Himalayan Jeevan Upahar
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. Himalayan Jeevan Upahar is a money-back cum endowment life plan that issues an equal endowment 'Upahar' policy at the first anniversary at no cost. At maturity the product pays combined benefits of the base and Upahar policies along with earned bonuses.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 15 | Rs 37 | Rs 31 |
| 16 | Rs 52 | Rs 48 |
Recent years
- FY 2081/82
- Rs 37–52/ 1,000
- FY 2080/81
- Rs 31–48/ 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
- पहिलो वर्षपछि निशुल्क उपहार योजना
- न्यूनतम बीमा रकम रु. 500,000
- क्रिटिकल इल्यनेस राइडर रु. 2,500,000 सम्म
Features
- मनी-ब्याक / सावधिक सुविधा
- पहिलो वार्षिक मितिमा बराबरको उपहार सावधिक पोलिसी निशुल्क
- परिपक्वतामा आधार योजनाको 25% र उपहारको 100% सहित बोनसहरु
- मृत्यु अवस्थामा उच्च मृत्यु लाभ (पहिलो वार्षिक भित्र र पछि फरक शर्त अनुसार)
- वैकल्पिक राइडरहरु: दुर्घटना, स्थायी अपाङ्गता/प्रिमियम वाइभर, क्रिटिकल इल्यनेस, पर्सनल एक्सिडेन्ट
Terms and conditions
- 1.At the time of Maturity: 25% of the sum assured on the base plan and 100% basic sum assured of the UPAHAR plan plus earned bonuses on both the policies shall be paid to assured i.e., 125% of the basic sum and 200% of bonus.
- 2.Death before maturity: 100% sum of the base plan plus earned bonus shall be paid within the first policy anniversary. 100% sum of the base plan and 100% sum of the UPAHAR plan plus earned bonuses on both the policies shall be paid after the first policy anniversary on the basis of the terms and conditions 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
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
बीमाशुल्क छुट लाभ
घातक रोग लाभ
घातक रोग लाभ
व्यक्तिगत दुर्घटना लाभ
व्यक्तिगत दुर्घटना, अशक्तता तथा चिकित्सा खर्च सुरक्षा
Accidental Death Benefit
Accidental death benefit
Permanent Total Disability Benefit
Total permanent disability benefit
Premium Waiver Benefit
Premium waiver benefit
Critical Illness Benefit
Critical illness benefit
Personal Accident Benefit
Personal accident, disability and medical expense cover
Premium
Quote on request