Dampati Amrit Sawadhik Jeevan Beema
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 couple-targeted life insurance/endowment plan providing life cover and maturity/savings benefits.
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 64 | — |
| 15-20 | Rs 64 | Rs 64 |
| 21-25 | Rs 70 | Rs 70 |
| 26+ | Rs 85 | — |
Recent years
- FY 2081/82
- Rs 64–85/ 1,000
- FY 2080/81
- Rs 64–85/ 1,000
- FY 2079/80
- Rs 64–85/ 1,000
- FY 2078/79
- Rs 64–85/ 1,000
- FY 2077/78
- Rs 64–85/ 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
- दम्पती लक्षित जीवन बीमा
- जीवन र म्याच्युरिटी लाभ
- राइडर जोड्ने सुविधा
Features
- दुबै पति/पत्नी समावेश गर्न सकिने योजना
- मृत्यु अवस्थामा लाभ
- म्याच्युरिटी (निष्कर्ष) लाभ उपलब्ध हुनसक्छ
- बोनस/लाभांशको सम्भावना (कम्पनी नियम अनुसार)
- राइडर जोड्ने सुविधा (वैकल्पिक)
- नीति अवधि भर प्रिमियम भुक्तानी विकल्पहरू
Terms and conditions
- Survival Benefits: (Both insured or any one) Sum assured plus bonus earned shall be paid on maturity
- Death Benefits:
- On death of any one of insured couple within the Insurance period, sum assured will be paid to living insured.
- Premium payment shall be waived after the demise of an insured
- On death of the another insured, the sum assured with earned bonus will be paid to nominated person within the policy term.
- Other terms and conditions:
- If the age difference between husband & wife is more than 20 years, then they are not eligible for this plan
- In this policy, both husband and wife have equal rights
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 मृत्यु लाभ (ADB)
उल्लेखित अतिरिक्त बीमाशुल्कमा अधिकतम रु. २५,००,००० सम्म दुर्घटना मृत्यु लाभ।
बीमाशुल्क छुट सुविधा (PWB)
उल्लेखित अतिरिक्त बीमाशुल्कमा बीमाशुल्क छुट सुविधा उपलब्ध।
Accidental Death Benefit (ADB)
Accidental death benefit up to Rs. 2,500,000 at the stated additional premium.
Premium Waiver Benefit (PWB)
Premium waiver benefit available at the stated additional premium.
Loan & liquidity
- Policy loan
- Available
Premium
Quote on request