Nari Suraksha 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. You also receive part of the cover amount at set points during the term, not only at the end. A participating (with-profit) anticipated endowment life plan designed exclusively for women, offering annual cash benefits, increasing death benefit every 5 years, maturity benefits with accrued bonuses, and optional maternity-focused riders.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 |
|---|---|
| 0-10 | Rs 60 |
| 11-15 | Rs 60 |
| 16-20 | Rs 60 |
| 21-25 | Rs 62 |
Recent years
- FY 2081/82
- Rs 60–62/ 1,000
- FY 2080/81
- Rs 56–85/ 1,000
- FY 2079/80
- Rs 41–64/ 1,000
- FY 2078/79
- Rs 50–85/ 1,000
- FY 2077/78
- Rs 56–82/ 1,000
* Company-wide declared range — the plan's own term bands were not published that year.
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
- वार्षिक नगद उपहार
- हरेक ५ वर्षमा मृत्यु लाभ २५% वृद्धि
- प्रेग्नेन्सी कम्प्लिकेसन राइडर: रु.100,000
Features
- महिलाहरूका लागि विशेष रूपमा डिजाइन गरिएको
- हरेक ५ वर्षमा मृत्यु लाभ २५% ले वृद्धि
- वार्षिक नगद लाभ (प्रति पालिसी वर्ष)
- गर्भसम्बन्धी लक्षित राइडरहरू (प्रेनाटल, गर्भावस्था जटिलता)
- लचिलो प्रिमियम भुक्तानी विकल्प
- ऋण तथा सरेन्डर सुविधा
- दीर्घकालीन आर्थिक सुरक्षा
Terms and conditions
- If the insured passes away before policy maturity, the nominee will receive:
- • The increased Sum Assured (as applicable)
- • Accrued bonus (calculated on the base Sum Assured)
- • The Sum Assured increases by 25% every 5 completed years from the policy issue date.
- Example (Age 25 | Sum Assured: NPR 500,000):
- • Death within first 5 years: NPR 500,000 + vested bonus
- • After 5 years but before 10 years: NPR 625,000 + vested bonus
- • After 10 years but before 15 years: NPR 750,000 + vested bonus
- • After 15 years but before 20 years: NPR 875,000 + vested bonus
- • After 20 years until maturity: NPR 1,000,000 + vested bonus
- Note: Bonus is calculated only on the base Sum Assured, not on the increased amount.
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 ADB राइडर।
स्थायी पूर्ण अशक्तता लाभ
ऐच्छिक PTD राइडर।
बीमाशुल्क छुट लाभ
ऐच्छिक PWB राइडर।
म्यादी राइडर
ऐच्छिक म्यादी राइडर।
गर्भावस्था जटिलता राइडर
तोकिएका गर्भावस्था जटिलतामा रु. १,००,००० एकमुष्ट लाभ।
गर्भपूर्व हेरचाह राइडर
गर्भावस्थासम्बन्धी हेरचाहका लागि एकपटक रु. १०,००० लाभ।
Accidental Death Benefit
Optional ADB rider.
Permanent Total Disability Benefit
Optional PTD rider.
Premium Waiver Benefit
Optional PWB rider.
Term Rider
Optional term rider.
Pregnancy Complication Rider
Lump-sum NPR 100,000 for specified pregnancy complications.
Prenatal Care Rider
One-time NPR 10,000 pregnancy-care benefit.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
- Loan facility
- Up to 90% of surrender value
Premium
Quote on request