सावधिक जीवन बीमा (एन्डोमेन्ट)
न्यूनतम बीमाङ्क
रु.50,000
प्रवेश उमेर
18–65 वर्ष
ADB सीमा
रु.1,00,00,000
Coverage
रु. 50,000 रु.
Based on Source of Income
Description
A combined term insurance and savings endowment plan paying the sum assured on maturity or earlier on death.
Features
- म्यादी बीमा र बचतको संयोजन (एन्डोमेन्ट)
- नीतिगत अवधि: 5–59 वर्ष
- दुर्घटना सम्बन्धी लाभ (ADB/PWB/PTD) सम्म रु.1,00,00,000
- 3 वर्षको पूरा प्रिमियम भुक्तान गरेपछि ऋण सुविधा
- परिपक्वता लाभ: बीमित रकम + संचित बोनस; सरेन्डर र पेड-अप उपलब्ध
- ठूलो बीमित रकम र भुक्तानी तरिकामा छुट
Highlights
- न्यूनतम बीमाङ्क रु.50,000
- प्रवेश उमेर 18–65 वर्ष
- 3 वर्षपछि ऋण सुविधा
Life Insurance Details
Available Riders
ADB (Accidental Death Benefit)-Sum Assured + Additional Sum Assured up to Max. 1 crore or Actual sum Assured with ever is lower. + Accrued bonus up to Term Period during Death.
PWB (Periodic/Partial Benefit)/PTD (Permanent Total Disability)-Waiver of Premium during the term period of the policy after the total permanent disability occurs and monthly income benefits (MIB) provide to the policyholder of Sum Assured up to 120 months instalment basis
Bonus Rate
Range18 - 86 per thousand
Fiscal Year2080/81
Riders
ADB
Accidental Death Benefit
Premium Waiver
Premium waiver rider
Pros & Cons
Pros
- Formed from merger of 3 insurers - strong combined capital
- Good maximum bonus rate (Rs 86 per 1000 SA)
- Unified branch network from merged entities
- Competitive premium rates
Cons
- −Very low minimum bonus rate (Rs 18) for some products
- −Still integrating post-merger (operations since May 2023)
- −Brand recognition building phase
- −Fewer rider options than competitors
Claim Process
- 1Contact nearest branch
- 2Submit claim documents
- 3Verification and approval
- 4Settlement to beneficiary
Eligibility
Age18 - 65 years
Policy Termन्यूनतम 5 वर्षदेखि अधिकतम 59 वर्ष