Sunishchit Pratiphal 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. 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.
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 35 | Rs 41 |
| 10-14 | Rs 35 | Rs 41 |
| 15-19 | Rs 40 | — |
| 20-24 | Rs 45 | — |
| 25+ | Rs 70 | — |
Recent years
- FY 2081/82
- Rs 35–70/ 1,000
- FY 2080/81
- Rs 41/ 1,000
- FY 2079/80
- Rs 30–75/ 1,000
- FY 2078/79
- Rs 35–70/ 1,000
- FY 2077/78
- Rs 35–70/ 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
- 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
Terms and conditions
- 1Death Benefit: Death Benefit shall be calculated based on the premium amount selected by the policyholder and death benefit rate.)
- 2)Maturity Benefit: Total premium received from the policyholder multiplier by the maturity benefit multiplier per below:
- a) 16 years- 2 times (Example- Premium per year= 50,000)
- 5 years premium=2,50,000
- 16 years (Maturity benefit= 2,50,000*2)=500,000 is given at maturity
- b) 20 years- 2.5 times (Example Premium per year=50,000)
- 7 years premium=350,000
- 20 years maturity benefit= 3,50,000*2.5=8,75,000 given at maturity
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: Calculated based on premium selected and applicable death benefit rate
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 endowment plans — confirm the exact terms in the brochure.
If death is caused by an accident
This plan states: Sum assured or 10,000,000 NPR whichever is lower
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