SuryaJyoti Naulo Baal Jeevan Beema
by सूर्यज्योति 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. If you are ever unable to keep paying, the plan carries on by itself and your child still receives the full amount when the term ends. A child endowment plan providing Sum Assured plus bonus at maturity. Offers child death benefits, proposer death monthly income (1% of Sum assured) with premium waiver, and optional riders (accidental death, critical illness, TPD waiver).
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 40 | Rs 40 |
| 10-14 | Rs 41 | Rs 41 |
| 15-19 | Rs 45 | Rs 45 |
| 20-24 | Rs 54 | Rs 54 |
| 25-29 | Rs 60 | Rs 60 |
| 30+ | Rs 70 | Rs 70 |
Recent years
- FY 2081/82
- Rs 40–70/ 1,000
- FY 2080/81
- Rs 40–70/ 1,000
- FY 2079/80
- Rs 43–75/ 1,000
- FY 2077/78
- Rs 40–70/ 1,000
Source: सूर्यज्योति 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
- बाल बीमा
- परिपक्वतामा सम बीमित रकम + बोनस
- प्रोप्रोजर मृत्युवापीमा प्रिमियम माफी र मासिक आय
Features
- मिनिमम सम बीमित रकम रु.50,000
- प्रवेश उमेर: 0–17 वर्ष
- म्याच्युरिटीमा सम बीमित रकम + बोनस
- बाल मृत्यु अवस्थामा 25% सम बीमित रकम + बोनस वा जम्मा तिरेको प्रिमियम (जे बढी)
- प्रोप्रोजरको मृत्युमा मासिक आय = सम बीमित रकमको 1% र भविष्यका प्रिमियम माफ
Terms and conditions
- An optional benefit of Surakshya Kawach Myadi Jeevan beema can be added to this plan
- On the survival of child till policy matures- Sum assured plus bonuses shall be distributed
- In death of the proposer- 1% of monthly income benefit shall be given till maturity date or death of child. Premium in future will be waived
- In case of simultaneous death of child and proposer- 25% of the sum assured plus bonus or total premium paid whichever will be higher will be paid. 100% of sum assured paid as proposer death benefit
- In case of child's death after proposers death 25% of sum assured or total premium paid whichever will be higher will be provided.
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
The nominee receives the sum assured plus the bonus built up to that date, and the policy ends. Most child plans are written on the parent's life, so see the next case for how the child is protected.
Typical for child plans — confirm the exact terms in the brochure.
If the parent or guardian passes away
Future premiums are waived and the policy continues on its own. The child still receives the full maturity amount at the set age. Many child plans also pay the child a regular income until then — the brochure states the rate.
Typical for child plans — confirm the exact terms in the brochure.
If the policy runs to maturity
The child receives the sum assured plus the bonus built up to that date, timed to the age set when the policy was taken out.
Typical for child 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 child plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना मृत्यु लाभ राइडर (ADB)
१८–५५ वर्षका प्रस्तावक (बच्चाको बुबा वा आमा) का लागि वैकल्पिक दुर्घटना मृत्यु कभरेज।
घातक रोग राइडर (१८ वा ३५ रोग)
प्रस्तावकका लागि वैकल्पिक घातक रोग कभरेज।
म्यादी जीवन बीमा योजना – सूर्यज्योति सुरक्ष्या कवच
प्रस्तावकका लागि वैकल्पिक म्यादी जीवन बीमा कभरेज।
पूर्ण तथा स्थायी अशक्तता (TPD)
प्रस्तावकका लागि वैकल्पिक पूर्ण तथा स्थायी अशक्तता कभरेज।
बीमाशुल्क छुट सुविधा (PWB)
पूर्ण तथा स्थायी अशक्तता भएमा भविष्यको बीमाशुल्क छुट हुन्छ।
Accidental Death Benefit Rider
Optional accidental death coverage for proposer (child's father or mOTHER), age 18–55.
Critical Illness Rider (18 or 35 Diseases)
Optional critical illness coverage for proposer.
Term Plan – SuryaJyoti Surakchya Kawach Myadi Jeevan Beema
Optional term-plan coverage for proposer.
Total and Permanent Disability (TPD)
Optional total and permanent disability coverage for proposer.
Premium Waiver Benefit (PWB)
Future premiums are waived in case of total and permanent disability.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
Premium
Quote on request