Bal Umang Chhori Beema Lekh
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. Rastriya Jeewan Beema's Bal Umang Chhori Beema Lekh — a child-focused life insurance plan.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 20-24 | Rs 60 | Rs 60 |
Recent years
- FY 2081/82
- Rs 60/ 1,000
- FY 2080/81
- Rs 60/ 1,000
- FY 2079/80
- Rs 65/ 1,000
- FY 2078/79
- Rs 65/ 1,000
- FY 2077/78
- Rs 65/ 1,000
Source: राष्ट्रिय जीवन बीमा कम्पनी 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 बीमा योजना
- न्यूनतम बीमा रकम 50000
- न्यूनतम प्रवेश उमेर (बाल) 1 वर्ष
Features
- बालवालिकाको भविष्य सुरक्षा र बचत लक्षित योजना
- मृत्यु बीमा लाभ उपलब्ध
- परिपक्वतामा लाभ प्रदान गर्ने सम्भावना (बोनस योजनाको आधारमा)
- समर्पण मूल्य तीन वर्षको प्रिमियम भुक्तानी र नीति सुरु भएको तीन वर्षपछि उपलब्ध हुन्छ
Terms and conditions
- 1) If premiums are paid regularly until the date mentioned in the policy, the sum assured and accrued bonus will be paid to the proposer upon policy maturity.
- 2)Risk will not be covered until the insured daughter reaches 7 years of age. If the insured dies before the risk commencement, the premiums paid will be refunded.
- 3)If the insured dies within the policy term after risk commencement, 25% of the sum assured or the total premiums paid, whichever is higher, will be paid, and the policy will automatically terminate.
- 4)Surrender value is available after three full years of premium payments and three years from the policy commencement. The surrender value amount will be determined by the insurer.
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
This plan states: Sum Assured (details not specified on page)
If the policy runs to maturity
This plan states: Sum Assured + Bonus (if participating)
Optional riders
No optional riders are attached to this plan.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
What's not covered
- Suicide clause (typically within first 1–2 years)
- War, terrorism, and nuclear perils
- Pre-existing conditions subject to waiting period
Premium
Quote on request