Dhanapati – Money Back Plan
by सानिमा रिलायन्स लाइफ इन्स्योरेन्स
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 money-back endowment plan providing periodic survival payouts to meet financial obligations at key life stages while maintaining full risk coverage of the sum assured during the policy term.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 10-14 | Rs 32 | Rs 41 |
| 15-19 | Rs 37 | — |
| 20-24 | Rs 42 | — |
Recent years
- FY 2081/82
- Rs 32–42/ 1,000
- FY 2080/81
- Rs 41/ 1,000
- FY 2079/80
- Rs 32–42/ 1,000
- FY 2078/79
- Rs 32–42/ 1,000
- FY 2077/78
- Rs 32–42/ 1,000
Source: सानिमा रिलायन्स 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
- समय–समयमा सर्वाइभल भुक्तानी
- मृत्युमा बीमाङ्क + बोनस
- विकल्पी राइडरहरूको उपलब्धता
Features
- मृत्यु लाभ: बीमाङ्क + घोषीत र भुक्त गरिएको बोनस
- सर्वाइभल लाभ: निश्चित प्रतिशतमा समय–समयमा बीमाङ्क फिर्ता
- नीति अवधि: 12, 15 र 20 वर्ष
- विकल्पी राइडरहरू: दुर्घटनागत मृत्यु (ADB), स्थायी पूर्ण अपाङ्गता (PTD), प्रिमियम वाइभर, क्रिटिकल इल्यनेस (CI)
- बीमाङ्क अनुसार प्रति हजार छुट (rebate) उपलब्ध
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 + declared and vested bonus
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 (ADB)
बीमाङ्क रकम वा रु. १,००,००,००० मध्ये जुन कम हुन्छ त्यति थप दुर्घटना मृत्यु लाभ।
स्थायी पूर्ण अशक्तता लाभ (PTD)
बीमाङ्क रकम वा रु. १,००,००,००० मध्ये जुन कम हुन्छ, १२० मासिक किस्तामा भुक्तानी।
बीमाशुल्क छुट सुविधा (PWB)
दुर्घटनाका कारण PTD भएपछि भविष्यका सबै बीमाशुल्क छुट हुन्छन्।
घातक रोग लाभ (CI)
तोकेको घातक रोग लागेमा बीमाङ्क रकम वा रु. ५०,००,००० मध्ये जुन कम हुन्छ त्यति थप रकम।
Accidental Death Benefit (ADB)
Additional amount equal to sum assured or NPR 10,000,000, whichever is lower.
Permanent Total Disability Benefit (PTD)
Sum assured or NPR 10,000,000, whichever is lower, payable in 120 monthly installments.
Premium Waiver Benefit (PWB)
All future premiums after PTD due to accident are waived.
Critical Illness Benefit (CI)
On onset of a covered critical illness, additional amount equal to sum assured or NPR 5,000,000, whichever is lower.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
Premium
Quote on request