Bhavishya Nidhi (Option2: Diamond Option)
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 Life's Bhavishya Nidhi is an endowment life insurance plan. Minimum sum assured NPR 100,000. Two benefit options (Golden and Diamond) determine death benefit multiples; maturity benefit and company bonus payable as per rules.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
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Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-14 | Rs 61 | Rs 45 |
| 15-19 | Rs 62 | Rs 48 |
| 20-24 | Rs 64 | Rs 55 |
| 25+ | Rs 75 | Rs 62 |
Recent years
- FY 2081/82
- Rs 61–75/ 1,000
- FY 2080/81
- Rs 45–62/ 1,000
- FY 2079/80
- Rs 44–60/ 1,000
- FY 2078/79
- Rs 45–60/ 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
- न्यूनतम बीमाङ्क रु. १,००,०००
- गोल्डेन र डाइमण्ड विकल्प
- ऐच्छिक ADB/PTD/प्रिमियम वेभर/क्रिटिकल केयर
Features
- न्यूनतम बीमाङ्क रु. १,००,०००
- बीमाशुल्क भुक्तानी अवधि ५–३० वर्ष
- दुई लाभ विकल्प: गोल्डेन र डाइमण्ड (मृत्यु परिशोधन प्रतिशत फरक)
- विकल्प २ (डाइमण्ड अप्सन):
- अ) बीमा प्रारम्भ मितिले ३ वर्षभित्र बीमितको मृत्यु भएमा बीमाङ्क रकम
- आ) बीमा प्रारम्भ मितिले ३ वर्ष पूरा भए देखि ५ वर्ष पूरा हुनु भन्दा अगाडी बीमितको मृत्यु भएमा बीमाङ्कको १५० (एक सय पचास) प्रतिशत रकम
- इ) बीमा प्रारम्भ मितिले ५ वर्ष पूरा भए पश्चात बीमितको मृत्यु भएमा बीमाङ्कको २०० (दुई सय) प्रतिशत रकम
Terms and conditions
- Payment Conditions
- Under this insurance plan, the following payments will be made in the following situations:
- a) If the insured survives until the expiry of the insurance, the sum assured and the bonus as per the rules will be paid in a lump sum on that date, subject to the terms and conditions of the insurance policy.
- b) If the insured dies before the expiry date, the sum assured and the bonus as per the option chosen by the insured, subject to the terms and conditions of the insurance 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
The nominee receives the sum assured plus the bonus built up to that date, and the policy ends.
Typical for endowment plans — confirm the exact terms in the brochure.
If the policy runs to maturity
This plan states: Sum Assured + Bonus as per company rules
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 endowment plans — confirm the exact terms in the brochure.
Optional riders
What's not covered
- यदि बीमितको मृत्यु भएमा चुक्ता मूल्य मात्र तिर्ने स्थिति हुँदा मात्र चुक्ता मूल्य भुक्तानी
- घटनाहरू: नियमित हवाईसेवा बाहेक अन्य उडानहरू
- युद्ध वा युद्धसम्बन्धी कार्यमा संलग्नता (युद्ध घोषणा भए/नभएको फरक नपर्ने)
- नागरिक/जंगी ऐनको उल्लंघन
- बीमालेखको प्रारम्भ मितिबाट वा पुनर्जागरण मितिबाट दुई वर्ष भित्र आत्महत्या (मगज बिग्रिएको भए पनि) - नोक्सान सीमित
Premium
Quote on request