This is pure cover: it pays your family if something happens during the term, and there is no amount paid back at the end. Himalayan Life New Term Assurance. Pays basic sum assured on death. Optional riders available (ADB, CI, PA). Minimum sum assured NPR 100,000; policy term 5–35 years; entry age 18–65.
What's included
Key highlights
- न्यूनतम बीमाङ्क रु.100,000
- बीमापात्र उमेर 18–65 वर्ष
- राइडर उपलब्ध
Features
- न्यूनतम बीमाङ्क रु. 100,000
- बीमाको अवधि 5–35 वर्ष
- प्रिमियम भुक्तानी अवधि नीति अवधिसँग समान
- मृत्यु हुँदा आधार बीमाङ्क भुक्तानी
- राइडरहरू: दुर्घटना मृत्यु लाभ, गम्भीर रोग, व्यक्तिगत दुर्घटना
Terms and conditions
- Death Before Maturity:
- Basic Sum assured 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 full sum assured. There is no savings element, so nothing else accrues.
Typical for term plans — confirm the exact terms in the brochure.
If the policy runs to maturity
There is no maturity payout. The premium buys cover for the term, not savings.
Typical for term 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 term 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
व्यक्तिगत दुर्घटना तथा चिकित्सा खर्चसहित अशक्तता लाभ
Accidental Death Benefit
Optional accidental death rider
Critical Illness Benefit
Optional critical illness rider
Personal Accident Benefit
Personal accident and disability benefit with medical expenses
Loan & liquidity
- Policy loan
- Not available
Premium
Quote on request