Ketaketi Sunaulo Bhawishya 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. If you are ever unable to keep paying, the plan carries on by itself and your child still receives the full amount when the term ends. A participating endowment child life insurance plan combining savings and protection for a child’s future needs. Offers premium waiver on proposer’s death, optional riders, surrender and policy loan benefits.
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 | — |
| 21-25 | Rs 62 | — |
Recent years
- FY 2081/82
- Rs 60–62/ 1,000
- FY 2080/81
- Rs 60–65/ 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
- बाल केन्द्रित बचत र सुरक्षा
- प्रस्तावक मृत्युमा प्रीमियम माफी र मासिक आय लाभ
- राइडर मार्फत अतिरिक्त सुरक्षा
- ३ वर्षपछि सरेन्डर र बीमा लोन
Features
- प्रस्तावक मृत्युमा प्रीमियम माफ र मासिक आय लाभ (प्रति महिना १% बीमाङ्क)
- परिपक्वतामा बीमाङ्क र भेस्टेड बोनस छुट्याइन्छ
- राइडर विकल्प: आकस्मिक (ADB), स्थायी पूर्ण अपाङ्गता/PTD(PWB), तथा क्रिटिकल इल्यनेस
- सरेन्डर र बीमा लोन सुविधा केवल कम्तीमा ३ वर्षपछि लागू
Terms and conditions
- 1. In case of death of proposer:
- 1% of Sum Assured will be paid till the policy maturity date as monthly income benefit
- Premium will be waived till the maturity.
- Sum Assured plus bonus will be paid at the time of policy maturity.
- 2. In case of death of Insured (Child) after proposer’s death:
- 25% of Sum Assured plus Bonus or paid premium (except rider and extra premium) whichever is higher will be paid and the policy will be terminated.
- 3. In case of death of proposer and child at same time
- 100% Sum Assured plus bonus will be paid as coverage of proposer and 25% of sum assured will be paid as coverage of insured (Child) and the policy will be terminated.
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. Most child plans are written on the parent's life, so see the next case for how the child is protected.
Typical for child plans — confirm the exact terms in the brochure.
If the parent or guardian passes away
Future premiums are waived and the policy continues on its own. The child still receives the full maturity amount at the set age. Many child plans also pay the child a regular income until then — the brochure states the rate.
Typical for child plans — confirm the exact terms in the brochure.
If the policy runs to maturity
The child receives the sum assured plus the bonus built up to that date, timed to the age set when the policy was taken out.
Typical for child 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 child plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना मृत्यु लाभ
प्रस्तावकका लागि ऐच्छिक दुर्घटना मृत्यु राइडर।
स्थायी पूर्ण अशक्तता लाभ
प्रस्तावकका लागि ऐच्छिक स्थायी पूर्ण अशक्तता लाभ।
बीमाशुल्क छुट लाभ
प्रस्तावकको मृत्युमा प्रिमियम छुट योजना अन्तर्निहित छ।
मासिक आय लाभ
प्रस्तावकको मृत्युमा बीमाङ्कको १% रकम नीति परिपक्वतासम्म मासिक भुक्तानी हुन्छ।
घातक रोग लाभ
ऐच्छिक घातक रोग राइडर।
Accidental Death Benefit
Optional proposer accidental death rider.
Permanent Total Disability Benefit
Optional proposer PTD benefit.
Premium Waiver Benefit
Proposer-death premium waiver is built into the plan.
Monthly Income Benefit
On proposer death, 1% of SA is paid monthly until policy maturity.
Critical Illness Benefit
Optional critical illness rider.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
Premium
Quote on request