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. One policy covers both partners, instead of buying two separate ones. A joint life savings and insurance plan providing cover to both the policyholder and spouse. Offers higher risk cover on death/accident and a free partial cover for the spouse.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
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Declared bonus
Rate by policy term
Declared FY 2080/81
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 5-9 | Rs 50 | Rs 51 |
| 10-14 | Rs 51 | Rs 52 |
| 15-25 | Rs 52 | — |
Recent years
- FY 2081/82
- Rs 41–62/ 1,000
- FY 2080/81
- Rs 50–52/ 1,000
- FY 2079/80
- Rs 51–61/ 1,000
- FY 2078/79
- Rs 51–61/ 1,000
- FY 2077/78
- Rs 50–64/ 1,000
* Company-wide declared range — the plan's own term bands were not published that year.
Bonus rates are declared annually and are not guaranteed. Past rates do not guarantee future rates.
What's included
Key highlights
- न्यूनतम बीमांक रु. 200,000
- पलिसी अवधिः १५ वर्ष
- दुर्घटनामा २५०% बीमांक
Features
- जीवनसाथीका लागि बीमाङ्क रकमको ५०% सम्म निःशुल्क बीमा सुरक्षा
- उच्च बोनस प्रदान गर्ने उद्देश्यले बनाइएको सहभागी/नाफासहित योजना
- साधारण सावधिक योजनाको तुलनामा कम लागतको विकल्प
- सरेन्डर मूल्यको ९०% सम्म ऋण सुविधा उपलब्ध
Terms and conditions
- जीवनसाथीका लागि बीमाङ्क रकमको ५०% सम्म निःशुल्क बीमा सुरक्षा
- सामान्य मृत्युमा १५०% जोखिम सुरक्षा
- दुर्घटनाजन्य मृत्युमा २५०% जोखिम सुरक्षा
- 50% risk coverage to Spouse
- 150% risk cover on normal death
- 250% risk cover on accidental death
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 either partner passes away during the term
The nominee receives the sum assured plus the bonus built up to that date on the first death. Whether cover continues for the surviving partner depends on the plan's terms.
Typical for couple 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 couple 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 couple plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना लाभ
दुर्घटना लाभ राइडरको रूपमा उपलब्ध छ।
Accident Benefit
Accident benefit available as a rider.
Loan & liquidity
- Policy loan
- Available
- Loan facility
- Up to 90% of surrender value
Premium
Quote on request