HimalayanLife Single And Limited Payment
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 life insurance plan allowing single lump-sum or limited premium payments. On maturity the sum assured plus vested bonus is paid; death benefits pay sum assured plus vested bonus subject to policy in force.
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 32 | Rs 32 |
| 20-24 | Rs 35 | Rs 35 |
| 25+ | Rs 45 | Rs 45 |
Recent years
- FY 2081/82
- Rs 30–45/ 1,000
- FY 2080/81
- Rs 30–45/ 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
- सिंगल वा सीमित भुक्तानी विकल्प
- परिपक्वतामा बीमाशुल्क र बोनस प्राप्त
- धेरै राइडर उपलब्ध
Features
- एकल (लम्पसम) भुक्तानी वा 5/10/15/20 वर्षसम्म सीमित भुक्तानी विकल्प
- परिपक्वतामा पूर्ण बीमा रकम र भेष्टेड बोनस भुक्तानी
- बीमितको मृत्यु भएमा आधारभूत बीमा रकम र भेष्टेड बोनस भुक्तानी
Terms and conditions
- Maturity Benefits: Full sum assured plus bonus
- Death before maturity: Basic Sum Assured plus Vested Bonus
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
Premium
Quote on request