Himalayan Jeeven Sampanna (Limited 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. Himalayan Life Limited Endowment Assurance Plan — a participating endowment with term options of 5, 10, 15, 20 and 25 years. Minimum sum assured starts at NPR 150,000.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-9 | Rs 53 | Rs 53 |
| 10-14 | Rs 53 | Rs 53 |
| 15-19 | Rs 53 | Rs 53 |
| 20-24 | Rs 53 | Rs 53 |
| 25+ | Rs 53 | Rs 53 |
Recent years
- FY 2081/82
- Rs 53/ 1,000
- FY 2080/81
- Rs 53/ 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
- लचिलो प्रिमियम भुक्तानी अवधि
- (सीमित/एकल प्रिमियम विकल्प उपलब्ध
- ऋण र सरेन्डर सुविधा
Features
- नीतिगत अवधिः ५, १०, १५, २० र २५ वर्ष
- प्रीमियम भुक्तानी अवधि: Single, 5, 10, 15, 20 वर्ष
- ऋण सुविधा: सिंगल प्रिमियमका लागि ३ वर्षपछि; रेगुलर प्रिमियमका लागि २ वर्ष पूरा र २ वर्षपूरा प्रिमियम तिरेपछि ऋण योग्य
- आत्मसमर्पण मूल्य र पेइड-अप भ्याल्यू सुविधा
- मृत्यु/परिपक्वता लाभ: सुनिश्चित बीमा रकम + वेस्टेड बोनस
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
स्थायी पूर्ण अशक्तता लाभ
दुर्घटनाजन्य स्थायी पूर्ण अशक्तता लाभ
बीमाशुल्क छुट लाभ
स्थायी पूर्ण अशक्ततापछि बीमाशुल्क छुट
मासिक आय लाभ
स्थायी पूर्ण अशक्ततापछि मासिक आय लाभ
Accidental Death Benefit
Accidental death benefit
Permanent Total Disability Benefit
PTD benefit due to accident
Premium Waiver Benefit
Premium waiver after total permanent disability
Monthly Income Benefit
Monthly income benefit after total permanent disability
Loan & liquidity
- Policy loan
- Available
Premium
Quote on request