Jeevan Unnati 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. You also receive part of the cover amount at set points during the term, not only at the end. A limited-payment money-back life insurance plan by Nepal Life that provides periodic lump-sum survival payouts, full risk cover for the policy term, and bonuses on maturity. Designed to meet interim financial needs while providing life protection.
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 56 | Rs 56 |
| 11-15 | Rs 56 | Rs 56 |
| 16-20 | Rs 56 | Rs 56 |
| 21-25 | Rs 56 | Rs 56 |
| 26-30 | Rs 56 | Rs 56 |
| 31+ | Rs 56 | Rs 56 |
Recent years
- FY 2081/82
- Rs 56/ 1,000
- FY 2080/81
- Rs 56/ 1,000
- FY 2079/80
- Rs 55–57/ 1,000
- FY 2078/79
- Rs 50/ 1,000
- FY 2077/78
- Rs 60/ 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
- सीमित भुक्तानी मनी-ब्याक योजना
- परिपक्वतामा बोनस + 40% बीमित रकम
- मृत्युमा सिंगल मोडमा 2.5 गुणा बीमित रकम
- राइडरद्वारा दुर्घटना, TPD र महत्वपूर्ण रोग कभर
Features
- प्रवेश उमेर: 18–58 वर्ष
- अधिकतम परिपक्वता उमेर: 70 वर्ष
- पॉलीसी अवधि: 12 देखि 20 वर्ष
- न्यूनतम बीमित रकम: रु. 50,000
- भुक्तानी मोड: एकल, वार्षिक, अर्धवार्षिक, त्रैमासिक, मासिक
- मनी-ब्याक: नियमित अन्तरालमा बञ्चित रकम (सर्वाइवल बेनेफिट)
- परिपक्वतामा घोषीत बोनस + 40% मूल बीमित रकम
- मृत्यु लाभ: सिंगल प्रिमियममा 2.5x मूल बीमित रकम; अन्य मोडमा आधारबीमित रकम + बोनस
- राइडर उपलब्ध: दुर्घटना मृत्युदर, TPD, प्रिमियम वेभर, महत्वपूर्ण रोग राइडर
- पॉलीसी लोन: सरेण्डर भ्यालु प्राप्त भएपछि, अधिकतम 90% सम्म
Terms and conditions
- In case of single premium mode - 2.5 times of sum assured with bonus of basic assured,
- Other payment option- Basic sum assured with bonus
- On maturity, bonus declared and vested in the policy plus 40% of Sum Assured will be paid.
- For the single premium paying mode, in the event of death within one year due to any cause mentioned above, only 90% of the premium (excluding the rider) will be reimbursed.
- In the case of death within two years, only 95% of the premium (excluding the rider) will be reimbursed.
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.
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 money-back 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।
Accidental Death Benefit
Optional accidental death rider.
Permanent Total Disability Benefit
Optional accidental PTD rider.
Premium Waiver Benefit
Optional premium waiver rider.
Loan & liquidity
- Policy loan
- Available
- Loan facility
- Up to 90% of surrender value
Premium
Quote on request