Amrit Barsaha Money Back Policy
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. You also receive part of the cover amount at set points during the term, not only at the end. National Life's traditional money-back endowment plan that provides periodic survival (money-back) payments during the term, death benefit, maturity benefit and participates in declared bonuses. Optional riders available.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 5-14 | Rs 60 | — |
| 15-20 | Rs 60 | Rs 64 |
| 21-25 | Rs 70 | Rs 64 |
| 26+ | Rs 85 | — |
Recent years
- FY 2081/82
- Rs 60–85/ 1,000
- FY 2080/81
- Rs 63–64/ 1,000
- FY 2079/80
- Rs 63–85/ 1,000
- FY 2078/79
- Rs 63–64/ 1,000
- FY 2077/78
- Rs 63–64/ 1,000
Source: नेशनल 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
- अवधीभित्र आवधिक पैसा फिर्ता (Money-back)
- मृत्यु(death) र बचत (maturity)लाभ दुबै उपलब्ध
- राइडरहरूद्वारा थप सुरक्षा सम्भव
Features
- अवधीबीच आवधिक मनी–ब्याक भुक्तानी
- मृत्युलाई पूरा बीमित रकम
- समाप्तिमा परिपक्वता लाभ
- कम्पनीद्वारा घोषित बोनसमा सहभागिता (participating)
- विकल्पका रूपमा राइडरहरू (अक्सिडेन्टल, क्रिटिकल इलनेस, प्रिमियम वेभर)
- लचिलो प्रिमियम भुक्तानी मोड
Terms and conditions
- Policy Benefit on Death
- On death insured amount and bonus calculated on last premium paid will be paid to nominee
- Other Benefits
- Tax saving
- Loan and surrender value
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. Instalments already paid out along the way are not deducted from this amount.
Typical for money-back plans — confirm the exact terms in the brochure.
Along the way, while the policy is in force
A set share of the sum assured is paid at fixed points during the term. The schedule on this page shows when each instalment falls due.
Typical for money-back plans — confirm the exact terms in the brochure.
If the policy runs to maturity
You receive the balance of the sum assured plus the bonus built up to that date — the part not already paid as instalments.
Typical for money-back plans — confirm the exact terms in the brochure.
Optional riders
बीमाशुल्क छुट सुविधा (PWB)
रोग वा दुर्घटनाका कारण स्थायी अशक्तता भएमा उल्लेखित सर्तअनुसार बीमाशुल्क छुट सुविधा।
Premium Waiver Benefit (PWB)
Premium waiver is available in case of permanent disability due to illness or accident under the stated terms.
Loan & liquidity
- Policy loan
- Available
Premium
Quote on request