Himalayan Jeevan Aawaran Insurance 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 participating endowment life insurance plan providing maturity/survival benefits (Sum Assured + vested simple reversionary bonus) and death benefits (Sum Assured + Additional Sum Assured + accrued bonus).
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 |
|---|---|---|
| 0-9 | Rs 43 | Rs 43 |
| 10-14 | Rs 43 | Rs 43 |
| 15-19 | Rs 43 | Rs 43 |
| 20-24 | Rs 43 | Rs 43 |
| 25+ | Rs 43 | Rs 43 |
Recent years
- FY 2081/82
- Rs 43/ 1,000
- FY 2080/81
- Rs 43/ 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
- सहभागी सावधिक (एन्डोवमेन्ट) योजना
- राइडर सुविधा
- लचिलो बीमा अवधिः 7–25 वर्ष
Features
- न्यूनतम बीमा रकम रु. 1,00,000
- प्रवेश उमेर 18–50 वर्ष
- पोलिसी अवधि 7 देखि 25 वर्ष
- सुविधाजनक मृत्यु लाभ: बीमाङ्क + अतिरिक्त बीमाङ्क + संचित साधारण रिभर्सनरी बोनस
- राइडर: दुर्घटना मृत्यु लाभ, मासिक आय लाभ, प्रिमियम छुट लाभ, गम्भीर रोग लाभ
Terms and conditions
- 1. Policy Loan / Surrender Value /Paid Up Value available
- 2. Maturity Benefit: Sum Assured and Vested Bonus up to Maturity Period
- Death Benefit: On the death of the assured during the policy term, Sum Assured + Additional Sum Assured + Accrued simple reversionary bonus will be payable.
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
You receive the sum assured plus the bonus built up to that date as a lump sum on the maturity date.
Typical for endowment 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 endowment plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना मृत्यु लाभ
दुर्घटना मृत्यु लाभ
मासिक आय लाभ
राइडरअन्तर्गत मासिक आय लाभ
बीमाशुल्क छुट लाभ
बीमाशुल्क छुट लाभ
घातक रोग लाभ
घातक रोग लाभ
Accidental Death Benefit
Accidental death benefit
Monthly Income Benefit
Monthly income benefit under rider facility
Premium Waiver Benefit
Premium waiver benefit
Critical Illness Benefit
Critical illness benefit
Loan & liquidity
- Policy loan
- Available
Premium
Quote on request