Joint Life Plan 'Jeevan Sathi'
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. One policy covers both partners, instead of buying two separate ones. Rastriya Jeewan Beema's Joint Life Plan 'Jeevan Sathi' — a joint life endowment-style policy offering combined life coverage and maturity benefits for two lives.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-9 | Rs 60 | Rs 60 |
| 10-14 | Rs 60 | Rs 60 |
| 15-19 | Rs 60 | Rs 60 |
| 20-24 | Rs 60 | Rs 60 |
| 25-29 | Rs 60 | Rs 60 |
| 30+ | 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
- ज्वाइन्ट कवरेज — दुवै जीवनबीमित
- सावधिक (प्रतिभागी) योजना
- लचिलो प्रीमियम भुक्तानी मोडहरू
Features
- दुई व्यक्ति (संयुक्त) को लागि एकै योजना अन्तर्गत कवरेज
- मृत्युमा बीमित रकम (सम्पूर्ण कवरेज) प्रदान
- एन्डोवमेन्ट शैली—परम्परागत प्रतिभागी/बोनस सम्भावना
- लचिलो प्रीमियम भुक्तानी मोडहरू
- तीन वर्षको प्रिमियम भुक्तानीपछि समर्पण मूल्यको ९० प्रतिशतसम्म ऋण सुविधा उपलब्ध हुन्छ।
Terms and conditions
- 1)Upon policy maturity, both husband and wife will jointly receive the sum assured and bonus as a lump sum.
- 2)If one insured dies before the policy term ends, the surviving insured will receive the sum assured as a death claim. The policy will remain active, but no further premiums will be required.
- 3)Bonus payments will continue as if the policy is active even after the death of one insured.
- 4)Upon maturity, the full sum vested bonus will be paid as a lump sum to the surviving insured.
- 5)If the second insured also dies before the policy term ends, the nominee or the nearest legal heir will receive the sum assured and accrued bonus as a lump sum.
- 6)The premium will be calculated by adding a specified component to the age of the younger proposer.
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 either partner passes away during the term
The nominee receives the sum assured plus the bonus built up to that date on the first death. Whether cover continues for the surviving partner depends on the plan's terms.
Typical for couple plans — confirm the exact terms in the brochure.
If the policy runs to maturity
You receive the sum assured plus the bonus built up to that date as a lump sum on the maturity date.
Typical for couple 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 couple plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना मृत्यु लाभ (ADB)
Further accidental death benefit can be obtained by paying an additional premium of Rs. 1 per thousand.
Accidental Death Benefit (ADB)
Additional accidental death benefit can be obtained by paying an additional premium of Re. 1 per thousand.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
- Loan facility
- Up to 90% of surrender value
Premium
Quote on request