Gramin Sawadhik Jeevan Beema Yojana
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 micro endowment (with profit) plan designed for rural and low-income customers offering savings and protection at low premium rates.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
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Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-10 | Rs 60 | Rs 60 |
| 11-15 | Rs 60 | Rs 60 |
| 16-20 | Rs 60 | Rs 60 |
| 21-25 | Rs 70 | Rs 70 |
| 26-30 | Rs 82 | Rs 82 |
| 31+ | Rs 82 | Rs 82 |
Recent years
- FY 2081/82
- Rs 60–82/ 1,000
- FY 2080/81
- Rs 60–82/ 1,000
- FY 2079/80
- Rs 51–61/ 1,000
- FY 2078/79
- Rs 60–82/ 1,000
- FY 2077/78
- Rs 60–82/ 1,000
Source: नेपाल 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
- कम प्रिमियममा ग्रामीण सुरक्षाका लागि माइक्रो इन्डोवमेण्ट
- प्रवेश उमेर 18–60, न्यूनतम बीमांक रु.10,000
- पॉलिसी लोन: सरेण्डर भ्याल्यूको 90% सम्म
Features
- प्रवेश उमेर: 18 वर्षदेखि 60 वर्षसम्म
- न्यूनतम बीमांक (Sum Assured): रु. 10,000
- अधिकतम बीमांक: रु. 3,00,000
- लोन उपलब्ध: पेड–अप/सरेण्डर वैल्यू प्राप्त भएपछि; अधिकतम 90% सरेण्डर भ्याल्यू
- बुनियादी लाभ (परिपक्वता र मृत्यु लाभ दुवै उपलब्ध छन्)
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.
Optional riders
घातक रोग लाभ
ऐच्छिक घातक रोग राइडर।
Critical Illness Benefit
Optional critical illness rider.
Loan & liquidity
- Policy loan
- Available
- Loan facility
- Up to 90% of surrender value
Premium
Quote on request