Bhagyodaya Jeevan Beema
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. Bhagyodaya Jeevan Beema is a single-premium endowment assurance plan: pay once at inception to secure savings plus life coverage for the policy term. It provides guaranteed maturity benefit, death benefit with declared bonuses, and optional riders.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-14 | Rs 33 | — |
| 15-19 | Rs 36 | — |
| 20-24 | Rs 55 | Rs 52 |
| 25-29 | Rs 60 | — |
| 30+ | Rs 60 | — |
Recent years
- FY 2081/82
- Rs 33–60/ 1,000
- FY 2080/81
- Rs 30–55/ 1,000
- FY 2079/80
- Rs 30–50/ 1,000
- FY 2078/79
- Rs 40–70/ 1,000
- FY 2077/78
- Rs 30–75/ 1,000
Source: सन नेपाल 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
- परिपक्वतामा ग्यारेन्टी गरिएको भुक्तानी
- बीमा अवधिभर मृत्युमा पूरा बीमांक र बोनस
- राइडरद्वारा थप सुरक्षा सम्भव
- प्रवेश उमेर: 18–65, अधिकतम परिपक्वता उमेर: 70
Features
- एकपटक प्रिमियम भुक्तानी
- गारन्टीड परिपक्वता लाभ (सम्पूर्ण बीमांक + बोनस)
- मृत्यु अवस्थामा सम्पूर्ण बीमांक र घोषित बोनस
- वैकल्पिक राइडर
- सहज र लामो समयसम्म सुरक्षा
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 bonuses
If the policy runs to maturity
This plan states: Sum Assured + accrued bonuses
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 endowment plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना मृत्यु लाभ
ऐच्छिक दुर्घटना मृत्यु राइडर
स्थायी पूर्ण अशक्तता लाभ
ऐच्छिक स्थायी पूर्ण अशक्तता राइडर
घातक रोग लाभ
ऐच्छिक घातक रोग राइडर
Accidental Death Benefit
Optional accidental death rider
Permanent Total Disability Benefit
Optional permanent total disability rider
Critical Illness Benefit
Optional critical illness rider
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 2 years
What's not covered
- आत्महत्याबाट हुने मृत्यु
- युद्ध/आन्तरिक अस्थिरता/दुष्कर्मसँग सम्बन्धित हानि
- नीति अघि विद्यमान रोग सम्बन्धी सीमाहरू (नीतिमा निर्दिष्ट)
Premium
Quote on request