता (PTD), प्रीमियम छुट (PWB), एशियन क्रिटिकल केयर (Critical Care)
- बीमालेख कर्जा उपलब्ध छैन
Terms and conditions
- Condition of payment
- a) If the insured is alive till the following date, subject to the terms and conditions of this policy, payment shall be made as follows:
- a) 5% of the sum insured every year from the insurance commencement date, the amount will be adjusted when paying the renewal insurance fee of the insured.
- b) Remaining amount of insurance and accrued bonus amount on the insurance termination date.
- b) In case of death of the insured before the expiry date of the insurance, the sum assured and accrued bonus will be paid subject to the terms of the policy.
- (Bonus refers to simple reversionary bonus and terminal bonus. A terminal bonus will also be provided for insurance policies that are active for at least 10 years. A terminal bonus will be provided along with a reversionary bonus in case of payment of matured claims under the insurance policy, death of the insured within the insurance period or surrender of the policy.)
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 Bonus
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: Balance 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 अपाङ्ग/अशक्त सुविधा
ऐच्छिक स्थायी अपाङ्ग/अशक्त सुविधा।
बीमाशुल्क छुट सुविधा
ऐच्छिक बीमाशुल्क छुट सुविधा।
गम्भीर रोग लाभ
ऐच्छिक Asian Critical Care 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.
Loan & liquidity
- Policy loan
- Available
What's not covered
- Death while flying other than on regular scheduled commercial flights
- Death due to war or engagement in warlike activities
- Death while committing a criminal act
- Suicide within two years from policy commencement or revival (only surrender value if any will be paid)
Premium
Quote on request