Dhananjaya Yearly Moneyback Endowment
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. The Dhananjaya Yearly Moneyback Endowment provides annual moneyback payments and life cover. It pays 5% of the Sum Assured each policy anniversary, and on death during the policy term the nominee receives the full Sum Assured plus vested bonus.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
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Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-19 | Rs 25 | Rs 23 |
| 20+ | Rs 25 | Rs 25 |
Recent years
- FY 2081/82
- Rs 25/ 1,000
- FY 2080/81
- Rs 23–25/ 1,000
- FY 2079/80
- Rs 25–27/ 1,000
- FY 2078/79
- Rs 40–70/ 1,000
- FY 2077/78
- Rs 20–30/ 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
- वार्षिक ५% मनीब्याक
- न्यूनतम बीमांक रु.100,000
- बीमा अवधि 5–20 वर्ष
- मृत्युपछि पूर्ण सुरक्षाको लागि बीमांक + बोनस
Features
- प्रत्येक वार्षिकतामा बीमांकको ५% मनीब्याक
- मृत्युपछि पूर्ण बीमांक + भेष्टेड बोनस
- नीति अवधि चुन्न सकिने: 5–20 वर्ष
- न्यूनतम बीमांक रु. 100,000
Terms and conditions
- Survival Benefit
- 1)Maurity Benefit
- At each policy anniversary, 5% of Sum Assured is payable to the policy holders
- At maturity, remaining sum assured plus vested bonus
- 2)Death Benefit
- On death of Life Assured during the term of Policy, Full Sum Assured + Vested Bonus will be paid
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: Full Sum Assured + 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
This plan states: Remaining Sum Assured + Vested Bonus
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
सन मेडिकेयर
आपतकालीन चिकित्सा राइडर
दुर्घटना मृत्यु लाभ
ऐच्छिक दुर्घटना मृत्यु राइडर
स्थायी पूर्ण अशक्तता लाभ
ऐच्छिक PTD राइडर
घातक रोग लाभ
ऐच्छिक घातक रोग राइडर
अन्त्येष्टि खर्च लाभ
ऐच्छिक अन्त्येष्टि खर्च राइडर
Sun Medicare
Emergency medical rider
Accidental Death Benefit
Optional accidental death rider
Permanent Total Disability Benefit
Optional PTD rider
Critical Illness Benefit
Optional critical illness rider
Funeral Expense Benefit
Optional funeral expense rider
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 2 years
What's not covered
- Suicide within waiting period (per company terms)
- War and allied perils
- Undisclosed pre-existing conditions
Premium
Quote on request