Jeevan Sahara 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 whole-life endowment plan providing lifetime coverage. Sum assured plus bonus is payable on maturity; sum assured payable on death after maturity. Accidental death benefit and optional riders (PTD, premium waiver, critical illness) are available.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
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 50–60/ 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
- न्यूनतम बीमित रकम रु. 5,000
- राइडर: दुर्घटना मृत्यु, स्थायी अपांगता, प्रिमियम वेभर, क्रिटिकल इल्यानेस
- एउटै योजना अन्तर्गत धेरै लाभहरू - परिपक्वता लाभ, जीवित लाभ, मृत्यु लाभ र पोलिसी परिपक्व भएपछि पनि दुर्घटनामा मृत्यु लाभ
Features
- लोन: सरेण्डर भ्यालुको अधिकतम 90% सम्म
- जीवन रक्षा लाभ - पोलिसी अवधिको अन्त्यमा बीमितलाई भुक्तानी गरिनेछ।
- बीमाङ्क + बोनस परिपक्वता लाभको रूपमा भुक्तानी गरिनेछ।
- मृत्यु लाभ - आधारभूत बीमाङ्क + बोनस भुक्तानी गरिनेछ।
- पोलिसी परिपक्वता पछि मृत्यु - बीमाङ्क बराबर रकम भुक्तानी गरिनेछ।
- दुर्घटनाबाट ७० वर्षको उमेरमा मृत्यु, पूर्ण आधारभूत बीमाङ्क + दुर्घटना मृत्यु लाभ (ADB) भुक्तानी गरिनेछ।
Terms and conditions
- a) Change of Occupation: If the insured changes the occupation stated in the life insurance proposal form and takes up another risky occupation or initiates a risky enterprise, they must immediately inform the insurer. Based on the information received, the insurer will calculate the additional premium corresponding to the risk and request the insured to make the additional premium payment. The company will not be obligated to pay the additional sum assured for accidental death if the determined additional premium is not paid, or if the risk associated with the insured's changed occupation is deemed unacceptable by the insurer, leading to the insured's death due to the same risk.
- b) If the insured dies in the following circumstances, the death shall not be considered as an accidental death:
- i) In the event of suicide, whether self-inflicted or intentional through the consumption of poison or other methods, regardless of the mental state of the individual, if the insured dies under these circumstances, the payment will be processed as it would be for a natural death, subject to the policy's terms regarding death.
- c) In case of death of the insured due to an accident, the insurer must be notified in writing as soon as possible, but in any case, such notifications must be given within 90 days. If the death of the insured is due to an accident, the autopsy report conducted by the government doctor or else the policy report must be submitted.
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, whenever the claim arises — there is no end date on the cover.
Typical for whole life plans — confirm the exact terms in the brochure.
After the premium-paying term ends
There is no maturity date. Once the premium-paying term ends, no further premiums are due and the cover stays in force for the rest of the insured's life.
Typical for whole life 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 whole life plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना मृत्यु लाभ
ऐच्छिक दुर्घटना मृत्यु राइडर।
स्थायी पूर्ण अशक्तता लाभ
ऐच्छिक दुर्घटनाजन्य PTD राइडर।
बीमाशुल्क छुट लाभ
ऐच्छिक बीमाशुल्क छुट राइडर।
घातक रोग लाभ
ऐच्छिक घातक रोग राइडर।
Accidental Death Benefit
Optional accidental death rider.
Permanent Total Disability Benefit
Optional accidental PTD rider.
Premium Waiver Benefit
Optional premium waiver rider.
Critical Illness Benefit
Optional critical illness rider.
Loan & liquidity
- Policy loan
- Available
- Loan facility
- Up to 90% of surrender value
Premium
Quote on request