Himalayan Surakshit Bhavisya Jeevan Beema Yojana (Pension Plan)
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. A combined endowment, whole-life and pension plan providing annual pension after the premium paying term. Pays accrued bonuses at maturity, death benefits during and after premium term, and annual pension after term until age 99 with lump sum at 100 or on death.
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 30 | Rs 23 |
| 20-24 | Rs 32 | Rs 29 |
| 25+ | Rs 35 | Rs 35 |
Recent years
- FY 2081/82
- Rs 30–35/ 1,000
- FY 2080/81
- Rs 18–35/ 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
- बीमां अवधिः 10–30 वर्ष
- न्यूनतम बीमांक: रु. 5,00,000
- पेन्सन दर: बीमांकको 6% प्रति वर्ष (प्रिमियम भुक्तानीपछि)
- वैकल्पिक राइडर उपलब्ध
Features
- सावधिक , आजीवन जीवन बीमा र वार्षिक पेन्सनको संयुक्त लाभ
- प्रिमियम भुक्तानी अवधिमा मृत्यु हुँदा पूरा बीमांक र संचित बोनस भुक्तानी
- प्रिमियम भुक्तानीपछि बाँचेपनि ९९ वर्षसम्म वार्षिक पेन्सन (बीमांकको ६% प्रति वर्ष)
- १०० वर्ष वा मृत्युमा सम्पूर्ण बीमांक भुक्तानी
- लोन सुविधा र कर लाभ
- प्रिमियम माफी, आकस्मिक मृत्यु र स्थायी कुल अपाङ्गता लागि अतिरिक्त लाभ
- उपलब्ध राइडर: आकस्मिक मृत्यु (ADB), स्थायी कुल अपाङ्गता र प्रिमियम माफी (TPD/PW) — हद रु. 50,00,000 वा आधार बीमांक जुन कम हुन्छ
Terms and conditions
- 1)Accrued bonus at maturity
- 2)On death of life assured during premium paying term: Full sum assured plus accrued bonus will be paid to the nominee.
- 3)On death of life assured after premium paying term: Full sum assured will be paid to the nominee.
- 4)On surviving after premium paying till 99 years of age: 6 % of Sum assured per annum and at the age of 100 years or death sum assured will be paid
- 5)Loan facility
- 6)Tax benefits
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, whenever the claim arises — there is no end date on the cover.
Typical for whole life plans — confirm the exact terms in the brochure.
After the premium-paying term ends
There is no maturity date. Once the premium-paying term ends, no further premiums are due and the cover stays in force for the rest of the insured's life.
Typical for whole life 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 whole life plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना मृत्यु लाभ
दुर्घटना मृत्यु लाभ
स्थायी पूर्ण अशक्तता लाभ
स्थायी पूर्ण अशक्तता तथा बीमाशुल्क छुट लाभ
Accidental Death Benefit
Accidental death benefit
Permanent Total Disability Benefit
Total permanent disability and premium waiver benefit
Loan & liquidity
- Policy loan
- Available
Premium
Quote on request