Sunishchit Pratiphal Plan
About this plan
A limited-premium endowment plan providing guaranteed maturity benefits at policy end along with death and optional rider covers for accidental death, disability and critical illness.
What's included
Key highlights
- न्यूनतम प्रवेश आयु 18 वर्ष
- नीति अवधि: 16 वा 20 वर्ष
- सीमित प्रिमियम: 5 वा 7 वर्ष
Features
- न्यूनतम वार्षिक प्रिमियम रु. 25,000
- प्रति-निर्धारित नीति अवधिमा सुनिश्चित परिपक्वता गुणक (16 वर्ष = 2x, 20 वर्ष = 2.5x)
- सीमित प्रिमियम भुक्तानी (5 वा 7 वर्ष)
- वैकल्पिक राइडर उपलब्ध
- मृत्युबीमाको गणना प्रिमियम र निर्धारित दरअनुसार
Eligibility & term
- Entry age
- 18 – 44 years
- Policy term
- 16 years & 20 years
- Premium modes
- Yearly, Half-yearly, Quarterly
Benefits payout
- Death benefit
- Calculated based on premium selected and applicable death benefit rate
- Accidental benefit
- Sum assured or 10,000,000 NPR whichever is lower
Declared bonus
Rs 19–70 / 1,000
FY 2080/81
Declared range for the fiscal year shown — the exact rate depends on the plan and term. Rates are revised annually and are not guaranteed for future years.
Optional riders
Accidental Death Benefit (ADB)
Additional amount equal to sum assured or 10,000,000 NPR whichever is lower
Permanent Total Disability (PTD)
Sum assured or 10,000,000 NPR payable in 120 monthly installments; premiums waived if due to accident
Premium Waiver Benefit (PWB)
Future premiums waived on PTD due to accident
Critical Illness (CI)
On diagnosis of specified critical illness, additional amount equal to sum assured or 5,000,000 NPR whichever is lower
Loan & liquidity
- Paid-up value
- Yes
- Partial withdrawal
- No
Other plans from सानिमा रिलायन्स लाइफ इन्स्योरेन्स
Premium / yr
Rs 25,000