Himalayan life Dhan Sagar
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. Dhan Sagar is a money-back life insurance plan offering 15- and 20-year terms with periodic cash payouts, death benefit (basic sum assured plus vested bonus), and optional riders.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 10-14 | Rs 30 | — |
| 15-19 | Rs 32 | Rs 40 |
| 20-24 | Rs 34 | Rs 46 |
| 25+ | Rs 41 | — |
Recent years
- FY 2081/82
- Rs 30–41/ 1,000
- FY 2080/81
- Rs 34–46/ 1,000
Source: हिमालयन 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
- मनी-ब्याक सुविधा
- लचिलो प्रिमियम भुक्तानी
- राइडरको विकल्प
Features
- १५ र २० वर्ष अवधि विकल्प
- न्यूनतम सुनिश्चित रकम रु. 50,000, अधिकतम सीमाहीन
- मृत्यु अवस्थामा पूर्ण आधारभूत बीमित रकम + भेस्टेड बोनस
- राइडरहरू: आकस्मिक मृत्यु, स्थायी अपाङ्गता/प्रिमियम माफी, क्रिटिकल इलनेस, पर्सनल एक्सिडेन्ट
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. Instalments already paid out along the way are not deducted from this amount.
Typical for money-back plans — confirm the exact terms in the brochure.
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
You receive the balance of the sum assured plus the bonus built up to that date — the part not already paid as instalments.
Typical for money-back plans — confirm the exact terms in the brochure.
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
दुर्घटना मृत्यु लाभ
स्थायी पूर्ण अशक्तता लाभ
स्थायी पूर्ण अशक्तता लाभ
बीमाशुल्क छुट लाभ
स्थायी पूर्ण अशक्ततापछि बीमाशुल्क छुट
घातक रोग लाभ
ऐच्छिक घातक रोग राइडर
व्यक्तिगत दुर्घटना लाभ
व्यक्तिगत दुर्घटना तथा चिकित्सा खर्चसहित अशक्तता लाभ
Accidental Death Benefit
Accidental death benefit
Permanent Total Disability Benefit
Total permanent disability benefit
Premium Waiver Benefit
Premium waiver after total permanent disability
Critical Illness Benefit
Optional critical illness rider
Personal Accident Benefit
Personal accident and disability benefit with medical expenses
Premium
Quote on request