HimalayanLife Jeewan Surakshya
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. HimalayanLife Jeewan Surakshya is a flexible life insurance plan allowing customers to choose policy term, premium payment frequency and sum insured. On maturity the full sum assured plus bonus is payable. In case of death before maturity the basic sum assured plus vested bonus is payable.
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 50 | Rs 50 |
| 15-19 | Rs 50 | Rs 50 |
| 20-24 | Rs 50 | Rs 50 |
Recent years
- FY 2081/82
- Rs 50/ 1,000
- FY 2080/81
- Rs 50/ 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
- न्यूनतम बीमित रकम रु.100,000
- पॉलिसी अवधि 15–54 वर्ष
- राइडर: ADB, CI, PA
Features
- नीतिका अवधि ग्राहक आवश्यकता अनुसार निर्धारण गर्न मिल्छ
- बीमित रकम ग्राहकको आवश्यकता अनुसार तय गर्न सकिन्छ (न्यूनतम रु.100,000)
- परिपक्वतामा पूर्ण बीमा रकम प्लस बोनस
- मृत्यु हुनु अघि: आधार बीमित रकम प्लस भेष्टेड बोनस
- राइडर उपलब्ध: Accidental Death Benefit, Critical Illness, Personal Accident
- प्रीमियम भुक्तानी अवधि बीमा अवधि बराबर
Terms and conditions
- Benefits
- 1.Maturity Benefits: Full Sum Assured plus Bonus
- 2.Death before maturity: Basic Sum Assured plus Vested Bonus
- 3.Death after Maturity : Basic Sum Assured or Basic Sum Assured plus Accidental Death Benefit up to age 70, in case of accidental death only
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
ऐच्छिक दुर्घटना मृत्यु राइडर
घातक रोग लाभ
ऐच्छिक घातक रोग राइडर
व्यक्तिगत दुर्घटना लाभ
ऐच्छिक व्यक्तिगत दुर्घटना राइडर
Accidental Death Benefit
Optional accidental death rider
Critical Illness Benefit
Optional critical illness rider
Personal Accident Benefit
Optional personal accident rider
Premium
Quote on request